Privacy Policy

Effective Date: October 2025

Rate My Mortgage (“Company”, “we”, “us”, or “our”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect information when you visit www.ratemymortgage.co (the “Website”) or interact with us in other ways, including through phone, email, or online forms.

By using our Website, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue use of the Website.

1. Information We Collect

Information You Provide

We may collect personal information you voluntarily provide, including:

• Name, address, phone number, and email address
• Financial information such as income, assets, and liabilities
• Employment details
• Any information submitted through Website forms, calls, chats, or AI-powered interactions

Information from Other Sources

We may collect information from external sources such as:

• Social media platforms, if you log in or connect through them
• Third-party data providers, credit reporting agencies, or verification services

Automatic Information

When you visit our Website, we may automatically collect:

• IP address and browser type
• Device type, operating system, and referral URLs
• Date, time, and pages visited

This is done through cookies and similar tracking technologies.

2. Cookies and Tracking Technologies

We use cookies and web beacons (pixel tags) to:

• Recognize your browser or device
• Analyze Website traffic and performance
• Improve functionality and personalize content
• Measure and optimize marketing campaigns

You can adjust your browser settings to refuse cookies, though some parts of the Website may not function properly.

We may also use third-party cookies (such as Google Ads or Facebook Pixel) for targeted advertising and analytics. These may track users across websites. You can opt out of certain ad tracking using your browser or tools like optout.networkadvertising.org.

3. How We Use Information

We may use your personal and anonymous information to:

• Process and fulfill loan or rate requests
• Respond to inquiries or customer support messages
• Verify your identity or eligibility for certain products
• Improve our Website, services, and user experience
• Send marketing or educational materials (with your consent)
• Develop and train internal AI models
• Comply with legal or regulatory obligations

4. How We Share Information

We do not sell your personal information. We may share it only as described below:

• With Primis Mortgage Company (“Primis Mortgage”), a subsidiary of Primis Bank, to whom information you submit through our forms is forwarded so they can review your request and contact you about mortgage products and services
• With service providers that help us operate the Website, verify employment or income, process applications, or provide analytics
• With affiliated companies or partners offering related services (such as real estate or financial products), unless you opt out
• With law enforcement or regulators if required by law or to protect rights, property, or safety
• During corporate transactions such as a merger, sale, or reorganization

We do not share SMS opt-in data with third parties.

All service providers are required to safeguard your information and use it only for the services they perform for us.

5. Your Rights and Choices

You may contact us at any time to:

• Access or correct your personal information
• Request deletion of your information (where legally permitted)
• Opt out of marketing communications

To exercise your rights, email privacy@ratemymortgage.co.

6. How We Protect Your Information

We use physical, technical, and administrative safeguards—such as encryption, secure servers, and limited access controls—to protect your information. However, no system is completely secure, and we cannot guarantee absolute security.

Please avoid sending sensitive personal information through unencrypted channels such as standard email.

7. Links to Third-Party Sites

Our Website may contain links to third-party websites (e.g., social media or partner sites). We are not responsible for their privacy practices. Review their privacy policies before providing personal information.

8. Children’s Privacy

Our Website and services are intended for adults 18 and older. We do not knowingly collect information from anyone under 13. If we learn we have inadvertently collected such data, we will delete it immediately.

9. Updates to This Policy

We may update this Privacy Policy periodically. Updates will be posted here with a new effective date. Continued use of the Website after updates means you accept the revised Policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or your personal data, please contact us:

Rate My Mortgage
Email: privacy@ratemymortgage.co
Website: www.ratemymortgage.co

Optional State-Specific Notices (if applicable)

If Rate My Mortgage operates or markets to residents in California, Nevada, Vermont, or other states with privacy laws, these state-specific rights (such as the CCPA or GLBA exemptions) can be re-included upon request.