Privacy Policy

Effective Date January 25, 2021

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.

PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING AND USING THIS
SITE AND SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND
AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY
POLICY. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE LEAVE THIS SITE AND DO
NOT USE THESE SERVICES.

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 with to independently document
users’ permission to be contacted. This site uses two services. ActiveProspect’s
TrustedForm Script is embedded on this site and collects the following information
when you interact with the web pages where the script is present. This technology
will capture the page URL, mouse movements and clicks, contact information that
user inputs on site, a snapshot of the webpages, IP address of the user’s computer,
time on the webpages, date and time the TrustedForm Script was loaded, HTTP
headers from the user’s browser. For information regarding ActivePropect’s data
use and collection practices and policies please see TrustedForm. This site also
embeds Jornaya’s LeadiD script which collects information such as browser type,
internet service provider (ISP), referring and exit pages, platform type, date/time
stamp, IP address, number of clicks including tracking users’ movements on the site
(including the capture of visual snapshots of the users’ activity on the site). For
information regarding Jornaya’s data use and collection practices and policies
please see LeadiD. This information is combined with other aggregate data and
assigned a unique identifier 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
lender, insurance professional, real estate professional, home services contractor
or auto sales or warranty company.
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
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, which may be
combined with other persons using our website with third parties so that we and
our service providers 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 like
ActiveProspect and Jornaya will have your data in order to validate form
submissions. These records are stored and shared for a legal purpose, to provide
proof of a valid form submission when required under applicable Federal and State
laws and regulations. These records are also used for internal auditing purposes to
confirm proper consumer disclosures were provided.

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
    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