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.
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.
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 ActiveProspect'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.
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. We are not a mortgage 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 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, 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.
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.
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.
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.
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.
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.
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.
The California Consumer Protection Act has granted specific rights and remedies. To review all California Privacy Rights and Remedies please click here
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:
RateMarketplace
Attn: Compliance Department
6424 E. Greenway Parkway, Suite #118, Scottsdale, AZ 85254