Privacy Policy

Effective Date August 17, 2020

This Privacy Policy (together with our Terms of Service and any other
documents referred to therein) provides an explanation of what information we
collect, how we collect it and how it will be processed (and may be disclosed)
by us. By submitting your details to us via this website (the “Site”) you
consent to RateMarketplace’s (“Site”, “we”, “us”, or “our”) collection and use
of your personal information in accordance with this Privacy Policy.

Applicability and Third Party websites and Services

This Privacy Policy only applies to our website and does not apply to third
party websites you may link to from this Site or third party web pages or
other online services which may be displayed on this Site. If you click on a
link to a third party website or service, or supply information to a third
party website or service that is placed within our webpage, you are
interacting with that third party and this Privacy Policy will not apply. We
encourage you to review the privacy policies of those third party websites and
services.

Information Collected

We collect general types of information about you when you visit and use this
platform; examples include personal information, demographic information,
behavioral information, and indirect information. Sometimes we collect
combinations of these types of information. Depending on what product/service
you inquire about, some of the information that may be requested will be
identified as mandatory or as voluntary. If you do not wish to provide the
mandatory information for a particular product/service, you will not be
permitted to submit an inquiry as some information is required to process your
requests.

“Personal information” is information that can be used to
identify you. It is largely information which you are prompted to provide to
us. Such information may include your name, address, telephone number(s),
mobile numbers and email address, employment status or self-employment or
other unique information about you which you provide to us on this platform,
or through the course of communicating with us about the products and services
provided on this platform.

“Demographic information” is information that refers to
selected population characteristics. Such as zip code, military status,
personal and online interests. When we can identify you through this
information, it is Personal Information.

“Behavioral information” is information which is
automatically collected when you use the platform. It includes the areas of
the platform that you visit, what services you engage with, and information
about your computer hardware and software, including your IP address,
geographic location, browser preference, operating system type, domain names,
times that you access the internet, and other web properties you may have
visited. When we can identify you through this information, it is Personal
Information.

“Third party information” is information about you that we or
third parties we contract will collect which may include personal,
demographic, behavioral and indirect information. This collection may include,
but not limited to, first party cookies, third party cookies, anonymous
cookies, persistent identifiers, email opt in, and search engine keywords. We
have no access or control over these cookies and other tracking devices used
or owned by third party advertisers and networks. Since we have no ownership
or control over these cookies and they are governed by third party policies
and practices, we have no responsibility or liability for such third parties
or their policies and practices.

“Web technology information” is information that may include
personal or non-personal that we, or third parties we contract will
automatically collect from you when you visit our Website. This information is
collected by tracking and recording your activities on this website. The
technology is activated upon entering the site and terminates upon exiting the
site. Information collected includes internet protocol (IP) addresses, browser
type, internet service provider (ISP), referring/exit pages, operating system,
date/time stamp, mouse movements and/or clickstream data. This information is
collected from the use of cookies, web beacons or JavaScript. This information
is combined with other aggregate data and assigned a unique identifier to you,
for that site visit.

We will never knowingly collect any Personal Information from children under
the age of 13. If we obtain actual knowledge that we have collected Personal
Information about a child under the age of 13, that information will be
immediately deleted from its database. Because we do not collect such
information, we have no such information to use or to disclose to third
parties.

How we may use and share the information that we collect:

The information that we collect about you may be used by us in any manner and
for any purpose permitted by law. This may include sharing your information,
both personally identifiable information and non-personally identifiable
information, with third parties for marketing purposes, including but not
limited to, sending you email offers for goods and services that may interest
you. Additionally, we may, or we may engage third parties who may, combine
your personally identifiable information, such as your email address, with
non-personally identifiable information such as your IP address, device ID, a
unique cookie recognized on your browser, or information associated with such
non-personally identifiable information such as information about your
browsing history, whether collected on this site or a third-party site, for
the purpose of sending you more relevant advertising, including by email. To
opt-out from this service click here.

We may share aggregated anonymous information about you, combined with other
persons using our website with third parties so that they can understand the
diversity of visitors and their activity/use of our website.

We share your personal information with third parties who will provide you
with their opportunities, products or services. This includes your interests
and preferences, so they may determine whether you might be interested in
their products or services.

You agree to receive autodialed or prerecorded calls, messages, text and
emails from us and any affiliates or third parties to the phone numbers and
email addresses you provided on this site. Your consent is not a condition,
directly or indirectly of any type of purchase.

The information you provide on this site will be shared and purchased by these
businesses in order to provide such services. As a result, we provided your
personal and non-personal information to these businesses so they may contact
you. This will allow for you to compare different services/products and
providers prior to purchasing such services/products.

We also share your personal information with companies and individuals we
employ or contract to perform technical or mechanical functions on our behalf,
such as third parties who host our website, analyze our data, provide
marketing assistance, process credit card payments, validate submissions and
provide customer service.

Third parties who provide these technology functions on this site will have
your data in order to validate form submissions. These technical functions
will track and capture user activities and movements within the inquiry form.
These records are shared for a legal purpose, to provide proof of a valid form
submission. These records are also used for internal auditing purposes to
confirm proper consumer disclosures were provided per Federal and State laws
and regulations.

We will share your information in order to process consumer rights and Opt-Out
requests with affiliated partners and/or third parties in order to process and
monitor these requests.

We will disclose your information if legally required to do so, or at our
discretion, pursuant to a request from a government entity, or if we believe
in good faith that such action is necessary to stay legally compliant or
prevent a crime; and we will share your information if we sell our company or
merge with another company.

We may disclose your information to improve, manage and protect our
information technology infrastructure and security. We may also disclose your
information for any other purpose with your consent and may share non-personal
at any time for any purpose.

