Who We Are and What We Do
EZRateQuotes, LLC. ("Company" or "we" or "our"), owns and operates the website
located at www.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
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 writing to Customer Service Department, EZRateQuotes, LLC., 2298 Wayside Lane, Hayward, CA 94545
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
former customers, nor do we share this type of information with anyone other
and are not intended to be exclusive.
Site and participating in the Service, you agree to accept the terms of our
do not use the Site or participate in the Service.
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
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.
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
You can send mail to the following postal address:
2298 Wayside Lane
Hayward, CA 94545
Please note that participation in certain activities on our web site may be
limited if personally identifiable information is not submitted for the user.
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
over these cookies.
that are tied to personally identifiable information, namely your IP address.
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.
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)
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
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
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.
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 ofcompanies: 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
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
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
We will not share consumer credit reports with our affiliates without your
We will only disclose your name, contact information and our own transaction
and experience information to other financial institutions with which we have
Otherwise, we will share information in accordance with all of the practices
Using the following information, you can contact us if you have questions about
2298 Wayside Lane
Hayward, CA 94545
resolved in the following manner.
Complaints regarding the use of collected data are directed to the customer
service representative for resolution.