1. Information We Collect

User-Submitted Content

• Rate submissions including negotiated interest rates
• Product details
• Submitter's name (as voluntarily provided)
• Uploaded files: Users may optionally upload files (e.g., images, documents) to support their rate submissions.

Technical Information

• Cookie identifiers for your device (for site functionality)
• Usage data and analytics
• Browser type and version
• Operating system

2. How We Use Your Information

Rate Submissions

• To display user-submitted rates on our website
• To help other users compare mortgage rates
• To maintain site functionality and improve user experience

Uploaded Files

• To manually review and verify submitted rates.
• To determine whether a rate qualifies as "verified" for display purposes.
• Uploaded files are not shared publicly or with third parties.

Technical Data

• To analyze site usage patterns
• To maintain and improve site performance
• To prevent automated abuse of our services

3. Data Storage and Security

• We store minimal personal information as no user accounts exist
• Submitted rates and names are stored securely
• We employ standard security measures to protect against unauthorized access
• Uploaded files are stored securely in a restricted-access storage system. Access to uploaded files is restricted to authorized personnel for review purposes only.
• We retain information only as long as necessary for the purposes stated

4. Your Rights

You have the right to:

• Request access to any personal information we hold about you
• Request correction of any inaccurate information
• Request deletion of your submitted content
• Opt-out of cookies (except those essential for site functionality)

5. Third-Party Services

• We use standard analytics tools to monitor site usage
• We do not sell or share personal information with third parties
• Our site may contain links to other websites not under our control

6. Contact Us

For privacy-related inquiries or to exercise your rights regarding your personal information, please contact us atratereviews888@gmail.com.

7. Changes to This Policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date. Your continued use of the site after such changes constitutes acceptance of the updated policy.

Last updated: January 27, 2025