Privacy Policy

By visiting, using and/or submitting information to www.gobankingrates.com, you are accepting the practices described in this Privacy Policy.

GOBankingRates takes your privacy seriously, and has published this Privacy Policy to explain how GOBankingRates treats all information you may submit to www.gobankingrates.com, except that information which is submitted pursuant to a sweepstakes entry. Refer to the Official Rules and Privacy Policy for each individual sweepstakes for GOBankingRates’s specific policies regarding information sharing and disclosure pursuant to sweepstakes entry.

Information Collection and Use

Many of the features of www.gobankingrates.com are available to you without you providing personally identifiable information. Personally identifiable information generally includes information that could be used to determine your identity, such as your name, address, phone number, e-mail address, and birth date. We will collect and use personal information about you to respond to your request for products and services offered through this website. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you.

How We Collect Information

Information provided by you: The following are certain situations in which GOBankingRates may collect personally identifiable information from you::

  • Registration for Newsletters and Sweepstakes. GOBankingRates collects personally identifiable information from you if you register online for one of GOBankingRates’s newsletters and when you enter GOBankingRates’s sweepstakes. When you register online with GOBankingRates, GOBankingRates asks for personally identifiable information like your name, e-mail address, birth date, gender, ZIP code, occupation, industry, personal interests and other demographic information.
  • Use of Forums. . If you choose to transmit, submit or post information through GOBankingRates’s chat rooms, bulletin boards or other forums (the “Forums”), GOBankingRates will collect that information you provide. GOBankingRates retains this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law and pursuant to GOBankingRates’s Terms of Use.
  • Forms. GOBankingRates may collect personally identifiable information from you if you choose to fill out any forms, profiles, or surveys on www.gobankingrates.com.
  • Correspondence. If you send GOBankingRates personal correspondence, such as emails or letters, or if other users or third parties send GOBankingRates correspondence about your activities or postings on www.gobankingrates.com, GOBankingRates may choose to collect such information into a file specific to you.

Information from cookies and other tracking technologies: Like many websites, we use cookies, web beacons, and similar technologies to record your preferences, track the use of our site and collect Information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our site may not function properly.

Information from service providers: Information is collected from third party service providers about geographical demographics, such as median household income or age. This is not connected to individuals. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is non-personally identifiable.

How We Categorize Information

The types of information we collect fits into two categories in our data policy:

  • Non-Identifiable: This is information about you or your household that doesn’t identify you personally such as cookie data, state of residence, etc.
  • Personally Identifiable: This is information that identifies you personally, such as your full name, street address, email address or phone number.

How We Use Information

We use the information we collect from you and third parties to operate our Products, communicate with you, conduct research and development to improve or enhance our Products and customer experience. These are a few examples:

  • To create your account with our partners whose services you have requested. We require you to enter data which is used to verify your identity, avoid fraud and ultimately sign you up for the partner offer you are requesting (such as a loan quote).
  • To improve our recommendations and insights. The information we collect also helps us tailor our content and improve the way we match you to recommended offers or insights. We’re constantly working on ways to better identify and present the information that’s most relevant to you.
  • To communicate with you. We use information we collect to provide you with member support or to send you personalized offer recommendations. You have the option to decline such offers and be removed from e-mail promotion lists at any time. To make this request, please email info@gobankingrates.com or unsubscribe here.
  • To conduct research and to improve and promote our services. We use the information we collect to conduct research and to improve or enhance and promote our Services.
  • For legal reasons. To the extent permitted by law, we may also share your personal information if we believe it is necessary to comply with the law, to enforce or apply our Terms of Use, or to protect the rights, property, or safety of GOBankingrates.com, our employees, partners, and users. We reserve the right to share information with anyone outside of our network if we are mandated to do so by law or court order.

Who Has Access to Information

Unless you are entering one of GOBankingRates’s sweepstakes, GOBankingRates does not sell your personally identifiable information. The following describes some of the ways that your personally identifiable information may be disclosed in the normal scope of business:

