Mortgage Research Center LLC, operating as FedCutRates.com (“Company” or “We”), values your privacy and understands the importance of safeguarding your information. Below, we outline our privacy policies and how your data is utilized.
This policy details the types of information we may collect from you or that you may provide when visiting fedcutrates.com (our “Website” or “Site”) and our procedures for collecting, using, maintaining, protecting, and disclosing that information.
This policy applies to data collected:
Through this Website.
In email, text, and other electronic communications between you and this Website.
Through interactions with our advertisements and applications on third-party websites and services, when those applications or advertisements link to this policy.
This policy does not cover data collected:
Offline or through other means, including any other website operated by the Company or a third party (including our affiliates and subsidiaries).
By third parties (including our affiliates and subsidiaries), including through applications, content, or advertisements that may be linked to or accessible from the Website.
We use cookies, web beacons, and other tracking mechanisms to improve website performance, analyze traffic patterns, and tailor your experience. These technologies also help enhance advertising efforts and reduce irrelevant ads.
To learn more about cookies, including how to manage or delete them, visit www.allaboutcookies.org.
We may utilize third-party analytics and tracking tools, such as:
Google Analytics & Google DoubleClick – Tracks site usage and facilitates targeted advertising.
Meta Platforms (Facebook, Instagram, etc.) – Assists in segmenting and analyzing user interactions.
FullStory.com – Records non-sensitive user interactions, such as pages visited, clicks, and mouse movements.
You may opt out of specific tracking and advertising services:
Google DoubleClick Ads: Google Ad Opt-Out
Google Analytics: Google Analytics Opt-Out
FullStory.com Recording: FullStory Opt-Out (Clearing cookies will require reapplying this setting.)
Interest-Based Advertising Opt-Outs:
Once you submit your information, it cannot be retracted. A representative will contact you after submitting a request through our Site or an affiliated site.
Some internet browsers allow users to send “Do Not Track” signals to websites. However, FedCutRates.com does not currently respond to these signals and may continue tracking activity on the Site as outlined in this policy.
Federal and state regulations require us to retain certain loan qualification records for specific time periods. As a result, we may be unable to delete certain submitted information.
By submitting your phone number and requesting more information, you consent to receiving calls or texts from FedCutRates.com. This applies even if your number is on the National Do Not Call Registry.
To request placement on our internal “Do Not Call” list, call us at +9853543742.
FedCutRates.com may also send newsletters, promotional materials, or informational content via email.
To stop receiving such emails, contact info@fedcutrates.net with your request.
This Site is intended for individuals age 18 and older. Children under the age of 13 should not use this Site and are expressly prohibited from using our services.
To protect your information from unauthorized access and use, FedCutRates.com uses physical, electronic, and procedural safeguards. However, no system can be completely secure, and you should not expect that your information will remain protected. Unauthorized entry or use, hardware or software failure, human error, or other factors may compromise the security of your information.
As a consumer, you should always safeguard your personal information and protect yourself from potential identity fraud.
The policies and practices described in this disclosure are subject to change, but we will communicate any such changes to you as required by law. We encourage you to periodically review our privacy policy for any updates.
You may request copies of this privacy policy and the terms and conditions by:
Emailing: info@fedcutrates.net
Mailing a written request to:
Customer Service
FedCutRates.com
info@fedcutrates.net
Calling: +9853543742
Last Updated: 03/01/2024
This Privacy Notice for California Residents supplements the information contained in FedCutRates.com’s Online Privacy Notice and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”).
We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA). Any terms defined in the CCPA have the same meaning when used in this Notice.
We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”).
Personal information does not include:
Publicly available information from government records.
Lawfully obtained, truthful information that is a matter of public concern.
Deidentified or aggregated consumer information.
Information excluded from the CCPA’s scope, such as:
Personal information covered by sector-specific privacy laws, including:
Fair Credit Reporting Act (FCRA)
Gramm-Leach-Bliley Act (GLBA)
California Financial Information Privacy Act (FIPA)
Driver’s Privacy Protection Act of 1994
We do not sell or share the personal information, or the sensitive personal information, that we collect with third parties for cross-context behavioral advertising.
