Privacy Policy
Last Updated February 10, 2026
This Online and Mobile Application Privacy Notice describes the Privacy practices of Julia Leigh Felsman DBA the Workshop Team at Rate. Julia Leigh Felsman DBA the Workshop Team at Rate. (“The Workshop Team”, “Company”, “we”, “us”, or “our”) are committed to respecting your privacy and protecting your personal information no matter how you engage with us. We may interact with you in a variety of ways online or by mobile device.
This Online and Mobile Application Privacy Notice (“Online Privacy Notice”) explains how we collect, why we collect, how we disclose, use, share and protect your personal information when you visit our websites, download our mobile applications (“apps”), use our websites and apps to engage with us, apply for a service or product electronically, access your account electronically, view, or interact with our social media pages, as well as interactions you may have while viewing content provided through a digital advertising or marketing campaign (collectively, “Online Services”). It also explains information about the choices that you can make regarding your information. By using our Online Services, you agree to the collection, use, and disclosure of information in accordance with this Online and Mobile Privacy Notice.
PLEASE CAREFULLY READ THIS STATEMENT BEFORE USING THIS SITE, AS IT AFFECTS YOUR LEGAL RIGHTS AND OBLIGATIONS. CONTINUING TO NAVIGATE THIS SITE CONSTITUTES YOUR AGREEMENT TO THE TERMS OF THIS STATEMENT.
If you are a potential, current, or former customer, or you have applied for a product, read our Gramm Leach Bliley Privacy Notice to understand additional financial privacy practices that may apply to you.
If you are a California resident, please read our California Resident’s Privacy Notice.
If you are a Vermont resident, please read our Vermont Resident’s Privacy Notice.
We may change this Online and Mobile Privacy Notice from time to time. Any changes to this Online and Mobile Privacy Notice will become effective when posted unless indicated otherwise.
As you review this Online and Mobile Privacy Notice, please keep in mind:
• Each time you use or continue to use our Online Services, you are acknowledging and consenting to the collection, use, and disclosure of information about you as described in this Online and Mobile Privacy Notice.
• Our online products and services are intended for a U.S. audience. If you reside outside of the U.S., you understand and agree that your personal information may be transferred or processed in the U.S. If you are a non-U.S. resident who is interested in our products and services, please contact us at [email protected]. To learn more about how your personal information is treated and safeguarded, please contact us at: [email protected].
• Consent to Transfer: if you are located outside of the United States, please be aware that information we collect through the App will be transferred to and processed in the United States. By using the App or providing us with any information, you fully understand and unambiguously consent to this transfer, processing and storage of your information in the United States, a jurisdiction in which the privacy laws may not be as comprehensive as those in the country where you reside and/or are a citizen.
• Our Online site and Mobile Application services are not intended for children 17 years of age or younger. We feel strongly about protecting children’s privacy. We do not knowingly collect personally identifiable information from children. If you are 17 years old or younger, please do not provide us personally identifiable information of any kind.
• Third party links (including social media sites) appearing on our website or our mobile application have additional terms of use and privacy policies that may also apply to you. We are not responsible for third party sites or pages. Please review the privacy policies for the specific online sites you visit or use. We do not manage, and we are not responsible for the digital marketing and cookie practices of third parties. For example, third party website linked to or from our digital channels. The linked websites have separate and independent privacy statements, notices and terms of use, which you should read carefully.
• The Workshop Team at Rate operates as a division of Rate and provides mortgage-related information and services through licensed mortgage professionals. If you choose to apply for, obtain, or otherwise pursue a mortgage loan through Rate, your application, loan transaction, and related services will be subject to Rate’s applicable terms, conditions, disclosures, privacy policies, and other agreements in effect at the time of the transaction. By proceeding with a mortgage application or loan transaction through Rate, you acknowledge and agree to be bound by the terms and conditions provided by Rate. Current Rate terms and policies are available at rate.com and may be updated periodically.
How Do We Collect Information via our Online Website, through a Mobile Device or Application?
We collect personal information in a variety of contexts. We may collect personal information:
• Directly from you. You voluntarily provide personal information to us when you apply for our products online, subscribe to communications, email our representatives, create an account, use our mobile app, respond to surveys, participate in contests, sweepstakes, or promotions, provide feedback or engage in other similar activities.
• Automatically and passively when you use our Online Services. We collect device data, online/mobile activity data and other information, including when you visit our websites, download and use our mobile apps, and interact with our online ads.
• Third Party Content and Links From Third parties, including social media sites and apps. Our business partners, service providers, and other third parties we work with may provide information about you and your online and mobile activity. We may collect information about you when you interact with our pages, forum, or blogs on social media sites, such as YouTube, Twitter, Instagram, Facebook, and LinkedIn. What each social media site may disclose to us is subject to their privacy policies, terms of use, and the advertising settings.
