Terms & Conditions
By using this website, you acknowledge that you have read and understand these terms and conditions of use ("Terms of Use") and agree to be bound by them, to the extent permitted by applicable law. The Tawy Team retains the right to change or modify these Terms of Use at its discretion. Please review these Terms of Use to ensure your acceptance. If you do not agree to these Terms of Use, please do not use this Site.
Privacy
Please review our Privacy Policy, which also governs your use of this website.
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Electronic communications
When you visit this website or send emails to us, you are communicating with Rate, Inc. employees electronically and you consent to receive communications from Rate, Inc. electronically. We will communicate with you by email or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Please note that while you may unsubscribe from email marketing communications at any time, if you provide us with your email address after unsubscribing, you agree to opt-in to future email marketing communications. You will be required to unsubscribe again to cease email marketing communications.
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License
The Tawy Team grants you a limited license to access and make personal use of this site and not to download (other than page caching) or to modify any portion of it, except with express written consent. This license does not include any resale or commercial use of this site or its contents: any collection and use of any product listings, property listings, descriptions, or loan amounts; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without express written consent of The Tawy Team and, where applicable, Rate, Inc. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form) of The Tawy Team, Rate, Inc., or our subsidiaries without express written consent. Any unauthorized use shall automatically terminate any permission or license granted herein by The Tawy Team. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of The Tawy Team so long as the link does not portray The Tawy Team, Rate, Inc., its subsidiaries or affiliates or their products or services in a false, misleading, derogatory or otherwise offensive matter. You may not use any logo or other proprietary graphic or trademark as part of the link without express written permission.
Disclaimer
This website, www.thetawyteam.com, may describe products and services that have been offered through the lender, Rate, Inc. All descriptions attempt to be as accurate as possible. However, the information contained in this website is for general information purposes only and The Tawy Team does not warrant that product/service descriptions or other content of this site is accurate, complete, reliable, current, or error-free. You acknowledge and agree that The Tawy Team and Rate, Inc. are not, and shall not be, responsible for the results of any defects that may exist in this website or its operation. As to the operation of this website, The Tawy Team and Rate, Inc. expressly disclaim all warranties of any kind, whether express or implied, including, not limited to the implied warrant of merchantability and fitness for a particular purpose.
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Loan applications should be submitted directly through the lender portal's Apply Now feature. The Tawy Team expressly affirms that sensitive financial information be disclosed only through Rate, Inc. communication channels. No loan applications are permitted through this site, and communications here offer no commitment to lend. For more information, please visit Rate, Inc.'s Terms of Use.
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Your account
If you use this site to create an account, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer and you agree to accept responsibility for all activities that occur under your account or password. This website is intended for the use of individuals 18 years or older. Users under 18 may use the website only under the supervision of a parent or legal guardian. The Tawy Team and its affiliates reserve the right to refuse service, terminate accounts, remove or edit content or cancel orders in their sole discretion. Should you require assistance in logging into the website, or for other technical assistance, please contact us at loans@thetawyteam.com.
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Intellectual property
All proprietary content and materials on this website, including, without limitation, this website's text, logos, images, audio clips, video clips, data compilations, layout, organization, and design, are protected by copyrights, trademarks, service marks, patents, trade secrets, and other proprietary rights and laws. You agree to comply with all applicable laws by not copying or using proprietary content, except as allowed by these Terms of Use or by written consent of the owner of the proprietary rights.
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Third party links
Clicking on certain links within this website or certain other websites that are linked to this website may take you to other websites, or may display information on your computer screen from other web sites, which are not maintained by The Tawy Team. Such web sites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to this web site. Links to other Internet services and web sites are provided solely for the convenience of users. A link to any service or web site is not an endorsement of any kind of the service or web site, its content, or its sponsoring organization.
