Privacy notice

Information you provide

RateWatch collects your email address, U.S. property address, mortgage balance, note rate, term, payment and closing-cost assumptions, alert thresholds, time zone, and delivery preferences. We do not ask for income, Social Security number, credit score, bank credentials, or a loan application.

Information created by the service

We store source observations, rule evaluations, alert events, bounded delivery status, security and operational records, and account timestamps. Authentication and infrastructure providers may process IP address, device, and request metadata to secure and operate the service.

How we use information

We use it to authenticate you, maintain your private dashboard, monitor selected mortgage benchmarks, evaluate your saved thresholds, deliver requested notifications, prevent duplicate alerts, support the service, investigate abuse, and comply with law. We do not sell personal information or use mortgage details to broker or underwrite a loan.

Service providers and disclosure

We disclose only the information needed to vendors that provide hosting, database, authentication, email delivery, monitoring, and security services under their service terms. We may also disclose information when required by law, to protect users or the service, or as part of a business transaction subject to appropriate safeguards.

Email and future text messaging

Market-alert email can be paused or unsubscribed independently from authentication email. Text alerts are not currently active, and RateWatch does not currently collect a phone number or SMS consent.

If text alerts become available, mobile information will not be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes. Text-message originator opt-in data and consent will not be shared with any third parties except the providers needed to deliver and support the messages you request.

Retention and security

Active-account records are kept while needed to provide and secure the service. We use access controls, row-level authorization, encrypted managed secrets, and bounded operational logging. No online service can promise absolute security.

Your choices

You can pause market-alert email, set quiet hours, download a JSON copy of your account data, or delete your account from Account settings. After successful completion, deletion removes your property, mortgage, rules, notification records, and Auth account. A pseudonymous hash of the deletion request remains for seven days solely to make a lost completion response safely replayable, then is purged.

If the identity provider has a transient deletion failure, a private maintenance job may temporarily retain only the internal user UUID needed for bounded retries or manual review. It contains no email, property address, or mortgage values and is not exposed in the dashboard. RateWatch operators resolve manual-review jobs rather than silently treating an incomplete deletion as complete.

Contact

Northglass LLC operates RateWatch from Pennsylvania, United States. Contact hello@northglass.io.