Below are the categories of personal information we collect, the business purposes for which we use them, and whether they are sold or shared.
|
Category |
Business Purpose |
Sold or Shared |
|
Identifiers |
A real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, Social Security number, driver’s license number, passport number, or similar identifiers. |
No |
|
California Customer Records Information |
A name, signature, Social Security number, address, telephone number, passport number, driver’s license or state ID, financial information, medical information, or health insurance information. |
No |
|
Protected Characteristics (CA or federal law) |
Age (40+), race, color, ancestry, national origin, citizenship, religion, marital status, medical condition, disability, sex, gender identity, pregnancy status, sexual orientation, military status. |
No |
|
Commercial Information |
Records of personal property, products or services purchased, or other consumer histories. |
No |
|
Internet Activity |
Browsing history, search history, and interactions with our Site, applications, or advertisements. |
No |
|
Geolocation Data |
Physical location or movements. |
No |
|
Employment Information |
Current or past job history or performance evaluations. |
No |
|
Inferences from Other Personal Information |
Consumer preferences, characteristics, behavior, attitudes, or aptitudes. |
No |
|
Category |
Business Purpose |
Sold or Shared |
|
Government Identifiers |
Social Security, driver’s license, state ID, or passport number. |
No |
|
Complete Account Access Credentials |
Usernames, account numbers, or card numbers combined with security codes or passwords. |
No |
|
Racial or Ethnic Origin |
Compliance with federal and state laws. |
No |
We obtain the personal information categories listed above from various sources, including:
Directly from you – e.g., mortgage applications, forms you complete, or services you request.
Indirectly from you – e.g., observing your interactions with our Site.
From our affiliates – e.g., affiliated mortgage lenders or partners.
From third parties – e.g., lead generators, prior mortgage servicers, or public records.
From service providers and contractors – e.g., analytics tools and fraud detection services.
We store personal information for different periods depending on the category of data and the purpose of collection.
The length and nature of our relationship with you.
Legal obligations (e.g., record-keeping laws for financial transactions).
Legal positions we have taken (e.g., responding to legal claims or regulatory requests).
Rather than deleting data, we may de-identify it by removing identifying details.
As a California resident, you have the right to:
Request Access to Your Data – Obtain details on the categories of personal information collected, sources, business purposes, and third-party disclosures.
Request Deletion – Ask us to delete your personal information, subject to legal retention obligations.
Correct Your Data – Request updates or corrections to your personal information.
Limit Use of Sensitive Personal Information – Opt out of unnecessary processing of sensitive data.
Opt-Out of Data Sharing or Selling – We do not sell personal information, but you can still request confirmation.
To exercise any of these rights, you may:
Submit an online request at fedcutrates.net
Call: +9853543742
Email: info@fedcutrates.net
We collect and use personal information for the following purposes:
To Provide Services - We use your information to offer legal resources, consumer protection updates, and other relevant content.
To Communicate with You - You may receive newsletters, alerts, promotional materials, and other messages related to our services. You can opt-out of these communications anytime by following the unsubscribe instructions.
To Improve the Website - We analyze user activity to enhance the Website experience, such as tracking navigation trends and optimizing content.
For Legal Compliance - If required, we may use your information to comply with legal obligations or protect the rights and safety of users and third parties.
We may collect, use sensitive personal information for the following purposes, provided that such use is reasonably necessary and proportionate:
To fulfill the services you expect based on your request.
To prevent, detect, and investigate security incidents that could compromise the availability, authenticity, integrity, or confidentiality of stored or transmitted personal information.
To protect against malicious, deceptive, fraudulent, or illegal activities and to take legal action against those responsible.
To perform essential business services, including maintaining accounts, providing customer support, verifying customer information, processing payments, and facilitating financing.
To ensure the physical safety of individuals.
For temporary, short-term use, such as displaying non-personalized ads during your current interaction with our business.
To verify, maintain, and improve the quality or safety of a service we own or control.
To comply with law enforcement requests, court orders, or applicable legal and regulatory requirements.
