We receive referral fees from partners. Advertising Disclosure
We receive referral fees from partners. Advertising Disclosure
Last updated: May 20, 2021
This policy is specific and applies only to web visitors of www.GetRefinanceRates.com (the “Site”) who are California residents, under the meaning of Section 17014 of Title 18 of the Cal. Code of Regulations. Under the California Consumer Privacy Act of 2018 (“CCPA”), up to twice in a twelve (12) month period, a consumer has the right to request that a business disclose what personal information it collects, uses, discloses, and sells. Information regarding our collection, disclosure, and sale practices are detailed below, in addition to instructions on how to exercise your rights regarding your personal information.
We collect, and have collected personal information about our visitors within the preceding 12 months in the following categories:
Categories of Personal Information |
Categories of Sources From Which Personal Information Collected |
Business or Commercial Purpose for Which Each Category Will be Used |
|---|---|---|
| Identifiers (e.g., a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers), or information that identifies, relates to, describes, or is capable of being associated with, a particular individual | Site | Provide you with Site access; Track Site access and interaction; Personalize and improve the Site; Connect you with the particular service(s) or product(s) featured on the Site; Marketing; Internal database; Analyze the Site; Secure the Site; Customer service; and Legal compliance |
| Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with a website, application, or advertisement) | Site | Provide you with Site access; Track Site access and interaction; Personalize and improve the Site; Connect you with the particular service(s) or product(s) featured on the Site; Marketing; Internal database; Analyze the Site; Secure the Site; Customer service; and Legal compliance |
| Geolocation data | Site | Provide you with Site access; Track Site access and interaction; Personalize and improve the Site; Connect you with the particular service(s) or product(s) featured on the Site; Marketing; Internal database; Analyze the Site; Secure the Site; Customer service; and Legal compliance |
We collect the above personal information directly from you via the Site and from your interactions with the Site and the advertisements featured on the Site, including from cookies on the Site. A cookie is a small data text file, which is stored on your computer’s hard drive (if your web browser permits) that can later be retrieved to identify you to us. We also collect personal information from you through your clicks on the Site, including whether you indicated a need for a particular service or product featured on the Site, and all personal information that you have submitted through the Site in conjunction with your request. We also collect information on whether you responded to a particular advertisement featured on the Site, and which third party advertisements and links you click through the Site.
A “request to know” is a request related to the personal information that a business has about such consumer. It may include a request for any or all of the following from us:
To submit a request to know, please email us at [email protected]. To process your request, we may require that you submit the following information in conjunction with your request: your first name, last name, a California address, and email address. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for information, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. The information which you submit in conjunction with your request to know will be used for the express purposes of verification and providing you with responsive information to your request, if required.
You have the right to request the deletion of any personal information which we have collected about you, or which we maintain. To submit a request to delete, please email us at [email protected], or mail us your request at 2803 Philadelphia Pike, Suite B #223, Claymont, DE 19703. To process your request, we may require that you submit the following information in conjunction with your request: your first name, last name, a California address, and email address. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for deletion, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. The information which you submit in conjunction with your request to delete will be used for the express purposes of verification and providing you with responsive information to your request, if required.
We utilize a two-step process for online requests to delete, whereby you first submit your request to delete, and second, you separately confirm that you want your personal information deleted.
To the extent that your personal information is necessary for us to maintain for a reason delineated in Cal. Civ. Code § 1798.105(d), including but not limited to complete a transaction for which the personal information was collected, provide a good or service you have requested, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, debug, etc., or to comply with a legal obligation, we are not required to comply with your request for deletion. For instance, we are not required to delete personal information which is necessary to maintain suppression files for those individuals who have opted out of receiving email marketing from us. If we are unable to verify your request, we will notify you as well.
You have the right to opt-out of the sale of your personal information. You have the right to direct a business that sells (or may in the future sell) your personal information to stop selling your personal information, and to refrain from doing so in the future.
Our homepage features a “Do Not Sell My Personal Information” link, which you can click to submit your request to opt-out of the sale of your personal information. You may also email us at [email protected] to submit your request to opt-out of the sale of your personal information. In conjunction with your request, we may request that you provide your first name, last name, a California address, and email address to verify and process your request. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request to opt-out of the sale of your personal information, we may require that you provide proof that the authorized agent has been authorized to act on your behalf. The information which you submit in conjunction with your request to opt-out will be used for the express purposes of verification and complying with the opt-out request, if required.
California affords consumers with the right not to receive discriminatory treatment by a business for the exercise of their privacy rights conferred by the CCPA. This means that you cannot be denied goods or services; be charged different prices or rates; be provided with a different level or quality of goods or services; or have it suggested that you will receive a different price or rate or different level or quality of goods or services. However, a business may offer a financial incentive or price or service difference if it is reasonably related to the value of the consumer’s data. A business shall notify consumers of any financial incentive or price or service difference.
Our general privacy policy is located here: http://www.getrefinancerates.com/privacy-policy/
If you have any questions or concerns regarding your California privacy rights, our general privacy policy or practices, you may contact us via email at [email protected]. , or by mail at 2803 Philadelphia Pike, Suite B #223, Claymont, DE 19703. Further, if you have a disability which interferes with your ability to access this policy, we can make accommodations to present the policy in an alternative format, to assist you. If you would like to receive this information in another format that is accessible to your needs (for example: audio, large print, etc.) please contact us. at
© 2021 www.GetRefinanceRates.com. All rights reserved.
@ 2021 GetRefinanceRates.com. All Right Reserved.
The material in this site is intended to be of general informational use and is not intended to constitute professional advice. All products and services and the scoring featured on this site are selected by our editors at their sole discretion. GetRefinanceRates.com may receive compensation for some links to products and services on this website. Offers may be subject to change without notice.