Below Is our Privacy Policy

If you have questions about this policy, contact us at privacy@loanrefinancers.com.

Privacy Policy

Website: https://www.loanrefinancers.com 
Last Updated: July 11, 2026 | Effective Date: July 11, 2026

1. Who We Are

Our website address is: https://www.loanrefinancers.com (“we,” “us,” or “our”). We operate as a loan refinancing information and rate monitoring platform. We are not a lender, broker, or referral service. We do not share your personal information with lenders or financial institutions. Questions about this policy may be directed to us at privacy@loanrefinancers.com.

2. Information We Collect

Personal Information You Provide

When you use our website, submit inquiries, or create an account, we may collect:

  • Contact information: name and email address
  • Loan details: loan type, current interest rate, remaining balance, and remaining term
  • Notification preferences: preferred alert threshold, email frequency, and communication settings
  • Account credentials: username and password

We do not collect Social Security Numbers, bank account numbers, tax documents, income information, credit scores, or any financial verification documents. Our platform is designed to function with only basic loan details and your contact information. If any screen on our platform requests such sensitive data, please contact us immediately at privacy@loanrefinancers.com.

Information Collected Automatically

When you visit our site, we automatically collect:

  • IP address and browser user agent string
  • Pages viewed, links clicked, and time spent on site
  • Referring URLs and search terms
  • Device type, operating system, and browser type
  • Cookies and similar tracking technologies (see Section 5)

Images and Media

If you upload images to the website, please avoid including embedded location data (EXIF GPS). Visitors may be able to download and extract location data from images posted on the site.

3. How We Use Your Information

We use the information we collect to:

  • Monitor market rate conditions and generate personalized rate alerts based on your loan details
  • Operate and deliver the Rate Watch alert service
  • Process and respond to your inquiries
  • Verify your account identity for platform access and security purposes
  • Communicate with you about your account and rate alerts
  • Improve our website, services, and user experience
  • Detect and prevent fraud, spam, and unauthorized activity
  • Comply with applicable legal and regulatory obligations

4. How We Share Your Information

We do not sell your personal information. We do not share your personal information with lenders, banks, brokers, or financial institutions. We may share information only in the following limited circumstances:

Lender Directory

Our platform may display a directory of lenders for informational purposes. If you choose to visit a lender’s website, you are leaving LoanRefinancers.com and interacting with that lender directly. We do not transmit your personal information, loan details, or account data to any lender. Any information you provide to a lender after leaving our platform is governed by that lender’s own privacy policy.

Advertising

Our platform may display advertisements from third parties, which may include lenders or financial service providers. We do not share your personal information with advertisers. Any ad targeting is based on general page context, not your personal loan data or account information.

Service Providers

We work with third-party vendors who help us operate our website and services, including hosting providers, email platforms, analytics services, and spam detection tools. These providers access your data only as needed to perform services on our behalf and are contractually prohibited from using your data for any other purpose.

Legal Requirements

We may disclose your information when required by law, subpoena, or other legal process, or when we believe disclosure is necessary to protect the rights, property, or safety of our company, users, or others.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to improve site functionality and analyze usage.

Types of Cookies We Use

  • Essential cookies: Required for the site to function, including login sessions and spam prevention
  • Preference cookies: Store your display settings and preferences
  • Analytics cookies: Help us understand how visitors interact with our site
  • Marketing cookies: Used to deliver relevant advertisements and track campaign performance

Login Cookies

When you log in to your Rate Watch account, cookies are set to maintain your session and display preferences. Login cookies last for two days; display preference cookies last for one year. Selecting “Remember Me” extends login persistence to two weeks. Logging out removes login cookies.

Managing Cookies

You can control or delete cookies through your browser settings. Disabling certain cookies may affect the functionality of parts of our site. For more information, visit www.allaboutcookies.org.

6. Embedded Content from Other Websites

Pages on this site may include embedded content (e.g., videos, images, calculators). Embedded content from other websites behaves exactly as if you had visited those sites directly. Those websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with the embedded content — including if you are logged in to their platform.

7. Data Retention

  • Comments: Retained indefinitely so we can recognize and approve follow-up comments automatically
  • Account information: Retained for as long as your account is active. Upon account deletion, personal data is permanently erased within 30 days, except where retention is required by applicable law.
  • Loan details: Retained only while your account is active and deleted according to the same schedule as account information upon account closure.
  • Marketing data: Retained until you opt out or request deletion

User profile data can be viewed, edited, or deleted at any time through your account settings (except usernames, which cannot be changed). Site administrators may also access and edit this information.

8. Data Security

We implement industry-standard security measures to protect your personal and financial information, including:

  • SSL/TLS encryption for data transmitted through our site
  • Secure storage of financial data
  • Access controls limiting who can view sensitive information
  • Regular security reviews and monitoring

No method of transmission or storage is 100% secure. If you have concerns about the security of your data, please contact us.

9. Your Rights and Choices

Your Rights and Choices

If you are a resident of the European Union or California, you have the right to request access to, correction of, or deletion of the personal data we hold about you. You also have the right to receive a copy of your data in a portable format (data portability). You may exercise these rights directly from your account at any time — visit your Profile page, scroll to Account Deletion, and use the built-in tools to download your data or permanently close your account. We will send you a timestamped confirmation email when your request is processed. Requests may also be submitted by email to privacy@loanrefinancers.com.

How We Handle Deletion

When you delete your account, we immediately revoke your membership access and erase your personal information — including your name, email address, alert preferences, rate history, and notification records. For accounts with a paid transaction history, applicable financial and tax regulations require us to retain certain transaction records; in these cases, all identifying information is anonymized (your name and email are replaced with non-identifying placeholders) and no further use of those records is made beyond satisfying our legal obligations. All other personal data is permanently deleted. California residents may also contact us to request disclosure of what categories of personal information we have collected and whether it has been disclosed to third parties.

10. Financial Regulatory Note

LoanRefinancers.com is not a financial institution, lender, or broker. We do not originate, underwrite, or service loans. We do not provide financial products or services. We provide rate monitoring tools and informational resources. To the extent any federal or state financial privacy regulation applies to our platform, we comply with its requirements. If you have questions about how we handle your data, contact us at privacy@loanrefinancers.com.

11. Children’s Privacy

Our website is not directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.

12. Where Your Data Is Sent

  • Rate alert data and account communications are processed through our email service providers in the United States
  • Analytics data may be processed by third-party analytics providers
  • Visitor form submissions may be checked through an automated spam detection service

13. Third-Party Links

Our site may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.

14. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised “Last Updated” date. Where required by law, we will provide additional notice.

15. Contact Us

For questions, concerns, or to exercise your privacy rights, contact us at:

LoanRefinancers.com 

Email: privacy@loanrefinancers.com

Mailing Address: 1567 Highlands DR NE
STE 110 – PMB 272
Issaquah, WA 98029