Privacy Policy

The purpose of this Privacy Policy is to describe the type of information collected by this website and to explain how we collect, use and distribute any personal information you may provide to us. It also describes how you may access and update any information you have provided, as well as how you can choose to have your personal information deleted from our company records. In addition to both state and federal regulations, we are also guided by certain industry standards, which are designed to enhance trust among consumers and online merchants or service providers. By adhering to all of the above mentioned requirements, we can ensure that we treat consumers with respect and use fair, non-abusive information collection practices.

It is our goal to ensure that you feel safe and secure when you use our website. Any time you visit or use this site, you are agreeing to this Privacy Policy. If you do not agree with the Policy, or how we use your information, we ask that you do not use this website or submit any personal information. We may change this policy from time to time by updating this page without any notice.

Any questions regarding our Privacy Policy or information collection practices should be sent to us via email at info@ratehelp.org

Consent to Electronic Communications (E-Consent)
Please read this information carefully and print a copy and/or retain this information for future reference. By utilizing this website and clicking the “show my rates” button, you are submitting a request to be connected with one of our insurance carriers. In order to attempt to connect you with an insurance carrier that may offer you a financial product or service, the insurance carriers need your consent to use and accept electronic signatures, records, and disclosures (‘E-Consent’). This policy notifies you of your rights when receiving electronic disclosures, notices, information and other forms of communication. By submitting your information on our website, you acknowledge that you have received and reviewed this E-Consent Policy, and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (‘Disclosures’).

Option for Paper or Non-Electronic Records. If you are connected with an insurance carrier and said insurance carrier determines that you are a potential candidate for an insurance policy, and said insurance carrier offers you an electronic copy of any pertinent Disclosures related to that policy, you may, at any time, request any Disclosures in paper form by contacting the insurance carrier directly. Depending on the specific Disclosure request to the insurance carrier, the insurance carrier may be able to provide these Disclosures to you at no or minimal charge. Each insurance carrier shall retain all Disclosures as required by any applicable laws to the specific transaction.

Scope of Consent. This E-Consent Policy applies to all interactions online concerning you and the insurance carrier you may be connected with, and includes those interactions engaged in on any mobile device, including phones, smart-phones, tablets, and any other electronic device that allows the consumer to connect to the Internet. By exercising this E-Consent, the insurance carrier may process your information and interact during all online interactions with you electronically. The insurance carrier may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at your insurance carrier’s website, and may be provided by e-mail. See above for guidance on how to request paper copies.

Consenting to Do Business Electronically. Before you decide to do business electronically with an insurance carrier, you should consider whether 1. You wish to conduct business electronically, and 2. You have the required hardware and software capabilities described below.

Hardware and Software Requirements. To both access and retain the Disclosures electronically, at a minimum, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an electronic mail (e-mail) account, and an Internet Browser software program that supports at least 256-BIT encryption, including but not limited to, Microsoft® Internet Explorer, Google Chrome® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader® or Foxit®. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the specific hardware and software requirements directly to your insurance carrier.

Withdrawing Consent. If you are connected with one or more third-party insurance carriers, you are free to withdraw your E-Consent with those insurance carriers at any time, and at no charge. However, if you withdraw this E-Consent before being connected with an insurance carrier, you may be prevented from obtaining an offer as this consent is required, for this one-time transaction, to facilitate the connection and to conduct business. Contact your insurance carrier directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected.

Change to Your Contact Information. You should keep your insurance carrier informed of any change in either your electronic address or physical mailing address. Your insurance carrier will have specific instructions on how to update your contact information, if necessary. Please note that ratehelp.org cannot update your information for you.

Your Ability to Access Disclosures. By clicking and submitting your information, you assent to our terms and conditions. You acknowledge that you can access the disclosures in the designated formats described above.

About Us and Our Purpose
We operate, own and maintain ratehelp.org and may be referred to as ‘company’, ‘us’, ‘our’, ‘we’, ‘site’ or ‘website’ throughout this document and website. Through the use of this site, we also operate a database of prospective customers, which is known as the ‘service’.

Consent to SMS, Text & Push Notifications
When you submit your information to us, your name and contact information, such as email address and phone number, are automatically added to our contact list. By providing such information, you are agreeing to receive communications from us via telephone, email or text message unless you choose to opt out of one or all of these communication methods. You will only receive these contacts from us for as long as you agree to them. Please review our SMS Terms and Conditions for more details.

You understand that you can opt-out of receiving text messages at any time by responding with STOP. You can reply with HELP to get help. Message and data rates may apply depending on your mobile carrier. Message frequency may vary.

Compliance with Do-Not-Call Registry
It is every consumer’s right to add his or her telephone number to the National Do Not Call Registry, which, in general, applies to any plan, program, or campaign to sell goods or services through interstate phone calls. However, a company may call a consumer with whom it has an established business relationship for up to eighteen (18) months after the consumer’s last purchase, delivery or payment, and for up to three (3) months after the consumer submits an application or an inquiry to the company, even if the consumer’s number has been added to the National Do Not Call Registry.

ratehelp.org does not make outbound phone calls to consumers, and therefore does not maintain an internal do not call registry of its own. If you no longer wish to receive phone calls from an insurance carrier you got connected with, you will have to contact them directly and request that your telephone number be placed on their specific do not call list.

General Collection and Use of Information
Types of Information Collected

PERSONAL INFORMATION: ratehelp.org collects information from both existing and prospective customers in an attempt to connect them with insurance carriers for the products and services they request. You may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. We do not collect any personal information about you unless you voluntarily provide it to us.

The personal information collected includes but is not limited to name, current home address, email address, telephone numbers, bank and account numbers, date of birth, social security number, driver’s license, your military status, income, and your employer information. Additional information might be required as part of the insurance policy request form based on the product and services you are looking for.

NON-PERSONAL INFORMATION: We may also collect certain information about your computer for analytics purposes. Some of this information includes your IP address, the type of browser you are using, the times you access our website, and the website that referred you. This information is used to help improve the quality of the services that we provide to you, including the way these services are delivered, and to generate statistics about the way our site is used.