PRIVACY POLICY

Last updated: 2/3/2026

This Privacy Policy explains how FreeRatesUpdate.com ("we," "us," or "our") collects, uses, and shares information when you visit our website or submit information through our forms.

1) Who we are

FreeRatesUpdate.com is a marketing lead generator and information service. We are not a lender and do not make credit decisions. If you request information, we may connect you with participating third‑party mortgage professionals or lenders.

2) Information we collect

A) Information you provide to us

When you fill out a form, we may collect:

• Name
• Email address
• Phone number
• Property state or location (if provided)
• Loan purpose (purchase/refinance/cash‑out/HELOC, etc.)
• Any notes you submit

Please do not submit sensitive personal information (such as Social Security number, date of birth, or bank account numbers) through our website forms.

B) Information collected automatically

When you browse the site, we may automatically collect:

• IP address
• Device and browser type
• Pages viewed and time spent
• Referring/exit pages
• General location (approximate, from IP)

This information is generally collected through cookies or similar technologies.

3) How we use your information

We use your information to:

• Respond to your request and contact you (by phone, text, or email)
• Match or share your request with participating mortgage professionals/lenders (when applicable)
• Provide customer support and improve the website
• Prevent fraud, abuse, or security issues
• Comply with legal obligations

4) How we share your information

We may share information:

• With participating mortgage professionals/lenders to help respond to your request
• With service providers that help us operate the website (hosting, analytics, form processing, etc.)
• For legal or safety reasons if required by law or to protect rights and security
• In a business transfer (e.g., merger, acquisition, or asset sale)

We do not sell your personal information in the traditional sense, but some data sharing may be considered “selling” or “sharing” under certain state privacy laws depending on how tracking/advertising is configured.

5) Text messages, calls, and email (consent)

If you provide your phone number, you agree we (and/or participating mortgage professionals/lenders) may contact you at that number regarding your inquiry, including via call or text message (including automated technology where permitted by law). Message and data rates may apply. Consent is not a condition of purchase.

6) Cookies and tracking

We may use cookies and similar technologies to:

• Remember preferences
• Measure traffic and performance
• Improve user experience
• Measure advertising performance and reach (when enabled)

Advertising & Meta Pixel

We may use advertising and analytics tools that help us understand traffic and measure marketing performance. For example, we may use the Meta Pixel (and related Meta technologies) to:

• Measure and improve ad performance
• Understand actions taken on our website after clicking an ad
• Create audiences for advertising (for example, remarketing)

These tools may use cookies or similar technologies and may collect information such as pages visited, links clicked, your IP address, and device/browser information. Meta may use this information in accordance with its own policies.

You can control cookies through your browser settings. Disabling cookies may affect site functionality. You may also adjust ad preferences through your Meta/Facebook/Instagram settings and related industry opt‑out tools where available.

7) Data retention

We retain your information as long as reasonably necessary to respond to your request, operate the site, comply with legal obligations, and resolve disputes.

8) Security

We use reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission or storage is 100% secure.

9) Your privacy rights

Depending on where you live, you may have rights to request access to, deletion of, or correction of your personal information, and to opt out of certain sharing/targeted advertising (where applicable).

10) Children’s privacy

This website is not intended for children under 13, and we do not knowingly collect personal information from children.

11) Changes to this policy

We may update this Privacy Policy from time to time. The “Last updated” date above will reflect the most recent version.

12) Contact us

Questions or requests:

• Email: info@freeratesupdate.com
• Or use our contact page: https://freeratesupdate.com/contact.html