Gramm-Leach-Bliley Privacy Notice

What We Do

DEFINITIONS

OTHER IMPORTANT INFORMATION: All Statements about Federal Law mentioned above reference U.S. Federal Law.

California: If you are a resident of California, we will not share your personal information we collect about you with non-Affiliated companies, except as permitted by law. For example, we may share information with your consent or to service your mortgage loan. We will limit sharing with our affiliates to the extent required by California law. For more information about your California Privacy Choices, please visit our California Privacy Policy.

Information we collect (Guaranteed Rate, Inc. d/b/a Rate and Rate Insurance, LLC (d/b/a Rate Insurance Agency,LLC in CA (CA License 0K09890, MI, MN, ND, NY, TX) only.

We may collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly, or indirectly, with a particular consumer or device (“personal information”). In particular, we may have collected the following categories of personal information from consumers since January 1, 2020, the effective date of the California Consumer Privacy Act of 2018.

Personal information does not include:

• Publicly available information from government records.
• Deidentified or aggregated consumer information.
• Information excluded from the California Consumer Protection Act of 2018's CCPA) scope, like:
  
  • health or medical information covered by the Health Insurance Portability and Accountability Act of 196 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
  • personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach- Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

Additional information concerning your rights under the CCPA, including how ot request that we do not sel your information, can be found at https://www.rate.com/privacy. You may also contact us by calling at (866) 934-7283 or emailing privacy@rate.com.

Vermont: If you are a resident of Vermont, we will not disclose information about your credit worthiness to our affiliates and will not disclose your personal information, financial information, credit report or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information about our privacy policies can be found at https://www.rate.com/online-and-mobile-privacy-notice or call us at 866-934-7283.

TEXAS RESIDENTS
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

North Dakota: If you are a resident of Northa Dakota, we will not share personal information we collect about you with non-affiliated companies or persons, except as permitted by law. For example, we may share information with your consent or for the exchange of necessary customer credit information between us and other financial institutions or customer reporting agency, in the regular course of business. To opt-in to sharing, please contact us at 866-934-7283.

For Nevada Residents Only: This notice is provided to you pursuant to your state law. If you prefer not to receive marketing calls from Guaranteed Rate, Inc., follow the directions in the section “To limit our sharing” to be placed on the Guaranteed Rate Do Not Call list. Nevada law requires that we also provide you with the following contact information: Office of the Nevada Attorney General, 100 North Carson Street, Carson City, NV 89701; telephone: 1-775-684-1100; email: aginquiries@ag.nv.gov.

Information Sharing Options, Guaranteed Rate: Calling us: 866-934-7283**

• Emailing us at privacy@rate.com
  
• Sending us a letter to:
  Guaranteed Rate
  Attn: Compliance Officer
  3940 N. Ravenswood
  Chicago, IL 60613
  

Important information about phone calls, texts, prerecorded and email messages: If, at any time, you provide to Guaranteed Rate, Inc., Guaranteed Rate Insurance, their Affiliates or designees, contact numbers that are wireless telephone number(s) including, but not limited cell, mobile or VoIP numbers, you are consenting to Guaranteed Rate, Inc., Guaranteed Rate Insurance using an automated dialing system to call or text you, or to send you pre-recorded messages, in order to service, and collect on, any Guaranteed Rate, Inc., Guaranteed Rate Insurance personal account(s) or business account (s) (for which you are an authorized signer, guarantor or designated contact person) but not to market to you. For any type of phone calls with Guaranteed Rate, Inc., Guaranteed Rate Insurance, you consent that the call may be monitored or recorded for quality control and training purposes. By providing your email address, you consent to receive electronic mail from Guaranteed Rate, Inc.