Privacy Policy

Last updated: April 14, 2025

RateCompas AI ("we," "us," or "our") operates ratecompas.com. This Privacy Policy explains how we collect, use, and protect information when you use our website and loan analysis tools.

Information we collect

We collect minimal information to operate this service:

• Loan data you enter: When you use the loan analyzer, you enter figures such as loan amount, APR, and term. This data is sent to our server to generate your analysis and is not stored or logged after your session ends.
• Usage data: We may collect standard web analytics information such as pages visited, time on site, browser type, and referring URL through analytics tools (such as Google Analytics). This data is aggregated and anonymous.
• Cookies: We use cookies to operate the site and, if advertising is enabled, to serve relevant ads. See the Advertising section below.

What we do not collect

• We do not require you to create an account or provide your name, email, or personal contact information to use our tools.
• We do not collect your Social Security number, credit score, bank account information, or any sensitive financial identifiers.
• We do not sell your personal information to third parties.

How we use your information

• To provide and improve the loan analysis tool
• To understand how visitors use the site so we can improve it
• To serve relevant advertising (see below)

Advertising

We may display advertisements served by third-party networks including Google AdSense. These ad networks may use cookies and similar technologies to serve ads based on your prior visits to this and other websites. You can opt out of personalized advertising by visiting aboutads.info or networkadvertising.org.

Affiliate links

This site contains affiliate links to third-party lenders and financial products. If you click a link and apply for or purchase a product, we may receive a commission at no additional cost to you. We only recommend products we believe provide genuine value. Affiliate relationships do not influence our analysis or recommendations.

Third-party services

We use the following third-party services to operate this site:

• Vercel: Website hosting and serverless functions. Vercel Privacy Policy
• Anthropic: AI analysis generation. Loan data you enter is processed by Anthropic's API to generate your analysis. Anthropic Privacy Policy
• Google Analytics (if enabled): Website usage analytics. Google Privacy Policy

Data retention

Loan data entered into our analyzer is not stored after your analysis is returned. We do not maintain a database of user inputs. Aggregated, anonymous analytics data may be retained for up to 26 months.

Children's privacy

This site is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it.

Your rights

Depending on your location, you may have rights regarding your personal data including the right to access, correct, or delete information we hold about you. Since we collect minimal personal data, most requests can be addressed by clearing your browser cookies. For other requests, contact us at the email below.

Changes to this policy

We may update this Privacy Policy from time to time. We will note the date of the most recent revision at the top of this page. Continued use of the site after changes constitutes acceptance of the updated policy.

Contact

For questions about this Privacy Policy, contact us at: privacy@ratecompas.com