Privacy Policy

 

PLEASE READ THIS PRIVACY POLICY. BY ACCESSING AND/OR USING THIS SITE OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, RECOGNIZE, AND AGREE TO BE OBLIGATED 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 Rate Quote Comparison, LLC, its affiliates and subsidiaries, (collectively “we”, “us”, “our”, or “ the Company”)

This policy governs the collection, sharing and security of information through this website, or other Company products and services (collectively, the “Services”) by users of the Services (“you” or “your”).

Personal Information We Collect:

We may collect Personally Identifiable Information (“PII”).

This information may include, but is not limited to:

• First and last name,
• Physical address,
• Email address,
• Phone number; and
• Additional information pertaining to the product you have expressed interest in

We may also collect Non-Personally Identifiable Information (“Non- PII).

Non-PII collected is information that identifies your computer and its navigational patterns through the Services (but not a specific user).

We may automatically collect Non-PII information when you visit the Services, through the use of a variety of tools including cookies (small text files that are stored on a user’s computer for record-keeping purposes and which contain information about that user’s computer), or other available data analysis or collection technologies.

You are not required to participate in the Services or provide information that we ask you to provide.

We also may log Internet protocol server addresses for system administration purposes and for cataloging traffic patterns through the Website. This information may or may not be linked to a consumer’s personal information.

How We Use and Share This Information:

We use all collected information to provide you with the services and/or products you have requested.

In order to deliver Services your PII will be shared with a third party that provides such services or products.

We share your PII and Non-PII information with companies and individuals we employ to perform technical functions on our behalf. For example, third parties who might host our website, analyze our data, provide marketing assistance and customer service functions.

We share your PII and Non-PII information with third parties who will provide you with their offers, products or services. This includes your interests and preferences, to determine whether you might be interested in their products or services.

We may share aggregated anonymous information about you, combined with other persons using our website with third parties. This data allows them to analyze the variety of visitors that interact with this website.

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 per state and federal laws or prevent a crime; or if we sell the company or merge with another company.

We may disclose your information to manage and protect our information technology infrastructure and security.

Your information, including your PII, may be sold to third parties/vendors. We may also sell your information, including your PII to other affiliated companies, and with other vendors and business partners.

Some business partners include companies who provide business services to us or on our behalf, such as to monitor Services activities, market products or services to you, help to maintain our customer database, and administer e-mails, surveys or other contests.

We may also disclose your information for any other purpose with your consent. We may share non-PII at any time for any purpose.

Third Parties:

We will share your personal information with third parties as outlined in this privacy policy.

We will share your information with 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 a purchase. When you register on this website, you explicitly authorize us to share your information with third parties so that they may contact you via email, SMS, telephone and/or direct mail.

Specifically, at registration you agree to receive autodialed or prerecorded calls (including calls to mobile numbers) and texts and emails from us and any affiliates or third parties to the phone numbers (including mobile numbers) and email addresses you provide to us.

You understand and agree that if you submit an inquiry on our website, the Company will share and/ or sell the information that you provided with our network of clients including but not limited to: mortgage bankers, mortgage brokers, credit consultants, insurance brokers or any other business in our network that may be related to the service or product you have expressed interest in. As a result, different types of businesses may be provided your information and may contact you.

This Privacy Policy only addresses the privacy practices by us. We are not responsible for the policies or practices of third parties.

Other websites or services, such as those websites we provide links to, websites or services you may have clicked-on that directed you to the Services, or websites that may be accessible to you through the Services, have their own privacy policies regarding data collection, use and disclosure practices.

If you visit third party websites, we encourage you to review that website or service’s privacy policy.

Technology We Use:

We use Cookies, which allows us to identify files on your computer and note your preferences and other data about your visit to our website. When you return to the website, we are then able to identify you and can personalize your next visit.

If cookies settings are disabled or changed you may experience site or Services features that do not function properly. This data is used to enhance your experience by delivering personalized advertising (or allow third parties to deliver targeted advertising) on our website.

If you wish to disable cookies, you may do so through your browser on your computer or other devices.

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.

We may use cross-device advertising and tracking in which we will collect, use and share the above data with a third party for cross-device advertising purposes. 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 an advertisement effectiveness and overall campaign success.

We may use this to identify and track consumers across devices through identifying characteristics such as a consumer login account and may be used to connect data across different devices. This will allow delivery of advertisements or informational data to your multiple devices.

We may also use push notifications and alerts to notify you of services and/or products that you have expressed interest in on multiple devices.

If you no longer wish to receive these communications, you may turn them off through your device by opting-out of push notifications or alerts through browser settings.

Editing and Requesting Your Information:

Users are allowed to edit/change profile settings. Even after the removal of information from a profile, copies of that information may remain viewable elsewhere to the extent it has been shared with others or it was copied or stored by other users.

We may also be required to retain your information by law or for legitimate business purposes, such as to prevent identity theft or other misconduct.

To request a copy of your PII that we have collected or to correct factual inaccuracies within this information please us the Contact Us feature on our website to make that request.

How to Unsubscribe, Opt Out or Revoke:

If you would like to opt-out of receiving SMS or email communications, you may follow the instructions in any SMS or email to unsubscribe or please us the Contact Us feature on our website make that request.

As to communications from third parties, please follow the instructions to opt-out in those entities’ communications.

You may revoke consent at any time for any use of PII collected from you under this Privacy Policy. To revoke consent, please us the Contact Us feature on our website to make that request, please provide “revoke Personal Information” in the subject line.

Data collected may be sold or transferred to our third parties which takes place immediately in real-time and should you unsubscribe, opt-out or revoke consent, your data may have already been sent to our third parties. We cannot revoke your information from a third party if it has already been sold. We will remove your PII from our internal programs and further communication from us will cease.

Specific Industry Disclaimers:

Financial Services-Please note that we are not a mortgage lender, debt servicer, debt settlement, real estate company, insurance agent, auto sales company or automotive warranty organization. This is not, and is not intended to be, any type of application for any financial product.

Storage and Security:

We use commercially reasonable security measures to protect against the loss, misuse and alteration of your information under our control. Although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our website is at your own risk.

We will retain PII, including user location information, only as long as our business needs require. We will then destroy or render unreadable any such information upon disposal.

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.

We contractually require that third parties handle your PII similar to our practices. Again, we do not monitor such practices and thus are not responsible for third party security or handling of PII.

Be aware that no security measures are perfect or 100% secure, and we cannot guarantee the security of any information transmitted to or from the Services. Please do not communicate any information to us through unsecured channels. The security of your personal information also depends on you.

Minors and Privacy Issues:

Children’s Online Privacy Protection Act- This site is intended to be used by people the age of 18 and older. We do not knowingly allow any users under the age of 18 to use our service. However, if you become aware of the existence of a user who is under the age of 18, or that an individual under 18 has provided their information to us, please us the Contact Us feature on our website to get in touch.

If you are a parent or guardian and believe that your child under the age of 18 has provided personal information to us, you may contact us to request this information be deleted.

No part of the Services is designed to attract anyone under the age of 18. Children under the age of 18 may not use the Services. We do not knowingly collect any information from Children under the age of 18.

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. To request a copy of information regarding our disclosure of personal information to any third parties for their direct marketing purposes, please us the Contact Us feature on our website.

Revisions to this Privacy Policy:

We may change this Privacy Policy at any time. When this policy has changed, we will revise the updated date at the bottom of this page. The revised Privacy Policy will be effective immediately when posted on the Service.

We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect.

Your continued use of the Services after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Privacy Policy.