HomeRates.ai – Privacy & Data Policy

1. Information We Do Not Collect

HomeRates.ai is designed as an educational tool and is not a mortgage application system. The platform does not request, collect, or store:

• Social Security numbers;
• credit reports or credit scores;
• tax returns, W-2s, or pay stubs;
• bank statements or account numbers;
• loan application forms or loan numbers;
• government-issued identification numbers.

Users should never enter sensitive personal financial information into the app. All mortgage applications and personal financial data must be handled directly and exclusively with a licensed mortgage lender through that lender's approved systems.

2. Information We May Collect

To operate and improve the service, HomeRates.ai may collect limited technical and usage information, such as:

• questions and prompts submitted to the AI;
• anonymized or pseudonymized interaction logs (for example, which features are used and how often);
• basic device or browser information;
• non-identifying technical data such as IP address and timestamps;
• optional user preferences or settings.

This information is used solely to maintain system performance, improve answer quality, and enhance the educational experience.

3. How We Use Collected Data

HomeRates.ai may use collected data to:

• improve answer accuracy and relevance;
• monitor system reliability and performance;
• identify and fix technical issues;
• understand which features are most helpful for users and prioritize future improvements;
• maintain security and prevent misuse of the platform.

HomeRates.ai does not sell user data and does not share personal financial information with third parties.

4. Data Storage & Security

HomeRates.ai is hosted on reputable cloud infrastructure providers that use industry-standard security measures. While no system can be guaranteed 100 percent secure, reasonable efforts are made to protect data against unauthorized access, loss, or misuse.

Interaction logs may be retained for a period of time to support troubleshooting, quality improvement, and internal analytics. These logs are not used to make lending decisions and are not shared with mortgage lenders for underwriting purposes.

5. Third-Party Services

HomeRates.ai may use third-party services for infrastructure, analytics, or AI processing (for example, hosting providers, logging tools, or AI model providers). These services may process limited technical data in order to operate the platform.

No third-party service is permitted to use HomeRates.ai data for marketing its own products to users, and no sensitive personal financial information is provided to such services through this app.

6. Cookies and Similar Technologies

HomeRates.ai may use cookies or similar technologies to support basic functionality (such as keeping a session active or remembering simple preferences). These are not used to track personal financial information.

7. User Control and Data Requests

Users may request that their identifiable usage data be deleted, where applicable, by contacting:

Email: support@homerates.ai

Depending on how access is provided, some data may be technically anonymized or aggregated and may not be individually identifiable.

8. Children's Privacy

HomeRates.ai is intended for adults and is not directed to children under the age of 18. We do not knowingly collect personal data from children.

9. Data Storage Statement

HomeRates.ai does not store, transmit, or process formal mortgage application data and does not act as a system of record for any mortgage lender. All data processed through the app is used solely to provide educational content and improve the performance of the platform.

10. Changes to This Policy

HomeRates.ai may update this Privacy & Data Policy from time to time. The most current version will always be available on this page. Continued use of the app after changes are posted constitutes acceptance of the updated policy.

11. Contact

For questions about this Privacy & Data Policy, you may contact:

Email: support@homerates.ai