Privacy Policy

Effective Date: July 1st, 2025

Website: https://www.mortgage-rates.ai

At mortgage-rates.ai (“we,” “us,” or “our”), we are committed to protecting your privacy and handling your information in a transparent and secure way. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website.

1. Information We Collect

We collect the following types of information:

•  Personal Data (only if you choose to provide it):
        - Your name and email address when you contact us
        - Any other information you voluntarily submit  
•  Non-Personal Data (collected automatically):
        - IP address
        - Browser type and version
        - Pages visited
        - Time spent on pages
        - Referring URL  

We do not collect sensitive personal information or financial data.

2. How We Use Your Information

We may use your information to:

•  Operate and maintain the website
•  Respond to inquiries
•  Monitor website performance and improve user experience
•  Comply with legal obligations

We do not sell or rent your personal information.

3. Cookies and Tracking Technologies

We may use cookies and similar technologies to:

•  Analyze traffic and usage trends
•  Save user preferences

You can adjust your browser settings to refuse cookies or alert you when cookies are being used. However, some parts of the site may not function properly without cookies.

4. Legal Basis for Processing (EU Users)

Under the General Data Protection Regulation (GDPR), we process your personal data only when:

•  You have given consent
•  It is necessary to perform a contract with you
•  It is required to comply with a legal obligation
•  It is in our legitimate interest and does not override your rights

5. Your Rights

For EU/EEA Residents (under GDPR):

•  Access the personal data we hold about you
•  Request correction or deletion of your data
•  Object to or restrict processing
•  Data portability
•  Withdraw consent at any time

For California Residents (under CCPA):

•  Know what personal data we collect
•  Request deletion of your data
•  Opt out of data sales (we do not sell data)

To exercise any of these rights, contact us at contact@mortgage-rates.ai.com.

6. Data Retention

We retain personal data only for as long as necessary to fulfill the purposes for which it was collected, unless a longer retention period is required by law.

7. Third-Party Services

We may use third-party tools (e.g., Google Analytics) to help us understand website usage. These third parties may collect data via cookies but do not receive personally identifiable information unless you explicitly provide it.

8. Data Security

We use reasonable administrative, technical, and physical measures to protect your personal information. However, no method of transmission over the Internet is 100% secure.

9. International Transfers

If you are accessing this Website from outside the United States, be aware that your data may be transferred to, stored, and processed in the U.S. We take appropriate safeguards to protect your data in accordance with applicable law.

10. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Any changes will be posted on this page with an updated “Effective Date.”

11. Contact Us

If you have any questions about this Privacy Policy or your data rights, please contact us at:
contact@mortgage-rates.ai.com