California privacy policy

Last Updated: May 19, 2025

This California Privacy Policy supplements the MortgageRateListings.com

Privacy Policy and applies only to California residents, as required by the California Consumer Privacy Act ("CCPA"). It describes the rights of California consumers regarding their personal information and explains how we collect, use, disclose, and protect that information.

A. Personal Information We Collect and ShareWe collect the following categories of personal information, which may be shared with service providers or third parties for business or commercial purposes:Identifiers: Name, email, phone number, IP address, unique identifiers.Sensitive Personal Information: Estimated credit score, mortgage balance, or financial info shared voluntarily in forms.Protected Classification Characteristics: Age or gender (if voluntarily provided).Commercial Information: Mortgage product preferences, rate requests.Internet Activity: Browsing behavior on our site.Geolocation Data: Approximate location based on IP.Professional Information: Employment or self-employment status if provided.Inferences: Preferences or characteristics derived from user activity.We do not knowingly collect or sell the personal information of children under 16 years of age.

B. Sources of InformationWe collect information from the following sources:Directly from you (via forms, calculators, or email inquiries).Automatically from your device (via cookies and analytics tools).From third parties (e.g., marketing partners, lead providers, data brokers).

C. Purposes for Collection and UseWe use personal information for the following:To connect you with mortgage lenders and rate information.To personalize your browsing experience.For customer support and service delivery.For analytics, site improvements, and security monitoring.To comply with legal requirements and prevent fraud.

D. Disclosure for Business PurposesWe may share personal information with:Service providers (e.g., analytics, hosting, marketing).Advertising and analytics partners.Lenders and mortgage partners (with your consent).Government authorities as required by law.

E. Your CCPA RightsAs a California resident, you have the following rights:Right to Know: Request details about the personal information we’ve collected, disclosed, or shared.Right to Delete: Ask us to delete personal information we’ve collected.Right to Correct: Request correction of inaccurate information.Right to Opt-Out: Direct us not to "sell" or "share" your personal information for targeted advertising.Right to Limit Use of Sensitive Information: Restrict use of sensitive personal data.Right to Non-Discrimination: You won’t be penalized for exercising your privacy rights.

F. Data RetentionWe retain your information only as long as necessary to provide our services, comply with laws, resolve disputes, and enforce agreements. When no longer needed, we will securely delete or anonymize your data.

G. Submitting a RequestTo exercise your CCPA rights, you may:Email us at: privacy@mortgageratelistings.com with the subject "CCPA Request". Visit our [Privacy Preferences page] (if available).We may need to verify your identity before fulfilling your request. Please include your name, email, and details of your request in your submission.

H. Authorized Agents: You may designate an authorized agent to make a request on your behalf. We may require signed documentation or direct confirmation to verify your authorization.

I. Cookies and Tracking: MortgageRateListings.com uses cookies and tracking tools for site functionality, analytics, and advertising. These tools may allow third parties to collect personal information for targeted advertising, which may be considered a "sale" under the CCPA. You can manage your cookie preferences through browser settings or our cookie management tool (where applicable).

J. Changes to This Policy: We may update this California Privacy Policy from time to time. Material changes will be communicated via the website or email.

Contact:privacy@mortgageratelistings.com
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