Legal info

Privacy Policy Ratestop

Effective Date: January 1, 2026

⚠ This is a legally operative document, not marketing copy. Bracketed items are placeholders, not real facts — this draft should go to legal/compliance review before publishing, not straight to the site. Misstating data collection or sharing practices in a privacy policy carries real regulatory exposure (FTC, state AGs, and private rights of action in states like California).

This RateStop Privacy Policy (“Privacy Policy”) describes how RateStop processes information collected through our website and applications (including mobile), or through your other online interactions with us (collectively, our “Services”).

In some circumstances, we may provide additional or supplemental privacy notices where they apply to you because of the products or services you obtain from us, or because of laws specific to your state. See “Additional Information Regarding Your State Privacy Rights” below.

By using our Services, you acknowledge the privacy practices described in this Privacy Policy.

Who We Are

When we say “RateStop,” “we,” or “us,” we mean [LEGAL ENTITY NAME, e.g. “RateStop, LLC”] [IF APPLICABLE: and its affiliated companies, [LIST AFFILIATE NAMES], which are controlled by or share common ownership with RateStop]. This policy does not apply to any affiliate or partner company that is not part of the RateStop family of companies; the data practices of those companies are governed by their own privacy policies. [PLACEHOLDER EXAMPLE, IF APPLICABLE: e.g., a referral partner such as [PARTNER NAME] is a separate company and is not covered by this policy.]

[IF RATESTOP IS A STANDALONE ENTITY WITH NO AFFILIATES: this section can be shortened to a single sentence confirming RateStop operates as a single entity and does not share data with sister companies.]

Information We Collect

Information You Provide

We collect information you provide directly to us — for example, when you create an account, fill out a form, are referred to us through a partner relationship, communicate with us via chat or third-party platforms, participate in a survey or promotion, request customer support, or otherwise contact us.

The specific information we collect depends on context, and may include:

Name
Email address
Postal address
Phone number
Social Security number
Location and approximate value of your property
Age and/or date of birth
Demographic information, such as race, ethnicity, and gender, gathered pursuant to federal fair lending requirements
Loan products or services you’ve used with us in the past
Financial information, such as income, assets, and net worth
Homeownership and employment status
Insurance information
[ANY ADDITIONAL CATEGORY SPECIFIC TO RATESTOP’S ACTUAL FORMS]

Information We Automatically Collect

We collect information you provide to us. For example, we collect information from you when you create a Rocket account; fill out a form or otherwise submit content through our Services; are referred to us via one of our third-party professional partner relationships; make a purchase; communicate with us via third-party platforms; participate in a contest, promotion or survey; request customer support or information about our Services; use the chat function on our Services; or otherwise communicate with us.

The specific information we collect depends on the context in which you provide it, and could include:

Name
Email address
Postal address
Phone number
Social security numbe
Location and approximate value of your property
Age and/or date of birth
Demographic information, such as race, ethnicity and gender gathered pursuant to federal requirements
Related loan products or services you have used in the past
Financial information, such as income, assets and net worth
Home ownership status and employment status
Insurance information
Other profile data, including your interests and preferences
Any other information you provide

Information We Collect From Other Sources

When you use our Services, we may automatically collect certain information through cookies, web beacons, and similar technologies, including:

IP address
Browser type and device information
Pages viewed, links clicked, and time spent on our Services
Approximate location derived from your IP address
[ANY ADDITIONAL TECHNOLOGY-SPECIFIC DATA — e.g., session recording, heatmaps]

For more information about our use of cookies, see [COOKIE POLICY LINK, IF SEPARATE FROM THIS POLICY].

Information We Derive

We may generate additional information about you by combining the information described above. For example, we may generate [PLACEHOLDER: e.g., credit risk assessments, eligibility estimates, marketing segments] based on the information we collect.

Data Partners

We may work with data partners who provide us with additional information to [PLACEHOLDER PURPOSE: e.g., verify your identity, supplement application information, prevent fraud]. These partners may include: [PLACEHOLDER LIST OF PARTNER NAMES OR CATEGORIES].

