Privacy Policy

1. Introduction

Welcome to mortgage-rates-today.org (“Mortgage Rates Today,” “we,” “our,” or “us”). We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website, mortgage-rates-today.org (the “Site”), use our services, or interact with our online tools and features.

By using our Site, you agree to this Privacy Policy and our Terms of Use. If you do not agree, please do not access or use our Site.

This Privacy Policy applies to all users of mortgage-rates-today.org, including visitors seeking to compare mortgage, refinance, FHA, VA, or other home loan programs.

2. Information We Collect

We collect both personal and non-personal information to connect you with participating lenders, enhance your experience, and operate our services effectively.

a. Information You Provide Directly

You may provide personal information when you:

  • Complete a form or request a mortgage rate comparison
  • Subscribe to updates, newsletters, or rate alerts
  • Communicate with us by email or through the Site
  • Participate in promotions, surveys, or educational tools

This information may include:

  • Full name, email address, and phone number
  • Property address or area of interest
  • Estimated loan amount, income range, or credit profile
  • Homeownership status or purchase intent
  • Any other data you choose to share voluntarily

b. Information Collected Automatically

When you visit our Site, we automatically collect certain data using cookies, analytics tools, and similar technologies. This may include:

  • IP address and general geographic location
  • Browser type, device information, and operating system
  • Date, time, and duration of visits
  • Pages viewed and navigation paths
  • Referring URLs or search keywords

This data helps us analyze site performance, improve user experience, and ensure our tools function properly.

c. Information from Third Parties

We may receive limited information from our marketing partners, advertising platforms, or affiliates that refer you to our Site. This information is used only to verify referral sources or optimize user experience.

3. How We Use Your Information

We use the information we collect for the following purposes:

  • To match you with participating lenders or mortgage professionals
  • To display relevant loan programs, rates, or products
  • To improve our Site, services, and content
  • To communicate with you about your inquiries or provide updates
  • To detect, prevent, or address fraud and security issues
  • To comply with applicable laws and regulations

We may also use aggregated, anonymized data for analytical, marketing, and reporting purposes that do not personally identify you.

4. How We Share Your Information

We may share your information with:

  • Participating lenders and affiliates: When you complete a rate comparison or request loan information, we share your details with lenders or partners who can provide mortgage options that match your criteria.
  • Service providers: We may work with vendors who help us operate our Site, process information, host databases, manage customer communications, or provide analytics and advertising support.
  • Legal and compliance purposes: We may disclose information as required by law, subpoena, court order, or government request, or to protect our legal rights or prevent harm.

We do not sell personal information for monetary gain. However, certain data sharing with lender partners may qualify as “sharing” or “selling” under some state privacy laws, such as the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

5. Cookies, Analytics, and Tracking

We use cookies and similar technologies to enhance your browsing experience and personalize the content you see. Cookies allow us to:

  • Recognize returning visitors
  • Save your preferences and settings
  • Measure and improve the performance of our Site
  • Deliver relevant ads and remarketing campaigns

You can adjust your browser settings to block or delete cookies, though this may limit certain features of the Site. We may also use analytics tools to better understand visitor behavior and improve our services, but we do not collect personally identifiable information through analytics tracking.

6. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. When no longer needed, your data is securely deleted, anonymized, or archived in compliance with industry standards.

7. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

  • Access: Request access to the personal information we hold about you.
  • Correction: Request correction of inaccurate or incomplete information.
  • Deletion: Request deletion of your personal information, subject to legal obligations.
  • Opt-out: Opt out of data sharing or “sale” under applicable state laws.
  • Restriction: Request limitations on how we use or share your data.

To exercise these rights, contact us at [email protected] with the subject line “Privacy Request.” We will verify your identity before fulfilling your request, as required by law.

8. California Consumer Rights (CCPA/CPRA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

  • The right to know what categories of personal information we collect, disclose, or share
  • The right to request deletion of your personal data
  • The right to opt out of data sharing or selling practices
  • The right to non-discrimination for exercising your privacy rights

To submit a California privacy request, please contact [email protected] or mail your request to our listed address. We will respond within the timeframes required by applicable law.

9. Data Security

We maintain reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, misuse, or disclosure. These measures include:

  • Data encryption and secure connections (SSL/TLS)
  • Restricted access to personal data
  • Secure data storage and transmission practices

While we take every precaution, no system can guarantee absolute security. You are responsible for protecting your personal login information and for using secure internet connections when accessing our Site.

10. Third-Party Links and Websites

Our Site may contain links to third-party websites, including participating lender or partner sites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any website you visit before sharing personal information.

11. Children’s Privacy

Our Site is intended for adults and is not directed toward children under 18 years of age. We do not knowingly collect or store personal information from minors. If we learn that we have inadvertently collected data from a child, we will promptly delete it from our systems.

12. International Users

Our Site and servers are operated within the United States. If you access our Site from outside the U.S., please note that your information may be transferred to, processed, and stored in the United States, where privacy laws may differ from those in your country.

13. Policy Updates

We may update this Privacy Policy periodically to reflect changes in technology, regulations, or our business practices. Updates will be posted on this page with a new Effective Date. Continued use of the Site after updates indicates acceptance of the revised Policy.

14. Contact Us

If you have any questions, concerns, or privacy requests, please contact us:

Mortgage Rates Today

Website: www.mortgage-rates-today.org

Email: [email protected]