We may combine and create inferences from the online information we collect with information we collect in other contexts, such as from phone calls, SMS text messages, e-mails, and other written correspondence, and in-person visits to our branches, open houses, or events.
What Information Do We Collect Online?
Information Collected from a PC, Tablet, or Mobile Device. We collect various types of personal information depending on how and to what extent you use our Online Services. When you browse our websites or use our mobile apps via a PC, tablet, mobile or other device, we may actively and passively collect:
• Device data. The types of data we may collect from your device include your device type, device identifiers, web browser type and version, operating systems type and versions, iOS or macOS, MAC ID, MAID ID, display/screen settings, language preferences, documents and photos stored in your device (e.g., to upload requested documents or identification cards we need to perform a service for you), internet protocol address (IP Address), mobile network information, mobile configuration data, general location (e.g., city, state, or country), geolocation/precise location (e.g., latitude/longitude), mobile advertising IDs (e.g. Apple’s IDFA or Google’s Ad ID), which version of our app is installed on your device, ISP or mobile carrier, mobile session ID and events (crash logs, up-time, run-time, and general performance and usage data) connections among different browsers and devices that you use (collectively “Device Data”).
• Important Note Regarding Location Data. When you access our online services or mobile app with your mobile device, location information may be available when your device communicates with a cell tower, Wi-Fi router or access point. Therefore, we may collect general location and geolocation information from the device you use when accessing our Online Services that tells us your approximate physical location. You control our ability to access your mobile location information. Refer to your device user guide and settings regarding how to allow, block, or limit collection of location information. If you choose not to provide location information, some Online Services may not operate correctly or be available to you.
• Online and mobile activity. We may collect your search history, information about how you use and interact with our Online Services or advertisements (such as, content viewed, links clicked, and features used), when and how often you use our Online Services, the webpage from which you clicked a link to visit our Online Services (e.g. referrer URL), browsing behavior within our websites and webpages, use of webtools (ex. Cookies and Pixel Tags), and feedback you may provide (collectively “Online Activity”).
Information We Collect
Our websites and mobile applications may collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, our websites may have collected the following categories of personal information from consumers since January 1, 2020. Though not all categories apply to an individual, customer or applicant, the summary purposes and uses for the information we collect are also listed.
CATEGORY
EXAMPLES
COLLECTED?
A. Identifiers
A real name, alias, postal address,
unique personal identifier, online
identifier, Internet Protocol address, email address, account name, SocialSecurity number, driver’s license number, passport number, or other similar identifiers
Yes
▪ Communicating with you
▪ Performing services
▪ Marketing our services
▪ Research and development
▪ Quality assurance
▪ Security/Fraud
▪ To comply with our legal obligations
B. Personal information categories
listed in the California Customer
Records statute (Cal. Civ. Code §
1798.80(e))
A name, signature, Social Security
number, physical characteristics or description, address, telephone
number, passport number, driver’s
license or state identification card
number, insurance policy number,
education, employment,
employment history, bank account
number, credit card number, debit
card number, or any other financial information, medical information, or health insurance information. Some personal information included in this
category may overlap with other
categories.
Yes
▪ Communicating with you
▪ Performing services
▪ Marketing our services
▪ Research and development
▪ Quality assurance
▪ Security/Fraud
▪ To comply with our legal obligations
C. Protected classification
characteristics under California or
federal law
Age (40 years or older), race, color,
ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
Yes
▪ Performing services
▪ Research and development
▪ Quality assurance
▪ To comply with our legal obligations
D. Commercial Information
Records of personal property,
products or services purchased,
obtained, or considered, or other
purchasing or consuming histories or tendencies.
Yes
▪ Communicating with you
▪ Performing services
▪ Marketing our services
▪ Research and development
▪ Quality assurance
▪ Security/Fraud
▪ Debugging
▪ To comply with our legal obligations
E. Biometric Information
Genetic, physiological, behavioral,
and biological characteristics, or
activity patterns used to extract a
template or other identifier or
identifying information, such as,
fingerprints, faceprints, and
voiceprints, iris or retina scans,
keystroke, gait, or other physical
patterns, and sleep, health, or
exercise data.
No
F. Internet or other similar network
activity
Information regarding interactions
with our website, mobile
applications, emails computer
systems, devices, or advertisements, internet protocol (IP) address, cookies, beacons, pixel tags, mobile ad identifier, or similar unique identifiers, including browsing or search history,
Yes
▪ Communicating with you
▪ Performing services
▪ Marketing our services
▪ Research and development
▪ Quality assurance
▪ Security/Fraud
▪ Debugging
▪ To comply with our legal obligations
G. Geolocation Data
Device location, IP address, physical location.
Yes
▪ Performing services
▪ Marketing our services
▪ Research and development
▪ Quality assurance
▪ Security/Fraud
▪ Debugging
▪ To comply with our legal obligations
H. Audio and Visual Information
Audio, electronic, visual or similar
information (e.g. when customer
interacts with employee regarding
product and services).
