Privacy Policy

This Privacy Notice describes how RateIQ, Inc. ("RateIQ," "We," "Us," or "Our") collects, shares, and uses information about you ("You"). It applies to your use of our website, platform, and any services that link to this Privacy Notice (collectively, the “Service”). It does not apply to our offline data practices unless stated otherwise.

By using the Service, you agree to our Terms of Service and consent to the data practices described in this Privacy Notice.

1.1 Information You Provide to Us. We collect information you submit directly through the Service, including when you register for an account, link your email or financial accounts, upload merchant statements, communicate with us, or request support.

Types of personal information collected may include:
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-Name, email, phone number
-Business information (e.g., business name, industry, processing volume)
-Login credentials
-Payment card or bank information (for premium services)

1.2 Information We Automatically Collect. We and our service providers may automatically collect information when you access the Service, such as:

-IP address and device ID
-Browser type and operating system
-Pages viewed and time spent
-Cookies and tracking technologies (e.g., web beacons, embedded scripts)

1.3 Information from Other Sources. We may combine information we collect from you with information we receive from financial institutions, marketing partners, or publicly available databases to enhance our Service.

We may use your information to:

-Provide and improve our Service and analytics
-Send service updates, alerts, or account-related notices
-Analyze credit card processing fees, detect rate changes, and identify hidden fees
-Offer insights, suggestions, or comparisons
-Comply with applicable laws and enforce our Terms of Service
-Prevent fraud and unauthorized access

We may share your information with:

-Trusted third-party service providers who support our operations (e.g., cloud hosting, email delivery)
-Law enforcement or regulatory authorities if legally required
-In the event of a corporate transaction (e.g., merger or sale)
-Our affiliates for internal purposes
-With your explicit consent

We do not sell your personal data. We may share de-identified or aggregated data for analytics or benchmarking.

If you participate in a RateIQ survey, promotion, or contest, we may collect personal information to administer the activity and share it with trusted partners or as required by law.

Our Service may contain links to third-party websites or offer integrations with third-party services (e.g., Gmail, QuickBooks). Your use of such features may result in data being shared with those parties, governed by their privacy policies.

We may use analytics providers (e.g., Google Analytics) and advertising partners to understand user activity and improve our services. These services may use cookies and similar technologies to collect data about your interaction with our site and others. You can control cookies via browser settings.

-Review and Edit: You can access or modify your personal data by logging into your account or emailing us at support@rateiq.org.
-Tracking: You may disable cookies via your browser. However, this may affect your experience.
-Marketing: You can opt out of promotional emails at any time.

RateIQ is not intended for children under 13. We do not knowingly collect data from children. If we learn that we have collected personal data from a child under 13, we will delete it promptly.

California residents may request information about how we share personal information for marketing purposes or opt out of such sharing by contacting us at support@rateiq.org. Requests must include “California Privacy Rights Request.”

RateIQ is based in the United States. If you use our Service from outside the U.S., your data will be transferred to and processed in the U.S. in accordance with this Privacy Notice.

We implement reasonable safeguards to protect your personal data, but no system is 100% secure. You use the Service at your own risk.

We may revise this Privacy Notice from time to time. If changes are significant, we may notify you by email or a banner notice. Your continued use of the Service constitutes your acceptance of any updates.

If you have questions or concerns about this Privacy Notice, please contact us at:

support@rateiq.org