Please read these Terms of Use ("Agreement", "Terms of Use ") carefully before accessing www.reallygood.org ("the Site"), operated by Upside Holdings, L.L.C. ("us", "we", or "our"). This Agreement sets forth the legally binding terms and conditions for your use of this Site.

By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site, you agree to be bound by these Terms of Service.

Services

This Site provides comparison Services for home goods and Services including but not limited to financial and insurance products. Further, a consumer may subscribe on this Site to receive email communications for additional product information and offers.

Intellectual Property

The Site and its original content, features and functionality are owned by Upside Holdings, L.L.C. and are protected by all applicable U.S. and non-U.S. copyrights, patents, trademarks, and trade secrets, and other intellectual property rights thereto (collectively “Site/Services Content”).

Prohibited Use

You may use the Site only for lawful purposes and in accordance with these Terms and Conditions. You agree not to use this Site in any way that violates any applicable federal, state, local, or international law or regulation. It is prohibited to transmit any unlawful material or material that is harmful, harassing, abusive, libelous, racially or ethnically offensive, invasive of another's privacy, vulgar, threatening, obscene, sexually explicit, tortious, defamatory, or that infringes or may infringe on the intellectual property or rights of another. It is prohibited to directly or indirectly interfere, or attempt to interfere with the proper working of this Site/Service or system integrities or securities; interference of any account, or any communication or transaction being conducted on this Site/Service. It is prohibited to use any robot, spider, other automatic device, or manual process to monitor or access or copy our web pages or any content without our prior expressed written permission; take any action which imposes an unreasonable or disproportionately large load on our infrastructure; post, upload, transmit, submit, email or make available by any other means any data or content protected under any law or contractual relationship that you do not have the right to distribute. It is prohibited to use any manual process to monitor or copy any of the material on this Site or for any other unauthorized purpose without our prior written consent. It is prohibited to fraudulently impersonate yourself as someone else or hide or attempt to hide your identity. It is prohibited to attempt to interfere with the proper working of this Site.

Links To Other Sites

Our Site may contain links to third-party Sites that are not owned or controlled by Upside Holdings and will not assume responsibility for, the content, privacy policies, or practices of any third party Sites or Services. All users are encouraged to read the terms and conditions and privacy policy of any third-party Site that you visit.

Limitation Of Liability

In no event shall Upside Holdings, nor its subsidiaries, licensors, directors, shareholders, employees, partners, agents, suppliers, or affiliates, be liable for damages, direct or consequential, resulting from your use of the Site, and you agree to defend, indemnify and hold us harmless from any claims, losses, liability costs and expenses, including but not limited to attorney's fees, arising from your violation of any third-party’s rights or any errors, omissions, or other inaccuracies in, or destructive properties of this Site or the Site content.

Indemnification

You agree to indemnify and hold Upside Holdings, its subsidiaries, affiliates, agents, shareholders, officers contractors, vendors, employees, and Service providers harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of this Site/Service, the violation of this Agreement by you, or the infringement by you, or other user of this Site/Service using your computer, of any intellectual property or other right of any person or entity. Upside Holdings and its Service providers assume no responsibility whatsoever for such content or actions. Upside Holdings reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

Warranty Disclaimer

The content and all Services associated with this Site are provided to you on an “as-is” and “as available” basis. The Site is provided without warranties of any kind, whether express or implied, as to the operation of our Services or the information, content, materials, Services included on or associated with our Services including but not limited to any financial product or lender you may choose. You expressly agree that your use of our Services is at your sole risk.

Upside Holdings, its subsidiaries, affiliates, and its licensors do not warrant that a) the Site will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Site is free of viruses or other harmful components; or d) the results of using the Site will meet your requirements.

You acknowledge and agree that we are not a lender, broker, investor, financial institution, or other Service provider. You acknowledge and agree that we are solely an intermediary between you and such persons or institution and, therefore, we expressly disclaim any and all liability to any content, Services or financial products provided by such parties.

RELEASE

YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE UPSIDE HOLDINGS AND ITS SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THIS SITE AND SERVICE.

ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

BY ACCESSING AND/OR USING ANY UPSIDE HOLDINGS SITE/SERVICES OR SERVICES, YOU AGREE TO THESE TERMS AND CONDITIONS OF THIS ARBITRATION AGREEMENT. DO NOT USE UPSIDE HOLDINGS SERVICES OR SUBMIT ANY CONTACT INFORMATION IF YOU DO NOT AGREE TO THESE TERMS.

