Privacy Policy

Maxim Lending, Corp (NMLS# 2273788), operating QuoteMeRates.com ("we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit QuoteMeRates.comand submit a mortgage inquiry. Please read this policy carefully. If you disagree with its terms, please discontinue use of the site.

1. Information We Collect

We may collect the following categories of personal information:

• Contact Information: First name, last name, phone number, and email address.
• Property Information: Property address and loan purpose (purchase, refinance, cash-out, etc.).
• Financial Information: Estimated credit score range and debt-to-income information voluntarily provided.
• Uploaded Documents: Loan Estimate documents you choose to upload for rate comparison purposes.
• Technical Data: IP address, browser type, device type, pages visited, and referring URLs collected automatically via server logs and cookies.

2. How We Use Your Information

We use the information we collect to:

• Respond to your mortgage rate inquiry and provide personalized loan quotes.
• Contact you by phone, email, or text message regarding your inquiry, including via autodialed or prerecorded calls and messages, where you have provided consent.
• Review uploaded Loan Estimate documents to provide competitive rate comparisons.
• Send confirmation and follow-up communications related to your inquiry.
• Comply with applicable federal and state laws and regulations, including the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), and the Gramm-Leach-Bliley Act (GLBA).
• Improve our website and services.
• Prevent fraud and ensure the security of our systems.

3. Telephone Consumer Protection Act (TCPA) Consent

By submitting a quote request on this site and checking the consent box, you expressly consent to be contacted by Maxim Lending, Corp (NMLS# 2273788) and its representatives at the phone number and email address you provide, including via autodialed or prerecorded calls and text messages, regarding mortgage products and services.

Consent is not a condition of purchase or loan approval. You may revoke consent at any time by replying STOP to any text message, calling us at 1-888-345-9333, or emailing us at [email protected].

Message and data rates may apply. Message frequency varies. For help, reply HELP or contact us directly.

4. Sharing of Information

We do not sell your personal information to third parties. We may share your information in the following limited circumstances:

• Service Providers: Third-party vendors who assist us in operating our website and conducting our business (e.g., email delivery services), subject to confidentiality obligations.
• Legal Requirements: When required by law, court order, or governmental authority, or to protect our legal rights.
• Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets.
• With Your Consent: For any other purpose with your explicit consent.

5. Gramm-Leach-Bliley Act (GLBA) Notice

As a mortgage lender, we are subject to the GLBA. We collect nonpublic personal information about you from information you provide on applications or other forms, information about your transactions with us, and information from consumer reporting agencies. We do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

6. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You may request deletion of personal information we have collected, subject to certain exceptions.
• Right to Correct: You may request correction of inaccurate personal information.
• Right to Opt-Out: You have the right to opt out of the sale or sharing of your personal information. We do not sell personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise your California privacy rights, contact us at [email protected] or 1-888-345-9333.

7. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information. Uploaded documents are stored on secure servers and accessible only to authorized personnel.

8. Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to enhance your experience on our site, analyze site traffic, and understand where visitors come from. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of the site may not function properly without cookies.

9. Third-Party Links

Our site may contain links to third-party websites (such as NMLS Consumer Access and the Better Business Bureau). We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

10. Children's Privacy

Our site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete it.

11. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date. Your continued use of the site after any changes constitutes your acceptance of the revised policy. We encourage you to review this policy periodically.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: