Privacy Policy

PRIVACY POLICY

EFFECTIVE DATE: JUNE 18, 2021

Any information that you provide of a confidential personal nature or otherwise through this website (“Site”) will be handled in accordance with the following Privacy Policy (“Policy”). Your use of the Site is contingent upon your acceptance of the Terms and Conditions of this Site as well as the guidelines of this Policy. If you do not accept the terms of this Policy, you may not use the Site.

INFORMATION COLLECTION AND USE

Active Collection. You understand and agree that RATE TRACKER, LLC and its authorized business partners, affiliates, subsidiaries, and agents (collectively, “RATE TRACKER”, “us” or “we”) may collect, maintain, and process information provided by you, on and through the Site such as your name and email address (“User Submitted Information”). You represent and warrant that you have permission to share any User Submitted Information you elect to provide RATE TRACKER and that such information is accurate, current, non-misleading, consistent, and relevant for the purpose for which you are providing information. We may use your User Submitted Information to communicate with you regarding our products and services and those of our subsidiaries, affiliates, and parent companies and any of their related businesses. You may elect to opt-out from receiving materials from us by following the instructions found below in the Opt-Out section.

Passive Collection.  We may record and collect information about how you use the Site. This data may include your domain name, language, type of browser and operating system, Internet Service Provider, Internet protocol address, access times, and referring website addresses. We may monitor, use, and share such data to measure the Site’s performance, activity, and improve the Site’s design and functionality. As with many Internet sites, we may use “cookies” or “web beacons” to, among other things, enhance the functionality of the Site and to make transactions and other activities through the Site more convenient and efficient for visitors. A “cookie” is a file stored locally on a user’s computer. Most Internet browsers include preference settings that allow users to be notified and control whether cookies are transferred to their computers.

The information you provide to RATE TRACKER through this Site is used to help us understand how visitors navigate our Site and to provide advertising that may be relevant to your interests. You may elect to opt-out from receiving materials from us by following the instructions found below in the Opt-Out section.

By providing any personal information to us, you fully understand and unambiguously consent to the transfer of such personal information and the collection and processing of such personal information in the United States. Your personal information will be stored and processed on computers in the United States and Canada.

Information You Give Us. We collect personal information that you enter on our Site. For example, we collect information from you when you contact us with a question or use any of our services on the Site.

The personal information we may collect from you include:

  • Your name
  • Your e-mail address
  • Your phone number
  • Your address
  • Communications with RATE TRACKER
  • Gender
  • Social media handles
  • Other information you choose to provide RATE TRACKER

Age Restrictions. RATE TRACKER does not knowingly market to, solicit or collect data from persons under the age of 18. If you are under the age of 18, we ask that you do not use this Site. While we cannot take any special action to learn your age, if we learn that you are under 18 years of age, we will not maintain or use any personally identifiable information about you. If you believe your minor-child has provided personally identifiable information to us, please contact us so we can allow you the opportunity to review and delete such information.

WHEN AND WITH WHOM WE MAY SHARE YOUR INFORMATION

Use of Information Collected. RATE TRACKER will share your personal information with third-party companies, if necessary, for purposes such as responding to your inquiries, providing you the requested services, sending you newsletters, or other business purposes. To the extent RATE TRACKER hires other companies to provide limited services on its behalf, we will only provide those companies with the information that they need to provide us with such services.

Third Party Advertising Vendors. RATE TRACKER and the Site may use third-party advertising companies (such as Google, Twitter, and Facebook) that employ the use of pixel tags, web beacons, clear GIFs, advertising cookies or other similar technology to help with our online and email advertising campaigns. RATE TRACKER uses these third-party services to deliver targeted ads to you on our Site and across the web on your devices. To learn more about how Google uses cookies in advertising, you can visit the Google ad and content network privacy policy located HERE. You can opt out of receiving interest-based Google ads, or customize the ads Google shows you, by clicking HERE. Likewise, if you elect to register to receive email newsletters RATE TRACKER will not only use your email for newsletters but it will also be shared with third-party vendors (such as Facebook, Google, and Twitter) to serve targeted ads to you on their respective platforms and across the web. You can learn more about Twitter’s interest-based advertising or opt-out through Twitter HERE. In addition to the platform specific opt outs you can opt out directly with RATE TRACKER as detailed in the Opt-Out Choices section below.

Sale or Transfer. In the event of the sale of RATE TRACKER, or in the event of a transfer of our assets, Site or operations, RATE TRACKER may disclose or transfer your personal information in connection with such transaction. In the event of such a transfer, RATE TRACKER will notify you via email or by posting a prominent notice on our Site for 30 days of any such change in ownership of RATE TRACKER resulting in a change of control of your personal information.

