LAST UPDATED: June 17, 2020

RecentRates, sometimes referred to as “RVNU LLC”, “RecentRates.com,” or “we,” is dedicated to taking security measures to protect your privacy online. The following outlines the steps we’ve taken to ensure that RecentRates.com is a secure website, and also provides you with details on how we treat, share, and manage the personal information you may submit to us.

Collection and Use of Information

RecentRates will collect and utilize personal information about you to respond to your request for products and services offered through its website. This information could be used to notify you about products, services, and other opportunities we think would be of interest to you. Even though personal information we collected from you may be publicly available (via government records or available via widely distributed media), we will treat all personal information submitted by you as non-public. The information we collect on this website includes but is not limited to 1) full name, 2) email address, 3) physical address, 4) telephone number, 5) personal financial details, and when appropriate, 6) your social security number. Such information submitted by you will be in connection with your inquiry about financial products or services such as mortgage loans, personal loans, credit cards, or other financial products.

RecentRates may also collect demographic information, which is information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other sources for tracking purposes. Like other websites, we also automatically receive and record certain types of information every time you visit us. We use “cookies” and the other information to enhance your experience and present you with personalized offers. Likewise, we sometimes use third-party advertising companies to serve and track advertisements appearing on our website. These companies may employ cookies and action tags to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.

The security of your personal information is important to us. When you enter sensitive information (such as credit card number and/or social security number) on our financial inquiry forms, we encrypt that information using secure socket layer technology (SSL).

Information Sharing and Disclosure

We do not share personal information about you with non-affiliated companies except to provide you with details and opportunities in connection with the product or services you personally request, or under the following circumstances:

Financial Products or Service Requests



If you submit a request for a loan product or service offered through this website we will share the personal information contained in your request form, such as your full name, physical address, telephone number, property location and self-assessed value, and social security number, with lenders in our provider network strictly to process and fulfill your request. All partners in our provider network, which include banks, mortgage lenders and brokers, credit card companies, personal loan companies, or other financial businesses are required to comply with federal and state privacy regulations. The lenders may contact you by telephone, email, SMS/text messages, or physical mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission (or any state equivalent Do Not Call List), or have previously opted-out of receiving email or SMS messages. If you wish not to be contacted again by a partner with respect to your inquiry, you should make a specific request to that partner via one or more of the following ways: 1) specific request over the telephone to be placed on the partner’s Do Not Call list, 2) unsubscribe directly from a partner email, or 3) reply STOP to any text or SMS message you receive from a partner. If the lender disregards your request and contacts you again, please let us know immediately by sending an email compliance@recentrates.com. Please note that the partners may maintain the information you provided whether you elect to use their services or not.

Vendors – We sometimes disclose the information we collect to companies that host certain services for us such as marketing distribution services on our behalf. These vendors only have access to personal information needed to perform their functions, and may not share it with others or use it for any other purpose. These companies are subject to confidentiality agreements with us and other legal restrictions that prohibit them from using the information except to market the specified RecentRates products or services.

As Permitted by Law – We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of RecentRate’s Terms of Use, or as otherwise required by law. Business Transfer – As with any other business, it is possible that in the future, RecentRates could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by RecentRates, including customer personal information, but would continue to be bound by this Privacy Policy unless you consent otherwise.

Advertisements

On occasion, you may receive advertisements for RecentRates from third parties. For instance, when visiting a third-party website, you may receive a display ad promoting RecentRates.com. Please note that such advertisements are served by the third-party website that you have visited and are not controlled by RecentRates.com. In addition, such advertisements may be placed by third party ad servers or ad networks. We maintain relationships with a number of the third-party ad networks currently operating. You may find more information at the website of either the individual ad network or the Network Advertising Initiative.

Communications Policy

You will not receive RecentRates emails, SMS messages, or telephone calls (“Communications”) unless you submit your submit such information to RecentRates.com and provide your consent to receive them. Additionally, you may also receive communications advertising RecentRates from third-party publishers. We have established a firm compliance policy for dealing with any third party email services to ensure that advertisements for RecentRates comply with all local, state, and federal laws, which also ensures that our service is advertised to only to those individuals who have given their permission to the third party email service to receive the Communications. If you want to stop receiving Communications from a third party, you should follow the opt-out instructions included in the third-party Communication. By way of example, an UNSUBSCRIBE link should appear within or at the top or bottom of the email you received. However, if for any reason it does not work, please bring that to our attention by emailing us at compliance@recentrates.com.

