Privacy Policy

Effective Date: 11/4/2016

This privacy policy applies to http://rate-watch.org operated by Rate-watch. This privacy policy describes how Rate-watch.org collects and uses the personal information you provide on our web site: http://rate-watch.org. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact us.

FACTS	WHAT DOES Rate-Watch.org DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Contact Information such as name and email address
Unique Identifiers such as user name, account number, password
Demographic information such as age, and zip code.
Social Security number
Employment information
Account balances
Transaction history
Credit history
Assets

We use this information to:

Administer your account
Respond to customer service requests
Provide the financial services you requested
Respond to your questions and concerns
Improve our Web site and marketing efforts
Conduct research and analysis

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Rate-Watch.org chooses to share; and whether you can limit this sharing. We will share your personal information with third parties only in the ways that are described in this privacy policy. We may be compensated by third parties for providing them with your personal information.

Reasons we can share your personal information	Does Rate-Watch.org share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), as required by law, such as to respond to court orders and legal investigations, or report to credit bureaus and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request. If Rate-Watch.org is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.	Yes	No
Service Providers – we may provide your personal information to companies that provide services to help us with our business activities such as shipping your order or offering customer service. These companies are authorized to use your personal information only as necessary to provide these services to us.	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

To limit our sharing	Call us at (888) 686-4040 Please note: We can begin sharing your information immediately however, you can contact us at any time to limit our sharing.
Questions?	Contact us on the contact information listed below: Rate-Watch 4719 Viewridge Ave San Diego, CA 92123 info@rate-watch.org

Who we are
Who is providing this notice?	Rate-Watch

What we do
How does Rate-Watch.org protect my personal information?	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. When you enter sensitive information (such as Social Security number) and any personal information on our Site, we encrypt the transmission of that information using secure socket layer technology (SSL). We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at info@rate-watch.org.
How does Rate-Watch.org collect my personal information?	We collect your personal information, for example, when you Open an account with us or give us your account information Provide employment info or provide account information Give us your contact info We may also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates' everyday business purposes — information about your creditworthiness Affiliates from using your information to market to you Sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See Other Important Information section.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to you alone unless you tell us otherwise.
Cookies and Tracking Technologies	Technologies such as: cookies, beacons, tags and scripts are used by Rate-Watch.org and our marketing partners, affiliates, or online analytics service providers. These technologies are used in analyzing trends, administering the site, tracking users' movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. We use cookies to remember users' settings and prior visitations to the site. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.
Log Files	As is true of most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We do not link this automatically collected data to other information we collect about you. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you, marketing, analytics, and site functionality.
Behavioral Targeting	We may partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by contacting us at info@rate-watch.org. Notwithstanding any other provision, we may also engage other third party partners for the purpose of recognizing users and delivering to them interest-based content and advertisements. We may share information about you with our partners such as your name, postal address, email, device ID, or other identifier in encrypted, hashed or de-identified form. Our partners also may collect information from you, such as your IP address and information about your browser or operating system; may combine our personal and non-personal offline information about you with information from other partners in data sharing cooperatives in which we participate; and may place or recognize a unique cookie on your browser. These cookies contain no personally identifiable information; they may contain demographic or other data in de-identified form. To opt-out of third party cookies, please go to Digital Advertising Alliance's consumer choice page.
Local Storage Objects	We may use Local Storage Objects (LSOs) such as HTML5 or Flash to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5 or Flash to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs. To manage Flash LSOs please click here: Settings manager
How can I correct, update and delete my personal information?	If your personal information changes, or if you no longer desire our service, you may correct, update, amend, delete/remove, by making the change on our member information page or by emailing our Customer Support at info@rate-watch.org.
Data retention	We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Changes To This Policy	We may update this privacy policy to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Definitions
Affiliates	Companies or related by common ownership or control. They can be financial and nonfinancial companies. sdflc.org, San Diego Financial Literacy Center
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. We share with non affiliates in the categories of credit counseling agencies and other financial service providers, insurance companies, mortgage providers and broker/dealers.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We currently have no joint marketing partners however we may in the future.

Other important information	See below for additional state-specific disclosures.
Links to 3rd Party Sites	Our Site includes links to other Web sites whose privacy practices may differ from those of Rate-Watch.org. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any Web site you visit.
Social Media Widgets	Our Web site includes Social Media Features, such as the Facebook Like button and Widgets, such as the Share This button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.
Single Sign-On	You can log in to some areas of our site using sign-in services such as Facebook Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate our sign up form. Services like Facebook Connect give you the option to post information about your activities on this Web site to your profile page to share with others within your network.
Newsletter	Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or you can contact us at info@rate-watch.org
Blog	Our Web site offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at info@rate-watch.org. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
Public Profiles	The profile you create on our site will be publically accessible unless otherwise indicated. You may change the privacy settings of your profile through your account portal or you can contact us at info@rate-watch.org.

FOR CALIFORNIA RESIDENTS:In accordance with California law, we will not share information we collect about you with non affiliates, except as allowed by law. For example, we may share information with your consent or to service your accounts. Among our affiliates, we will limit information sharing to the extent required by California law. You can also limit our sharing for joint marketing with other financial institutions. See the accompanying "Important Privacy Choices for Consumers — Additional Rights for California Residents."
FOR NEVADA RESIDENTS:We are providing you this notice pursuant to state law. You may be placed on our internal "do not call" list by calling 888-686-4040. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555E. Washington St. — Suite 3900, Las Vegas, NV89101; 702 4863132 — BCPINFO@ag.state.nv.us.
FOR VERMONT RESIDENTS: In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts. We will not share information about your credit worthiness with our affiliates without your authorization or consent but we may share information about our transactions or experiences with your with our affiliates without your consent.