Privacy Policy

Effective Date January 1, 2020

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”) use of your
personal information in accordance with this Privacy Policy.

Applicability and Third Party websites and 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

Personal Information Collected

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

“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

“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

“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 acquire from a
third party 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 by third party advertisers and
networks. We have no responsibility or liability for the policies and
practices of these parties.

“Web technology information” is information we automatically collect from you
when you visit our Website. This includes internet protocol (IP) addresses,
browser type, internet service provider (ISP), referring/exit pages, operating
system, date/time stamp, and/or clickstream data. This information is
collected from the use of cookies, Web beacons or JavaScript.

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

How we may use and share the information that we collect:

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.  Additionally, 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.

How you may opt-out of certain data collection

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

Cookies and Other Technology

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 can be
used for various purposes, including to help us improve our Site, services and
marketing communications.

Targeted Ads and Analytics Services

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.

What choices do you have regarding collection of your information?

  • ProvidingInformation. You can choose not to provide us with your
    personally identifiable information. Note, however, that you may not have
    access to certain of our products and services if you decide not to provide
    us with your information.
  • Opting Out of Our Promotional Emails. You may opt-out of receiving
    marketing and promotional emails from us at any time by using the opt-out
    mechanism contained in such emails (also referred to as “unsubscribe”), or
    by submitting your request to Please allow 10 business days for us to process your opt-out request.
    Also, note that opting out of receiving promotional email communications
    will affect only future communications from us. If we already provided your
    information to a third party before you changed your preferences or updated
    your information, you may have to change your preferences directly with that
    third party as well.
  • Declining Cookies. If you do not want to accept our cookies, you can
    adjust your browser settings to decline cookies. You should note, however,
    that certain areas of the Site may not operate properly if you decide not to
    accept cookies.
  • NAI Opt-Out. Some third-party advertising companies we use may
    collect information about you through cookies and other technologies in
    connection with their behavioral advertising programs. For information on
    opting out from behavioral advertising practices, please refer to the
    Targeted Ads and Analytics Services section above.

Children’s Privacy

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.

Updates to this Privacy Policy

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.

Personal Information Transferred to the U.S.

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.

CALIFORNIA RESIDENTS- Your California Rights

The California Consumer Protection Act has granted specific rights and
remedies.  To review all California Privacy Rights and Remedies please click

Contact Us

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

Attn: Compliance Department 6424 E. Greenway Parkway, Suite #118
Scottsdale, AZ 85254