Privacy Policy

This site is owned and operated by RatesAreHot.com. Your Privacy Policy on the internet is of the utmost importance to us. At RatesAreHot.com we want to make your experience online satisfying and safe. By using this site you agree to the terms of this privacy policy. Please read the following online privacy policy as well as the terms of agreement to fully understand how your personal information will be treated when you use our service.

Please note that RatesAreHot.com owns several other domain names that point to RatesAreHot.com and that this Privacy Policy applies only to sites that are maintained by RatesAreHot.com and not to websites maintained by other companies or organizations that RatesAreHot.com is linked to.

Because we gather certain types of information about our users, we feel you should fully understand the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.

RatesAreHot.com gathers, stores and tracks information from consumers that are looking to obtain information regarding a purchase mortgage, refinance mortgage, home equity loans, home insurance rates and car insurance rates. Information that users provide through optional, voluntary submissions. These are voluntary submissions i.e., electronic newsletters, forums, emails, voluntary participation of certain information including some of the following:

• Type of Loan
• Zip Code Info
• Type of Home
• Location of Home
• Monthly Gross Income
• Credit Scoring Estimates type of credit
• Questions regarding payment histories
• Questions regarding credit card payments and histories
• Name
• Address
• Phone Number
• Email Address
• Balances on Mortgages
• and other information required to gather the best offer rate quotes and pre-qualification information.

The information above is collected and stored in a database for consumers that elect to input this information. RatesAreHot.com does not provide financing rather we send those requested forms to third-party broker/lender/clients.

Again this information gathered is sent to a third party lender/broker/client of RatesAreHot.com who is legally able and willing to respond to your loan request. Consumers who complete the forms and hit the submit button are expressly authorizing up to five third party lenders to contact them in connection with their loan financing request regardless of whether or not such consumer is listed on a "Do Not Call List".

All of this information provided by consumers becomes the property of RatesAreHot.com once received by us and may be used and disclosed as permitted in this privacy policy.

As part of our ongoing process we may verify information that is provided by the consumer or obtain omitted address or other contact information from third parties.

Newsletters

We will offer a free electronic newsletter to users. RatesAreHot.com gathers the email addresses of users who voluntarily use the website. Users may remove themselves from this mailing list by following the link provided in every newsletter that points users to the subscription management page.

Cookies

We may place a text file called a "cookie" in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. The only personal information a cookie can contain is information you supply yourself. A cookie can't read data off your hard drive or read cookie files created by other sites. RatesAreHot.com uses cookies to track user traffic patterns (as described above). Our advertising system delivers a one-time cookie to better track ad impressions and click rates.

You can refuse cookies by turning them off in your browser. If you've set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site. However, you do need cookies to participate.

Security

RatesAreHot.com operates secure data networks protected by industry standard firewall and password protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

Opt-Out Policy

We give users options wherever necessary and practical. Such choices include:

Opting not to register to receive our electronic newsletters.

Opting not to participate in certain interactive areas, which completely alleviates the need to gather any personally identifiable information from our users.

This privacy policy applies to your information that we collect and receive and it does not apply to businesses that we do not control or own or people we do not employ. At no time do we sell your personal information without your permission. You can visit RatesAreHot.com without inputting any personal information onto the site.

Third Party Advertising

We use third party advertising companies to serve ads when you visit RatesAreHot.com. These companies use non-personal identifiable information regarding your visit to RatesAreHot.com and other sites, such as the user IP address, pages viewed, date and time of your visit, and number of times you have viewed an ad excluding your name, address, or other personal information) to serve ads to you on this site and other sites that may be of interest to you. While serving advertisement to this site, our third-party advertiser may place or recognize a unique cookie on your browser.

Third Party Linking

This privacy policy applies to all information that you provide to RatesAreHot.com. However, when you visit our third party lenders/clients please be advised that they operate under their own privacy and security policies. Please refer to the operating websites privacy policy agreements prior to using any website.

Please be aware that we may change our Privacy Policy from time to time. If we do, we will update this Privacy Policy at our website, so be sure to check back frequently.

If you have any questions please feel free to contact info@ratesarehot.com.