Yes
▪ Performing services
▪ Quality assurance
▪ Security/Fraud
▪ To comply with our legal obligations
I. Inferences drawn from personal
information
Derivation of information, data,
assumptions, or conclusions from
facts, evidence, or another source of information or data; a characteristic deduced about a consumer.
Yes
▪ Performing services
▪ Marketing our services
▪ Research and development
▪ Quality assurance
▪ Security/Fraud
▪ Debugging
▪ To comply with our legal obligations
J. Non-public education
information (per the Family
Educational Rights and Privacy Act
(20 U.S.C. Section 1232g, 34 C.F.R.
Part 99))
Education records directly related
to a student maintained by an
educational institution or party
acting on its behalf, such as
grades, transcripts, class lists,
student schedules, student
identification codes, student
financial information, or student
disciplinary records.
Yes
▪ Performing services
▪ To comply with our legal obligations
K. Inferences drawn from other
personal information
Profile reflecting a person’s
preferences, characteristics,
psychological trends,
predispositions, behavior,
attitudes, intelligence, abilities,
and aptitudes.
No
Personal information does not include:
• Publicly available information from government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA’s scope: Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; Personal information covered by certain sector- specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.
• We do Not Collect or Store Biometric Information via your use of Touch ID, Finger Print, Face ID Authentication Certain devices are eligible for enrollment in Touch ID®, Face ID® or fingerprint login. Fingerprint/Face ID Authentication is an optional authentication method offered to log in to Mobile App. It is available for iOS devices with Touch ID™ capability and Android devices that have compatible Fingerprint/Face ID support (running Android 6.0 or higher). While Fingerprint/Face ID is a biometric recognition feature, designed, released and trademarked by Apple Inc., we do not collect your biometric information nor store biometric information from you. Your Fingerprint/Face ID is stored on your device when you set up your Fingerprint/Face ID enabled device. Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Pay and Android is a trademark of Google Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd.
Information Use
Marketing: Use for "Marketing," as described in the chart above, means contacting you through means other than telephone (for example, email or postal mail) to offer and market to you services or products, including special offers or advertisements, any of which may be tailored to you.
Performing Services: Use for "Performing services" means using information about you to: (1) allow you to participate in the product, features, services we offer or to provide related customer service; (2) process your registration, including to verify that information you provide is valid; (3) process a transaction you initiate; (4) improve the App and our products, and for internal business purposes, including the measurement of the App's functionality and/or effectiveness; and (5) contact you with regard to your use of the App and, in our discretion, changes to our policies.
Research and development: We may use your personal information to combine and anonymize information about your interactions with Rate to create aggregate, anonymized statistics for use in research, education and for marketing, promoting, improving, and developing our platform. We may also use your personal information to improve and develop our products and services by anonymizing it for use in training artificial intelligence and machine learning models, as well as by assessing the use of and interactions with our Platform and certain content our customers submit, text, send or otherwise display through the Platform. We may also conduct data analytics to develop insights about your needs, and your preferences, so we can make more informed predictions, recommendations, and products for our customers.
Contests and Sweepstakes. When you participate in contests or sweepstakes, we may share personal data with service providers, or partners who assist in contest administration or prize fulfillment for contests and sweepstakes. Contests or sweepstakes are subject to and governed by this Privacy Policy and any other applicable rules or terms of conditions that the relevant third parties post and make available to you. By entering contests or sweepstakes, you agree to provide certain personal information, including but not limited to name and contact details. This information will be collected, stored, and used by the service provider or partner of the contest or sweepstakes, and done for the following purposes:
• To administer and manage the contest or sweepstakes, including verifying eligibility, contacting winners, and delivering prizes.
• To communicate updates, promotional offers, or future contests that may be of interest to participants, if they have provided consent.
• To analyze participation data and improve future marketing and promotional activities.
We do not sell or share a participants’ personal information with unaffiliated third parties except as necessary to administer the contest or sweepstakes or as provided by law. All data is handled in accordance with the Privacy Policy and applicable data protection laws of the provider or partner of the contest or sweepstakes. By submitting an entry, you acknowledge and consent to the collection and use of your personal information as described above. You may withdraw consent or request data deletion at any time by contacting the contest or sweepstakes provider or partner as described in its terms of use that it makes available to you.
Promotions. We may use personal information to provide promotional programs that we offer such as Rate Rewards. We provide these programs in collaboration with third parties who operate their own websites and mobile applications. Each program is subject to and governed by our Terms of Use, this Privacy Policy and any other applicable rules or terms of conditions that the relevant third parties post and make available to you.
In addition to the uses described above, to analyze our App, we may use various analytics services, which may independently collect Usage Information, set and access their own tracking technologies, and otherwise collect or have access to non-personally or personally identifiable information about you. We may also use your information for purposes disclosed at the time you provide your information, or with your consent.