We may disclose and transfer your information to a third party who acquires
part or all of our business through a merger, consolidation or purchase of all
or part of our assets. We may disclose your information in an insolvency
proceeding, whether voluntary or involuntary, as our role of liquidator,
administrator , receiver or administrative receiver we may sell, license or
otherwise dispose of such information in an event approved by the court.

How you may opt-out of certain data collection

Personal information collected may be shared immediately with third parties
for direct marketing purposes, but you may opt-out of further sharing of your
information for direct marketing purposes by submitting your request to
support@ratemarketplace.com.

Cookies and Other Technology

We or third parties we contract may place and use tracking technologies on
this site. We utilize technologies such as cookies, web beacons and JavaScript
which may be used and placed by us, third parties and/or advertisers.

These technologies or similar technologies are used to collect internet
protocol (IP) addresses, browser type, internet service provider (ISP),
referring/exit pages, operating system, date/time stamp, mouse movements
and/or clickstream data. We may receive reports based on these technologies on
an individual or aggregate basis for analysis purposes.

Cookies are small data files that are stored on your computer or device by
your web browser. We use cookies to store information so that you do not have
to re-enter your information upon revisiting one of our Sites. Cookies also
enable us to provide personalized content, monitor our marketing campaigns,
track your entries and submissions and gather information about your
interactions with our Site or with one of our advertisements. Cookies may be
set by us or our business partners and service providers when you visit the
Site or when you interact with one of our advertisements or other content. We
use both session cookies, which terminate when you close your browser, and
persistent cookies, which may remain on your computer until you delete them.
You may decline cookies if your web browser software permits. If you have
questions about disabling cookies, you should consult with your browser’s
manufacturer. Note, however, that some parts of the Site may not operate
correctly if you disable cookies.

We may also track your use of our Site, advertisements and other content
through web beacons (also called pixel tags or clear gifs). Web beacons
collect only a limited set of information like a cookie number, time and date
the page was viewed, as well as a description of the page on which the web
beacon resides. This allows us to determine if you opened or engaged with
communications like emails. Web beacons may be rendered ineffective by either
opting out of cookies or changing the cookie setting in your browser. Web
beacons can be used for various purposes, including to help us improve our
Site, services and marketing communications.

We may also use JavaScript which is a computer language that enhances the
functionality of web properties, specifically with respect to pictures. We use
it to analyze and improve our site’s functions. It is also used to track,
record and analyze user movements throughout this site. We share this
information to provide legal compliance. You may deactivate JavaScript through
your browser settings or activate it the same way.

Targeted Ads and Analytics Services

We may have relationships with third party advertising and analytics services
companies who may place advertisements on our behalf onto other websites,
perform tracking and reporting functions for those Sites and our
advertisements, and place third party advertisements on our Site. Information
collected includes, but may not be limited to, information about the websites
you’ve viewed and advertisements you interacted with, along with your IP
address, date/time stamp information, your ISP and the browser you use to
visit this Site. This information may be used, among other things, to deliver
advertising (from us and from other companies) targeted to your preferences
and interests, and to better understand the usage and visitation of our Site
and the other websites tracked by these advertising companies.

To learn more about targeted advertising (also called behavioral advertising),
analytics services and your choices, including how to opt-out of some third
party ads, advertising networks and ad servers, you may wish to visit the
NAI Consumer Opt-Out Page
and the
Google’s information page.

What choices do you have regarding collection of your information?

  • Providing Information. You can choose not to provide us with your
    personally identifiable information. Note, however, that you may not have
    access to certain of our products and services if you decide not to provide
    us with your information.
  • Opting Out of Our Promotional Emails. You may opt-out of receiving
    marketing and promotional emails from us at any time by using the opt-out
    mechanism contained in such emails (also referred to as “unsubscribe”), or
    by submitting your request to support@ratemarketplace.com. Please allow 10
    business days for us to process your opt-out request. Also, note that opting
    out of receiving promotional email communications will affect only future
    communications from us. If we already provided your information to a third
    party before you changed your preferences or updated your information, you
    may have to change your preferences directly with that third party as well.
  • Declining Cookies. If you do not want to accept our cookies, you can
    adjust your browser settings to decline cookies. You should note, however,
    that certain areas of the Site may not operate properly if you decide not to
    accept cookies.
  • NAI Opt-Out. Some third-party advertising companies we use may
    collect information about you through cookies and other technologies in
    connection with their behavioral advertising programs. For information on
    opting out from behavioral advertising practices, please refer to the
    Targeted Ads and Analytics Services section above.

Children’s Privacy

This Site is intended for general audiences and is not intended for use by
persons under the age of 13. If we learn that we have inadvertently collected
personal information from a child under the age of 13, we will delete it. If
you believe that we have collected personal information from a child under 13,
please contact us using the information below.

Updates to this Privacy Policy

We reserve the right to change this Privacy Policy at any time by posting an
updated Privacy Policy on our Site without advance notice to you. We encourage
you to check this page often for updates and revisions. Any updated Privacy
Policy will be effective immediately upon posting.

Personal Information Transferred to the U.S.

We operate our Site in the United States, and it is intended for use only by
those in the U.S. Data protection and privacy laws in the U.S. differ
significantly from those in other locations. If you are located outside the
U.S., you understand and acknowledge that the personal information that we
collect will be transferred to and processed in the U.S., and you consent to
such activities.

CALIFORNIA RESIDENTS- Your California Rights

The California Consumer Protection Act has granted specific rights and
remedies. 
To review all California Privacy Rights and Remedies please click
here.

Contact Us

If you have any questions or concerns regarding this Privacy Policy, or how we
collect and use personal information, please contact us at any of the
following:

support@ratemarketplace.com

RateMarketplace

Attn: Compliance Department

6424 E. Greenway Parkway, Suite #118

Scottsdale, AZ 85254