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Effective Date: August 25, 2024

Rate Republic (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website [www.raterepublic.com] (the “Site”), use our services, or interact with us in any other way. Please read this policy carefully. By using the Site, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect personal information about you in various ways. This includes:

Personal Identifiable Information (PII): Name, email address, phone number, mailing address, and other personal details when you fill out forms, sign up for services, or interact with us.

Financial Information: Information related to your mortgage or loan application, including your income, credit history, and banking information.

Usage Data: Information about your interaction with the Site, such as IP address, browser type, device information, and pages visited.

Cookies and Tracking Technologies: We use cookies, web beacons, and similar tracking technologies to enhance your experience on our Site and gather usage data.

2. How We Use Your Information

We use the information we collect for the following purposes:

To Provide Services: Processing loan applications, providing customer support, and ensuring smooth communication regarding your mortgage or commercial loan.

To Improve Our Services: Analyzing how you use our Site to optimize performance and improve customer experiences.

Marketing Communications: With your consent, we may send you newsletters, promotional offers, and updates about our products and services. You can opt out of these communications at any time.

Legal and Compliance: To comply with legal obligations, regulations, and industry standards.

3. How We Share Your Information

We may share your information with:

Third-Party Service Providers: We may disclose information to trusted third-party partners who assist in providing services such as loan processing, escrow services, marketing, analytics, and IT support.

Business Transfers: In the event of a merger, acquisition, or asset sale, your information may be transferred to the new owners.

Legal Obligations: If required by law or to protect our rights and ensure compliance with legal obligations, we may disclose your information to relevant authorities.

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on the Site. Cookies are small data files stored on your browser by websites. They help us analyze trends, track user movements on the Site, and gather demographic information about our user base. You can disable cookies through your browser settings, but this may affect your ability to use certain features of the Site.

5. Data Security

We take appropriate technical and organizational measures to protect your personal information. While we strive to protect your data, no method of transmission over the internet is 100% secure. Therefore, we cannot guarantee absolute security. You are responsible for safeguarding any passwords or security credentials related to your use of the Site.

6. Your Rights and Choices

Access and Correction: You have the right to request access to the personal information we hold about you and to request that any inaccuracies be corrected.

Opt-Out of Marketing: You can opt out of receiving marketing emails from us by following the unsubscribe instructions in the emails or contacting us directly.

Do Not Track Signals: We do not respond to “Do Not Track” signals from web browsers.

7. Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. Please review their privacy policies before submitting any personal information.

8. Children’s Privacy

Our services are not directed to children under 13. We do not knowingly collect or solicit personal information from anyone under 13. If we discover that we have collected personal information from a child under 13, we will delete that information as soon as possible.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on the Site with an updated effective date. You are encouraged to review this policy periodically to stay informed about how we protect your information.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at:

Rate Republic

Email: jose@raterepublic.net

Phone: +1 619-745-1644

Address: 690 Otay Lakes Rd #230, Chula Vista, CA 91910