Use of Artificial Intelligence
We are committed to responsible use of Artificial Intelligence (“AI”). We may use AI to process your personal information for purposes including but not limited to determining the product offerings marketed to you, providing communication through virtual chat bots, data analyses, synthesizing documentation and data, performing calculations and any such purposes to enhance your customer experience. We will not engage in such activities without your consent, or unless the processing is necessary for entering into a contract, product or service or for performance of a contract, product or service. Please note the use of automated decision making includes human oversight. When applicable, you also retain the right to request a human instead of automation such as with the use of a virtual chat bot.
We may also use AI-powered tools and products to support us in day-to-day work (e.g. to create summaries, optimize workflows, draft correspondence, translate text or generate images).
AI Virtual Assistants and Agents, Voice and Chat
Another use of artificial intelligence is with AI virtual assistants and AI agents. We may use virtual assistants and AI agents to help in addressing customer inquiries, requests and lending process. These virtual assistants and agents are AI-powered tools. They include voice and text conversational chat interfaces to assist you with loan applications, products or questions. They can perform routine tasks for account management such as transaction searches, billing, and interacting with, or transitioning to, human agents in products inquiries or requests for information.
• Model: The AI model is designed to help customers through the lending process. The AI model uses natural language processing to assist customers with inquiries, requests and loan management, via voice or text.
• Data Recording and Purposes: Voice conversations are recorded to improve accuracy, maintain records, and identify helpfulness in addressing requests and inquiries. Because the AI tool is designed to help customers through the lending process, certain personal information is collected to accomplish the request, inquiry or service. This AI tool also transcribes conversations to help our team members manage tasks and personalize customer interactions.
• Text Chats: The AI tool transcribes text chats to improve accuracy, maintain records, and identify helpfulness in addressing requests and inquiries. The transcripts help our team members manage tasks and personalize client interactions and improve our services.
• Protection of Your Data and Record Retention: Any personal data is either anonymized or masked in chat transcripts, including voice interactions. These transcripts and voice interactions are saved for up to 90 days for purposes of improving accuracy, analyzing customer needs and identify helpfulness in addressing requests and inquiries and improve our services.
• Data Sharing and Third-Party Vendor: For voice conversations, we use third-party service providers for providing these virtual assistant and agent tools for our services. This means we share your interaction data with our trusted third-party service providers who assist in powering our AI assistant technology. These vendors are strictly required to protect your data and are prohibited from using your data for any purposes other than those requested by us.
• User Rights and Controls: You have the right to:
-Opt-out: Request that your conversation not be used or subject to AI, and request a human being.
-Access and Delete: Request access to or deletion of your personal data, including chat history.
-Withdraw Your Consent: Stop using the AI service at any time.
Information Sharing for Legal Purposes
Sharing for "Legal Purposes," as described in the chart above, means we may disclose your information (i) if we are required or permitted to do so by law or legal process, (ii) to law enforcement authorities, or (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity.
In addition to the information sharing described in the chart above, we may also share your information with third parties with your consent or at your request, or as disclosed at the time you provide us with information. We also reserve the right to disclose and transfer your information if our Company goes through a business transition, such as a merger, acquisition by another company, sale of all or a portion of its assets, or other corporate change, including during the course of any due diligence process.
Information Sharing Non-Personal information
We may also share non-personal Information, such as aggregate user statistics (e.g., number of downloads and registrations, and most popular merchants), demographic information and Usage Information with and third parties, including advertisers, content providers, and analytics providers.
Third parties may collect non-personal Information when you download or use the App. Some third parties may collect your personal information when you visit the App. We do not control the information collection, use, or sharing practices of third parties, including analytics providers.
Retention and Deletion Practices
We retain your information only as long as necessary to provide the products and services for which the information was collected, to process and maintain a record of transactions, and as long as necessary for legal process or to satisfy government retention requirements. To determine whether the data is needed, we consider the reason your data was collected and used and any legal requirements to hold onto your data. We review your data periodically to ensure it is still needed to fulfill the purpose for which it was collected or any other legal requirements. When the retention period expires, we destroy data that was maintained in any form in a manner that renders it completely unusable and incapable of restoration.
Security
We take commercially reasonable security measures to help protect your information, both during transmission and once we receive it. However, no method of electronic transmission or method of electronic storage is 100% secure. Therefore, we cannot guarantee the security of any information you submit and you do so at your own initiative and risk.
Consent to Transfer
If you are located outside of the United States, please be aware that our products are intended for a United States audience. If you are located outside of the United States, be aware that any information we collect through the Mobile App will be transferred to and processed in the United States. By using the Mobile App or providing us with any information, you fully understand and unambiguously consent to this transfer, processing and storage of your information in the United States, a jurisdiction in which the privacy laws may not be as comprehensive as those in the country where you reside and/or are a citizen.
Online Employment Applicant Information.
