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Privacy Policy
Last Updated: June 28, 2025
This Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your information when you use the Service, and it informs you about your privacy rights and how the law protects you.
We use your personal data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.
Interpretation and Definitions
Interpretation
The words with initial capital letters have meanings defined under the following conditions. The definitions shall apply regardless of whether they appear in singular or plural form.
Definitions
For the purposes of this Privacy Policy:
Account means a unique account created for you to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.
Company (referred to as either “the Company,” “We,” “Us,” or “Our” in this Agreement) refers to Fixed Rate Mortgage, doing business as Freedom Choice Lending.
Cookies are small files placed on your device by a website, containing details of your browsing history and other uses.
Country refers to California, United States.
Device means any device that can access the Service, such as a computer, cellphone, or digital tablet.
Personal Data is any information that relates to an identified or identifiable individual.
Service refers to the Website.
Service Provider means any natural or legal person who processes data on behalf of the Company. It includes third-party companies or individuals employed by the Company to facilitate, provide, analyze, or support the Service.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (e.g., duration of a page visit).
Website refers to the Fixed Rate Mortgage Inc dba Freedom Choice Lending, NMLS #1998153 website at www.FreedomChoiceLending.com
You means the individual accessing or using the Service, or the company or other legal entity on whose behalf such individual is accessing or using the Service, as applicable.
Collecting and Using Your Personal Data
Types of Data Collected
Personal Data
While using our Service, we may ask you to provide us with certain personally identifiable information, including but not limited to:
Email address
First and last name
Phone number
Address, State, Province, ZIP/Postal code, City
Usage Data
Usage Data
Usage Data is collected automatically when using the Service and may include:
Your device’s IP address
Browser type and version
Pages visited, time and date of visit
Time spent on pages
Unique device identifiers and diagnostic data
When accessing the Service via a mobile device, we may also collect:
Type of mobile device and operating system
Unique mobile device ID
IP address of the mobile device
Type of mobile Internet browser
Diagnostic data
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies (e.g., beacons, tags, scripts) to monitor activity and improve our Service. These may include:
Cookies or Browser Cookies: You can set your browser to refuse all or some browser cookies. However, certain parts of our Service may not function without them.
Web Beacons: These are small electronic files (e.g., clear gifs, pixel tags) used to count users, analyze performance, and verify system integrity.
Types of Cookies Used:
Necessary / Essential Cookies – Session cookies used to enable essential Service features.
Cookies Policy / Notice Acceptance Cookies – Persistent cookies used to track cookie consent.
Functionality Cookies – Persistent cookies used to remember user preferences (e.g., login, language).
For more information, visit our Cookies Policy.
Use of Your Personal Data
We may use your Personal Data to:
Provide and maintain the Service
Manage your Account
Fulfill contractual obligations
Contact you (via email, SMS, calls, push notifications)
Send you promotional communications (unless you opt out)
Manage and respond to your requests
Facilitate business transfers (e.g., mergers, acquisitions)
Conduct analytics and improve the Service
Retention of Your Personal Data
We retain Personal Data only as long as necessary for the purposes outlined in this policy, or as required by law. Usage Data may be kept longer when used for security or performance improvement purposes.
Transfer of Your Personal Data
Your data may be transferred to and stored in locations outside your jurisdiction. By submitting your information, you consent to such transfers. We take reasonable steps to ensure your data is treated securely and in accordance with this Privacy Policy.
Delete Your Personal Data
You may request deletion of your Personal Data. You can do so by:
Accessing your Account settings (if applicable)
Contacting us directly
We may retain some data as required by law or for legitimate purposes.
Disclosure of Your Personal Data
Business Transactions
In the event of a merger, acquisition, or asset sale, your data may be transferred. We will notify you before such transfer occurs.
Law Enforcement and Legal Requirements
We may disclose your Personal Data if required to:
Comply with legal obligations
Protect Company rights or property
Prevent wrongdoing
Protect user or public safety
Defend against legal liability
Security of Your Personal Data
While we use commercially acceptable methods to protect your data, no transmission or storage system is 100% secure. We cannot guarantee absolute security.
Children’s Privacy
Our Service is not intended for children under 13. We do not knowingly collect data from children. If you become aware that your child has provided us with personal data, contact us. We will delete it as required by law.
Links to Other Websites
Our Service may contain links to third-party sites not operated by us. We are not responsible for their privacy practices and encourage you to review their policies.
Changes to This Privacy Policy
We may update this Privacy Policy periodically. Changes will be posted on this page, with updates to the “Last Updated” date. We may notify you by email or prominent notice on our Service prior to the changes taking effect.
We recommend reviewing this Privacy Policy regularly.
Contact Us
If you have any questions about this Privacy Policy, you can contact us:
📧 By email: david@freedomchoicelending.com