How We Use Your Information

We may disclose personal information to:

Lending or investor partners involved in processing your loan
Credit reporting agencies, as required for evaluating applications
Service providers who perform business functions on our behalf, under contractual confidentiality obligations
Government or regulatory bodies, where required by law
[ANY ADDITIONAL DISCLOSURE CATEGORY SPECIFIC TO RATESTOP]

We do not sell personal information for monetary consideration. [CONFIRM: if RateStop shares data for cross-context behavioral advertising, this may still constitute a “sale” or “share” under certain state laws (e.g., California) — confirm with legal before publishing this line as-is.]

How We Share Your Information

We may disclose personal information to:

Lending or investor partners involved in processing your loan
Credit reporting agencies, as required for evaluating applications
Service providers who perform business functions on our behalf, under contractual confidentiality obligations
Government or regulatory bodies, where required by law
[ANY ADDITIONAL DISCLOSURE CATEGORY SPECIFIC TO RATESTOP]

Sharing With Affiliates

[IF RATESTOP HAS AFFILIATES:] We may share personal information among RateStop and its affiliated companies for purposes such as [PLACEHOLDER: providing services, marketing, fraud prevention]. [IF RATESTOP IS STANDALONE: this subsection does not apply and can be removed.]

Sharing With Other Third Parties

We may share your information with third parties, including:

Lending and investor partners
Credit reporting agencies
Service providers who perform functions on our behalf (e.g., [PLACEHOLDER: payment processing, customer support tools, data hosting])
Marketing partners, where applicable
[ANY ADDITIONAL CATEGORY SPECIFIC TO RATESTOP]

Communications

We may use your contact information to send you [PLACEHOLDER: transactional messages, service updates, marketing emails, SMS, or phone calls] about our Services. You may opt out of marketing communications at any time by [PLACEHOLDER MECHANISM: e.g., clicking “unsubscribe,” updating account preferences, or contacting us directly].

Advertising, Analytics

We use analytics and advertising tools, such as [PLACEHOLDER: e.g., Google Analytics, Meta Pixel, other ad networks], to understand how visitors use our Services and to deliver relevant advertising. These tools may collect information such as browsing behavior, device information, and interactions with our Services. You can manage your advertising preferences by [PLACEHOLDER: browser settings, an opt-out tool, or industry opt-out pages such as the Digital Advertising Alliance’s WebChoices tool].

Children's Privacy

Our Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will take steps to delete that information.

California Shine the Light

California residents may request information, once per calendar year, about our disclosure (if any) of personal information to third parties for those third parties’ own direct marketing purposes.

[PLACEHOLDER — pick the applicable statement:]

Option A: RateStop does not disclose personal information to third parties for their own direct marketing purposes.
Option B: RateStop may disclose personal information to third parties for their own direct marketing purposes. To request details, contact us using the information in the “Contact Information” section below.

Processing of Information in the United States and Other Countries

RateStop processes information primarily in the United States. [IF APPLICABLE: information may also be processed in [PLACEHOLDER COUNTRY/REGION] through our use of [PLACEHOLDER VENDOR/SERVICE, e.g., cloud hosting providers]. Where information is transferred internationally, we take steps designed to ensure it receives an adequate level of protection.]

Your Choices

You have certain choices regarding your information, including the ability to:

Opt out of marketing communications by [PLACEHOLDER MECHANISM]
Manage cookie preferences via [PLACEHOLDER TOOL/BANNER]
Request access to, correction of, or deletion of your personal information by contacting us using the information in the “Contact Information” section below
[ANY ADDITIONAL CHOICE MECHANISM SPECIFIC TO RATESTOP]

Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect the personal information we collect. No method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page along with a revised effective date. Continued use of our Services after changes take effect constitutes acceptance of the updated policy.

Contact Information

RateStop [MAILING ADDRESS] Phone: (888) 818-1088 Email: rod@ratestop.com

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