Privacy Policy

Introduction

Better Offers Inc., doing business as Refinancerate.com ("we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

By using Refinancerate.com, you consent to the data practices described in this policy. If you do not agree with this policy, please do not use our website or services.

Information We Collect

Personal Information You Provide

When you use our services, we may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address, and ZIP code
• Financial Information: Current loan balance, property value, current interest rate, credit score range, loan purpose, property type
• Communication Data: Any information you provide when contacting us or subscribing to our newsletter

Information Automatically Collected

When you visit our website, we automatically collect certain information about your device and browsing activity:

• Usage Data: Pages visited, time spent on pages, links clicked, search queries
• Device Information: IP address, browser type, operating system, device identifiers
• Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience

How We Use Your Information

We use the information we collect for the following purposes:

• Lead Generation and Quote Requests: To process your refinance quote requests and connect you with licensed lenders
• Rate Alerts and Newsletters: To send you weekly mortgage rate updates and refinancing tips (if you've subscribed)
• Customer Service: To respond to your inquiries and provide support
• Website Improvement: To analyze site usage and improve our content, calculators, and user experience
• Marketing and Communications: To send you relevant offers, educational content, and updates about our services
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Fraud Prevention: To detect and prevent fraudulent activity and protect the security of our services

How We Share Your Information

We may share your information in the following circumstances:

With Lender Partners

When you submit a quote request, we share your information with licensed mortgage lenders and brokers in our network who may contact you with loan offers. These lenders are independent entities with their own privacy policies.

With Service Providers

We work with third-party service providers who help us operate our website and deliver our services, including:

• Email service providers (for newsletters and transactional emails)
• Analytics providers (to understand site usage)
• Hosting and infrastructure providers
• Customer relationship management (CRM) platforms

For Legal Reasons

We may disclose your information if required by law, court order, or government regulation, or if we believe disclosure is necessary to:

• Comply with legal obligations
• Protect our rights, property, or safety
• Prevent fraud or abuse
• Respond to a government request

Business Transfers

If Better Offers Inc. is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our website of any change in ownership.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and personalize content. Cookies are small data files stored on your device.

Types of Cookies We Use

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Used to deliver relevant ads and track campaign performance
• Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our website.

California Privacy Rights (CCPA)

If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA):

• Right to Know: You can request information about the personal data we've collected about you in the past 12 months
• Right to Delete: You can request that we delete your personal information (subject to certain exceptions)
• Right to Opt-Out: You can opt out of the sale of your personal information (we do not sell personal information for monetary value)
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights

To exercise these rights, contact us at mccoy@betteroffers.com. We will verify your identity before processing your request.

Categories of Personal Information We Collect

Under the CCPA, we collect the following categories of personal information:

• Identifiers (name, email, phone, IP address)
• Commercial information (quote requests, property details)
• Internet activity (browsing history, interactions with our website)
• Geolocation data (ZIP code, city, state)
• Inferences (preferences, interests based on your activity)

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

• Quote Requests: Retained for 7 years to comply with financial services regulations
• Newsletter Subscriptions: Retained until you unsubscribe or request deletion
• Website Analytics: Anonymized and retained for up to 26 months
• Customer Service Records: Retained for 3 years for quality assurance

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security audits and vulnerability assessments
• Access controls and authentication requirements
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Third-Party Links

Our website may contain links to third-party websites, including lender partner sites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the "Last Updated" date at the top of this page. Material changes will be communicated via email to newsletter subscribers or through a prominent notice on our website.

Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: