30Y FIXED 6.49% ▲0.0615Y FIXED 5.82% ▲0.03FHA 6.25%* ▲0.06VA 6.27%* ▲0.06JUMBO 6.45%* ▲0.06ARM 6.15%* ▲0.0610Y TSY 4.55% ▼0.03
RATES AS OF Jul 9, 2026
Daily Rate News
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Terms of Service — Daily Rate News

Effective date: July 16, 2026

1. Agreement

These Terms govern your use of Daily Rate News (the "Service"), operated by MPD Enterprise LLC. By creating an account you agree to them. If you do not agree, do not use the Service.

2. What the Service is

Daily Rate News provides Loan Officers with a white-label daily mortgage-market newsletter, a branded public page, a public archive of sent issues, and market and economic-calendar information.

The Service is a publishing tool. It is not a customer relationship manager, a loan origination system, or a system of record for any loan file, and it must not be used as one.

3. Eligibility and accounts

You must be at least 18 and able to form a binding contract. You are responsible for your account credentials and for everything done under your account. You must verify your email address before you can sign in. Tell us promptly at info@minhthelender.com if you suspect unauthorised use.

4. Plans, trials, and billing

  • Plans. Essential (up to 50 subscribers) and Performance (from 100 subscribers, in steps of 50, up to 1,000). Above 1,000, contact us. Monthly or annual; annual is discounted.
  • Free trial. New accounts get a 14-day free trial, once. A payment card is required to start the trial.
  • Automatic charge. When the trial ends, your card is charged automatically for the plan you chose, and then on each renewal, until you cancel. We do not send a separate reminder before the trial converts.
  • During the trial your subscriber capacity is limited to 50 regardless of the plan you selected. Your full capacity applies once your first payment succeeds.
  • Price changes apply from your next renewal, and we will give you notice.
  • Taxes are your responsibility unless we state otherwise.
  • Failed payments. If a payment fails we may retry. If it keeps failing, your access to the dashboard is suspended.

5. Cancellation, refunds, and what happens to your subscribers

  • Cancel any time from the billing page. Cancellation takes effect at the end of your current paid period; you keep access until then.
  • Fees are non-refundable except where required by law or at our discretion.
  • If your subscription lapses, your dashboard locks — you cannot create, edit, or send newsletters.
  • Your subscribers are never punished for your lapse. Your published page, your archive, the subscribe form, and every unsubscribe link keep working even when your account is locked or cancelled. Unsubscribe links must never break.

6. Your subscriber list — your responsibility

This section is the most important one in these Terms.

You alone decide who is on your list and what you send them. You represent and warrant that:

  • You have the necessary consent or lawful basis from every person you add or import, and can evidence it.
  • You will comply with all applicable law, including CAN-SPAM, state equivalents, and any mortgage advertising rules that apply to you as a licensed professional.
  • You will not send unsolicited commercial email, purchased or scraped lists, or anything deceptive.
  • Content you add is yours to send, and does not infringe anyone's rights.

We process your subscriber data on your behalf as your service provider, only to run the Service. We do not sell it, and we do not use it for our own marketing.

Suppression is permanent and cannot be overridden. When someone unsubscribes, their address is permanently suppressed for your account. You cannot re-add, re-import, or re-subscribe them — not through the product, and not by asking us. This is deliberate, it protects both of you, and it is not a bug.

You indemnify us for claims arising from your list, your content, or your sending — see §11.

7. Market data — important disclaimer

Rates and economic data are provided for general information only. They are not an offer, a quote, a rate lock, a commitment to lend, or financial, legal, or tax advice.

  • Data comes from third-party providers. We do not guarantee it is accurate, complete, current, or uninterrupted.
  • Some rates shown are ESTIMATES, not observed market rates. Jumbo, ARM, FHA and VA figures are derived by applying a spread to an underlying published rate. Wherever we show a derived rate, we label it and disclose the derivation. They are illustrative and will not match any actual rate offered to any actual borrower.
  • Rates move constantly. Anything shown may be stale by the time it is read.
  • Nobody should make a financial decision based on this content. Consumers must speak to a licensed professional about their own circumstances.

If you are a Loan Officer distributing this content, you are responsible for whether it is appropriate and compliant for your audience and your licence.

8. Calculators

The calculators are rough estimating tools that run entirely in the reader's browser. They send us nothing and store nothing. They do not perform qualification, pre-approval, affordability determination, or credit assessment, and produce no offer of any kind. Output is illustrative only and will differ from real loan terms.

9. Acceptable use

Do not: break the law; send spam; impersonate anyone; upload malware; interfere with the Service; probe or breach security; scrape or overload the Service; resell it without our written agreement; or use it as a CRM or loan-file system.

10. Content and ownership

You keep ownership of your content, your brand assets, and your subscriber list. You grant us the licence needed to host, format, and deliver them. We keep ownership of the Service, its software, and its design. Feedback you send us may be used without obligation.

11. Warranty, liability, and indemnity

THE SERVICE IS PROVIDED "AS IS", WITHOUT WARRANTIES OF ANY KIND, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant uninterrupted or error-free operation, or that any email will be delivered.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, BUSINESS, GOODWILL, OR DATA. Our total liability for any claim is limited to the amounts you paid us in the 12 months before the claim.

You indemnify and hold us harmless from claims arising out of: your subscriber list or how you obtained it; your content; your sending; your use of market data or calculator output with consumers; your breach of these Terms; or your violation of law or of anyone's rights.

12. Suspension and termination

You may stop using the Service and cancel at any time. We may suspend or terminate an account that breaches these Terms, creates legal risk, or is used to send spam. Sections 6, 7, 8, 10, 11, and 13 survive termination.

Suppression records survive account deletion — they must, so that people who opted out stay opted out.

13. Governing law

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules.

14. Changes

We may update these Terms and will post the new version with a new effective date. Material changes will be emailed to Loan Officers. Continuing to use the Service after a change means you accept it.

15. Contact

MPD Enterprise LLC · info@minhthelender.com · 657-204-6577 · 10441 Stanford Ave #921, Garden Grove, CA 92842