Privacy Policy

This Privacy Policy explains how The GO Rate ("we," "us," or "our") collects, uses, and shares information when you use our website and services (the "Services").

1. Information we collect

We collect information you provide directly to us, including:

• Contact information (name, email, phone number)
• Home and mortgage information (property value, loan balance, rate, goals)
• Financial preferences you enter into our GO experience
• Account credentials and authentication data
• Communications you send to us or your chosen professional

We also collect limited technical information automatically:

• Device, browser, and operating system information
• IP address and general location
• Usage data (pages visited, clicks, time on page)
• Cookies and similar tracking technologies (see our Cookie Policy)

2. How we use your information

• To calculate your GO Rate™ and generate personalized results
• To connect you with the professional you've chosen
• To send you GO Alerts, updates, and service communications you've opted into
• To improve our Services and develop new features
• To prevent fraud, enforce our Terms, and comply with legal obligations

3. How we share your information

We do not sell your personal information. We share information only in the following limited situations:

• With the professional you choose. When you connect with a specific loan officer, agent, or advisor, we share the information needed for them to help you.
• Service providers. Vendors that host our infrastructure, send email or SMS, analyze usage, and provide security - all under confidentiality obligations.
• Legal. When required by law, subpoena, or to protect our rights, users, or the public.
• Business transfers. In connection with a merger, acquisition, or sale of assets, with continued protection under this policy.

4. Email and SMS communications

We send email and SMS messages only when you opt in (for example, GO Alerts or account notifications). Message frequency varies. Message and data rates may apply. You can opt out of email by clicking "unsubscribe" and opt out of SMS by replying STOP. See our SMS Terms for details.

5. Cookies and analytics

We use cookies and similar technologies for authentication, preferences, and analytics. See our Cookie Policy.

6. Data retention

We keep your information as long as your account is active or as needed to provide the Services and comply with legal obligations. You may request deletion at any time (see below).

7. Your choices and rights

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

• Access, correct, or delete the personal information we hold about you
• Object to or restrict certain processing
• Withdraw consent to marketing communications
• Request a copy of your information in a portable format

To exercise any of these rights, email us at hello@thegorate.com.

8. State privacy rights

Residents of California, Colorado, Connecticut, Florida, Virginia, Utah, and other states with comprehensive privacy laws have additional rights, including the right to know what categories of information we collect and to opt out of certain uses. Since we don't sell personal information, opt-out of "sale" isn't applicable - but you may still make requests by contacting us at hello@thegorate.com.

9. Security

We use reasonable administrative, technical, and physical safeguards to protect your information. No system is 100% secure, and we cannot guarantee absolute security.

10. Children

The Services are not directed to children under 16, and we do not knowingly collect information from them.

11. Changes to this policy

We may update this Privacy Policy from time to time. We'll post the updated policy here with a new "Last updated" date. Material changes will be communicated more prominently.

12. Contact us

Questions? Email hello@thegorate.com or use our Contact page.