Privacy and Security with ERATE

Privacy Statement

Information Collection and Use

ERATE collects personal information from consumers which is transmitted to LendingTree via Rakuten. ERATE receives a commission for that.
Additionally on the ERATE rate charts you are able to search for certain types of financing and loan amounts. When you do such a search and then click a lender's name our affiliate Informa Research collects such info in order to properly track commissions for ERATE and charges to lenders

Who we are

https://www.erate.com/about-erate

Security

In order to guard against the unauthorized access and use of information, our site features Secured Socket Layer (SSL) technology supported with digital certificates provided by CloudFlare, Inc. SSL encrypts all information you input before it is sent to us.

CloudFlare, Inc.

ERATE takes every precaution to protect our users' information. When you submit sensitive information via the website, your information is protected both online and off-line.

When our loan application asks users to enter sensitive information that information is encrypted and is protected with the best encryption software in the industry - Secured Socket Layer (SSL) technology supported with digital certificates provided by CloudFlare, Inc. While on a secure page, such as our loan application, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when you are just 'surfing'. To learn more about SSL, follow this link While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our loan coordinator) are granted access to personally identifiable information. Our employees must use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to your information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers' information is protected.

If you have any questions about the security at our website, you can send an email to [email protected]

Cookies

A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We do use session cookies on this site within the secure loan application. A session ID cookie expires when you close your browser or after a period of inactivity while visiting our site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site. We use session cookies to maintain your session during the loan application process. If your browser is set to decline cookies you may still use our site.

Third party vendors, including Google, show our ads on sites on the internet.
Third party vendors, including Google, use cookies to serve ads based on a user's prior visits to our website.
Users may opt out of Google's use of cookies by visiting the Google advertising opt-out page. To opt out of third party vendors.

Log Files

We use IP addresses to analyze trends, administer the site, track user's movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

Links

This web site contains links to other sites. Please be aware that ERATE is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. The ERATE privacy statement applies solely to information collected by the ERATE website.

Legal Disclaimer

We may disclose personal information when required by law or in the good-faith belief that such action is necessary in order to conform to the edicts of the law or comply with a legal process served on our Web site.

Notification of Changes

If we decide to change our privacy policy or security precautions, we will post a notification on our homepage so our users are always aware of what information we collect, how we use it, and to whom we share it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

If you have questions or concerns about our Privacy Policy, you should contact Jeff Howard, CEO by mailing a letter to ERATE Privacy Policy, Attn. Jeff Howard, 4701 Patrick Henry Dr, BLDG 16, Suite 100, Santa Clara, CA 95054 or send an email to [email protected].