If you are a Non-California resident and apply for employment online, we may collect personal information about you that includes personal identifier, work history, prior employer information, and education. If you are a California resident and you have inquired about or applied for a job with us, or are a former employee, please refer to our California Applicant Privacy Notice for more information.
Be aware that if you apply and/or disclose any personal information of another while using our Online Services, you represent that you are doing so with their permission, or you otherwise have the authority to do so. By continuing to use our Online Services, you permit us the use of the information in accordance with this Online Privacy Notice and applicable laws. If you do not have permission or authority to provide another’s information, please do not disclose their personal information to us.
How Do We Use Information We Collect from Online Services?
We may use the information we collect from you while using our Online Services as described below.
• To perform or fulfill the online service you requested. We use information to do business with you by providing our services to you and fulfilling your requests.
• To Provide necessary communications. We use information to inform you of a change that may impact you, including changes to our business, our contact information, or notifications related to your personal information.
• Protecting against fraud and business risks. We use information to monitor network activity logs, detect security incidents, conduct data security investigations, and protect against malicious, deceptive, fraudulent, or illegal activity. We may use your information to protect you, our company, our assets, or any individual or entity we feel, in our discretion, is at risk of being harmed.
• Advertising, marketing, and recommendations. We use information to stay engaged with you by sending you product offers, business and industry announcements, to display online advertising that may interest you, evaluate and improve the effectiveness of our marketing efforts, connect you with a professional within our organization, and push notifications and alerts through our apps.
• Conducting analytics and research. We use information to examine which parts of our websites or apps you find most useful, to monitor user interfaces and experiences, to test features and functionality, to perform debugging and error repair, and to analyze the use of our Online Services.
• Improving our products and services. We use information to personalize and enhance your online and mobile experience, reveal opportunities for business growth, and to develop new products and services.
• Aggregation and de-identification. We may use, modify, or disclose information in a way that removes a way to reasonably identify you to compile statistics, understand trends and volume usage of Online Services. Aggregated and de-identified information is not subject to any privacy notice.
• Carrying out legal and business purposes. We may use online information to comply with applicable laws, respond to civil, criminal, or regulatory complaints, lawsuits, subpoenas, or investigations, exercise our rights, perform audit/compliance/quality assurance activities, analyze business risks, and ensure compliance with our Terms of Use
• Data archival and retention. We may use or delete your information in accordance with our data retention policies and as otherwise permitted or required by law.
• Legitimate business purposes. We may use your information for any of our other legitimate business purposes not otherwise prohibited by applicable law.
How We Disclose Your Online Information
We do not sell Personal Information for Money. However, our use of tracking technologies may be considered a “sale” or “sharing” under California law. We share Personal Information with our Service Providers for the business purposes listed in the chart above. The categories of Personal Information we share for a business purpose include:
• Personal Identifiers
• Personal Records
• Characteristics of Protected Classes
• Purchase Information
• Internet or Online Information
• Geolocation Data
• Audio and Visual Information
• Employment Verification
• Education Information
• Inferences
Accordingly, we disclose information in a variety of different contexts as described below.
• Third parties with whom you authorize or direct us to disclose your information. We will disclose your information with a third party with your consent.
• Affiliated and related companies. We may disclose your information with our related companies, including our direct and indirect parents, subsidiaries and affiliates. If we are involved with a merger, acquisition, sale, dissolution, or liquidation of all or part of our business to another company, we may disclose your information with that company and its advisors before and after the transaction date. We may transfer or have transferred to us, all information collected about you to merge, transition, or wind-down a company’s activities. Customers can find additional information about how we collect and use your personal data here.
• Service providers, contractors, and vendors. We may disclose information with service providers or contractors, or they may disclose, collect, store, access, transfer, or otherwise process your information on our behalf to enable our Online Services. We require service providers or contractors to implement reasonable organizational controls to maintain the privacy and security of information provided to them.
• Marketing and marketing analytics. We may disclose information with third parties for marketing purposes, analytics, (ex: Adobe Analytics, Google Analytics). We may receive your information from a third party you authorized to share or sell your information.
• When you connect to our social media pages or forums. Our websites enable you to connect to our social media pages. We may provide opportunities for you to publicly post reviews, questions, comments, or suggestions, which may include personal information, such as your name or username. Anything you disclose in a public forum is public, so think carefully before you disclose.
• Government, regulatory, and court proceedings. We disclose information to government, regulatory, and throughout court proceedings to respond to their inquiries, enforce our terms and conditions, exercise or defend a claim or if we determine disclosure is necessary or appropriate to protect the life, safety, or property of ourselves or others.
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Online Tracking Technologies and Your Choices
When you visit our website or download our apps, we may use online tracking tools as described below.
• Server logs. Server logs automatically record information and details about your online interaction with us. We use this log information for administration and technical troubleshooting.
