Privacy Policy
Overview
We take your privacy seriously. We are committed to protecting the personal information and privacy of our clients.
Privacy (Website Visitors)
Our Online Privacy Statement describes how we collect, protect and use information about you either during your visit to our web site or when you work with Get A Rate as a client. Information We Collect About You during Your Online Visit.
Website Visitors / Users
While browsing our site as a visitor or user, we may collect and store information about your online visit (cookies). This information may include the time and length of your visit, the pages you view on our site, the last site you visited before coming to ours, and the name of your internet service provider.
We use this data to measure site activity, and on an individual basis to make the site more useful and provide information that may be of interest to you.
Security Statement
Encryption
We may use encryption to protect your information as it travels across the Internet. This can help prevent others from eavesdropping on your browser sessions with our Web servers. We use an AES_128_GCM SSL level of encryption on a Linux/Apache 2.2 server hosting environment with Rackspace Hosting, Inc. servicing from their Chicago, IL server. Their corporate headquarters are located in 1 Fanatical Place, City of Windcrest, San Antonio, TX 78218. Get A Rate’s selection process involved extensive research and a vetting process to ensure a high level of security requirements were met prior to picking a vendor.
Firewalls
Our Web site may be protected by firewall technology, which helps prevent your information and our Web site from being improperly accessed. Rackspace Hosting, Inc. provides firewalls, load balancers, network monitoring and auto-migrations for DDos attacks.
General Security
We will utilize the best available technologies and methods in order to ensure your information is safe while traveling through the internet. Additionally, we will never ask you for sensitive information (Social Security Numbers, Dates of Birth, Account Numbers, PIN Codes) through this Site. User access control security measures are provided by WordPress where the system provides permissions once a user signs up and logs in.
Security patch updates are done on a quarterly basis and ad hoc in between each quarter when performing additional work on the site. In addition to the encryption, firewalls and general security measures, malicious code prevention and intrusion detection systems are provided by iThemes Security, which monitors the site for threats 24 hours a day, 7 days a week, 365.25 days a year.
Website Visitor/User Information Sharing
We may at times share your information as a visitor or user of this Site to other third parties. These third parties might either be affiliated companies or within the Get A Rate family of companies. Also, these third parties may be non-affiliated companies. Other third parties may be companies that are acting or performing on our behalf. When selecting service providers or third parties, we take additional steps to review the service providers privacy policy and technology safeguards they have in place to protect your information. Service providers must at least have the same or more secure standards than Get A Rate.
This information sharing may either be done to serve you better, to offer products and services that may be of interest to you, or to help facilitate a service that a third party is going to deliver on our behalf.
Lastly, we may at times receive compensation for sharing this information to third-party companies. This information sharing may be the result of marketing agreements that exist between Get A Rate and third-party non-affiliated marketing partners.
*Please see opt-out details below if you wish to opt out of this policy.
Information Collection and Sharing Practices for Existing Customers
Existing Customer/Previous Users
If you are a Get A Rate customer details about the information we collect and how it may be disclosed is contained in our Privacy Policy Notice, which is mailed to you. This notice includes additional information regarding your privacy choices. We collect information about you when you:
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Apply for a loan
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Inquire about a loan
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Close a loan
We may also collect personal information about you from others. Such as credit bureaus, affiliates, employers, etc.
Information We Share About Our Previous Customers
We may collect and subsequently share personal information about current or previous Get A Rate customers to:
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Run our everyday operations
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Respond quickly to your requests or needs
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Help us communicate with you
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Evaluate your eligibility for additional products and services that may be of interest to you
What We Share
We may share personal information that includes, but is not limited to your:
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Name, address, and other account application information
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Account balances, transactions, and payment history
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Identify information such as your social security number, license number, and date of birth
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Creditworthiness including credit history, credit reports and credit score
With Whom We Share
We disclose some of the information we collect about you to third parties such as credit reporting agencies, regulators, loan investors, lenders, attorneys, closing agents, title companies, flood and hazard insurance companies, and your own creditors. These types of third parties are called non-affiliated third parties. However, this information is only shared in an attempt to serve you and your needs.
We may also share some of this information with companies performing services on our behalf. These types of vendors are called service providers. When selecting service providers, we take additional steps to review the service providers privacy policy and technology safeguards they have in place to protect your information. Service providers must at least have the same or more secure standards than Get A Rate.
We may share information we collect about you with companies with whom we have formal agreements to offer you additional products and services. These types of relationships are called joint marketing partnerships.
Finally, we may share information we collect about you with companies related by common control or otherwise affiliated with Get A Rate. This is to offer you products and services that may be of interest to you. These types of companies are called affiliates.
Benefits of sharing
We need to collect and share information about our customers to help us communicate with you. We also need to do so in order to serve you better and avoid repetition. We also may share customer and former customer information within Get A Rate family of businesses and with valued partners or our employees in order to evaluate eligibility, or to offer and recommend products or services that may be right for you.