Cookies and Other Tracking Mechanisms. We may monitor, use, and share such data to measure the Site’s performance, activity, and improve the Site’s design and functionality, such as Gravitec. As with many Internet sites, we may use “cookies” or “web beacons” to, among other things, enhance the functionality of the Site and to make transactions and other activities through the Site more convenient and efficient for visitors. A “cookie” is a file stored locally on a user’s computer. Most Internet browsers include preference settings that allow users to be notified and control whether cookies are transferred to their computers.

You also can learn more about cookies by visiting http://www.allaboutcookies.org, which includes information on cookies and how to block cookies on different types of browsers and mobile devices. However, by blocking or deleting cookies used on this Site, you may lose full functionality of the Site.

We may also use pixel tags (also known as web beacons and clear GIFs) on the Site to track your actions on the Site. Pixel tags are embedded invisibly on webpages and help us measure the success of our marketing campaigns and compile statistics about your usage of the Site.

Disclosure pursuant to law.  We will also disclose your personal information, without notice, when required to do so to: (a) conform to the edicts of the law or comply with legal process served on RATE TRACKER or the Site; (b) protect and defend the rights or property of RATE TRACKER; and (c) protect the personal safety of users of RATE TRACKER, its websites, or the public.

Your Consent to Share. By providing any personal information to us, you fully understand and unambiguously consent to the transfer of such personal information and the collection and processing of such personal information in the United States. Your personal information will be stored and processed on computers in the United States. The laws on holding personal information in the United States may vary and be less stringent than laws of your state. We will use commercially reasonable efforts to hold and transmit your personal information in a safe, confidential, and secure environment. If you object to your personal information being transferred or used in this manner, do not register with, or use the Site.

CALIFORNIA RESIDENTS

California residents have specific rights regarding their personal information. This section describes how a California resident may exercise those rights.

NOTE: we do not sell your personal information as defined under the California or Nevada data laws.

Rights to Access Personal Information. California residents have the right to request that we disclose certain information to them about our collection and use of their personal information over the past 12 months. Once we receive and confirm a verifiable consumer request from a California resident, we will disclose:

  • The categories of personal information we collected about you.
  • The categories of sources for the personal information we collected about you.
  • Our business or commercial purpose for collecting or selling that personal information.
  • The categories of third parties with whom we share that personal information.
  • The specific pieces of personal information we collected about you (also called a data portability request).
  • If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
    • sales, identifying the personal information categories that each category of recipient purchased; and
    • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Rights to Deletion Personal Information. California residents, subject to certain exceptions, have the right to request that we delete any of their personal information that we collected and retained. We may deny such a deletion request if retaining the information is necessary for us or our service providers to:

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended functionality.
  4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546).
  6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
  7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  8. Comply with a legal obligation.
  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access and Deletion Rights. To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by:

Emailing us at [email protected]

Only a California resident, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information under this section.

We will process and respond to your request within 45 days after it is verified (in some cases this process may be extended by an additional 45 days).

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

ONLINE TRACKING
At this time, this Site does not support Do-Not-Track signals.

OPT-OUT CHOICES
To “opt-out” of (1) any consents previously given to us, (2) receiving communications from us, or (3) having personal information disclosed to third parties, send an e-mail to [email protected] . Notwithstanding this right to request to cease receiving communications from us and to have us not share personal information with third parties, we retain the right to collect, maintain and process information provided by and collected about you on and through the Site, and disclose such information to comply with its reasonable business and legal obligations.

ACCESS TO PERSONAL INFORMATION
To the extent that you may provide personal information to us on or through the Site, we will allow reasonable access to, and review of, such information, where such information is readily available, upon proper verification and authentication of the person (author) seeking such access and review. You may request review and revisions to your personal information through the [email protected] email address. After receipt of verification, we will change or delete your personal information at your request.

CONSENT TO PROCESSING
By using or providing information to the Site, you understand and unambiguously consent to the collection, processing, sharing, and use of such information in the United States for the purposes set forth in this Policy.

SECURITY
Due to the nature of the Internet, we cannot and do not guarantee that communications with the Site will be free from unauthorized access.

CHANGES TO THIS PRIVACY POLICY
RATE TRACKER reserves the right to revise this Privacy Policy at any time by updating this posting, and your use of this Website after such change signifies your acceptance of the changed terms. Periodically check these terms for revisions.

CONTACT INFORMATION
If you have questions or concerns about your privacy when using the Site, contact RATE TRACKER by email at [email protected].