Privacy Policy

1. Information We Collect

We collect information in the following ways:

Information You Provide Directly

• Email address — when you subscribe to our rate alert newsletter
• Calculator inputs — loan amounts, home prices, and interest rates you enter into our mortgage calculator (these are not stored on our servers)
• Contact form submissions — if you reach out to us via email

Information Collected Automatically

• Usage data — pages visited, time spent, links clicked, scroll depth
• Device information — browser type, operating system, screen resolution
• IP address — used to estimate general geographic location (country/state level)
• Referral source — how you arrived at our site (e.g., Google search, direct link)

2. How We Use Your Information

We use collected information to:

• Send you our weekly rate alert newsletter (only if you subscribed)
• Analyze site performance and improve our content
• Understand which rate comparisons and tools are most useful to visitors
• Detect and prevent fraudulent or abusive behavior
• Comply with legal obligations

We do not sell your personal information to third parties. We do not use your information for automated decision-making or profiling that produces legal effects.

3. Cookies & Tracking Technologies

We use the following types of cookies and tracking technologies:

Essential Cookies

Required for the site to function. These cannot be disabled.

Analytics Cookies (Google Analytics 4)

We use Google Analytics to understand how visitors interact with our site. Google Analytics collects data such as pages visited, session duration, and device type. This data is aggregated and anonymized. You can opt out via Google's opt-out browser add-on.

Third-Party Advertiser Cookies

When you click an affiliate link to a lender or financial institution, that partner may set their own cookies on your device. We do not control these cookies. Please review each partner's privacy policy for details.

You can control cookies through your browser settings. Note that disabling cookies may affect site functionality.

4. Third-Party Partners & Advertisers

DynamicRates.com is an advertising-supported comparison service. We maintain relationships with the following types of partners:

• Affiliate networks — such as Commission Junction (CJ) and FlexOffers, which connect us with lenders and financial institutions
• Lenders and financial institutions — such as mortgage lenders, banks, and credit unions listed on our site
• Email platform — Beehiiv, which manages our newsletter subscriber list
• Analytics — Google Analytics 4

When you click a "Get Rate" or "Open Account" button, you will be directed to a third-party website. DynamicRates.com is not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies before submitting any personal information.

5. How We Share Your Information

We do not sell, rent, or trade your personal information. We may share information only in these limited circumstances:

• Service providers — companies that help us operate the site (e.g., Beehiiv for email, Google for analytics), bound by confidentiality agreements
• Legal compliance — when required by law, court order, or government authority
• Business transfers — in the event of a merger, acquisition, or sale of assets, your information may be transferred to the new owner
• With your consent — in any other circumstance, only with your explicit consent

6. Your Rights & Choices

You have the following rights regarding your personal information:

Newsletter Subscribers

• Unsubscribe — click the unsubscribe link in any email we send, or email [email protected]
• Access your data — request a copy of what we hold about you
• Delete your data — request deletion of your email and any associated data

California Residents (CCPA)

If you are a California resident, you have the right to: know what personal information we collect, request deletion of your data, opt out of the sale of personal information (we do not sell personal information), and not be discriminated against for exercising your rights. To exercise these rights, contact us at [email protected].

European Residents (GDPR)

If you are in the European Economic Area, you have rights including access, rectification, erasure, restriction, portability, and the right to object to processing. Our legal basis for processing is legitimate interest (analytics) and consent (newsletter). Contact us to exercise any of these rights.

7. Data Security

We take reasonable measures to protect your information, including using HTTPS encryption for all data transmission. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security of your data.

We retain email addresses for as long as you remain subscribed to our newsletter. Analytics data is retained for 26 months per Google Analytics default settings.

8. Children's Privacy

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

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of the site after changes constitutes acceptance of the updated policy.

For material changes, we will notify newsletter subscribers via email.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

• Email: [email protected]
• Website: www.dynamicrates.com

We will respond to all requests within 30 days.