Information We Collect:
In addition, when you use the Website certain non-personally identifiable information may be automatically gathered about your IP address, Geo-location information, mobile device, browser type, browser language or operating system. We may use third party contractors to collect and aggregate this information. For more information, please see Cookies.
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. While ratelane.com is not a financial institution, lenders we work with are financial institutions. What this means to you: when you submit information to ratelane.com, we will ask for your name, physical address, mailing address, date of birth, and other information that will allow us to identify you. This information will be passed on to the lender that you are matched with on ratelane.com.
How we Protect Information:
We follow generally accepted industry standards to protect the Personal Information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
If you enter sensitive information such as credit card number on our order form, our merchant services providers encrypt that information using secure socket layer technology (SSL).
We will delete any information provided to us by a user upon the receipt of a written request by such user. We cannot restore information that we have deleted.
How we Use Information:
If you choose to provide Personal Information, it will be used for and/or shared with trusted third parties such as Loan Providers and/or other financial service providers, credit bureaus, and for marketing products and services that you might find of interest. We reserve the right to share, rent, sell or otherwise disclose your information with/to third parties in accordance with applicable laws and as described herein. These third party businesses may include, but are not limited to: providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; e-mail marketers; wireless services providers and telemarketers. Information collected by us may be added to our databases and used for future instant messaging, telemarketing, SMS text-messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders and/or loans placed online. By using this website, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do-not-call registry or similar registry. We may also employ other companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from customer lists, analyzing data, and providing marketing analysis. These agents have access to our users' personal information as needed to perform their functions for our sites, but may not be used for their own marketing purposes. In addition, we may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process.
You agree that by submitting your information at the site, you agree to receive mobile marketing including, but not limited to, text-message based marketing (“SMS Messages”), from us and our third party advertisers and marketers. You further agree that based on your individual carrier and plan, you may incur charges associated with such SMS Messages and that you agree to be solely responsible for such charges. You represent that you are at least 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. Should you hereafter choose to opt-out of receiving SMS Messages from the individual sender, you may opt-out by texting "STOP" or "OPT-OUT" as specifically set forth in the communication. Notwithstanding that your mobile telephone number may be listed on state and/or federal do-not-call registries, we retain the right to contact you via SMS Messages. In addition, by registering and/or using the website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time (the "Rule"). Notwithstanding that your telephone number may be listed at the Federal Trade Commission's Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the Rule.
We may also use your personal, demographic and profile data to improve our website, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes. Information collected by us may be added to our databases and used for future e-mails, telemarketing or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online. See "Your Opt-Out Rights" below.
We also may share your information:
In response to subpoenas, court orders, or other legal process or in response to a law enforcement agency’s request; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases we reserve the right to raise or waive any legal objection or right available to us.
When we believe it is appropriate to investigate, prevent, or take action regarding illegal or suspected illegal activities; to protect and defend the rights, property, or safety of our company or this website, our customers, or others; and in connection with our Terms and Conditions for the Site, and other agreements.
In the event that our company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via email or prominent notice on our Website for 30 days of any such change in ownership or control of your personal information.
By submitting your information via the Internet, you agree to receive certain notifications, disclosures and/or documents electronically. This Consent to Electronic Disclosures applies to the information you are providing on this Site and any other communications we or any third party lender may provide to you. By submitting your information you agree to receive all such notifications, disclosures and/or documents from us or any third party lender in electronic form or online in accordance with this document. You may withdraw your consent prior to submitting your information by exiting the Site or by closing your browser. However, you will not be able to submit your information if you withdraw your consent by exiting the website or closing your browser. Following the submission of your information, you may be able to withdraw your consent to future electronic disclosures from a third party lender by contacting the lender directly, but due to rules regarding the timing of delivery of disclosures that need to be made to you, you acknowledge that an opt-out notice may not be received and acted upon by such third party lender prior to such disclosures being delivered to you electronically. We do not process opt-out communications for third party lenders, and each third party lender establishes its own rules regarding opting out of future electronic communications and disclosures.
