1. Agreement and eligibility
By using rtngi.com, you agree to these Terms and our Privacy Policy. You must be at least 18 and provide accurate information. If you do not agree, do not use the site.
2. What Ratingly provides
Ratingly offers a public website, account tools, communication controls, comparison-start forms, and consumer utilities. Ratingly is not an insurance carrier, licensed agent, broker, or underwriter. We do not issue policies, bind coverage, set premiums, decide claims, or guarantee rates, savings, eligibility, approval, or outcomes.
3. Third-party services
If Ratingly links to an identified third-party service and you choose to engage with it, that organization operates under its own terms and privacy practices. You are responsible for reviewing policy language, disclosures, licenses, pricing, and third-party terms before making a decision.
4. Accounts
You are responsible for protecting your credentials and for activity conducted through your account. Notify us promptly if you suspect unauthorized access. We may limit or suspend access to protect the service, investigate misuse, or enforce these Terms.
5. Electronic and telephone contact
When you submit a request, you authorize Ratingly to use the contact details you provide to respond and operate the requested service. Any consent for automated or marketing calls or texts will be presented separately and is not a condition of using Ratingly.
6. SMS terms
Ratingly offers one optional marketing SMS program. Messages may include promotional offers or special announcements. Message frequency may vary, up to 4 messages per month. Leave the marketing checkbox unchecked if you do not want to join.
Standard message and data rates may apply. Consent is not required to obtain a quote or use our services. Carriers are not liable for delayed or undelivered messages. Reply STOP to opt out or HELP for assistance. Mobile number and consent data are not sold, rented, or shared with third parties for their own marketing. Support: help@rtngi.com or (855) 485-1999.
Example messages
Marketing welcome: “Ratingly Marketing: You’re enrolled for promotional messages. Up to 4 msgs/month. Msg & data rates may apply. Reply STOP to cancel, HELP for help.”
Marketing example: “Ratingly: New comparison opportunities may be available. Visit rtngi.com to review. Reply STOP to cancel, HELP for help.”
HELP response: “Ratingly: For help, visit rtngi.com/contact, email help@rtngi.com, or call (855) 485-1999. Reply STOP to cancel.”
STOP confirmation: “Ratingly: You have been unsubscribed from Ratingly texts. No more messages will be sent. Reply HELP for help.”
7. Acceptable use
Do not interfere with the site, probe security, submit false information, impersonate another person, upload harmful code, scrape personal data, or use Ratingly for unlawful activity.
8. Intellectual property
Ratingly’s original design, software, text, graphics, and brand elements are protected by applicable law. These Terms grant a limited personal right to use the site, not ownership of its content or technology.
9. Disclaimers
The site is provided on an “as available” basis. Information may be incomplete or unavailable, and third-party offers may change. Nothing on the site is insurance, legal, tax, or financial advice. Consult qualified professionals for decisions specific to you.
10. Limitation and changes
To the extent permitted by law, Ratingly is not liable for indirect, incidental, special, or consequential loss arising from use of the site or a third-party service. We may update these Terms by posting a revised version and effective date.
11. Contact
Questions may be sent to help@rtngi.com, (855) 485-1999, or 5758 Park Vista Circle, Suite #216, Fort Worth, TX 76244.