Terms of use
Who we are — and who we are not
RatePine is an independent comparison publisher operated by FTDConnect ApS, Strandvejen 130, DK-2900 Hellerup, Denmark. We are not a lender, broker or agent. We do not take loan applications, make credit decisions, negotiate on your behalf, or handle your money. Any loan agreement is between you and the lender alone.
Information, not advice
The rates, amounts and terms shown on this site are representative figures published by lenders or regulators, verified as of the date shown next to them. They are general information — not financial advice, and not an offer or guarantee of credit. The rate you're actually offered is determined by the lender based on your individual profile and may differ from any figure shown here. Verify all terms directly with the lender before signing anything.
How we make money
Some links on this site are or may become affiliate links: if you click through to a lender, we may be compensated. Compensation does not influence our rankings or reviews — see our methodology and advertiser disclosure.
Third-party sites
When you follow a link to a lender or any other third party, their terms and privacy policy apply. We are not responsible for third-party content, products or decisions, including a lender's decision to approve or decline an application.
Acceptable use and content
The content on this site belongs to FTDConnect ApS and may not be scraped for commercial republication or misrepresented as lender or government information. You may quote it with attribution and a link.
No warranties; limitation of liability
The site is provided "as is". While we verify figures against primary sources and date-stamp them, rates and rules change, and we cannot guarantee the site is error-free at every moment. To the fullest extent permitted by law, FTDConnect ApS is not liable for decisions made in reliance on the site's content or for indirect or consequential losses. Nothing in these terms limits rights you have under mandatory consumer protection law in your province.
Governing law
These terms are governed by the laws of Denmark. Nothing in this clause deprives you of mandatory protections of the law of the Canadian province where you live.
Contact
Questions about these terms: hello@ratepine.com · FTDConnect ApS, Strandvejen 130, DK-2900 Hellerup, Denmark.