Privacy Policy

1. Introduction

Take The Rate ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard the information you provide when you visit www.taketherate.com (the "Site") or apply for mortgage products and services through us.

Take The Rate is operated by Travis Saling, NMLS #299683, a licensed mortgage loan originator. By using this Site, you consent to the practices described in this Policy.

2. Information We Collect

Information You Provide Directly

When you contact us, request a rate quote, sign up for rate alerts, or apply for a loan, you may provide:

• Name, email address, phone number, and mailing address
• Date of birth, Social Security number (only on full loan applications)
• Employment, income, and asset information
• Property address and details about the home you wish to purchase or refinance
• Credit history and authorization to pull a credit report
• Communications you send to us by phone, email, text, or web form

Information Collected Automatically

When you visit our Site, we may automatically collect certain information through cookies, pixels, and similar technologies:

• IP address, browser type, device type, and operating system
• Pages visited, time on site, and referring URL
• Approximate geographic location
• Aggregated analytics data through services such as Google Analytics

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide rate quotes
• Process loan applications and obtain credit reports with your authorization
• Communicate with you about your application, products, and services (including by email, phone, and SMS where you've consented)
• Send you rate alerts and marketing communications (which you can opt out of at any time)
• Comply with federal and state lending laws, anti-money-laundering rules, and recordkeeping obligations
• Improve our website, prevent fraud, and protect our legal rights

4. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Lenders and investors — to obtain rate quotes, lock loans, and fund your mortgage
• Credit bureaus — Equifax, Experian, TransUnion to obtain authorized credit reports
• Service providers — including our CRM (LeadConnector / GoHighLevel), email platform (Mailchimp), telephony (Twilio), e-sign vendors, and document storage providers, all bound by confidentiality obligations
• Affiliates and brokers — Take The Rate originates loans through Answer Home Lending and may share information with affiliated parties needed to process your loan
• Government agencies — when required by law, subpoena, or to comply with HMDA, GLBA, RESPA, TRID, or other regulations

5. SMS / Text Messaging

When you provide your phone number, you may consent to receive text messages from Take The Rate regarding your loan application, rate updates, appointment reminders, and notifications. Message frequency varies. Message and data rates may apply. You can opt out at any time by replying STOP, or reply HELP for assistance. We do not share mobile opt-in data or consent information with third parties for their marketing purposes.

6. Cookies and Tracking

Our Site uses cookies and similar technologies to remember your preferences, measure performance, and improve user experience. Most browsers allow you to refuse cookies, though some Site features may not function properly if you do. We may use Google Analytics, Meta Pixel, and similar tools — you can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

7. Your Rights

Depending on the state where you live, you may have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal recordkeeping requirements that may require us to retain loan files for up to 7 years or longer)
• Opt out of marketing communications at any time
• For California residents — exercise rights under the California Consumer Privacy Act (CCPA)

To exercise any of these rights, contact us at travis@taketherate.com.

8. Data Security

We use industry-standard administrative, technical, and physical safeguards to protect your information, including encrypted document transmission, secure password-protected portals, and access controls. However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security but we work hard to protect your data.

9. GLBA Privacy Notice

As required by the Gramm-Leach-Bliley Act (GLBA), we provide a separate privacy notice when you submit a full mortgage application. That notice describes the categories of nonpublic personal information we collect, how we use it, and your right to opt out of certain disclosures. You will receive that notice along with your application disclosures.

10. Children's Privacy

This Site is not directed to children under 18, and we do not knowingly collect information from minors. If you believe a child has provided us information, please contact us and we will delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Material changes will be communicated via email or a notice on this Site.

12. Contact Us

Take The Rate operates as a licensed mortgage broker and originates loans through Answer Home Lending. NMLS Consumer Access: www.nmlsconsumeraccess.org.