For purposes that do not infer characteristics about you.
We will not collect additional categories of sensitive personal information or use the data for unrelated, materially different, or incompatible purposes without providing prior notice.
No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We do not rent or share your personal information without permission or as described in this policy.
In the past twelve (12) months, Fedcutrates.net has not sold any personal information.
The California Consumer Privacy Act (CCPA) grants California residents specific rights regarding their personal information. This section outlines those rights and explains how to exercise them.
If you are a California resident who is an employee, job applicant, or former employee of Fedcutrates.net, please click here to view our CCPA Notice for Employment Purposes.
You have the right to request details about our collection and use of your personal information over the past 12 months. Upon receiving and verifying your request, we will disclose:
The categories of personal information we have collected.
The sources from which we collected personal information.
The specific pieces of personal information we have collected.
If you request information beyond the 12-month period, we will provide it unless doing so is impossible or requires disproportionate effort. This right applies only to personal information collected on or after January 1, 2022.
You may request the deletion of personal information we have collected, subject to certain exceptions. Upon receiving and verifying your request, we will delete your personal information (and instruct our service providers to do the same) unless an exception applies.
We may deny deletion requests if retaining the information is necessary to:
Complete a transaction, fulfill a service, or maintain our business relationship with you.
Ensure security and integrity in a manner reasonably necessary for these purposes.
Identify and repair product errors.
Exercise free speech or allow another consumer to exercise their rights.
Comply with legal obligations, including the California Electronic Communications Privacy Act.
Conduct public or peer-reviewed scientific, historical, or statistical research in the public interest (if deletion would impair the research and you previously provided informed consent).
Enable internal business uses aligned with your relationship with us.
You have the right to request corrections to any inaccurate personal information we maintain about you. After verifying your request, we will use commercially reasonable efforts to correct the data based on the nature of the information and the purposes for which it is processed.
To request access, data portability, corrections, or deletion, you may:
Call us at: +9853543742
Submit a request online: Fedcutrates.net (copy https://www.refi.com/ccpa-request/)
Only you or someone legally authorized to act on your behalf may submit a request regarding your personal information. You may also make a request on behalf of your minor child.
You may only make two (2) access or data portability requests within a 12-month period. Your request must:
Provide sufficient information to verify your identity (or authority to act on another’s behalf).
Clearly describe your request so we can understand and respond appropriately.
We cannot fulfill your request if we are unable to verify your identity or confirm that the information pertains to you.
Submitting a request does not require creating an account with us. Personal information provided in a request will only be used for verification purposes.
We aim to respond to verifiable requests within 45 days of receipt. If we require more time (up to 90 days), we will notify you of the reason and extension period in writing.
Responses will be delivered via email to the primary email address provided with your request.
Any disclosures will cover the 12-month period preceding the request’s receipt.
If we cannot fulfill your request, we will explain why.
For data portability requests, we will provide your personal information in a readily usable format that allows easy transfer to another entity.
We do not charge a fee for processing requests unless they are excessive, repetitive, or unfounded. If a fee applies, we will provide an estimate before completing your request.
We will not discriminate against you for exercising your rights under the California Consumer Privacy Act (CCPA). Unless permitted by law, we will not:
Deny you access to goods or services.
Charge different prices or rates, including by offering discounts, imposing penalties, or withholding benefits.
Provide a different level or quality of goods or services.
Suggest that you may receive a different price, rate, or level of service based on your choices.
We reserve the right to update this Privacy Notice at any time. Any changes will be posted on our Website, along with an updated effective date. By continuing to use our services after updates are posted, you acknowledge and accept the revised terms.
Whether you have a question, feedback, or just want to say hello, we’d love to hear from you! We appreciate hearing how our site has helped you make informed financial decisions.
You can reach us through the following:
📞 Phone:
📧 Email:
📬 Mailing Address:
Attn Customer Service
fedcutrates.net
1930 W Bennett St., Suite 100 Springfield, MO 65807
At FedCutRates.net, we believe that knowledge is power—especially when it comes to making important financial decisions.