Last Updated: September 17, 2021
We may collect or receive several types of information about you. This information is collected as described below.
The following are situations in which you may provide Your Information to us:
We may collect information about you from sources other than you, such as from social media websites (i.e. Facebook, Twitter, LinkedIn, or others), blogs, other users and our business partners.
We may collect, receive and store information regarding your general use of our Services (such as details of how and when you used our Services, interactions with our Services, log in information, resources that you access, your Internet Protocol (“IP”) address, your browser type, and your device type), as well as your preferences.
In general, personal information you submit to us is used to provide the Services, to respond to requests that you make, and to aid us in serving you better. For example, we use your personal information to provide you with access to certain areas and features of the Services; communicate with you about your account, your use of the Services and any changes to our policies; personalize content, advertisements, and offers as a part of the Services; improve the Services; provide you with marketing materials and promotions of interest; and for other internal business purposes. We reserve the right to freely collect, use and disclose information collected automatically via technology.
When you use our Services through your computer, mobile phone or other device, we may collect information regarding and related to your device, such as hardware models and IDs, device type, operating system version, the request type, the content of your request and basic usage information about your use of our Services, such as date and time and store them in log files. In addition, we may collect information regarding application-level events and associate that with your account to provide customer service. We may also collect and store information locally on your device using mechanisms such as browser web storage and application data caches.
If you enable the collection of location information on your device, then we may collect information about your actual location, such as your mobile device's GPS coordinates. We may also use other technologies to determine your location (such as through the location of nearby Wi-Fi access points or cell towers), or obtain your location information from third parties. If you do not want your device to provide us with location-tracking information, you can disable the GPS or other location-tracking functions on your device, if your device gives you that option.
We may collect your phone number in several ways. For example, we may collect your phone number: (i) if you submit your phone number to us through our Services; (ii) if you submit your phone number to sign up for or facilitate the creation of a personalized account associated with our Services; (iii) by capturing your phone number if you call us; or (iv) if a third party provides your phone number to us.
We use Local Storage Objects (LSOs) such as HTML5 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 HTML5 to collect and store information.
We may disclose Your Information:
If you do not want Your Information shared as described above, then you should not provide us with Your Information.
We may take Your Information and de-identify it either by combining it with information about other individuals (aggregating Your Information with information about other individuals), or by removing characteristics (such as your name) that make the information personally identifiable to you (de-identifying Your Information). We reserve the right to share, loan, rent, sell, or otherwise disclose such information to third parties at any time, for any lawful purpose, without notice or compensation to you.
We may provide you with an opportunity to invite your friends, family and others (“Friends”) to visit our site and use the Services. If you elect to use this referral feature, we will automatically send to your Friend, to the email address you provided, one or more emails or other communications, on your behalf, inviting them to visit or top10mortgagerates.com and our Services. Any such emails to Friends may display your email address. You warrant and represent that you have your Friend’s consent to provide us with their information for this purpose, and that you will not give us referral information for any person not permitted to use top10mortgagerates.com and its Services, including, without limitation a child under the age of 13, a person whose account has previously been suspended or deactivated, or a person residing or located in a territory where use of top10mortgagerates.com and its Services are not authorized.
We offer publicly accessible blogs and other interactive media through our Services. To request removal of Your Information from our blog or community forum, contact us at firstname.lastname@example.org. In some cases, we may not be able to remove Your Information, in which case we will let you know if we are unable to do so and why.
From time to time, we may participate in or use advertising networks, such as third-party advertising servers, advertising agencies, technology vendors and research firms. We may use these third-party advertising networks for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Advertising networks often gather data about consumers who view advertisements to make inferences about a consumer's interests and preferences, which enables their algorithms to deliver advertisements directly targeted to the consumer's specific interests. This practice is often referred to as "online behavioral advertising." For example, a third-party advertising network might collect the type of Internet browser you use, the type of computer operating system you use, the domain name of a website you visit, whether or not you visit specific pages of a website, the location of your Internet service provider's presence, the date and time of a visit to a website and other interactions between you and a website. Please see the "Online Behavioral Advertising" subsection of Your Choices For How We Use and Collect Your Information below to read about how you can prevent certain third-party advertising networks from collecting information about you.
We strive to provide you with choices regarding the use of personal information you provide to us. Below are some mechanisms that provide you with control over certain information:
top10mortgagerates.com is not directed at or promoted for use by children under the age of thirteen (13). We do not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register as users. In the event that we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us at email@example.com.
Our Services are operated in the United States. If you are located outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By using our Services or providing us with Your Information, you consent to this transfer.
If you have questions or concerns about our privacy practices or wish to make a request regarding Your Information, please contact us at firstname.lastname@example.org.
Individuals who are residents of California and have provided their personal information to us may request information regarding our disclosures, if any, of their personal information to third parties for direct marketing purposes. Such requests must be submitted to us at email@example.com or in writing at:
Top 10 Mortgage Rates LLC
151 Calle San Francisco
Suite 200 PMB 5364
San Juan, PR 00901
California privacy rights requests must include the phrase "Request for California Privacy Information" on the subject line and in the body of the message and must include the email address or mailing address, as applicable, for us to send our reply. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified above.