THIS AGREEMENT IS BINDING TO ARBITRATE ALL CLAIMS.  YOU AGREE THAT DISPUTES BETWEEN YOU AND UPSIDE HOLDINGS WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND UPSIDE HOLDINGS WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. IF A DISPUTE IS ARBITRATED, YOU GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST UPSIDE HOLDINGS INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS.

Review this section carefully. This arbitration provision limits your and Upside Holdings’ ability to litigate claims in court and you and Upside holdings each agree to waive your respective rights to a jury trial or a state or federal judge. You agree that you will not file any lawsuit against us in any state or federal court.

We strive to never have a dispute, but if we do, you and we agree to try for 60 days to resolve it informally. If no resolution results from this informal process, you and we agree to binding individual arbitration before the American Arbitration Association (“AAA”) under the Federal Arbitration Act (“FAA”), and not to sue in court in front of a judge or jury. As an alternative, a neutral arbitrator will decide and the arbitrator’s decision will be final except for a limited right of appeal under the FAA. Class action lawsuits, class wide arbitrations, private attorney-general actions, and any other proceeding where someone acts in a representative capacity aren’t allowed. Nor is combining individual proceedings without the consent of all parties.

You agree that the Arbitrator will have sole and exclusive jurisdiction over any dispute you have with us. The Federal Arbitration Act allows for the enforcement of arbitration agreements and governs the interpretation and enforcement of the agreement to arbitrate.

If any provision of this Arbitration Agreement is found to be invalid or unenforceable, then that specific provision shall be of no force and effect and shall be severed, but the remainder of this Arbitration Agreement shall continue in full force and effect.  No waiver of any provision of this Arbitration Agreement will be effective or enforceable unless recorded in a writing signed by the party waiving such a right or requirement.  Such a waiver shall not waive or affect any other portion of this Agreement.  This Arbitration Agreement will survive the termination of your relationship with Upside holdings.

Termination

If you breach or violate any part of this Agreement or provisions in the Privacy Policy you may no longer use this Site/Service. Upside Holdings may, in its sole discretion, change, suspend, or terminate, temporarily or permanently, this Site/Service or any part of it at any time, for any reason, without notice to you and without liability to you or any other person. You agree that all terminations for cause shall be made in Upside Holdings’ sole discretion and shall not be liable to you or any third party for any termination.

Entire Agreement

This Agreement constitutes the entire terms of use agreement between you and Upside Holdings and governs your use of this Site/Service which supersedes any prior agreements between you and Upside Holdings. You also may be subject to additional terms and conditions that may apply when you use other Services, affiliate Services, third party content or third party software.

Changes To This Agreement

We reserve the right to change any content, feature or functions of our Site/Services without prior notice. We may deny you access to the Site/Services for any reason without prior notice if you engage in any conduct or activities that we determine, in our sole discretion, violate these Terms, our legal rights or the legal rights of any third party or are otherwise inappropriate. We are not responsible for any errors or delays in providing the Site/Services whether caused by errors in the registration information you provided by any technical problems in our system.

We reserve the right to make changes to this Agreement and the posted Privacy Policy. Any changes made will be effective from the date of such posting without further notice to you. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Use

PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE SITES OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE EXIT THIS PAGE AND DO NOT ACCESS OR USE THE SITES OR SERVICES.

This Privacy Policy discloses the privacy practices of Reallygood.org., its affiliates and subsidiaries, (collectively “we”, “us”, “our”, or “Company”) and governs the collection, sharing and security of information through our website, or other Company products and services (collectively, the “Services”) by users of the Services (“you” or “your”).

The information we collect.

We collect information from you when you subscribe for services on our site.

When subscribing on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address or phone number. You may, however, visit our site anonymously.

We may use cookies, Cookies allows us to identify files on your computer and record your preferences and other data about your visit to our website. If cookies settings are disabled or changed you may experience site or services features that do not function properly.

Tracking data collected by us is used to enhance your experience by delivering personalized advertising, or allow third parties to deliver targeted advertising on our website and the websites of third parties. If you wish to disable cookies, you may do so through your browser on your computer or other devices.

Tracking Data: California residents have the right to know if we respond to do not track signals or cookies. We do not respond to such signals or cookies.

