Privacy Policy

This Privacy Policy describes how your personal information is collected, used, and shared when you visit or submit information to https://alldunkin.com and/or our subsidiary website https://rateology.com (the “site(s)”).

PERSONAL INFORMATION WE COLLECT

When you visit one of our sites, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the sites, we collect information about the individual web pages or products that you view, what websites or search terms referred you to any of the sites, and information about how you interact with the sites. We refer to this automatically-collected information as “device information.”

We collect device information using the following technologies:

Cookies – Data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.

Log Files – Tracked actions occurring on any of the sites, and collected including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.

Web Beacons, Tags, and Pixels – Electronic files used to record information about how you browse the site.

Additionally when you create an account, complete a form, or click an affiliate link through any of our sites, we may collect certain information from you, including your name, billing address, phone number, email address, preferred method of contact, credit score range, yearly income range, current employer, and length of employment.  We refer to this information as “consumer information.”

When we talk about “personal information” in this Privacy Policy, we are talking both about device information and consumer information.

HOW DO WE USE YOUR PERSONAL INFORMATION?

We use the consumer information that we collect generally to fulfill any service requests or referrals placed through one of the sites.  Additionally, we use this consumer information to:

Communicate with you; Screen our data for potential risk or fraud; pass service referrals to our vendors our websites; and when in line with the preferences you have shared with us, provide you with information or advertising relating to our products or services.

We use the device information that we collect (in particular, your IP address), to help us screen for potential risk and fraud and more generally to improve and optimize our site (for example, by generating analytics about how our customers browse and interact with the site, to retarget users who have previously visited one of our sites, and to assess the success of our marketing and advertising campaigns).

SHARING YOUR PERSONAL INFORMATION

We share your personal information with third parties to help us use your personal information, as described above.  For example, we give your personal information to vendors of services you request so they can deliver financial services to you. We also use Google Analytics and Hotjar to help us understand how our customers use our sites. You can opt out of Google Analytics here:  https://tools.google.com/dlpage/gaoptout and you can opt out of Hotjar here: https://www.hotjar.com/legal/compliance/opt-out.

Finally, we may also share your personal information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

BEHAVIORAL ADVERTISING

As described above, we use your Personal information to provide you with targeted advertisements or marketing communications we believe may be of interest to you.  For more information, you can visit the Network Advertising Initiative’s (“NAI”) educational page at http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.

You can opt-out of targeted advertising from Facebook and Instagram here: https://www.facebook.com/settings/?tab=ads and opt-out of targeted advertising from Google here: https://www.google.com/settings/ads/anonymous.

Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at: http://optout.aboutads.info/.

DO NOT TRACK

Please note that we do not alter our site’s data collection and use practices when we receive a Do Not Track signal from your browser.

DATA RETENTION

When you create an account, complete a form, or click an affiliate link through any of our sites, we will maintain your consumer information for our records unless and until you ask us to delete this information.

MINORS

The site is not intended for individuals under the age of 18.

CHANGES

We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.

CONTACT US

For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at support@alldunkin.com.