Privacy Policy

1. Introduction

RateTrack ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our service.

2. Information We Collect

2.1 Personal Information

We may collect personally identifiable information that you voluntarily provide to us when you:

• Register for an account
• Subscribe to our premium service
• Contact us for support
• Participate in surveys or promotions

This information may include:

• Name and email address
• Payment information (processed securely through Stripe)
• Mortgage information you provide for analysis
• Communication preferences

2.2 Automatically Collected Information

When you use our Service, we may automatically collect certain information about your device and usage:

• IP address and geolocation data
• Browser type and version
• Operating system
• Pages viewed and time spent on our Service
• Referring website addresses
• Device identifiers

2.3 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect and use personal information about you. This includes:

• Functional cookies to remember your preferences
• Analytics cookies to understand how you use our Service
• Security cookies to protect against fraud

3. How We Use Your Information

We use the information we collect for various purposes, including:

• Service Provision: To provide, maintain, and improve our Service
• Account Management: To create and manage your account
• Communication: To send you notifications, updates, and marketing communications
• Personalization: To customize your experience and provide relevant content
• Analytics: To understand how our Service is used and improve it
• Legal Compliance: To comply with legal obligations and protect our rights
• Payment Processing: To process subscription payments
• Customer Support: To respond to your inquiries and provide assistance

4. How We Share Your Information

4.1 Third-Party Service Providers

We may share your information with third-party service providers who perform services on our behalf:

• Payment Processors: Stripe for payment processing
• Email Services: For sending notifications and communications
• Analytics Providers: For usage analytics and service improvement
• Cloud Hosting: For data storage and service hosting

4.2 Business Partners

We may share information with business partners to provide you with relevant services or offers. We will only share information necessary for the specific purpose and require partners to protect your privacy.

4.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities, including:

• Legal process (subpoenas, court orders)
• Law enforcement requests
• National security requirements
• Protection of our rights and safety

4.4 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Data Security

We implement appropriate security measures to protect your personal information:

• Encryption of data in transit and at rest
• Regular security assessments
• Access controls and authentication
• Secure payment processing through PCI-compliant providers
• Regular backups and disaster recovery procedures

However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, including:

• While your account is active
• To comply with legal obligations
• To resolve disputes
• To enforce our agreements

When we no longer need your information, we will securely delete or anonymize it.

7. Your Privacy Rights

7.1 Access and Correction

You have the right to access, update, or correct your personal information at any time through your account settings.

7.2 Data Portability

You have the right to receive a copy of your personal information in a structured, commonly used format.

7.3 Deletion

You have the right to request deletion of your personal information, subject to certain legal limitations.

7.4 Opt-Out

You may opt out of marketing communications at any time by:

• Using the unsubscribe link in emails
• Updating your communication preferences in your account
• Contacting us directly

7.5 California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and how we use it.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

9. Children's Privacy

Our Service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

10. Third-Party Links

Our Service may contain links to other websites. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.

11. 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 this page
• Updating the "Last Updated" date
• Sending you an email notification for material changes

12. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us through the contact information provided on our website.

13. Specific Information About Our Data Practices

13.1 Mortgage Information

When you provide mortgage information for analysis, we use this data solely to:

• Provide personalized refinance analysis
• Send relevant rate alerts
• Improve our service algorithms

We do not sell this information to third parties or use it for purposes other than providing our Service.

13.2 Email Communications

We may send you:

• Service-related notifications (account updates, rate alerts)
• Marketing communications (with your consent)
• Important service announcements

You can manage your email preferences in your account settings.

13.3 Analytics and Improvement

We use aggregated, anonymized data to:

• Understand usage patterns
• Improve our algorithms
• Develop new features
• Generate market insights