Guaranteed Rate respects your right to privacy and appreciates your trust in our website and our network. As such, we are committed to maintaining the confidentiality of your personal financial information. We consider safeguarding your financial information a fundamental part of our business philosophy.
Why We Collect Information
We may collect personal information about you from the information you provide to us when you fill out an application or other form on our website. We need to know information about you for us to provide you with the mortgage loan products and services you have requested through Guaranteed Rate’s website. If applying online, that information may include your address, phone number, date of birth, social security number, income, employment, and other personal and financial information necessary to meet Guaranteed Rate’s and/or investor requirements.
We use the information you provide or we collect to process your request for services, products, or information, to facilitate your online activities and to improve our customer service. We may share some of the information we collect about you to third parties, like companies performing services on our behalf, companies providing services or products pursuant to your request, or otherwise as permitted by law. We do not sell your information. We may also release your information to others when we believe, in good faith, that such release is reasonably necessary to (i) comply with law, (ii) protect the rights, property, or safety of Guaranteed Rate or its employees, or (iii) help prevent fraudor other crimes.
Maintaining Your Information
We do not sell any personal information to list brokers, mail-order businesses, or telemarketers. Your information is delivered only to mortgage related bankers, lenders, brokers, loan officers and other mortgage professionals for the purpose of finding you an appropriate solution for your lending needs. Submitting information through our site means you are aware of and consent to have your information shared with Guaranteed Rate’s lending partners and financial services providers for possible contact and marketing activities. Guaranteed Rate’s website contain links to other sites that were deemed helpful. Guaranteed Rate is not responsible for the privacy practices or the content of such web sites. You do not have to take any action or instruct us to keep your information confidential. We will protect your privacy automatically. If you terminate your relationship with our Guaranteed Rate, we will continue to adhere to the information policies and practices described in this policy.
We restrict access to the information obtained from our web site and web pages to our employees and only those parties needed to process your information, but Guaranteed Rate reserves the right to share your information with other parties with whom we work, including, but not limited to, insurance and other business affiliates of Guaranteed Rate, title companies, appraisers, and mortgage professionals. We may log all activity on the website and we periodically review that activity to determine the use of the site and will report malicious and or inappropriate activity to the appropriate law enforcement authorities. We maintain physical, electronic, and procedural safeguards designed to protect your personal information.
The website will be using the AES256 support built into the .net framework. We also use the RSA public/private key (2048 bit) support in .net to encrypt/decrypt the key used in our calls to AES256. Furthermore, we are using SSL to encrypt all transmissions to/from our servers which ensures Up to 256-bit encryption with 128-bit minimum enables strong encryption for site visitors. This software is meant to protect your privacy.
We may use small text files called cookies in order to improve your overall experience. A cookie is a piece of electronic data stored on your hard drive containing information about you. Cookies generally do not permit us to personally identify you.
Updating Your Information
You have the right to access, correct and delete inaccuracies in your personal information and privacy preferences at any time. You may also access and correct your personal information by writing Guaranteed Rate at the below address.
Agreement and Contact
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing to the following:
- That you agree to have read and accepted the Terms and Conditions and agree to do business electronically with Guaranteed Rate.
- To receive important notices, and other communications at any telephone number or email address (including a mobile device) you entered so that Guaranteed Rate can contact you. This authorization removes any previous registration(s) on a federal or state Do-Not-Call (DNC) registry or any internal opt-out/unsubscribe requests you may have previously requested with Guaranteed Rate.
- That Guaranteed Rate or one of its third party associates may use an automatic dialing system in connection with calls made to any telephone number you entered, even if it is a cellular phone number or other service for which the called person(s) could be charged for such call.
If you have any questions, concerns or complaints about the integrity of your account information, or any other aspect of our business operations, please do not hesitate to contact us at:
Guaranteed Rate, Inc.
3940 N. Ravenswood
Chicago, IL 60613