1. Introduction
TrustTech LLC, doing business as RateGuard, is committed to protecting personal information. This Privacy Policy describes how we collect, use, disclose, retain, and safeguard information.
2. Categories of Personal Information Collected
- Identifiers
- Financial information
- Credit information including authorized soft credit data
- Commercial information
- Internet activity
- Device data
- Geolocation derived from IP
3. Sources of Information
- Directly from you
- Consumer reporting agencies with authorization
- Financial institutions when linked
- Service providers
- Cookies and tracking technologies
4. Purposes of Processing
- Provide monitoring services
- Calculate rate and payment deltas
- Generate alerts
- Process subscriptions
- Improve services
- Prevent fraud
- Comply with law
We do not sell personal information.
5. Sharing
- Service providers
- Consumer reporting agencies when authorized
- Financial institutions when you voluntarily pursue surfaced solutions
- Regulators when required
6. State Privacy Rights
Residents may request:
- Access
- Correction
- Deletion
- Opt-out of certain sharing
- Limit use of sensitive data
Submit requests to privacy@rateguard.ai. Identity verification required.
7. Data Retention
Data retained only as long as necessary for services, compliance, and dispute resolution.
8. Security
- Encryption in transit
- Encryption at rest
- Access controls
- Monitoring and logging
- Incident response procedures
9. FCRA Disclosure
RateGuard may obtain consumer report information through soft inquiries in accordance with applicable law and authorization. Soft inquiries do not affect credit scores.
10. Age Restriction
RateGuard services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from individuals under 18.
11. Updates
Policy may be updated periodically with revised effective date.