• Pixel tags. A Pixel Tag, (also called a Web Beacon or clear GIF), is an image or small string of code that may be placed in a website, advertisement, or email. It allows us to set and read cookies (described below) and transfer information to our server when you load a webpage or interact with online content. We, our service providers, and our subsidiaries may use pixel tags to summarize visitor patterns and to provide personalized services. We may also use Pixel tags to track visitor preferences or gather aggregated information about visitor usage.
• Third-party plugins. Our Online Services may include plugins from other companies. These plugins may collect information, such as information about the pages you visit, and disclose it to the company that created the plugin. Third party plugins are governed by the privacy polices’ of the company that created the plugin.
• SDK and Mobile Advertising IDs. Our mobile apps may include third-party development kits (“SDKs”) that allow us and our service providers to collect information about your mobile activity. Some mobile devices have a resettable advertising ID (e.g., Apple IDFA and Google’s Advertising ID) that allows us and our service providers to identify your mobile device for advertising purposes.
• Cookies. We utilize cookies on our website. Cookies are small text files that a website’s server stores in your web browser. Cookies allow us to recognize your device and store information about your location, account, and preferences. It does not collect or provide your name. It can be used to recognize you when you return to our websites as a repeat visitor or follow your interest. You may be able to control the use of some cookies through your web browser’s settings or by deleting them from your computer. Please note, use of Cookies will maintain session integrity, personal preferences, and enhanced security. If you delete Cookies from your browser, use of our Online Services will be limited.
• Session Replay Tools. We may use session replay tools to record user interactions (e.g. clicks, scrolls, pages viewed, time spent on pages or in mobile apps, links clicked and conversion information) but not sensitive information like passwords or financial information. This data is anonymized. This information is gathered to improve user online experiences, troubleshooting, diagnostics and analytics. This information may also be used to reconstruct and observe activity and targeted content about our services and products for us to better understand your online activity with us.
For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices. Your device may also include a feature ("Limit Ad Tracking" on iOS or "Opt Out of Interest-Based Ads" or "Opt Out of Ads Personalization" on Android) that allows you to opt out of having certain information collected through mobile apps used for behavioral advertising purposes. Certain state privacy laws also provide their residents with rights relating to submitting a direct opt-out for the sharing of personal information for purposes of cross-contextual, or interest-based, advertising. For more information, please see the Rate Privacy Pages.
• We and our service providers may collect information about your online activities across different websites, mobile apps, and devices over time for targeted advertising purposes.
• Global Privacy Controls. We implement Global Privacy Controls. This means that our websites do respond to browser do-not-track signals. If you have any question about such opt-out mechanisms, please contact [email protected].
For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices. Your device may also include a feature ("Limit Ad Tracking" on iOS or "Opt Out of Interest-Based Ads" or "Opt Out of Ads Personalization" on Android) that allows you to opt out of having certain information collected through mobile apps used for behavioral advertising purposes. Certain state privacy laws also provide their residents with rights relating to submitting a direct opt-out for the sharing of personal information for purposes of cross-contextual, or interest-based, advertising. For more information, please see the Rate Privacy Pages.
Choices You Have to Limit Sharing of Online Information
You may opt-out of certain electronic marketing communications and targeted advertising by clicking the opt-out button below or selecting unsubscribe within any marketing email communication you receive.
Please note you still may receive communications from us. Your opt-out may only apply to the specific browser or device from which you opt-out. You will need to opt-out separately on all of your browsers and devices. Further, the links provided in this section do not apply to physical mailings, telephone calls, or text. To opt-out of other methods of communications, please contact us
at [email protected].
You may also have the choice to limit sharing of online information as described below.
• Do Not Track Signals. Some Internet browsers can communicate your privacy preferences to the websites you visit, like, requests not to track your usage and browsing history. Our websites do respond to “do not track” opt-out mechanisms and signals to prevent online advertising to you. We utilize the established industry mechanisms. You can also limit the amount of online advertising you receive by visiting one or both of these examples:
• https://optout.networkadvertising.org
• https://youradchoices.com/control
• Cookies. Cookies are small pieces of information that a Web site stores on a visitor’s web browser to remind the site about the visitor the next time they visit the site. We do not store sensitive information in cookies. We use cookies to enhance our customers’ online experience for making navigation easier, providing products and providing certain important security features. For example, terminating a session if a customer forgets to log-out. You may be able to control the use of certain cookies by following the instructions set forth in your web browser’s settings. For example, you may be able to set your browser so that it notifies you before accepting a cookie, so that you can control whether you accept or reject a cookie. Each browser is different so check the “help” menu of your browser to learn about how to change your cookie preference.
• Electronic Marketing Communications. You have the choice to tailor how we provide electronic marketing communications to you. You have the option to opt-out, subscribe, or re-subscribe to our marketing communications. There are two ways to unsubscribe from our email marketing communications:
1 . Send an email to: [email protected]
2 . From one of our emails, open the email, towards the bottom of the email, Click the “Unsubscribe” link. Please allow 10 days for the completion of your request.