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The Tawy Team assumes no responsibility or liability whatsoever for the content, accuracy, reliability, or opinions expressed in a web site to which this site is linked, and such linked sites are not monitored, investigated, or checked for accuracy or completeness by The Tawy Team. It is the sole responsibility of the user to evaluate the accuracy, reliability, timeliness and completeness of any information available on any linked site. All information, products, services, and content obtained from a linked site are provided "as is" without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy.
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Indemnification
In no event will The Tawy Team be liable for any direct, indirect, incidental, special, punitive or consequential losses, damages or expenses of any kind whether the claimed damages or losses are based in tort, contract or any other theory of law, arising in any way or in connection with this website or use thereof, including, but not limited to failure of performance, omission, error, defect, interruption, failure to process, delay, computer virus, system failure, even if The Tawy Team is made aware of the alleged damages or losses including all third party claims. You agree to indemnify and hold harmless The Tawy Team for any and all damages and losses as described above relating to your use of the website.
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Applicable law
By visiting thetawyteam.com, you agree that the laws of the State of Illinois, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and The Tawy Team and/or its subsidiaries and affiliates. You further agree that any action at law or in equity arising out of or relating to these Terms of Use or this website shall be filed only in the state or federal courts located in Cook County, Illinois, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.
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Disputes
Any controversy or claim arising out of or relating to your use of the website, and/or any alleged damages or losses thereof, shall be settled by arbitration administered by the American Arbitration Association ("AAA") and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
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Any dispute between the parties must be submitted to binding arbitration administered by the AAA to take place in Chicago, Illinois, before one arbitrator in accordance with the AAA Rules. In the event you institute such arbitration, then, without limiting the applicability of the AAA rules, the arbitrator will be obligated to award the prevailing party of any such proceedings all reasonable costs, attorneys' fees and other expenses incurred by such prevailing party in the arbitration proceedings. Any award entered by the arbitrator may be enforced in any court of competent jurisdiction. All arbitrations will take place in Chicago, Illinois. You hereby waive any right to consolidate, join or combine any arbitration brought with any other matter pending in court or other arbitration proceeding.
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You agree that any effort to resolve any dispute will be conducted on an individual basis, and that you waive any right to have any dispute heard in a class action or any other proceeding in which any party seeks to or does act in a representative capacity.
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Regardless of any statute or law to the contrary, any claim or cause of action against The Tawy Team arising out of or related to use of your use of the website or under these Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or will be barred.
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Entire agreement
This Agreement constitutes the entire agreement between you and The Tawy Team governing your use of the website and supersedes any prior and contemporaneous agreements between you and The Tawy Team with respect to the subject matter above.
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Nothing contained in these Terms of Use shall be construed as creating any agency, partnership, or other form of joint enterprise between a user and The Tawy Team or Rate, Inc. Our failure to require your performance of any provision hereof shall not affect our full right to require such performance at any time thereafter, nor shall our waiver of a breach of any provision hereof be taken or held to be a waiver of the provision itself. In the event that any provision of these Terms of Use shall be unenforceable or invalid under any applicable law or be so held by any applicable arbitral award or court decision, such unenforceability or invalidity shall not render these Terms of Use unenforceable or invalid as a whole but these Terms of Use shall be modified, to the extent possible, by the adjudicating entity to most fully reflect the original intent of the parties as reflected in the original provision and with the remaining terms remaining enforceable and binding upon all users.​
Updates or amendments to the Terms of Use
We reserve the right to periodically amend or revise the Terms of Use; material changes will be effective immediately upon the display of the revised policy. The last revision will be reflected in the "Last modified" section. Your continued use of the Platform, following the notification of such amendments on our website, constitutes your acknowledgment and consent of such amendments to the Terms of Use and your agreement to be bound by the terms of such amendments.
How to contact us
If you have any general questions about the Site or the information we collect about you and how we use it, you can contact us by email to loans@thetawyteam.com or by mail at:
Mohamed Tawy
12625 High Bluff Drive, Suite 210
San Diego, CA 92130
United States