All notifications, disclosures and/or documents that we or any third party lender provide to you in electronic format will be provided either (i) via e-mail; (ii) by access to a secure customer service website which will be provided to you in an e-mail notice sent to you when the documents are available; (iii) by posting on this Site or the lender’s site; (iv) by SMS text messaging to your mobile device; or (v) by posting on a website designated for that purpose. All notifications, disclosures and/or documents provided in electronic or paper format from us or any third party lender to you will be considered "in writing," and you should print a copy for your records. You may obtain any notifications, disclosures and/or documents in paper form without charge from us by printing them yourself from our website or the appropriate third party lender’s website when available. To access, view and retain the notifications, disclosures, and/or documents available to you in electronic form, you must have Internet access, sufficient electronic storage capacity, an e-mail account with an Internet service provider e-mail software.
You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) your consent to receive notifications, disclosures and/or documents in electronic form; (ii) the information you provide, and (iii) our and/or any third party lenders' ability to conduct business with you by electronic means.
By completing and submitting your information, you (i) agree to provide us with an accurate and complete e-mail address and other required information requested on this Site; (ii) confirm your consent to receive notifications, disclosures and/or documents from us and any third party lender in electronic format; (iii) affirmatively demonstrate your ability to access the notifications, disclosures and/or documents in electronic form; (iv) confirm that you have provided a current e-mail address at which electronic notifications, documents and/or disclosures can be sent to you; (v) acknowledge that you have read and reviewed the terms contained in this Electronic Disclosure section; and (vi) agree to the terms contained in this Electronic Disclosure section.
We and any third party lender, reserve the right, in our sole discretion, to discontinue electronic provision of notifications and/or documents. You will be provided with notice of any such termination or change as required by law.
Collection of Information by Third Parties
You are surfing a dynamically generated website that includes third-party advertising. Placement of tracking technologies such as and not limited to cookies and / or web beacons is permitted to third party advertising companies. These third party advertising companies may use such technologies to gather anonymous website statistics about your visits to this and other websites. These statistics are used by these third party advertising companies to provide ads of relevance to you. The information is gained in a statistical manner for use by us or by advertisers on our site. Data gathered will not identify you personally. It is strictly aggregate statistical data about our visitors and how they used our resources on the site. No identifying personal information will be shared at any time via cookies.
You may opt-out of receiving communications from us and or our third-party associates by not submitting your information. When contacted by any of these third parties, you should notify them directly of your choices regarding their use and sharing of your information and to opt-out of receiving additional offers from them or any other third party with whom we have shared your information. To opt-out from receiving any additional email communications regarding the Site, please send your request in writing via email to [email protected] Please note that we reserve the right to send you service related communications, including service announcements and administrative messages, relating either to your account or to your transactions on this site, without offering you the opportunity to opt out of receiving them unless you cancel your account.
Q: What Are Cookies?
A: Cookies are text files that a web server places on your computer when you visit a web page. The cookies are used by the website to enable certain functionalities, like keeping you logged in or remembering your settings and displaying information relevant to you. Q: What kind of information to cookies contain?
A: We use several types of cookies, each containing different information-
1. Anonymous analytics cookies containing anonymous aggregate statistics and analysis.
2. Registration cookies let us know when you are logged-in so that features requiring lo-in are available to you
3. Third party non advertising-related cookies that allow us to integrate the Website with other services like Twitter or Facebook.
4. Third-party Advertising cookies let us deliver and track advertisements that are relevant to your interests.
Q: How do I turn off cookies?
A: You can stop your browser from accepting cookies by following the instructions detailed below. Note that disabling cookies will prevent you from using certain functionalities of the Website. Chrome Firefox Safari web version & iOS version Internet Explorer Correcting or Updating your Information The Website allows you to view the information you provided during registration and to alter any data, inaccuracies or errors. To request such access, or correct, update, or amend your personal information please contact us at the following e-mail address: E-mail address: ratelane.com/contact 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, please contact us at the e-mail address, postal address, or telephone number listed above. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Use of the Website by Children We not knowingly collect personally identifiable information from children under the age of 18. In the event you become aware that an individual under the age of 18 has enrolled without parental permission, please advise us immediately.