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This Privacy Policy details certain policies implemented throughout LowestRates.com, governing LowestRates.com's use of personally identifiable information about users of our Site and users of services available through this site (the “Services”).
Due to the Internet's rapidly evolving nature, LowestRates.com may need to update this Privacy Policy from time to time. If so, LowestRates.com will post its updated Privacy Policy on our Site located at www.LowestRates.com and we may send registered users an e-mail, so you are always aware of what personally identifiable information we may collect and how we may use this information. If any modification is unacceptable to you, you should cease using this Site and the Services. If you do not cease using this Site and the Services, you will be deemed to have accepted the change.
If you have questions or complaints regarding our privacy policy or practices, you may contact us the following ways:
1. By email: info@lowestrates.com
2. By regular mail: Lowest Rates Inc., 1910 Yonge Street, Suite 401, Toronto, ON Canada M4S 3B2
You can generally visit our site without revealing any personally identifiable information about yourself. However, in certain sections of this site and when you use our services, we may invite you to contact us with questions or comments, request quotes or information, post content and other materials, participate in a user forum or blog, or complete a registration form.
Due to the nature of some of these activities, we may collect personally identifiable information that you submit such as your name, contact data (address, e-mail address, phone number), gender, social security number, driver’s license number, income level and other financial information, license information, username, password, age or date of birth and employment information. We may also collect additional personally identifiable information that you voluntarily include in your postings or transmit with your communications to us. Other users will be able to view who has posted certain content or documents.
We may use your personally identifiable information to deliver requested services or information, provide you, or have our Third Party service partners (as described in the Disclosure Section below) provide you, with notices regarding goods or services you may be interested in purchasing in the future, register you to use our site and services, verify your authority to enter our site and to improve the content and general administration of the site and our services.
LowestRates.com recognizes the privacy interests of children and we encourage parents and guardians to take an active role in their children's online activities and interests. This Site is not intended for children under the age of 13. LowestRates.com does not target its Services or this Site to children under 13. LowestRates.com does not knowingly collect personally identifiable information from children under the age of 13.
We may use small text files called cookies to improve the overall site experience. A cookie is a piece of data stored on the user's hard drive containing information about the user. Cookies generally do not permit us to personally identify you.
The site may track the total number of visitors to our site, the number of visitors to each page of our site, browser type, and IP addresses, and we may analyze this data for trends and statistics in the aggregate, but such information will be maintained, used and disclosed in aggregate form only and it will not contain personally identifiable information. We may use such aggregate information to analyze trends, administer the site, track users' movement, and gather broad demographic information for aggregate use.
We may provide your personally identifiable information and the data generated by cookies and the aggregate information to the vendors and service agencies that we may engage to assist us in providing our services to you. We may disclose your personally identifiable information and your communications on this site when we reasonably believe we are required to do so by law, or when we deem it appropriate or necessary to provide such information to law enforcement authorities.
We will not sell your personally identifiable information to any company or organization except we may transfer your personally identifiable information to a successor entity upon a merger, consolidation or other corporate reorganization in which LowestRates.com participates or to a purchaser of all or substantially all of LowestRates.com's assets to which this site relates. When you request a quote, make an inquiry about products, services and information on this site, you are expressly choosing to, and opting-in to, have LowestRates.com transfer your personally identifiable information to our third party service partners and for such third party service partners to provide your personally identifiable information to other businesses who provide financial products or services (such as loans and mortgages) that match your inquiry. The Third Party service partners may contact you regarding your inquiry and financial products and services.
When you request a quote, make an inquiry about products, services and information on this site, you are expressly choosing to, and opting-in to, have LowestRates.com transfer your personally identifiable information to our third party service partners and for such third party service partners to provide your personally identifiable information to other businesses who provide financial products or services (such as loans and mortgages) that match your inquiry. The Third Party service partners may contact you regarding your inquiry and financial products and services. In addition, if you have given us permission to share your Personal Information by clicking on the appropriate box and Submit button on the Site, we may occasionally make that Personal Information available to other affiliated entities or to third party businesses for their direct marketing purposes, so that they can let you know about products or services that may be of interest to you. If you later decide that you do not want us to share your Personal Information with these entities for their direct marketing purposes, you may opt out of such sharing in the future by emailing optout@lowestrates.com as well as unsubscribing from the third parties direct marketing email using their email opt-out link.
The site may provide links to other websites or resources over which LowestRates.com does not have control ("External Websites"). Such links do not constitute an endorsement by LowestRates.com of those external websites. You acknowledge that LowestRates.com is providing these links to you only as a convenience, and further agree that LowestRates.com is not responsible for the content of such External Web Sites. Your use of external websites is subject to the terms of use and privacy policies located on the linked to those sites.
We may employ procedural and technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. LowestRates.com may use secure socket layer and other security measures to help prevent unauthorized access to your personally identifiable information.