0 Rate Mortgage ("we," "our," or "us") values your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our website at https://0ratemortgage.com/, our services, or communicate with us.
1. Information We Collect
Personal information you provide (name, email, phone number, address, Social Security Number, date of birth, employment information, income details, etc.).
Financial information related to mortgage applications (credit history, assets, liabilities, bank statements, tax returns, etc.).
Property information (property address, purchase price, property type, intended use).
Transaction details related to your mortgage application and loan process.
Technical information (IP address, browser type, cookies, usage data, device information).
Communication records (emails, SMS messages, phone calls, chat transcripts).
2. How We Use Your Information
To process and evaluate your mortgage application.
To provide and improve our mortgage services and 0% interest loan programs.
To verify your identity and prevent fraud.
To communicate with you about your application status, loan terms, and closing process.
To send updates, promotions, and marketing communications (if you have consented).
To comply with legal and regulatory obligations, including federal lending laws.
To conduct credit checks and underwriting assessments.
To maintain records as required by law.
3. Sharing Your Information
We do not sell your personal data.
We may share information with trusted third parties necessary for mortgage processing, including:
Credit bureaus and reporting agencies
Underwriters and loan processors
Title companies and escrow services
Appraisers and home inspectors
Insurance providers
Legal and financial advisors
IT service providers and data storage companies
Government agencies and regulators as required by law
We may disclose data if required by law, court order, or to protect our legal rights.
4. Data Security
We implement reasonable security measures to protect your sensitive financial and personal information, including encryption, secure servers, and access controls. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
5. Data Retention
We retain your information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Mortgage-related documents may be retained for several years as required by federal and state regulations.
6. Your Rights
Access, correct, or delete your personal information (subject to legal retention requirements).
Opt out of marketing communications at any time.
Request information about how your data is used and shared.
Withdraw consent for data processing where applicable.
7. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and improve our services. You can manage cookie preferences through your browser settings.
8. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted on our website at https://0ratemortgage.com/ with the effective date. Your continued use of our services after changes constitutes acceptance of the updated policy.
10. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:
Effective Date: October 7, 2025