Cookies and IP Addresses

To serve you faster and with better quality, we use “cookies” technology. Cookies are small bits of code, usually stored on a user’s computer hard drive, which enable a Website to “personalize” itself for each user. RecentRates generally uses cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or “click-stream”) data collected by us is used to optimize your experience by learning whether or not you successfully used RecenRates. Cookies are not tied to your personal information. Additionally, we may capture click-stream data on some of our partner’s websites, limited to the activity involved with the completion of offers listed on our website. This information is used to monitor the performance of our partners.
We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

Third Party Cookies

Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of cookies by RecentRates.com only and does not cover the use of cookies by any advertisers.

Clear Gifs & Pixels

We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs) that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users’ personally identifiable information. We also use clear gifs in our HTML-based emails to let us know which emails the recipients have opened. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If users would like to opt-out of these emails, please see the Opt-out section within any email you receive from us or unsubscribe.

Confidentiality and Security

The security of your personal information is very important to RecentRates and we take a number of steps to safeguard it. For example: 1. We limit access to personal information to those employees or agents who assist us in providing requested products and services to you. Employees are required to comply with our strict policies and procedures regarding the handling of your personal information. Employees who violate these policies are subject to our normal disciplinary process. 2. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard personal information about you. 3. We use industry standard data encryption technologies when transferring and receiving consumer data on the RecentRates.com website. 4. We have partnered with VeriSign to protect against the loss, misuse or alteration of information that we collect from you. Opting-Out

You may register to receive communications from us directly on our website or through a third party. Upon registering, we will periodically send you newsletters and other e-mails featuring special and exclusive offers, promotions and other members-only benefits. If you no longer wish to receive these communications, please let us know by sending an email to support@recentrates.com (also, you may also opt-out by clicking on the unsubscribe link in our emails). Our email database is updated continually. However, you may continue to receive email communications from us up to ten business days from the time we receive your unsubscribe request. Please note that RecentRates can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications. Also, please note that if you enter into a transaction through our website, we may send you a thank you notice, ask for a satisfaction rating, request a testimonial and give you periodic product reminders as part of your service.

Third Party Links

This Privacy Policy applies to all information that you provide us. However, when you visit websites to which RecentRates provides a link, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third-party site, the data collected by the third party is governed by that third party’s Privacy Policy and Terms of Use. A third-party site will have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.

If RecentRates receives personal information from a third party that is not in conjunction with a service offered on our site, the use and disclosure of such information is governed by the agreement (if any) between RecentRates and such third party.

Third Party Cookies

Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of cookies only by RecentRates.com and does not cover the use of cookies by any advertisers.

Supplemental Information

In order to provide certain services to you, we may on occasion supplement the personal information you submitted to us with information from third party sources. For example, we may use address verification services such as TargusInfo, iLeads, or Infutor to verify your identity, address, for quality data validation only. We may also enhance your profile by purchasing marketing data from third parties and add it to our existing user database, to better target our advertising and to provide pertinent offers in which we think you would be interested. To enrich our records of individual customers, we tie this information to the personally identifiable information they have provided to us.

Framing

In some cases, we may use third party service providers to operate portions of the RecentRates.com website. Although the particular section of the website may have a similar appearance as the rest of the pages on RecentRates.com, information submitted through these outside third parties are subject to this Privacy Policy unless otherwise stated.

Children’s Privacy

You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, please discontinue using this website and our services immediately.

Privacy Policy Changes

RecentRates reserves the right to update or modify this Privacy Policy from time to time, with or without prior notice to you. If there are material changes regarding how we will use your personal information, we will post such changes here. If you do not agree with the changes to how your information will be used, please do not continue to use this website.

By using this site, you signify your consent to the RecentRates Privacy Policy. If you do not agree to this policy, please cease using the website and services immediately. Please check this Privacy Policy each time you use our website to ensure you are aware of any changes in our privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Policy.

Legal Disclaimer

This website operates “AS-IS” and “AS-AVAILABLE,” without warranties of any other kind. We are not responsible for events beyond our direct control. This Privacy Policy is governed by the laws of the State of California, excluding conflicts of law principles.

Questions & Contact Information

If you have any questions or comments about this Privacy Policy, the services provided by RecentRates, or its contents, please contact us at support@recentrates.com.

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