  • Advertisers. GOBankingRates may aggregate personally identifiable information and disclose such information in a non-personally identifiable manner to advertisers and other third parties for their marketing and promotional purposes. For example, GOBankingRates may aggregate location information and disclose it to advertisers to inform them of where their ads are performing.
  • External Service Providers. There are a number of separate services offered by third parties, including, without limitation, GOBankingRates’s affiliates, that GOBankingRates refers to as external service providers that may be complementary to your use of www.gobankingrates.com (e.g. realtors, mortgage brokers, lenders, financial institutions, credit card issuers, information aggregators). If you choose to use these separate services, disclose information to the external service providers, and/or grant them permission to collect information about you, then their use of your information is governed by their privacy policy. With your consent, GOBankingRates may provide some of your personal information to the external service provider offering such services, for your convenience. To prevent GOBankingRates’s disclosure of your personally identifiable information to an external service provider, you can decline such consent or simply not use their services. You should evaluate the practices of external services providers before deciding to use their services.
  • Internal Service Providers. GOBankingRates may use third parties that GOBankingRates refers to as internal service providers to facilitate or outsource one or more aspects of GOBankingRates’s business, product and service operations that GOBankingRates provides to you (e.g., technology, Forums, newsletters/alerts, analytical tools, advertising campaign management) and therefore GOBankingRates may provide some of your personal information directly to these internal service providers. These internal service providers are subject to confidentiality agreements with GOBankingRates or other legal restrictions that prohibit their use of the information GOBankingRates provides them for any other purpose except to facilitate the specific outsourced GOBankingRates related operation, unless you have explicitly agreed or given your prior permission to them for additional uses. In some instances, the internal service provider may collect information directly from you. In these cases, you will be notified of the involvement of the internal service provider, and all additional information you provide them and their additional uses will be strictly up to you. If you provide additional information to an internal service provider directly, then their use of your personally identifiable information is governed by their applicable privacy policy.
    Personally identifiable information and other personal information collected from you may also be transferred to a third party as a result of a sale, acquisition, merger, reorganization, other transfer or bankruptcy (a “Transfer”) involving GOBankingRates and/or its affiliates. GOBankingRates specifically reserves the right to transfer personally identifiable information collected from www.gobankingrates.com, and any of its databases, together with any personally identifiable information contained therein, to a third party in connection with a Transfer, and nothing in this Privacy Policy is intended to interfere with the ability of GOBankingRates to transfer all or part of its business and/or assets (including www.gobankingrates.com) to an affiliate or independent third party at any time, for any purpose, without any limitation whatsoever.
  • Network Advertising. GOBankingRates may use third-party advertising companies for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Using third-party advertising companies helps us and third-party advertisers better determine which advertisements or content to serve to you. For example, the third-party advertisers may use information regarding your visits to www.gobankingrates.com and other Web sites in order to provide advertisements about goods and services, that third party advertisers believe will be of interest to you.

The types of information that may be collected by third-party advertising companies include the following:

  • the type of Internet browser you use;
  • the type of computer operating system you use;
  • the domain name of a Web site you visit, as well as information related to Web sites and Web pages you are viewing when an advertisement is requested;
  • whether or not you visit specific pages of www.gobankingrates.com or other Web sites;
  • the location of your Internet service provider’s point of presence;
  • the date and time of a visit to a Web site;
  • search keywords passed from another server;
  • the number of times you have clicked on an advertisement; and
  • other interactions between you and a Web site.

Controlling Your Personal Information

You may choose to restrict the collection or use of your personal information in the following ways:

  • Do not fill out forms: Filling out all forms is entirely optional and only required in order to sign you up for offers or additional info such as newsletters.
  • If you have previously agreed to us using your personal information for direct marketing purposes or newsletters, you may change your mind at any time by writing to or emailing us at info@gobankingrates.com or unsubscribe here.
  • Turn off cookies. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.

Updating Your Personal Information and Privacy Preferences

Upon request GOBankingRates.com will provide you with information about whether we hold, or process on behalf of a third party, any of your personal information. To request this information please contact us at privacy@gobankingrates.com.

You have the right to access and correct, or delete your Personal Information and privacy preferences at any time. We will respond to your request promptly within a reasonable time frame

Newsletters and CAN-SPAM Compliance

GOBankingRates.com sends only verified newsletters, specifically requested by GOBankingRates subscribers. Subscriptions to GOBankingRates.com newsletters are verified by sending an e-mail. GOBankingRates.com is fully compliant with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003.

Cookie Technology

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. GOBankingRates, its external service providers, internal service providers, and third-party advertising companies, may set and access cookies on your computer to track and store preferential information about you. For example, a third-party advertising company may assign a cookie to you, to limit the amount of times you see a particular advertisement or to help better determine which advertisements to serve to you. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Security

Personally identifiable information you submit to GOBankingRates is password-protected for your privacy and security. GOBankingRates uses industry-standard SSL-encryption to protect data transmissions. In the unlikely event that an unauthorized third party compromises GOBankingRates security measures, GOBankingRates will not be responsible for any damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate such information.

Links to Other Web sites

www.gobankingrates.com may include links to other third party Web sites. Such links are not an endorsement by GOBankingRates of those Web sites and/or the products or services offered there. Third party Web sites may have different privacy policies and GOBankingRates is not responsible for the privacy practices of those third party Web sites. If you click on a link to a third party Web site, GOBankingRates encourages you to check the privacy policy of that Web site, as it may differ substantially from that of this Privacy Policy.

California Consumers’ Privacy Rights

This section of the Privacy Policy supplements the information contained elsewhere in our Privacy Policy and applies solely to visitors, users, and others who reside in the state of California (“Consumers”). The provisions contained within this section are intended to provide notices in compliance with the California Consumer Privacy Act of 2018 (“CCPA”). Any terms defined by the CCPA have the same meaning when used in this section.

