Plain English Summary
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 information we collect, the right to delete your information, the right to correct inaccurate information, and the right to opt out of the sale or sharing of your personal information.
Scope of This Notice
This California Privacy Notice supplements our Privacy Policy and applies solely to California residents. It describes how RatesQ collects, uses, shares, and protects personal information as defined under the California Consumer Privacy Act of 2018 and the California Privacy Rights Act of 2020 (collectively, "CCPA/CPRA").
Categories of Personal Information Collected
In the past 12 months, RatesQ has collected the following categories of personal information:
| Category | Examples | Collected? |
|---|---|---|
| Identifiers | Name, email address, IP address, account ID | Yes |
| Personal records information | Account information, preferences | Yes |
| Protected classifications | None directly collected | No |
| Commercial information | Subscription history, marketplace activity | Yes |
| Internet/network activity | Pages viewed, links clicked, session data | Yes |
| Geolocation data | Approximate location from IP address | Yes |
| Professional information | NMLS license info for partners | Yes |
| Inferences/profiles | Inferences about mortgage preferences | Yes |
| Sensitive personal information | Financial account data (via payment processor only); we do not collect SSNs, full account numbers, or credit reports directly | No |
Sensitive Personal Information
We Do Not Collect Sensitive Financial Documents
RatesQ does not collect Social Security Numbers, tax returns, full bank account numbers, credit reports, W-2s, or complete loan application documents. Do not submit these through the Platform.
Purposes for Collection
- Operating and improving the Platform
- Facilitating connections between borrowers and mortgage professionals
- Processing partner subscriptions and payments
- Sending transactional and marketing communications (where consented)
- Analytics and Platform performance measurement
- Detecting and preventing fraud and abuse
- Legal compliance and dispute resolution
Categories of Third Parties
- Cloud hosting and infrastructure providers
- Email and communication service providers
- Payment processors (Stripe)
- Analytics providers (e.g., Google Analytics)
- Advertising and marketing service providers acting on our behalf
- Customer support tools
- Legal and compliance service providers
Your California Privacy Rights
Right to Know
You may request disclosure of the categories and specific pieces of personal information we have collected about you in the past 12 months.
Right to Delete
You may request deletion of personal information we have collected from you, subject to certain exceptions.
Right to Correct
You may request correction of inaccurate personal information we maintain about you.
Right to Opt Out
We do not currently sell or share personal information. If this changes, you may opt out of sale or sharing for cross-context behavioral advertising. See our Do Not Sell page.
Right to Limit Sensitive PI
You may request that we limit our use of sensitive personal information to purposes necessary for providing our services.
Right to Non-Discrimination
We will not discriminate against you for exercising your CCPA/CPRA rights.
How to Submit a Request
To exercise your California privacy rights, submit a request through one of the following methods:
- Email: [email protected] with the subject "California Privacy Request" (for access, deletion, or other privacy rights)
- Support Center: ratesq.com/support (choose "Other" and describe your privacy request)
- Do Not Sell page: ratesq.com/do-not-sell
We will verify your identity before fulfilling any request. We aim to respond within 45 days, with one possible 45-day extension for complex requests. We may deny requests that cannot be verified or that fall within permitted exceptions.
Shine the Light
Under California Civil Code Section 1798.83 ("Shine the Light" law), California residents may request certain information about disclosure of personal information to third parties for direct marketing purposes. RatesQ does not sell personal information to third parties for their direct marketing purposes. To make a Shine the Light request, contact [email protected].
Do Not Sell or Share
California residents may opt out of the "sale" or "sharing" of their personal information as those terms are defined under CCPA/CPRA. RatesQ does not currently sell or share personal information, including through analytics. If that changes, we will update this notice before it takes effect and honor opt-out requests and GPC signals. See our Do Not Sell or Share My Personal Information page to exercise this right.
We honor Global Privacy Control signals. See 'Analytics and Cookies' in our Privacy Policy.
Legal Center | RatesQ LLC
Questions about this document? Contact us at [email protected] or submit a ticket through the RatesQ support center.