Privacy Policy

1. Introduction

EZRateSheet ("we," "our," or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

2. Information We Collect

2.1 Information You Provide

We collect information you provide directly to us, including:

• Account registration information (name, email address, password)
• Profile information (company name, contact details, job title)
• Loan deal data (borrower information, property details, financial data)
• Communication data (support tickets, feedback, inquiries)
• Payment information (billing address, payment method details)

2.2 Information We Collect Automatically

When you use our Service, we may automatically collect:

• Usage data (features used, time spent, actions taken)
• Device information (IP address, browser type, operating system)
• Log data (access times, error logs, performance metrics)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our Service
• Process loan calculations and generate term sheets
• Manage your account and provide customer support
• Process payments and prevent fraud
• Send important updates and notifications
• Improve our Service and develop new features
• Comply with legal obligations and resolve disputes
• Conduct analytics and research to improve user experience

4. Information Sharing and Disclosure

4.1 Third-Party Service Providers

We may share your information with trusted third-party service providers who assist us in:

• Payment processing
• Cloud hosting and data storage
• Email communications
• Customer support services
• Analytics and monitoring

4.2 CRM Integration

When you choose to integrate with third-party CRM systems, we will share relevant deal data as configured by you to facilitate the integration.

4.3 Legal Requirements

We may disclose your information if required by law or in response to:

• Valid legal processes (subpoenas, court orders)
• Government investigations
• Requests from law enforcement agencies
• Protection of our rights and safety

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal data, including:

• Encryption of data in transit and at rest
• Secure access controls and authentication
• Regular security audits and monitoring
• Employee training on data protection
• Incident response procedures

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Factors that influence our retention periods include:

• Legal, regulatory, and compliance requirements
• Contractual obligations
• Business needs and legitimate interests
• User account status and activity

7. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal data:

• Access: Request access to your personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your personal data
• Portability: Request a copy of your data in a structured format
• Restriction: Request restriction of processing
• Objection: Object to certain types of processing
• Withdrawal: Withdraw consent where processing is based on consent

To exercise these rights, please contact us at privacy@ezratesheet.com.

8. Cookies and Tracking Technologies

8.1 Types of Cookies

We use the following types of cookies:

• Essential Cookies: Required for basic functionality
• Performance Cookies: Help us improve our Service
• Functional Cookies: Remember your preferences
• Analytics Cookies: Help us understand how you use our Service

8.2 Cookie Management

You can control cookies through your browser settings. However, disabling certain cookies may affect the functionality of our Service.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your data in accordance with applicable data protection laws.

10. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal data from children under 18. If we become aware that we have collected such data, we will take steps to delete it.

11. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect, use, and share
• The right to delete personal information we have about you
• The right to opt-out of the sale of personal information
• The right to non-discrimination for exercising your privacy rights

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending you an email notification
• Displaying a prominent notice in our Service

Your continued use of our Service after the changes take effect constitutes your acceptance of the revised Privacy Policy.

13. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at:

• Email: privacy@ezratesheet.com
• Support: support@ezratesheet.com
• Address: EZRateSheet Privacy Officer

14. Data Protection Officer

If you are located in the European Economic Area (EEA), you have the right to contact our Data Protection Officer with any questions or concerns about our data processing activities:

• Email: dpo@ezratesheet.com