Privacy Policy

Effective date: January 1, 2026  |  USARateHub.com

1. Introduction

USA Rate Hub ("we", "us", "our") respects your privacy. This Privacy Policy explains how we collect, use, share, and protect personal information when you visit usaratehub.com or use our rate comparison services.

2. Information We Collect

When you submit our form, we collect:

• Contact information: name, email, phone, ZIP, and state
• Financial profile: rate type sought, loan amount, credit score range
• Technical data: IP address, browser, device, referrer, pages visited
• Tracking identifiers: cookies, visitor ID, session ID, UTM parameters

3. How We Use Your Information

• Match you with licensed lenders and financial service providers
• Contact you regarding your inquiry by phone, email, or text
• Improve our services, marketing, and user experience
• Comply with legal and regulatory obligations

4. TCPA Consent

By submitting our form, you provide express written consent under the Telephone Consumer Protection Act (TCPA) to be contacted by USA Rate Hub and our network of partners and affiliates by phone (including via automatic telephone dialing systems and prerecorded messages), email, or text message regarding financial products and services. Consent is not a condition of any purchase. Message and data rates may apply. You may opt out at any time by replying STOP to any text message or by contacting us at info@usaratehub.com.

5. Information Sharing

We share your information with:

• Licensed lenders, brokers, and financial service providers in our partner network
• Service providers supporting hosting, analytics, and customer support
• Legal and regulatory authorities when required by law

We do not sell your information for monetary consideration. We do share information with marketing and lender partners. Under California law, this sharing may be considered a "sale" or "share" of personal information.

6. California Privacy Rights (CCPA / CPRA)

California residents have the right to:

• Know what personal information we collect, use, and share
• Request deletion of personal information
• Correct inaccurate personal information
• Opt out of the sale or sharing of personal information
• Limit the use of sensitive personal information
• Non-discrimination for exercising privacy rights

To exercise these rights, contact us at info@usaratehub.com with the subject "California Privacy Request" and your full name, email, and request.

7. Cookies & Tracking

We use cookies, pixels, and similar technologies for analytics, attribution, and functionality. Manage cookies through your browser settings. Disabling them may impact site functionality.

8. Data Security

We use industry-standard security measures including 256-bit SSL encryption to protect your information in transit. No method of transmission or storage is 100% secure, but we work to safeguard your data.

9. Data Retention

We retain your information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements. Lead data is typically retained for up to 7 years.

10. Children's Privacy

Our services are not directed to children under 18. We do not knowingly collect personal information from minors.

11. Changes to This Policy

We may update this policy from time to time. The effective date at the top reflects the latest revision.

12. Contact Us

USA Rate Hub
Email: info@usaratehub.com