Note, this opt-out method is only applicable to marketing emails. This opt-out and unsubscribe method will not impact telephone calls, mailing lists, or text messages you may receive from us. This opt-out will also not apply to transactional or relationship related emails we send related to our services or to provide you various services.
• Interest-Based Advertising or Online Behavioral Advertising. You may see our advertisements on other websites. These advertisements are based on your Internet browsing history across different websites or platforms. We or third parties we contract with collect information in this way to advertise more effectively. You can control your choice to opt-out of interest-based advertising in the following ways.
1 . You can opt-out from the specific advertisement itself. Advertisements that utilize interest-based advertising will have an “Advertising Option” icon in the advertisements. Once you click on the icon, you will have an option to opt-out.
2 . On some mobile device, Android or iOS phones may have capabilities to limit receiving interest-based advertisements located in your phone’s settings.
3 . Through advertising industry and trade regulatory agencies, operated by the Network Advertising Initiative or Digital Advertising Alliance and following their instructions on how to opt-out of interest-based advertising.
• Preferences in Your Mobile Device. You may be able to control other preferences on your mobile device. Your device’s setting may allow you to reject push notification and limit our app’s access to other information on your mobile device. Note, this may result in the loss of app functionality or our ability to provide Online Services to you through a mobile device.
COLORADO, CONNECTICUT, UTAH, VIRGINIA RESIDENTS
Colorado, Connecticut, Utah, and Virginia law require certain disclosures for companies that "sell" personal information pursuant to the respective state's privacy law. Each state defines the "sale" of data differently. Colorado, Connecticut, Utah, and Virginia define the "sale" of data as a company exchanging personal information for monetary consideration with a non-affiliated third party.
Under Colorado, Connecticut, Utah, and Virginia law, we do not "sell" your personal information.
Vermont Residents
If you are a resident of Vermont, we will not share personal information we collect about you with non-affiliates unless the law allows or you provide authorization.
North Dakota Residents
If you are a resident of North Dakota, we will not share personal information we collect about you with non-affiliates unless the law allows or you provide authorization.
Nevada Residents
This section applies only to Nevada residents. Nevada residents may elect to opt-out of the sale of their Personal Information. To make a request, please contact us as described in the How to Contact Us section, below. Indicate in your email or letter that you are a Nevada resident.
Colorado Privacy Act (CPA)
This section applies only to Colorado residents. Colorado residents have the following rights to:
• opt-out of the processing of personal data
• have inaccuracies in their Personal Information be corrected
• request deletion of their Personal Information held by us
• obtain a portable copy of the data
Texas Data Privacy and Security Act (TDPSA)
This section applies only to Texas residents. Texas residents have the following rights to:
• opt-out of the processing of personal data
• have inaccuracies in their Personal Information be corrected
• request deletion of their Personal Information held by us
• obtain a portable copy of the data
• right to appeal a decision made by the company
• request no more than twice in a twelve month period.
California Residents
If you are a resident of California, we will not share personal information we collect about you unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits to which you are entitled. We also limit sharing among our Affiliates to the extent required by California law. For example, we may share minimal California resident personal information with Affiliates who may be able to provide a complementary or related service to you and market those products or services to you. We may share information with our partners if we believe the disclosure is reasonably necessary to protect us, users of our Services, or the public from harm, fraud, or potentially prohibited or illegal activities. You may visit our California Applicant Privacy Notice which provides more information about California residents and their rights under the applicable laws.
California residents also have specific privacy rights provided by the California Consumer Privacy Act (CCPA), as it may be amended from time to time. These include: (1) the right to request information from us regarding what categories of personal data we have collected about you; (2) the right to request a copy of the specific personal information collected about you during the last 12 months; (3) a limited right to have such information deleted (with exceptions); (4) the right to request that your personal information not be sold to third parties, if applicable; and (5) the right not to be discriminated against because you exercise your rights.
California residents have the right to request deletion of personal data that has been collected within the last 12 months. There are circumstances where the law may not permit or require removal in certain circumstances. You may visit our California Applicant Privacy Notice for more information about California residents and their rights under the applicable laws.
To exercise these rights or to inquire about privacy protection at the Company, you may visit Do Not Sell or Share Data
California’s Shine the Light Law
Under California Civil Code Section 1798 (California’s Shine the Light Law), California residents with an established business relationship with us can request information once a year about sharing their personal data with third parties for the third parties’ direct marketing. If you are a California resident and want to request information from us based on the Shine the Light Law, you can do so via the Contact Information below.
Applicable California law requires that a business must verify the identity of the requesting individual and respond. Absent an extension, applicable California law requires a business substantively respond to a consumer request to know, delete, and/or correct inaccurate information within 45 days of receipt of the request. On average, we process and respond to each request in less than ten days.
