We take your privacy seriously. We are committed to protecting the personal information and privacy of our clients.
Privacy (Website Visitors)
Our Online Privacy Statement describes how we collect, protect and use information about you either during your visit to our web site or when you work with Get A Rate as a client. Information We Collect About You during Your Online Visit.
While browsing our site as a visitor or user, we may collect and store information about your online visit (cookies). This information may include the time and length of your visit, the pages you view on our site, the last site you visited before coming to ours, and the name of your internet service provider.
We use this data to measure site activity, and on an individual basis to make the site more useful and provide information that may be of interest to you.
We may use encryption to protect your information as it travels across the Internet. This can help prevent others from eavesdropping on your browser sessions with our Web servers. We use an AES_128_GCM SSL level of encryption on a Linux/NGINX server hosting environment with ServerMania Inc. servicing from their Buffalo, NY server. Their corporate headquarters are located in 1040 S Service Rd, Suite 205, Stoney Creek, Ontario L8E 0C5 Canada. Get A Rate’s selection process involved extensive research and a vetting process to ensure a high level of security requirements were met prior to picking a vendor.
Our Web site may be protected by firewall technology, which helps prevent your information and our Web site from being improperly accessed. ServerMania Inc. provides a DDoS Protected Network, server redundancies to ensure there is no downtime and a firewall.
We will utilize the best available technologies and methods in order to ensure your information is safe while traveling through the internet. Additionally, we will never ask you for sensitive information (Social Security Numbers, Dates of Birth, Account Numbers, PIN Codes) through this Site. User access control security measures are provided by Gyroscope where the system provides permissions once a user signs up and logs in. Malicious code prevention, encryption and general security measures are implemented on the site.
Website Visitor/User Information Sharing
Information Collection and Sharing Practices for Existing Customers
Existing Customer/Previous Users
• Apply for a loan
• Inquire about a loan
• Close a loan
We may also collect personal information about you from others. Such as credit bureaus, affiliates, employers, etc.
Information We Share About Our Previous Customers
We may collect and subsequently share personal information about current or previous Get A Rate customers to:
• Run our everyday operations
• Respond quickly to your requests or needs
• Help us communicate with you
• Evaluate your eligibility for additional products and services that may be of interest to you
What We Share
We may share personal information that includes, but is not limited to your:
• Name, address, and other account application information
• Account balances, transactions, and payment history
• Identify information such as your social security number, license number, and date of birth
• Creditworthiness including credit history, credit reports and credit score
With Whom We Share
Benefits Of Sharing
We need to collect and share information about our customers to help us communicate with you. We also need to do so in order to serve you better and avoid repetition. We also may share customer and former customer information within Get A Rate family of businesses and with valued partners or our employees in order to evaluate eligibility, or to offer and recommend products or services that may be right for you.
Safeguard Policies & Procedures Contact
Get A Rate’s safeguard policies will be reviewed and updated on an annual basis by our authorized officer, Vice President Nick Marenoski, whose contact information is listed below:
Get A Rate
Attn: Nick Marenoski
411 Hackensack Ave, Suite 104
Hackensack, NJ, 07601Telephone: 201-393-0200 or 866-955-5655
Customer Information Sharing Choices/Opt Out
About your credit worthiness with our affiliates
To all non-affiliates to offer you their products and services
State laws may give you additional rights regarding our information sharing.
Customer Data Protection
Get A Rate LLC
Attn: Nick Marenoski
411 Hackensack Ave, Suite 104
Hackensack, NJ, 07601
Telephone: 201-393-0200 or 866-955-5655
Identity Theft / Fraud
Identity Theft occurs when someone uses sensitive information, called Personally Identifiable Information (or PII) of another person without their permission to commit fraud or other crimes, such as Account Takeover or Application Fraud. [Account Takeover occurs when an individual acquires another person’s existing credit account information and purchases products and services at the victim’s expense. Application Fraud occurs when an individual uses another’s Social Security Number or other Personally Identifiable Information to open new credit accounts in the victim’s name.]If you believe you are a victim of Identity Theft, contact the three major credit bureaus to place a fraud alert message on your credit file. When you place a fraud alert on your file, the credit reporting agencies will send you a copy of your credit report at no charge.
Trans Union (1-800-680-7289)
Carefully review your credit reports for accounts you did not open, inquiries from creditors you did not initiate, and for personal information (such as home address and social security number) that is not accurate. If you see anything you do not understand or any accounts you did not open, call the credit reporting agency at the telephone number on the report.If you do not want to place a fraud alert on your credit file, you can still obtain a free copy of your credit report by going to the following website (www.annualcreditreport.com) or by calling them toll-free at 1-877-322-8228. (Hearing impaired consumers can access their TDD service at 1-877-730-4204.)To learn more about identity theft, visit the Federal Trade Commission’s web site to receive further information and insights about how to protect yourself from identity thieves.
Identity Theft Hotline: 877-438-4338
Mail: Identity Theft Clearinghouse
Federal Trade Commission
600 Pennsylvania Ave., N.W., Washington, DC 20580