Privacy Policy

1. Our Commitment to Privacy

At 1RATE, Inc. ("1RATE", "we", "us"), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and share information when you visit www.1rate.com.

2. Information We Collect

We collect two types of information:

• Personal Information: Information you voluntarily provide to us, such as your name, email address, phone number, property address, income estimates, and credit score estimates when you fill out a form or survey on our Site.

• Non-Personal Information: Information automatically collected when you visit our Site, such as your IP address, browser type, operating system, and browsing behavior (pages viewed, time spent on site).

• SMS Opt-In Data: We collect your phone number and record your explicit consent to receive SMS messages when you manually check the consent box on our website forms.

3. How We Use Your Information

We use the information we collect to:

• Process your request for a mortgage rate quote or consultation.

• Verify your identity and eligibility for loan programs.

• Communicate with you via phone, email, or text (SMS/MMS) regarding your inquiry, application, or appointment.

• Improve our website functionality and customer service.

• Comply with legal and regulatory requirements (including Maryland, Virginia, and DC mortgage regulations).

4. Information Sharing and Disclosure

We do not sell your personal information to third parties. We may share your information only in the following strictly limited circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating our website or conducting our core business (e.g., credit reporting agencies, CRM software), provided they agree to keep this information confidential and secure.

• Legal Compliance: When required by law, subpoena, or to protect the rights, property, or safety of 1RATE, Inc., our users, or others.

• SMS Data Protection: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories of data sharing exclude text messaging originator opt-in data and consent; this information will never be sold or shared with any third parties for their marketing efforts.

5. Security of Your Information

1RATE takes strong steps to safeguard your personal and sensitive information through industry-standard physical, electronic, and operational policies. We use Secure Socket Layer (SSL) encryption technology to protect data transmitted to and from our Site. However, no data transmission over the Internet can be guaranteed to be 100% secure.

6. Cookies and Tracking Technologies

We use "cookies" and similar technologies to enhance your experience and analyze site traffic. A cookie is a small file stored on your computer that allows us to recognize you when you return to our Site. You may choose to disable cookies through your browser settings, but this may limit your ability to use certain features of our Site.

7. Third-Party Links

Our Site may contain links to other websites (e.g., NMLS Consumer Access, social media platforms). We are not responsible for the privacy practices or content of these third-party sites. We encourage you to read the privacy policies of any linked websites you visit.

8. Children’s Privacy

Our Site is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. Your continued use of the Site after any changes indicates your acceptance of the new Privacy Policy.

10. Your User Rights You have the right to request access to the personal information we hold about you, request corrections to any inaccurate data, or request the deletion of your data. To exercise these rights, please contact us at [email protected].

11. Contact Us

If you have questions about this Privacy Policy, please contact us:

1RATE, Inc.

NMLS #1948084

12123 Heritage Park Circle

Silver Spring, MD 20906

Phone: (240) 292-1490

Email: [email protected]