Privacy Policy

This Privacy Policy ("Policy") is established and provided to you by RateGenius, Inc. and its subsidiaries and affiliates, including those operating under the trade name "rateGenius." These entities are collectively referred to herein as "rateGenius" or "we," "our," or "us." This Policy applies to information collected through this website and otherwise. We want you to understand what information we collect about you, how we use it, and the safeguards we have to protect it. By accessing this website and using our services, you consent to this Policy including the collection, transfer, manipulation, disclosure, storage and other use of your information as described below. If you have questions or concerns regarding this Policy, you should call us toll-free at 866-728-3436.

Information We Collect

We might receive and collect, the following information about you while you use our services: your name, email, phone number(s), address, social security number, credit card number, date of birth, employer information, income figures, current loan/credit information, and vehicle information ("Information"). You may provide this Information when you go through our loan application process; sign up for other products or services through rateGenius; when you provide Information to us through a third-party application, service or website; when you communicate with us regarding our services through email or other means; or when you participate in any of our marketing initiatives.

Use of Collected Information

In general, RateGenius uses Information to provide the products and services you requested; provide you customer support; research and analyze other products and services that may save you money offered by rateGenius or others; to communicate with you via telephone, mobile devices, email or postal mail about products or services; to deliver relevant advertising; to analyze the effectiveness of rateGenius advertising and other campaigns; and to otherwise conduct our business. In addition, we may disclose the information we collect as described above to companies that perform marketing services on our behalf, with which we have joint marketing agreements, or with which we have other agreements that among other things require the safeguarding of your Information.

Links within the rateGenius site may take you to third party sites that are governed by their own privacy policies. When you use links to visit these sites, rateGenius' privacy policies are no longer valid.

With Whom do we Share Your Information

rateGenius and Affiliates: We may share your Information with rateGenius subsidiaries and affiliates. These subsidiaries and affiliated adhere to this Privacy Policy.

Lenders: Once you have submitted an application, rateGenius will begin the process of finding you the best possible interest rate from our lender base of over 200 financial institutions. Your Information is not sent to each lender in our network for review. Instead, your credit profile and needs are matched to the borrower profile established by our lenders and sent to those lenders first. By submitting an application to rateGenius, you consent to the use of your credit report for the purpose of obtaining a credit offer from one of our participating lenders.

To Comply with the Law: We may disclose Information we collect if we determine in our sole discretion that such disclosure is necessary to comply with the law, including disclosure to law enforcement agencies and other government agencies and disclosure responsive to subpoenas. We also may disclosure information we collect if we deem it necessary to protect the rights, property, or safety of the rateGenius, our customers or others.

To Third-Parties: We may disclose your information to third parties vendors that provide services to rateGenius to process your information for purposes of reviewing your loan application. Also, rateGenius may disclose your Information to third parties that are interested in contacting you or providing offers to you that may be related to our products and services or about products or services you may find of interest, and we may be compensated for such disclosure.

You can, at any time opt-out of our ability to share Information with unaffiliated third-parties that do not provide services to rateGenius for processing your loan application by contacting customer service at 866-728-3436.

The Use of Cookies

rateGenius uses cookies to store a unique user identifier (i.e. your user name). A cookie is a small data file that contains information such as a user ID. The data is written to your hard drive and is accessed each time you visit the site. Although, the only personal information a cookie can record is information you supply yourself, rateGenius uses this ID to identify you anonymously in our database. The cookie is also required to reach certain parts of the rateGenius site and is used to personalize the site for you. A cookie cannot read data off your hard disk or read other cookie files created by other sites that you visit.

Description of rateGenius

RateGenius is headquartered in Austin, Texas, and is licensed as a registered lender with the Texas Office of Consumer Credit Commissioner and is a proud member of the Better Business Bureau. All lenders in the rateGenius network are well established FDIC-insured banks, thrifts or licensed lenders.

Protecting Your Personal Information

Protecting your privacy is important to us. We restrict access to non-public personally identifiable information about you to our employees and agents who need to know the information to provide products or services to you. We maintain physical, electronic, and procedural protections that comply with federal and state laws to safeguard your personal information. Because we recognize the importance of privacy where children are involved, we do not knowingly collect information from children.

Choices Regarding the Collection, Use and Distribution of Your Information

It is important to remember that you have absolute control over the amount of personal information collected on this site. When you click on "Save" at each step in the process, you affirmatively consent to rateGenius' collection of Information for the application process.

As rateGenius continues to develop, it may sell or purchase other companies and/or assets. In such transactions, customer information is generally included in the transfer of business assets. In the unlikely event that rateGenius or substantially all of its assets are acquired, customer information will be one of the transferred assets.

Amendments

RateGenius reserves the right, at any time, to add to, change, update, or modify this Privacy Policy by posting such change, update, or modification on the website. Any such change, update or modification will be effective immediately upon posting to this site.