Cross-Device Advertising and Tracking:  We may collect and use and share the above data with a third party for cross-device advertising. This allows consumers to experience a personalized, informative advertisement that targets specific product interests over multiple devices.   This information may be used for analytics, and reporting purposes such as overall campaign success and advertisement effectiveness.

We may apply push notifications and alerts to send you notifications of services and/or products that you have expressed interest in on multiple devices. If you wish to discontinue these communications, you may turn them off at the device level.

California Privacy Rights-We permit residents of the State of California to use our service, and comply with the California Business and Professions Code §§ 22575-22579. If you are a California resident please note we do not respond to do not track signals or cookies. We will not distribute your personal information to outside parties without your consent. You may request certain information regarding our disclosure of personal information to any third parties for their direct marketing purposes. Please mail your request to the address under our contact information.

How we use your information.

Any of the information we collect from you may be used to personalize your experience, to improve our website, to manage and protect our information technology infrastructure and security, to improve customer service, or to send you email communications.

What information we share.

We share your information with third parties who will provide you with their products, services or opportunities. We receive compensation for referrals made through this site from third parties.

We may also share your information with companies and individuals we employ to perform technical functions on our behalf.

We may also share your information as permitted by law: We will disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to stay legally complaint or prevent a crime.

We will also share your information if we sell our company or merge with another company.

We will share your information with third parties who help us in the delivery of the products and services you have requested.

Third party information

We will share your personal information with third parties only in the ways that are described in this privacy policy.  Your information may be shared third parties who help us in the delivery of the products and services you have requested. You understand and agree that your consent is not a condition, directly or indirectly of any purchase.

We may include or offer third party products or services on this site. These third party websites have separate and independent privacy policies. This Privacy Policy only addresses the privacy practices by us. We are not responsible or liable for the policies or practices of third parties or for the content and activities of any linked sites. If you visit any such website, we encourage you to review that website or service’s privacy policy.

How we protect your information.

We take commercially reasonable technological precautions to protect your data, We implement a variety of security measures to maintain the safety of the information you enter and submit on this site.

Depending on site requirements, we may employ Secure Sockets Layer (SSL) encryption technology to transmit data between a consumer’s browser and our web server. To use our websites, a consumer will need an SSL-capable browser such as MS Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 or higher.

Please do not communicate any information to us through unsecured channels. We require that third parties handle your information similar to our practices. We do not monitor such practices and therefore we are not responsible for third party security or handling of your information.

Children’s Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Revising or Removing Your Information

To request a copy of your information that we have collected or to correct factual inaccuracies within this information please email us HERE to.

Unsubscribe, Opt Out or Revoke

If you would like to opt-out of receiving email communications from us, you may follow the instructions in our emails to unsubscribe from our list or by emailing us HERE to.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date below. Your continued use of this site and it’s services after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Privacy Policy.

This policy was last revised on:

The rating system used features a score of one-to-five stars based on the following measures. Each category can be rated at one and a quarter full stars based on each Company's offerings, for a total of a five star rating. This site does receive compensation for referrals made through the links provided herein.

• Loan Products Offered: This is based on the different types of programs a Company is able to provide consumers. A Company who is able to offer conventional, FHA, VA loans and/or fixed program terms, variable terms, no-cost or low-cost loans, little or no down payment loans will likely score higher than a company who may not offer a variety of loan product types.
• Loan Process Experience: Companies who offer online services such as: online applications, rate quotes or pre-approvals provide a very convenient experience in which consumers can complete this entire process without any appointments and a reduction in paperwork. Further, companies who offer additional resources to consumers such as, informative articles regarding the product, FAQ's, checklists of required documents, details of the entire loan process and costs involved with the process are items that consumers find helpful.
• Qualification Requirements: Companies that allow for few qualifying criteria or non-conventional qualifying criteria are able to offer products to consumers that they wouldn't otherwise qualify for. Some of these alternative qualifications could include, but are not limited to: Non-traditional credit history, flexibility with a minimum credit score and flexibility with debt and income qualifying factors.
• Company Reputation: Reviews from various websites are also used to score the Company. These resources provide information regarding a Company such as licensure details, any regulatory actions taken and past client reviews. Resources we use to review this information are: Better Business Bureau, Nationwide Mortgage Licensing System, TrustPilot and/or TrustSpot.