Overview
RefiRatesToday is an independent publisher operated by Nofo Times LLC. This Privacy Policy explains how we collect, use, and share information when you use RefiRatesToday, including educational pages, calculators, advertising pages, and conversation request forms.
RefiRatesToday is designed to avoid collecting sensitive borrower documents. Do not submit Social Security numbers, dates of birth, tax returns, pay stubs, bank statements, mortgage statements, full loan numbers, credit reports, or complete loan application files through this website.
Information we may collect
We may collect information you choose to provide, such as your name, email address, phone number, state, property location or market, refinance goal, estimated loan balance, estimated property value, current mortgage estimate, timing, and any message you voluntarily submit.
We may also collect website usage information such as pages viewed, device and browser information, referring pages, approximate location derived from technical data, cookie identifiers, and analytics events.
How conversation requests work
If you submit a request to speak with a mortgage professional, RefiRatesToday may share the information you provide with one or more participating mortgage professionals, mortgage companies, advertisers, sponsors, customer relationship management providers, lead management providers, or other service providers for the purpose of responding to your inquiry.
Those third parties are independent from RefiRatesToday. They are responsible for their own licensing, privacy practices, disclosures, communications, advice, applications, underwriting, pricing, and services.
How we may use information
We may use information to operate the site, respond to inquiries, route conversation requests, improve pages and calculators, measure traffic, monitor performance, prevent misuse, maintain records, comply with legal obligations, and support advertising or sponsorship relationships.
We may use analytics and advertising tools, including Google Analytics, to understand how visitors use the site. These tools may use cookies or similar technologies.
How we may share information
We may share information with service providers, analytics providers, hosting providers, email or form providers, lead management providers, participating mortgage professionals, mortgage companies, advertisers, sponsors, professional advisors, and government or legal authorities when required or appropriate.
We may also share information in connection with a business transfer, such as a merger, sale, financing, reorganization, or transfer of site assets.
Contact consent
By submitting a conversation request, you authorize RefiRatesToday and participating mortgage professionals or service providers to contact you about your inquiry using the information you provide, including by phone or email. Message and data rates may apply if text messaging is used. Consent is not a condition of using RefiRatesToday’s educational content.
You may ask a contacted mortgage professional to stop contacting you. You may also contact RefiRatesToday at info@refiratestoday.com.
Cookies, analytics, and advertising
Cookies and similar technologies may be used to remember preferences, measure site traffic, analyze performance, detect errors, and support advertising or affiliate measurement. You can adjust cookie settings in your browser, but some site features may not work as intended.
RefiRatesToday may receive compensation from advertisers, sponsors, affiliate programs, or lead recipients. See the How We Make Money page for more information.
State privacy rights
Depending on where you live, you may have rights to request access to, correction of, deletion of, or information about certain personal information. You may also have the right to opt out of certain sharing or targeted advertising practices where applicable.
To make a privacy request, email info@refiratestoday.com. We may need to verify your request before responding.
Data security and retention
We use reasonable administrative, technical, and organizational measures to protect information. No website, form, email system, or internet transmission is completely secure.
We keep information for as long as reasonably needed for the purposes described in this policy, unless a longer period is required or permitted by law.
Children
RefiRatesToday is intended for adults. We do not knowingly collect personal information from children under 13.
Changes to this policy
We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised effective date when applicable.
Contact
Questions about this Privacy Policy may be sent to info@refiratestoday.com.