Privacy Policy

This Privacy Policy describes how RefiCompareNow ("RefiCompareNow," "we," "us," or "our") collects, uses, discloses, and protects information when you visit our website or use our online lender comparison tool. RefiCompareNow is a United States-based online marketing affiliate that connects consumers with a network of refinance lenders. We are not a lender, broker, financial advisor, or loan originator, and we do not make credit decisions.

By using the site, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the practices described here, please do not use the site or submit information through the online form.

Information We Collect

We collect two general categories of information: information you provide directly and information that is collected automatically when you interact with the site.

Information you provide. When you use our online lender comparison tool, you may submit information such as your name, email address, telephone number, mailing address, property address, property type and value estimate, current mortgage balance, estimated credit standing, employment status, and the type of refinance product you are exploring. You may also provide information when you contact us by email or by responding to a customer-support communication.

Information collected automatically. When you visit the site, we and our service providers may automatically collect certain technical and usage information, including your IP address, device identifiers, browser type and version, operating system, referring and exit pages, pages viewed, time spent on the site, links clicked, general geographic location inferred from your IP address, and the date and time of your visits. This information is collected through cookies, web beacons, pixels, analytics scripts, and similar technologies.

We do not knowingly collect Social Security numbers, full account numbers, or other sensitive personal information through the online form. Any such information that is required to complete a refinance is requested directly by the lender during their own offer-preparation process.

How We Use Information

We use the information we collect for the following purposes:

Routing requests to lenders. Information you submit through the online form is transmitted to one or more lenders in our network so that they may prepare and present offers to you for comparison. The handling of your information by each lender is governed by that lender's own privacy practices.

Site analytics and performance. We use technical and usage information to understand how visitors interact with the site, measure traffic sources and content performance, diagnose technical problems, and improve the overall user experience.

Fraud prevention and security. We may use information to detect, investigate, and prevent fraudulent submissions, abusive use of the site, or activity that violates our Terms of Service or applicable law.

Legal compliance. We may process information to comply with applicable laws, regulations, court orders, subpoenas, or other valid legal requests, and to enforce our agreements.

Service improvement and communications. We may use information to respond to your inquiries, follow up on your comparison request, and send you operational messages relating to that request. Where permitted by law, we may also use contact information to send you informational or promotional messages about products and services that may interest you; you may opt out of such messages at any time.

Information Sharing

We share information with the following categories of recipients:

Lenders in our network. When you submit the online comparison form, the information you provide is shared with lenders in the network for the purpose of preparing offers and contacting you about those offers. Each lender's use of your information is governed by its own privacy practices, which you should review separately.

Service providers. We may share information with third parties that perform services on our behalf, including website hosting, analytics, advertising attribution, email delivery, customer support, and security services. These providers are permitted to use information only to perform their services for us and are required to protect the information consistent with applicable law.

Legal and protective disclosures. We may disclose information when we believe in good faith that disclosure is necessary to comply with a legal obligation, respond to a court order, subpoena, or other valid governmental request, enforce our Terms of Service, protect the rights, property, or safety of RefiCompareNow, our users, or others, or investigate suspected fraud or wrongdoing.

Corporate transactions. If RefiCompareNow is involved in a merger, acquisition, financing, reorganization, or sale of all or part of its assets, information may be transferred to the successor entity as part of that transaction, subject to this Privacy Policy or a successor policy.

RefiCompareNow does not sell personal information to unaffiliated third parties for their own independent marketing purposes without disclosure to you. We may receive compensation from lenders in the network when consumers request offers through the comparison tool, and such compensation may affect which lenders appear and the order in which they appear.

Cookies and Tracking

We and our service providers use cookies and similar technologies, including first-party and third-party cookies, web beacons, pixels, and local storage, to operate the site, remember your preferences, measure performance, and attribute consumer requests accurately within the lender network.

Cookies fall into several categories on our site. Strictly necessary cookies enable basic site functionality and cannot be turned off in our systems. Analytics cookies help us understand aggregate usage patterns so we can improve the site. Attribution cookies allow us to identify the source of a visit so that compensation and reporting flow correctly between marketing partners. Advertising cookies, where used, support measurement of advertising effectiveness.

You can control cookies through your browser settings, including by refusing cookies, deleting cookies, or being notified when cookies are set. Some web browsers and devices offer additional privacy controls, such as "Do Not Track" signals; because there is no consistent industry standard for responding to such signals, we do not currently respond to them. Disabling cookies may degrade certain features of the site, including the functioning of the online form.

Your Choices

Subject to applicable law and our recordkeeping obligations, you may request to access, correct, or delete information you have submitted to RefiCompareNow. To make such a request, please contact us using the details provided below. We will take reasonable steps to verify your identity before responding to a request and will respond within the time period required by applicable law.

If you receive informational or promotional email messages from RefiCompareNow, you may opt out of further such messages by following the unsubscribe instructions included in each message. Even if you opt out of promotional communications, we may continue to send you operational messages relating to your use of the site or your comparison request.

You may also adjust cookie and tracking preferences through your browser controls as described in the Cookies and Tracking section above. Note that opting out of cookies, tracking, or specific lenders does not delete information that has already been transmitted to lenders in the network; to request changes to information held by a specific lender, please contact that lender directly.

California Privacy Rights

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, the "CCPA"), provides you with specific rights regarding your personal information. Subject to the CCPA's exceptions and verification requirements, you have the right to: (i) know the categories and specific pieces of personal information we have collected about you, the categories of sources, the business or commercial purposes for collection, and the categories of third parties to whom we disclose personal information; (ii) request that we delete personal information we have collected from you; (iii) request that we correct inaccurate personal information; (iv) opt out of the "sale" or "sharing" of personal information as those terms are defined under the CCPA; and (v) not receive discriminatory treatment for exercising any of these rights.

To exercise these rights, please contact us using the details provided in the Contact Us section. We will verify your request using information you submit and information we already hold. You may also designate an authorized agent to make a request on your behalf; we may require the agent to provide written authorization and may require you to verify your identity directly.

If you are a resident of another state with comparable privacy legislation, you may have similar rights under your state's laws. We will respond to verifiable requests consistent with the requirements of applicable state law.

Children's Privacy

The site is directed to adults who are at least 18 years of age and is not intended for use by children or minors. We do not knowingly collect personal information from individuals under the age of 18. If you are under 18, please do not submit any information to RefiCompareNow.

If we learn that we have inadvertently collected personal information from someone under the age of 18, we will take reasonable steps to delete that information from our records. If you are a parent or legal guardian and believe we may have collected information from a minor in your care, please contact us so that we can take appropriate action.

Changes to This Policy

RefiCompareNow may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the effective date at the bottom of this Policy and, where appropriate, provide additional notice through the site.

We encourage you to review this Privacy Policy periodically. Your continued use of the site after the effective date of an updated Privacy Policy constitutes your acceptance of the updated terms.

Contact Us

If you have questions, comments, or requests regarding this Privacy Policy or our information practices, please contact RefiCompareNow at the contact details published on the site. We will respond to verified requests within a reasonable timeframe consistent with applicable law.

Effective date: 2026-05-14