OUR PRIVACY POLICY

Guaranteed Rate, Inc. is committed to protecting consumers' and borrowers' non-public personal information at all times. To that end, we employ and maintain extensive physical, electronic, and procedural safeguards to ensure your non-public personal information is protected as a customer of Guaranteed Rate, Inc. In addition, we monitor technical enhancements and practices in the field of information security and privacy to ensure our safeguards remain an effective tool in protecting your non-public personal information.

How and Why We Collect Personal Information:

You provide nonpublic personal information to us so that we may help you try to meet your financial goals. Such information allows us to process your requests and transactions, keep you apprised of products and services that may be of interest to you, and enhance customer service by better understanding your financial needs. This information may include:

Information we receive from you on applications or other forms (such as phone, Social Security and account numbers, assets, income and employment history);
Information about your transactions with us, our affiliates or others (such as your loan balance, payment history and other account information);
Information we receive from mortgage settlement service providers (such as consumer reporting agencies);
Information collected from your web browser when you visit our websites (such as date, time and areas of our websites that were visited).

Information We Collect When You Browse Our Website

We do not access information about your identity while you browse our website. Although we collect information about the date, time and area of our website that you visited, you remain anonymous to us. Only if you decide to apply for a loan with us directly or through a broker, do we collect any personally identifying information about you.

Categories of Affiliates and Non-affiliated Third Parties that Receive Information from Guaranteed Rate, Inc.:

We may disclose nonpublic personal information about you to the following types of affiliates (within the Guaranteed Rate, Inc. family of companies) and nonaffiliated third parties (outside the Guaranteed Rate, Inc. family of companies):

Financial service providers, such as mortgage lenders, mortgage bankers, banks, securities brokers, tax preparers, financial advisors and insurance agents.

We may also disclose nonpublic personal information about you to affiliated and non-affiliated third parties as permitted by law. Affiliates and non-affiliated third parties that receive your nonpublic personal information agree to keep that information confidential and to use it for only the function that we ask them to perform.

Third Party Services and Agreements:

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing or purchaser or seller agreements.

How We Protect Your Personal Information and Your Privacy:

We restrict access to nonpublic personal information about you to those employees and agents who we determine need to know that information to provide products or services to you, service your account, or maintain the systems that support your account. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public information.

Does Guaranteed Rate Share My Personal Information with Third Parties?

Guaranteed Rate shares nonpublic personal information:

To companies involved in the loan process such as appraisers, title companies, credit reporting companies and insurance companies and mortgage investors and mortgage servicers who are a necessary part of the mortgage transaction and therefore we must provide some of your information to these companies in order to process and fund your loan.
With service providers that assist us with processes or functions. This includes overseas service providers for the processing or underwriting of loans.
When you explicitly instruct us (Opt-In) to forward your application to another lender. Example: You may consider it beneficial for us to forward you loan application to another lender who may be able to help you in the event we are unable to offer you a loan that meets your needs. You may find this convenient since it means you may not need to search for another lender or complete another loan application. If you are interested in this benefit, you will be afforded to opportunity to opt-in at the end of the loan application.

Notice to California, New Mexico, North Dakota and Vermont Residents:

The information sharing practices described above are in accordance with Federal law. State law in Vermont, North Dakota, New Mexico and California, places additional limits on sharing information. In accordance with these laws, Guaranteed Rate will not share information we collect except:

As required or permitted by law (such as in response to a subpoena) or;
To companies that perform services on our behalf or;
With your authorization or consent.
or notify the address below:

Who Can I Contact For Privacy Related Issues?

You can contact us by mail at:
Guaranteed Rate, Inc.
Attn: Compliance Officer
3940 N. Ravenswood
Chicago, IL 60613