Safeguard Policies & Procedures Contact
Get A Rate’s safeguard policies will be reviewed and updated on an annual basis by our authorized officer, Vice President Nick Marenoski, whose contact information is listed below:
Get A Rate
Attn: Nick Marenoski
200 Riverfront Blvd. First Floor
Elmwood Park, NJ 07407
Telephone: 201-393-0200 or 866-955-5655
Email: nick@getarate.com
Customer Information Sharing Choices/Opt-Out
Federal Law
Federal law requires us to tell you how we collect, share, and protect personal information about our customers. While Federal law allows us to share information about you to run our business, to perform services and offer our products, Federal law also gives you the right to limit some, but not all, sharing of your personal information.
Federal law allows you to opt out of our privacy policy or restrict us from sharing information as follows:
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About your creditworthiness with our affiliates
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To all non-affiliates to offer you their products and services
State Laws
State laws may give you additional rights regarding our information sharing.
We share personal information about you as permitted by the law of the state in which you reside and in accordance with federal law. As a Get A Rate customer you received our Privacy Notice/Policy when you became our customer or when you initially became interested in becoming our customer.
You can limit us from sharing your information as permitted by law and as described in our Privacy Policy at any time by informing us of that you choose to Opt Out and by telling us how you do not want your information shared by calling 201-393-0200 and speaking with Nick Marenoski. You may notify us of your choices at any time.
If your past choices have not changed, you only need to tell us one time, as long as you remain a Get A Rate customer.
Customer Data Protection
We are committed to securing personal information and protecting the privacy of our customers. We use security measures that comply with federal law to protect customer information.
Our policy is to treat customer information as we would want our own information treated. We train employees on handling and securing customer data to maintain protection and security. It is the responsibility of every associate, affiliate, and non-affiliate to care for personal information about our customers.
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Some of the steps we take to protect your information is securing all computer terminals with password protections, locking sensitive information in storage, shredding all documentation containing client information, and performing background checks on all employees.
When selecting service providers, we take additional steps to review the service providers privacy policy and technology safeguards they have in place to protect your information. Service providers must at least have the same or more secure standards than Get A Rate.
Correcting Information We are committed to maintaining accurate and up-to-date information on you and all of our customers and web visitors. We may contact you from time to time to verify that we have accurate information for you or to update the information that we have. If you have any questions, please contact Nick Marenoski, VP of operations, at the below address.
How to contact us regarding this site:
U.S. Mail:
Get A Rate LLC
Attn: NickMarenoski
200 Riverfront Blvd. First Floor
Elmwood Park, NJ 07407
Telephone: 201-393-0200 or 866-955-5655
Email: info@getarate.com
Policy Effective Date This Online Privacy Statement is effective December 10, 2010 and shall remain in effect until amended. Get A Rate reserves the right to change and amend this Privacy Statement or to alter any of privacy policy principles at its sole discretion without notice. We will post any alterations to this Privacy Statement on our web site in a timely manner so please check periodically. The privacy statement and policy will be reviewed annually.
Identity Theft / Fraudulent Activities
Identity Theft/Fraud
Identity Theft occurs when someone uses sensitive information, called Personally Identifiable Information (or PII) of another person without their permission to commit fraud or other crimes, such as Account Takeover or Application Fraud. [Account Takeover occurs when an individual acquires another person’s existing credit account information and purchases products and services at the victim’s expense. Application Fraud occurs when an individual uses another’s Social Security Number or other Personally Identifiable Information to open new credit accounts in the victim’s name.]
If you believe you are a victim of Identity Theft, contact the three major credit bureaus to place a fraud alert message on your credit file. When you place a fraud alert on your file, the credit reporting agencies will send you a copy of your credit report at no charge.
Experian (1-888-397-3742)
Equifax (1-800-525-6285)
Trans Union (1-800-680-7289)
Carefully review your credit reports for accounts you did not open, inquiries from creditors you did not initiate, and for personal information (such as home address and social security number) that is not accurate. If you see anything you do not understand or any accounts you did not open, call the credit reporting agency at the telephone number on the report.
If you do not want to place a fraud alert on your credit file, you can still obtain a free copy of your credit report by going to the following website (www.annualcreditreport.com) or by calling them toll-free at 1-877-322-8228. (Hearing impaired consumers can access their TDD service at 1-877-730-4204.)
To learn more about identity theft, visit the Federal Trade Commission’s web site to receive further information and insights about how to protect yourself from identity thieves.
Identity Theft Hotline: 877-438-4338
Web: www.consumer.gov/idtheft
Mail: Identity Theft Clearinghouse
Federal Trade Commission
600 Pennsylvania Ave., N.W.,
Washington, DC 20580