Privacy Policy

Direct Rate Home Loans Inc.
Effective Date: September 25, 2025

Important Notice Regarding Text Messaging Data

Direct Rate Home Loans Inc. (“we,” “us,” or “our”) does not share customer opt-in information, including phone numbers and consent records, with any affiliates or third parties for marketing, promotional, or unrelated purposes. All text messaging originator opt-in data is kept strictly confidential and is only used for the delivery of services you have requested.

1. Information We Collect

Personal Information

Name, email address, phone number, physical address
Payment information when you make a purchase or request a quote
Opt-in records and timestamps for all communication channels (SMS, email, etc.)

Non-Personal Information

IP address, browser type, device information
Website usage patterns and analytics
Cookies and similar technologies

Customer Communication

Records of inquiries and service requests
Appointment details and preferences
Service history and feedback

Categories of Personal Information Collected in the Last 12 Months

We have collected the following categories of personal information in the past twelve (12) months:

Category	Examples	Collected
A. Identifiers	Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name	YES
B. Personal information categories listed in the California Customer Records statute	Name, contact information, education, employment, employment history, and financial information	NO
C. Protected classification characteristics under California or federal law	Gender and date of birth	NO
D. Commercial information	Transaction information, purchase history, financial details, and payment information	NO
E. Biometric information	Fingerprints and voiceprints	NO
F. Internet or other similar network activity	Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements	NO
G. Geolocation data	Device location	NO
H. Audio, electronic, visual, thermal, olfactory, or similar information	Images and audio, video or call recordings created in connection with our business activities	NO
I. Professional or employment-related information	Business contact details in order to provide you our services at a business level or job title, work history, and professional qualifications if you apply for a job with us	NO
J. Education Information	Student records and directory information	NO
K. Inferences drawn from other personal information	Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics	NO
L. Sensitive Personal Information	As defined by California law	NO

We will use and retain the collected personal information as needed to provide the services or for:

Category A (Identifiers) — as long as the user has an account with us.

2. How We Use Your Information

We use collected information to:

Provide and improve our services
Process transactions and payments
Communicate with you about inquiries, appointments, and promotions
Enhance website functionality and user experience
Ensure security and prevent fraud
Maintain records of your communication preferences and consent

3. SMS Messaging & Compliance

Text Message Program Terms & Conditions
By opting into our SMS services, you agree to receive text messages related to our services, such as appointment reminders, customer support, and important updates.

Opt-In & Consent

You will only receive SMS messages if you have explicitly opted in
We maintain timestamped records of all opt-in actions
We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws

Opt-Out Instructions

Reply “STOP” at any time to cancel SMS notifications
You will receive a final confirmation message; no further messages will be sent unless you re-opt in
Opt-out requests are processed within 24 hours

Message Frequency & Content

Frequency may vary depending on your interactions with us
Messages are directly related to the services you have requested
Promotional content is sent only with your specific consent

Help & Support

Reply “HELP” for assistance or contact us at admin@directrate.com
Customer support is available during regular business hours

Carrier Information

Standard message and data rates may apply
Carriers are not liable for delayed or undelivered messages
Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional carriers

SMS Data Protection Statement

No mobile information (including opt-in data, phone numbers, or consent records) will be shared with third parties or affiliates for marketing or promotional purposes
Subcontractor use is permitted only to deliver requested services (e.g., customer support or technical delivery)
We implement strict security measures to safeguard SMS opt-in data and consent records

4. Information Sharing & Disclosure

We do not sell, rent, or trade personal information. We may share limited information with:

Service Providers

Vendors who support our operations (e.g., payment processors, appointment schedulers, SMS aggregators)
These providers are contractually required to maintain confidentiality and security

Legal Compliance

When required by law, legal process, or to protect our rights
In response to valid law enforcement requests or court orders

Business Transfers

If we undergo mergers, acquisitions, or sale of assets, your data remains protected under this policy

Special Note

All categories exclude SMS opt-in data and consent, which is never shared with third parties except aggregators necessary to deliver text message services

5. Data Security

We maintain commercially reasonable measures to protect your data, including:

Encryption of sensitive data in transit and at rest
Secure access controls and authentication mechanisms
Regular security assessments and software updates
Employee training on data protection practices
Breach notification protocols in accordance with applicable laws
Secure backups and disaster recovery procedures

Despite these safeguards, no method of transmission over the Internet or electronic storage is 100% secure. We strive to protect your data but cannot guarantee absolute security.

6. Cookies & Tracking Technologies

We use cookies and similar technologies to:

Analyze site traffic and user behavior
Remember your preferences
Improve site performance and user experience
Measure the effectiveness of our services

You can manage cookies through your browser settings. Disabling cookies may limit functionality on our site.

7. Your Rights & Choices

You have the right to:

Access, update, or delete your personal information
Opt out of marketing emails by clicking “unsubscribe”
Opt out of SMS messages by replying “STOP”
Request details on how your data is processed
Withdraw consent for future communications
Lodge a complaint with a supervisory authority if you believe your rights have been violated

To exercise your rights, please contact us (see Section 10).

8. Third-Party Links

Our website may contain links to external sites. We are not responsible for the privacy practices of those websites and encourage you to review their policies. This Privacy Policy applies only to information collected by Direct Rate Home Loans Inc.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. The latest version will always be available on our website with the effective date shown above. For significant changes, we will provide notice via email or on our website.

10. Contact Us

If you have questions or requests regarding this Privacy Policy, please contact us:

Direct Rate Home Loans Inc.
📞 Phone: 801-506-2700
✉️ Email: admin@directrate.com
🌐 Website: https://www.directrate.com

By using our website and services, you consent to this Privacy Policy.