Thank you for visiting First Rate Financial LLC. Your privacy is important to us. To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the collection and use of the personal information you submit.

The Information We Collect

At First Rate Financial LLC, you can, among other things, view our products, request information, and gather information about your home financing. The type of personally identifiable information that may be collected include: name, address, e-mail address, telephone number, fax number, household income and information about your interest in home ownership. You can also submit information about other people. For example, you might submit a person's name and e-mail address to send information about the products and services of First Rate Financial LLC. The types of personally identifiable information that may be collected about other people at these pages include: recipient's name, address, e-mail address, and telephone number.  At certain sections of our website, only persons who provide us with the requested personally identifiable information will be able to obtain pricing information or otherwise participate in our websites activities and offerings. We may also collect certain non-personally identifiable information when you visit our website such as the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using (e.g., Windows 2000 or Mac OS), and the domain name of your Internet service provider (e.g., America Online, Earthlink).

How We Use the Information

We may use the information you provide about yourself to fulfill your requests for our products and services, to respond to your inquiries about our offerings, and to offer you other products, programs or services that we believe may be of interest to you.  We may use this information to communicate with you, such as to notify you when new products or services are offered or to fulfill a request by you for information.  We will also use information that you provide for market research purposes, development of prospect lists and project planning.  The use of our website constitutes your permission for us to use this information.  First Rate Financial LLC will not knowingly share information provided by you with anyone other than its subsidiaries and affiliates unless otherwise disclosed to you by an individual subsidiary or affiliate or except as required or permitted by applicable law. We do not sell our names or lists unless otherwise disclosed to you by an individual subsidiary or affiliate. However, no data transmission over the Internet can be guaranteed to be one hundred percent secure. Accordingly, viewers should note that while it is our intent to hold private the information you transmit via our website or by way of an Internet electronic mail system or service, First Rate Financial LLC cannot promise or ensure that such information will remain confidential or secure.  We may disclose personally identifiable information in response to legal process, for example, in response to a court order or a subpoena. We also may disclose such information in response to a law enforcement agency's request or where we believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our terms of use, or as otherwise required by law. In addition, we may transfer information about you if we are acquired by or merged with another company.  Agents, employees and contractors of First Rate Financial LLC who have access to personally identifiable information are required to protect this information in a manner that is consistent with this Privacy Policy by, for example, not using the information for any purpose other than to carry out the services they are performing for First Rate Financial LLC.

Collection of Information by Third Party Sites and Sponsors

Our website may contain links to other Internet sites, which are provided solely as a convenience to viewers and not as an endorsement of the contents of such sites. In addition, other Internet sites may link to our website without our knowledge or permission. Because First Rate Financial LLC has no control over such linked sites, we assume no obligation to review, and are not responsible for the availability or content of, any off-site pages or any other sites linked to our website. Your linking to off-site pages or other sites is at your own risk.  We sometimes may offer content (e.g., promotions, access to information concerning home financing, insurance and title) that is sponsored by or co-branded with identified third parties. By virtue of these relationships, third parties may obtain personally identifiable information that visitors voluntarily submit to participate in the site activity. We have no control over such third parties' use of this information.

Cookies and Other Technical Information

We may send "cookies" to your computer primarily to enhance your online experience. "Cookies" are files that can identify you as a unique customer and store your personal preferences as well as technical information (including click through and click stream data). Cookies can either be permanent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser).  On their own, cookies do not contain or reveal any personally identifiable information. However, if you choose to furnish our website with personally identifiable information, this information can be linked to the data stored in the cookies.  Your ongoing use of our website constitutes your acceptance of this Privacy Policy, and you specifically agree to our described use of cookies.

Notification of Changes to Privacy Policy

This Privacy Policy is effective as of the expressed "Effective Date" written above and may be updated and modified from time to time by us in our sole discretion. By updating this Privacy Policy, First Rate Financial LLC will be notifying you of any material changes, updates or modifications to this Privacy Policy. Accordingly, we strongly encourage you to periodically review this Privacy Policy and our website in order to keep apprised of our current privacy practices. If you do not agree to any provision of this Privacy Policy, or any update or modification thereto, please do not hesitate to call First Rate Financial LLC or do not use our website.

How to Contact Us

If you have any questions or concerns about this Privacy Policy or its implementation you may call us directly at toll free (800) 970-1976 or click here to visit our contact page.