July 12, 2021
Rate Plus, Inc. values your business and the trust you put in us for your financing needs. As such protecting your confidential information is a priority. Our policies and procedures protect the confidentiality and security of the information we collect about you as a customer, potential customer or former customer. We have adopted the following policies and procedures to safeguard the personal information about you.
Rate Plus, Inc. does not sell or rent customer information. We share customer information with certain employees and with companies providing services on our behalf in order to service your needs.
Our policy is to require all employees and companies providing services on our behalf to keep customer information confidential.
This policy applies to future customers as well as current and/or former customers.
Safeguarding Information Rate Plus, Inc. has adopted policies and procedures designed to protect your personal information from unauthorized use or disclosure.
We have implemented physical, electronic and procedural safeguards to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, virus prevention and use detection software.
We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate.
Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing or developing our products or services.
Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personal information about the consumers and customers we serve or have served in the past.
Information Collected About You
We collect information about you to help us serve your financial needs, to provide you with quality products and services and to fulfill legal and regulatory requirements. We consider non-public information about you in our possession to be personal information, even if you cease to be a customer. The personal information we collect about you may include among other things:
Identifying information, such as your name, age, address, phone number and social security number and employment information.
Financial information such as your income, assets and liabilities, as well as information about your savings, investments, insurance and business.
Rate Plus, Inc. does not alter its behavior or change its services upon receiving Do Not Track requests.
Typically, we collect this information on applications and other forms you complete, through conversations you may have with our loan originators and processors, with our other representatives, and in some cases, over our website. We may also collect information from a wide range of other sources in order to process and/or underwrite your loan. These sources may include among others, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies.
If you apply for a loan we may collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications and other forms;
- Information about your transactions with us, our affiliates, or others; and
- Information we receive from a consumer reporting agency.
Our web site may use “cookies” to measure site activity and to customize information to fit your preferences. Cookies enable the site to remember who you are. We do not record personal or sensitive information in our cookies.
Definition of Cookies
A “cookie” is a small piece of information sent by a web server to a web browser enabling the browser to remember specific bits of information. The information stored within a cookie can be read only by the web server that originally sent the cookie.
Types of Cookies
The two types of cookies are session cookies and persistent cookies. The key difference between session cookies and persistent cookies is the time of expiration. Session cookies expire at the end of the session and Persistent cookies do not expire at the end of the session.
How You Can Control Cookies
If you wish not to accept cookies and prevent Rate Plus, Inc. from tracking your visits across multiple websites, you can configure your browser to reject all cookies, or notify you when a cookie is set. Most browsers give you an ability to control and block cookies. If you block cookies on your browser, certain features on our website may not work.
We take your online privacy serious and you can be assured that any information provided by you will be kept confidential. When Rate Plus, Inc. makes any material changes to this policy, we make them immediately available to you on this website.
We share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day to day operations of our company in the administration, processing, servicing and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personal information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.
Note: If we have already provided your information to a third party as part of your loan application then you may have to change your preferences directly with that third party.
Our Do Not Call policy states that you may instruct us not to call you for marketing purposes by informing us at 800-572-2320 or visiting www.rateplus.com.
Our employees are trained through Policies and Procedures to take action on your instructions within 15 days. Please note that we may still need to contact you for legitimate business reasons such as servicing of your loan or other non-marketing purposes. If you do not want us to send you postal mail for marketing purposes, you may remove your name from current and future mailing lists by contacting us at 800-572-2320 or visiting www.rateplus.com.
Rate Plus, Inc.
18012 Cowan, Suite 200
Irvine, CA 92614
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