Privacy Policy
Last updated:
RateCanopy (operated by Creative Round LLC, NMLS #343820) is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit RateCanopy.com and use our mortgage rate comparison tools and related services.
1. Information We Collect
We may collect the following types of information:
Information You Provide Directly
- ‣Name, email address, and phone number when you create an account or contact us
- ‣Financial information you enter into our rate comparison tools (purchase price, down payment, credit range, loan type)
- ‣Location information (state, city, ZIP code) used to display relevant rates and programs
- ‣Communications you send to us via email, chat, or contact forms
Information Collected Automatically
- ‣Log data: IP address, browser type, pages visited, time spent, referrer URL
- ‣Device information: device type, operating system, screen resolution
- ‣Cookies and similar tracking technologies (see Section 3)
2. How We Use Your Information
We use the information we collect to:
- ‣Display personalized mortgage rate comparisons relevant to your stated scenario
- ‣Provide rate alerts and notifications when rates match your saved targets
- ‣Improve and personalize the user experience on our platform
- ‣Respond to your inquiries, comments, and support requests
- ‣Send you service communications, including rate alerts you have subscribed to
- ‣Analyze usage patterns to improve our tools and content
- ‣Comply with applicable laws and regulations, including RESPA and state licensing requirements
We do not sell your personal information to third parties.
3. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, analyze traffic, and support advertising. Types of cookies we use:
- Essential:Required for the Site to function (session management, security)
- Analytics:Help us understand how visitors interact with the Site (e.g., page views, session duration)
- Preferences:Remember your settings and saved scenarios between visits
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of the Site may not function properly without cookies.
4. Third-Party Disclosure
We may share your information with third parties in the following limited circumstances:
- ‣Lender partners: If you elect to connect with a lender or request a quote, we share your scenario information with that lender. This constitutes a referral relationship disclosed under RESPA.
- ‣Service providers: We use trusted third-party services for hosting, analytics, email delivery, and customer support. These providers are contractually prohibited from using your information for their own purposes.
- ‣Legal requirements: We may disclose information when required by law, court order, or to protect the rights and safety of our users or the public.
- ‣Business transfers: In the event of a merger, acquisition, or sale of assets, user information may be transferred as part of that transaction.
5. Security
We implement commercially reasonable technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction. Our platform is hosted on Cloudflare's global infrastructure with TLS encryption, access controls, and regular security reviews.
However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security and encourage you to use strong, unique passwords and to protect your account credentials.
6. Your Rights
Depending on your location, you may have certain rights regarding your personal information, including:
- ‣Access: Request a copy of the personal information we hold about you
- ‣Correction: Request correction of inaccurate or incomplete data
- ‣Deletion: Request deletion of your personal information, subject to legal retention requirements
- ‣Opt-out: Unsubscribe from marketing communications at any time using the unsubscribe link in any email
- ‣California residents: Additional rights under CCPA including the right to know what personal information is collected and the right to opt-out of sale (we do not sell personal information)
To exercise your rights, contact us at privacy@ratecanopy.com.
7. Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us: