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Privacy Statement
IWLR (I Want Low Rates) is committed to safeguarding your privacy online. This privacy policy applies to the specific information that we collect and receive; it does not apply to practices of businesses that we do not own, regulate or control or people we do not employ. At no time will we sell your information or release your personally-identifiable data without your permission. You can visit our site at www.IWantLowRates.com without revealing who you are or providing any personal information about yourself.
By using our site, you agree to the terms of this privacy policy. Please read the following policy to understand how your personal information will be treated as you use our services. The following discloses our information gathering and dissemination practices.
This Site contains links to other sites. These include links to individual lender/broker sites that offer consumer and business loans, as well links to other third party sites that offer credit reports, insurance quotes, car loans, credit cards, phone and internet service etc. IWLR is not responsible for the privacy practices or the content of other websites, individuals or corporations.
IWLR (I Want Low Rates) is not a lender or broker, auto loan provider, credit card issuer, insurance company or financial services company nor does it perform any functions specifically related to those types of activities. IWLR is not your agent nor an agent of any Lender, real estate professional, insurance company, financial services company, or any other person, company, corporation or affiliate of the IWLR network. IWLR services are merely for marketing and promotional purposes. You, as the consumer, must rely on your own due diligence and best judgment in deciding which of the individuals or companies within our network provide you the best products/services that meet your respective individual needs. IWLR does not endorse, recommend, guarantee or warrant any specific individual, company, corporation or affiliate offering services or lender information, loan products, insurance coverage's/policies, products or services of the participants within our network. You are not obligated to use any individuals or company in our network. IWLR does not guarantee that submitting a referral request will result in you obtaining any type of product and/or service from a participant in our network.
The individuals and companies in our network are subject to federal and/or state regulation of their activities. You may be required to pay certain fees by the individual or company you choose. Those fees and the amount of such fees, which may be negotiable between you and the individual or company, are to be determined between you and such individual or company in accordance with applicable federal and/or state laws. IWLR does not charge the consumer any fees to submit/use our network to receive offers and services from our participating individuals and or companies. IWLR may receive compensation from the individuals and or companies that our participants/members of our network for the goods and services they may provide to the users of our network.
Federal Disclosures
If you make a request for a loan quote, service or referral, your request will be forwarded to one of our participating lenders/brokers. Under federal law, these Lenders must make certain disclosures to you in accordance with the Truth in Lending Act ("TILA"), the Real Estate Settlement Procedures Act ("RESPA"), and certain other federal and state laws. These disclosures include, but may not be limited to, such things as your cost of credit, good faith estimates of your settlement costs, HUD mandated booklets, notices concerning the possibility that your mortgage loan servicing may be transferred, and your right to a copy of the appraisal, if any, performed on your home.
The Equal Credit Opportunity Act ("ECOA"), whose oversight is administered by the Federal Trade Commission, prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If you have any questions, you can write to the Federal Trade Commission as follows: Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
Browsing the Site
If you browse through the Site without entering any personal data, we will gather and store certain information about your visit. This information does not identify you personally and cannot be linked back to you unless you decide at some point to identify yourself. If you are only browsing, we collect the following information: IP address, the type of browser and operating system used to access our site, the date and time you access our site, the pages you visit (click-through), and if you linked to our website from another website, the address of that website as well as additional information related to your visit. We use your IP address to help diagnose problems with our server, and to administer the Site.
Information Collected
We collect the email addresses of consumers who communicate with us or through our authorized vendors via email. We also collect information provided to us by consumers in loan or refinance requests submitted through our site, this information typically includes name, address, and phone numbers, email address, household income, estimated credit rating, and loan specific information including but not limited to estimated property value, desired loan amount, down payment, etc. In addition, consumers who express a desire to apply for a loan provide us with and authorize us or our affiliates to obtain from third parties necessary financial information such as credit reports ("Finance Information"). We do not provide financing, but instead transmit those requests to third-party vendors for consideration. Requests transmitted to us or others through us become the property of that affliate, in addition to us.
Updating or deleting your information
You may update or delete your information at any time prior to submitting your completed request. Once your loan form is completed and submitted, you will not be able to change any of the information. Additionally, please be advised that once you have submitted your loan request and the information has been received by our affiliates, the information is no longer under our control.
Security
This site has reasonable security measures in place to protect the loss, misuse and alteration of the information under our control
Contacting the Web Site
Please be aware that we may change our Privacy Policy from time to time. If we do, we will update this Privacy Policy at out website, so be sure to check back here frequently.
If you have any questions about our Privacy Policy, practices, or your use of our web site, you can contact us at info@iwantlowrates.com.
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