Privacy Policy & Security

Refi Guide is not a mortgage broker, lender or bank of any kind. We collect basic contact information and forward that information to third-party mortgage lenders.

Refi Guide Privacy Policy This privacy policy sets out how Refi Guide uses and protects any information that you provide on our website. Refi Guide is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement. Refi Guide may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.

Refi Guide is a marketing company, not a mortgage lender or broker. We may collect the following information: name and property address contact information including your phone number and email address basic information to match you with mortgage lenders, brokers or banks in our network. Including estimated purchase price, down payment and your estimated credit score.

Information Collection and Use

We need this information so our third-party lenders can contact you about mortgage loan offers. You can visit our website without revealing any personally identifiable information about yourself. However, in certain sections of this website  Due to the nature of some of these activities, we may collect personally identifiable information that you submit such as your name, contact data (address, email address, phone number), level and other financial information, such as monthly income, and employment information. This information also allows us to match you with mortgage brokers or lenders that best meet your needs. We may provide any or all information you provide us to one of our participating brokers or lenders.

We may use your personally identifiable information to deliver requested services or information, provide you, or have our third-party service partners, with notices regarding goods or services you may be interested in purchasing in the future, register you to use our Site and Services, verify your authority to enter our Site and to improve the content and general administration of the Site and our Services.

Security: We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. How we use cookies A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added, and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We may employ procedural and technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. RefiGuide.org may use secure socket layer and other security measures to help prevent unauthorized access to your personally identifiable information.

Additionally, RefiGuide.org’s web servers support the Secure Socket Layer (SSL) transaction in order to keep the information passed back and forth between a web server and its users confidential.

Data Retention

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services, contact us at /contact. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Links to other websites: Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over any other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question. Read more https://www.refiguide.org

Last updated: 11/23/2019

Thank you for visiting https://www.refiguide.org This Privacy policy details certain policies implemented throughout RefiGuide.org governing RefiGuide.org’s use of personally identifiable information about users of our website and users of services available through this website and services.

Privacy Policy Updates

Due to the Internet’s rapidly evolving nature, RefiGuide.org may need to update this Privacy Policy from time to time. If so, RefiGuide.org will post its updated Privacy Policy on our Site located at https://www.refiguide.org If any privacy change is unacceptable to you, you should stop using this website and the services. If you do not cease using this website and the services, you will be deemed to have accepted the change.

Children’s Privacy

RefiGuide.org recognizes the privacy interests of children and we encourage parents and guardians to take an active role in their children’s online activities and interests. This Site is not intended for children under the age of 13. RefiGuide.org does not target its Services or this Site to children under 13. RefiGuide.org does not knowingly collect personally identifiable information from children under the age of 13.

Cookies

We may use small text files called cookies to improve overall Site experience. A cookie is a piece of data stored on the user’s hard drive containing information about the user. Cookies generally do not permit us to personally identify you.

Aggregate Information

The Site may track the total number of visitors to our Site, the number of visitors to each page of our Site, browser type, and IP addresses, and we may analyze this data for trends and statistics in the aggregate, but such information will be maintained, used and disclosed in aggregate form only and it will not contain personally identifiable information. We may use such aggregate information to analyze trends, administer the Site, track users’ movement, and gather broad demographic information for aggregate use.

Disclosure

We may provide your personally identifiable information and the data generated by cookies and the aggregate information to the vendors and service agencies that we may engage to assist us in providing our Services to you. These companies are authorized to use your personal information only as necessary to provide these services to us. We may disclose your personally identifiable information and your communications on this Site when we reasonably believe we are required to do so by law, or when we deem it appropriate or necessary to provide such information to law enforcement authorities. We will not sell your personally identifiable information to any company or organization except we may transfer your personally identifiable information to a successor entity upon a merger, consolidation or other corporate reorganization in which RefiGuide.org participates or to a purchaser of all or substantially all of RefiGuide.org’s assets to which this Site relates. You will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personally identifiable information.

As stated above, we may share your information with third party service partners when you use our services to request a quote or make an inquiry about a loan or certain other mortgage information on this Site (a “Request”). In the event that you submit a Request, third party service providers may contact you directly with quotes via mail, telephone, text message, fax, email and other means of communication. You understand and acknowledge that you may receive telemarketing calls as a consequence of submitting a Request even if you are on the national ‘Do Not Call’ Registry or on any other do-not-call registry.

If you are matched with third party service partners, you expressly consent to such third-party service partners conducting any research necessary to provide you with quotes for your Request. Such third-party service partners may need to share your information to conduct such research.

If you do not want third party service partners to conduct the necessary research to provide you with a quote, then you should not submit a request.

Please note that if you submit a Request through our website and we share your information as described above in connection with your request, you will NOT have the opportunity to opt out of the disclosure of your information in connection with that Request.

If you do not want your information shared as described above, then you should not provide us with your information.

Disclaimer

Please note that no method of transmission or method of electronic storage is fully 100% secure. We cannot guarantee absolute security. Therefore, nonetheless anything to the contrary, you use our Services at your own risk, and we do not promise or guarantee, and you should not expect, that your information will always remain private. If an unauthorized third party compromises our security measures, we will not be responsible for any damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate your information.

Information You Disclose to Third Parties

You may be presented with an opportunity to receive information and/or marketing offers from third parties in connection with our Services. All information you disclose to such third parties will be subject to the privacy policy and practices of such third parties. We are not responsible for the privacy policies and practices of such third parties and, therefore, you should review the privacy policies and practices of such third parties prior to disclosing information to them. If you later decide that you no longer want to receive communications from a third party, you will need to contact that third party directly.

Special Notification for California Residents

Individuals who are residents of California and have provided their personally identifiable information to us may request information regarding our disclosures if any, of their personally identifiable information to third parties for direct marketing purposes. Such requests must be submitted to us in writing.

California privacy rights requests must include the reference “Request for California Privacy Information” on the subject line and in the body of the message and must include the email address or mailing address, as applicable, for us to send our response. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified above.

About Bryan Dornan

Bryan Dornan is a Financial Journalist and currently serves as Chief Editor of RefiGuide.org. Bryan has worked in the mortgage industry for over 20 years and has a wealth of experience in providing mortgage clients with the highest level of service in the industry. Bryan's continual focus is to promote affordable home-ownership to consumers like you across the United States. He also writes for RealtyTimes, Patch, Medium and other national publications. Find him on Twitter and Muckrack.