SMS Terms
PLEASE READ THESE TERMS OF USE CAREFULLY, as they contain an agreement to arbitrate and other important information regarding your legal rights, remedies, and obligations. The Agreement to arbitrate requires (with limited exception) that you submit claims you have against us to binding and final arbitration. Additionally, (1) you will only be permitted to pursue claims against Julia Leigh Felsman, DBA The Workshop Team at Rate, Inc. on an individual basis, not as a plaintiff or class member in any class action or representative action or proceeding; (2) you will only be permitted to seek relief (including monetary, injunctive, and declaratory relief) on an individual basis, and (3) you may not be able to have any claims you have against us resolved by a jury or in a court of law.
Agreement to Arbitrate: This agreement to arbitrate is referred to and these Terms of Use as the “Arbitration Agreement.” You agree that any and all disputes, claims or controversies arising out of or relating to this Arbitration Agreement or the relationship between me, on the one hand, and Guaranteed Rate, Inc. or its parents, subsidiaries or affiliates (collectively “COMPANY”), on the other hand, whether based in contract, tort, statute (including the Telephone Consumer Protection Act and similar federal and state laws and regulations), fraud, misrepresentation or any other legal theory – including, but not limited to, claims relating to my account, Julia Leigh Felsman, DBA The Workshop Team at Rate products and services and communications from or on behalf of Guaranteed Rate, Inc. (“Disputes”) – shall be submitted to American Arbitration Association (“AAA”), or its successor, for confidential, final and binding arbitration to be resolved by a single arbitrator in accordance with the terms of this Arbitration Agreement. You further agree that the arbitration will take place on an individual basis, and that by entering this Arbitration Agreement, you and the Company agree to waive any right to a trial by jury and to participate in any class action. For avoidance of doubt, you agree to give up the ability to bring a lawsuit in court (except small claims discussed below); and you are giving up the ability bring or participate in a class action in any form or forum, even if your Dispute is determined not to be subject to arbitration. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.
Prohibition of Class and Representative Actions and Non-Individualized Relief: YOU AND COMPANY AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND COMPANY AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION. THIS ARBITRATION AGREEMENT DOES NOT PRECLUDE YOU FROM BRINGING ISSUES TO THE ATTENTION OF FEDERAL, STATE, OR LOCAL AGENCIES, AND SUCH AGENCIES CAN, IF THE LAW ALLOWS, SEEK RELIEF AGAINST COMPANY ON YOUR BEHALF.
Arbitration Procedures: Arbitration will be conducted under AAA Streamlined Rules and comply with the AAA Consumer Minimum Standards. The arbitrator shall have exclusive authority to resolve disputes relating to the terms of this Agreement.
Governing Law: The formation, existence, construction, performance, and validity of this agreement shall be governed by the laws of the State of Illinois and the United States, without reference to choose or conflict of law principles.
About Our Text Messages
Texting provides an easy way to get alerts about promotional and mortgage and payment information from almost any mobile device or cell phone at a number you provide. Messaging frequency varies for each customer.
Will it cost anything? We will not charge you to send or receive text messages from us; however message and data rates may apply depending on the wireless plan that you have with your carrier.
Privacy Policy and Opting In: You agree to Julia Leigh Felsman, DBA The Workshop Team at Rate's Privacy Policy by granting consent for SMS texting. . By opting in to SMS texting, you agree to the terms of the privacy policy.
You can subscribe by texting START to our designated number. To unsubscribe, text STOP. For assistance, text HELP or contact our Customer Service.
What if I want to stop receiving messages? If you wish to stop receiving text messages from us, you may unsubscribe by texting the word STOP or by email to [email protected]. Julia Leigh Felsman, DBA The Workshop Team at Rate will honor your request within a reasonable time.
What if I want to re-subscribe? You can start receiving SMS messages by texting the word START.
What if I have questions? You may text the word HELP for more information.
Command Terms Outside of the Commands mentioned below, any other keyword you may use may not be recognized or accepted.
Disclaimers and Licenses: Julia Leigh Felsman, DBA The Workshop Team at Rate is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Rate will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. Guaranteed Rate, Inc. is a licensed mortgage lender. The following states require disclosure of licensing information that can be found by clicking here.
Additional Disclosures: By signing up for texting, you provide consent for us to contact you about loan-related information and services. Message and data rates may apply. Mobile information collected for SMS will not be shared with third parties nor sold for marketing/promotional purposes.
Changes to Our Privacy Notice
We reserve the right to amend this Online and Mobile Application Privacy Notice at our discretion and at any time. When we make changes to this Online and Mobile Application Privacy Notice, we will post the updated Notice on the Websites and update the Notice’s effective date. Your continued use of our Websites and Mobile Application following the posting of changes constitutes your acceptance of such changes.
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© Copyright 2026 Julia Leigh Felsman. This website is not a solicitation for business. All information provided in website is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. There is no guarantee the quality, accuracy, completeness or timelines of the information on this website. While efforts are made to verify the information provided, the information should not be assumed to be error free. This website in no way represents the views of Rate, Inc.