Personal Information Collected

GOBankingRates collects Personal Information provided by Consumers through the Web site. In the past 12 months, GoBankingRates has collected the following information from Consumers:

Category of InformationExamplesInformation Collected
IdentifiersA real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.Yes
Categories of personal information described in subdivision (e) of Section 1798.80.A name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card, or any other financial information, medical information, or health insurance information. No
Characteristics of protected classifications under California or federal lawAge (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran military status, genetic information (including familial genetic information).No
Commercial InformationRecords of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.No
Biometric informationAn individual’s physiological, biological or behavioral characteristics, including an individual’s deoxyribonucleic acid (DNA), that can be use, singly or in combination with each other or with other identifying data, to establish individual identity, including but not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.No
Internet or other electronic network activity informationBrowsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, advertisement.Yes

Geolocation dataPhysical location, position, and movement data.No
Sensory informationAudio, electronic, visual, thermal, olfactory, or similar information.No
Professional or employment-related informationPresent and past employment data.No

Education informationEducation records maintained by educational institutions or third parties on behalf of these institutions.No
Inferences drawn from any other informationData reflecting a consumer’s preferences, characteristics, habits, attitudes, predispositions, intelligences, and abilities.No

The categories of Personal Information described above are collected from the following categories of sources:

  • Directly from Consumers or their agents, such as through Consumers’ responses to forms on this Site.
  • Directly and indirectly from activity on the Site, such as through Consumers’ interaction with this Site.

Uses of Personal Information

The information we collect is used to:

  • Fulfill the purpose for which the information was provided by the Consumer.
  • Perform the activities described to you when collecting your Personal Information or as set forth in the CCPA.
  • Provide the Consumer with information, products, or services that have been requested.
  • Perform internal and external marketing.
  • Carry out obligations and enforce contractual rights.
  • Improve the services provided through the Site, such as through testing, research, analysis, and development.
  • Respond to requests from law enforcement and government organizations as required by law, court order, or government regulation.
  • Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, sale, or other transfer of some or all of our assets whether on an ongoing basis or as part of a discrete transaction in which collected personal information is among the assets transferred.

Additional categories of Personal Information will not be collected or used for materially different purposes without first providing the Consumer with notice.

Sharing and Sale of Personal Information

GOBankingRates does not and will not sell or disclose for a business purpose Personal Information provided to us by Consumers.

Personal Information for minors under 16 years of age is neither collected, disclosed, nor sold.

Consumer’s Rights

Consumers have several rights under the CCPA. These include:

  • The right to know what categories and specific pieces of Personal Information are collected, disclosed for a business purpose, or sold by requesting this information from GOBankingRates.
  • The right to request deletion of Personal Information collected or maintained by GOBankingRates.
  • The right to opt-out of the sale of Personal Information.
  • The right not to receive discriminatory treatment for choosing to exercise privacy rights under the CCPA.

GOBankingRates only stores email addresses for subscribers who have signed up to receive the GOBankingRates newsletter. For the remaining non-email subscriber traffic, the only Personal Information collected are IP addresses. Due to the nature of the Personal Information collected, GOBankingRates cannot verify Consumers’ identities to the degree of certainty required to fulfill requests to know or delete your collected Personal Information. GOBankingRates cannot fulfill these requests because email addresses and IP addresses are generally publicly available across various publicly accessibly websites and would not permit GOBankingRates to verify Consumers’ identities to a reasonable degree of certainty.

Changes to This Privacy Policy

GOBankingRates reserves the right to update, amend and/or change this Privacy Policy at any time in its sole discretion and without notice. Updates to this Privacy Policy will be posted here. Any information GOBankingRates collects from you online is subject only to GOBankingRates’ most current Privacy Policy. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. GOBankingRates’ last update was December 20, 2019. Your continued access and use of www.gobankingrates.com following the posting of any such changes shall automatically be deemed your acceptance of the same.

Advertisers

Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available.

All financial products, shopping products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers.

Questions or Concerns

If you have questions, comments, concerns or feedback regarding this Privacy Policy, send an e-mail to info@gobankingrates.com

Governing Law; Arbitration

You agree that: (i) www.gobankingrates.com shall be deemed solely based in the State of California; and (ii) www.gobankingrates.com shall be deemed a passive Web site that does not give rise to personal jurisdiction over GOBankingRates, either specific or general, in jurisdictions other than the State of California. This Privacy Policy is to be governed by and construed in accordance with the internal laws of the State of California, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to this Privacy Policy shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association.

THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING www.gobankingrates.com YOU CONSENT TO THESE RESTRICTIONS.

You and GOBankingRates shall select the arbitrator, and if you and GOBankingRates are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator’s fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator’s fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.

Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and GOBankingRates and your and GOBankingRates’s respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or GOBankingRates be entitled to punitive, special, indirect or consequential damages and both you and GOBankingRates hereby waive your and GOBankingRates’s respective rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.

If any portion of this Privacy Policy is deemed unlawful, void or unenforceable by any arbitrator, this Privacy Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Privacy Policy that is unlawful, void or unenforceable shall be stricken from this Privacy Policy.

The headings contained in this Privacy Policy are for convenience of reference only, are not to be considered a part of this Privacy Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Privacy Policy.

All covenants, agreements, representations and warranties made in this Privacy Policy, as may be amended by GOBankingRates from time to time, shall survive your acceptance of this Privacy Policy.

Last Updated: December 20, 2019