Privacy Policy

Who We Are and What We Do

EZRateQuotes, LLC. (“Company” or “we” or “our”), owns and operates the website located at 4MortgageRateQuotes.com . Through the Site, Company operates a prospective customer data base (the “Service”) , by which it compiles, sorts and sells contact information to businesses on behalf of individual consumers who have shown an interest in applying for a business’ products or services and has affirmatively asked to be contacted by a representative of a product or service business. Company utilizes third party vendors, third party affiliates, and a variety of media advertisements to promote the Site to consumers interested in completing an online form at our and have affirmatively requested receipt of information about product or service offerings offered on Company’s Site.

Company also promotes its product and service offerings via e-mail to consumers who requested that they be contacted either through our online form opt-in process via our Site or through an Opt-In process on one of our many vendor or affiliate sites (List Members). List Members will then receive email or telephone contacts only for so long as they wish to continue to receive such contacts.

List Members can get off our contact lists at any time, no questions asked. You can remove yourself from further contact from Company by clicking on the Opt-Out link contained in each e-mail, or by sending in your Opt-Out request via e-mail to
[email protected] or by writing to Customer Service Department, EZRateQuotes, LLC., 10755 Scripps Poway Parkway #577, San Diego, CA 92131.

Company is not responsible for stopping all unwanted contacts from sources beyond our immediate control.

YOUR PRIVACY IS OUR PRIORITY

We recognize the importance of protecting your personal information. We collect and retain information about you to communicate with you, to process your requests for products and services, and to inform you about other financial services that may be of interest to you. Except as explained here in our Privacy Policy, we do not sell nonpublic personal information about current or former customers, nor do we share this type of information with anyone other than our affiliates. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

Please take a moment to review the terms of our Privacy Policy. By using the Site and participating in the Service, you agree to accept the terms of our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Site or participate in the Service.

MINORS

EZRateQuotes, LLC. does not knowingly collect personally identifiable information from children under 13 years of age.

GENERAL INFORMATION COLLECTION AND USE

EZRateQuotes, LLC. is the sole owner of the information collected on the Site. EZRateQuotes, LLC. collects information through the Site from our prospective and existing clients at several different points on our web sites. If you apply for a loan on our site, we require that you provide certain personally identifiable information, including your name, address, phone number, and email address. This information is necessary to process your application and to contact you.

We use their contact information to send information about our company and to service existing accounts. Users may opt-out of receiving future mailings; see the choice/opt-out section below. Contact and Financial information that is collected is used for verifying your name, address and other information. Information about your computer hardware and software is automatically collected by EZRateQuotes, LLC. and may be shared in aggregate with third parties whose services are used for traffic analysis purposes. This information includes: your IP address, browser type, domain names, access times and referring Web site addresses. This information is not tied to personally identifiable information. This information is used by EZRateQuotes, LLC. to maintain and improve the quality of the service and to generate statistics regarding use of the EZRateQuotes, LLC. site.

CHOICE/OPT-OUT

Our site provides users the opportunity to opt-out of receiving communications from us and our partners.

This site gives users the following options for removing their information from our database to not receive future communications or to no longer receive our service.

• You can send e-mail to [email protected]
• You can send mail to the following postal address:
  EZRateQuotes, LLC.
  10755 Scripps Poway Parkway #577
  San Diego, CA 92131

Please note that participation in certain activities on our web site may be limited if personally identifiable information is not submitted for the user.

COOKIES

A cookie is a piece of data stored on the user’s computer tied to information about the user. For the session ID cookie, once users close the browser, the cookie simply terminates. A persistent cookie is a small text file stored on the user’s hard drive for an extended period of time. Persistent cookies can be removed by following Internet browser help file directions. You can set your browser to notify you to either accept or deny the cookie according to the following information.

• in IE6, see Microsoft’s Internet Explorer Web Privacy page.
• in Netscape 6, see Netscape 6 – Safety with More Control .
• in Opera 5 or 6, see Opera Preferences: Privacy .

Our website uses cookies to enhance our site. Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies.

Because we track referrals from our business partners, our website uses cookies that are tied to personally identifiable information, namely your IP address.

PROFILES

EZRateQuotes, LLC. does not create a user profile.

COMMUNICATION FROM THE SITE

When customers provide us contact information for Website (user participation is voluntary) we use the information to contact the user to deliver sales and product information that will be useful to them.

CORRECTING/UPDATING/DELETING/DEACTIVATING PERSONAL INFORMATION

If a user’s personally identifiable information changes such as zip code, phone, email or postal address they can change online, physical contact, and other information. If a user wishes to correct/update information or no longer desires our service, they can notify us of what they desire by contacting us using any of the information in the Contact section of this policy.

LINKS AND ADVERTISMENTS

Our website contains links to other sites. We do not partner with or have special relationships with any ad server companies. We, EZRateQuotes, LLC., are not responsible for the privacy practices or the content of any other web sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

DATA SECURITY

We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information (such as a credit card number) over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

DISCLOSURE

When you submit your request for information or quote, you are granting permission to be contacted by EZRate Quotes, LLC affiliated third parties. This information will be used to supply you with money saving offers and opportunities.

We cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Agreement. By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances as required by law, third parties may unlawfully intercept or access transmissions or private communications.

In addition, as noted above, if you opt-out of future contact from Company by using the opt-out mechanism provided in each e-mail we send to you on behalf of a third party service provider other than Company, we will provide your email address to the third party service provider so that the third party service provider can add your name and contact information to its own do-not-contact list.

As Company develops, we may buy other businesses or their assets or sell our business assets. Customer information is generally one of the business assets involved in such transactions. Thus, in the event that Company or all of its assets are acquired, customer information, including any visitor information collected through the Site, would be one of the transferred assets.

Finally, Company reserves the right to disclose member information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) Company’s rights or property, other visitors, members, or anyone else that could be harmed by such activities. Company also reserves the right to disclose visitor or member information when we believe in good faith that the law requires it.

SHARING INFORMATION

To provide you with superior service, inform you of product and service opportunities that may be of interest to you, and for other business purposes, we may disclose all of the information we collect, as described above, to the following types of companies: financial service providers, such as mortgage and life insurance agencies, title service companies, auto finance companies and marketing companies.

OUR FORMER CUSTOMERS

We treat information about our former customers in the same manner as we treat information about our current customers.

CONFIDENTIALITY AND SECURITY

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use.

Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.

CHANGES TO THE PRIVACY STATEMENT

The information you submit to us is controlled by the privacy policy in effect at the time you submit it. If we significantly change our policy, we will post a notice in a conspicuous place on our website notifying visitors of policy changes.

FOR VERMONT RESIDENTS

The information-sharing practices described above are in accordance with federal law. Vermont law places additional restrictions on sharing information about Vermont residents, so long as they remain Vermont residents. In accordance with Vermont law:

• We will not share consumer credit reports with our affiliates without your consent, and
• We will only disclose your name, contact information and our own transaction and experience information to other financial institutions with which we have joint-marketing arrangements.

Otherwise, we will share information in accordance with all of the practices described.

CONTACT INFORMATION

Using the following information, you can contact us if you have questions about our privacy policy.

EZRateQuotes, LLC.
10755 Scripps Poway Parkway #577
San Diego, CA 92131

RESOLVING PRIVACY POLICY DISPUTES

If you think we have not followed our privacy policy in some way, it can be resolved in the following manner.

Complaints regarding the use of collected data are directed to the customer service representative for resolution. Customer service can be contacted by sending an email to [email protected]

This Privacy Policy was last updated on 04/20/2007.