1. Information We Collect

When you submit the rate quote form on ShowMeRates.com, we collect the following personal information:

• Full name (first and last)
• Email address
• Phone number
• Property state
• Loan purpose (purchase, refinance, cash-out refinance, or VA streamline)
• Loan type preference (VA, conventional, FHA, or undecided)
• Estimated credit score range

We may also automatically collect technical information such as your IP address, browser type, device information, and the date and time of your visit for security, analytics, and fraud prevention purposes.

2. How We Use Your Information

The information you provide is used for the following purposes:

• To contact you regarding your mortgage rate quote request via telephone, text message, and/or email
• To evaluate your loan inquiry and provide you with personalized rate and product information
• To process your mortgage application should you choose to proceed
• To comply with legal and regulatory obligations
• To improve our website and services

3. Telephone Consumer Protection Act (TCPA) Consent Disclosure

You understand and agree that:

• Your consent is not a condition of purchasing any property, obtaining a mortgage, or receiving any other product or service from E Mortgage Capital, Inc.
• You may receive multiple calls, texts, or emails as part of the follow-up to your inquiry.
• Message and data rates may apply to text messages. Message frequency varies.
• Calls and texts may be made using automated dialing technology or pre-recorded/artificial voice messages.
• You are providing consent specifically to E Mortgage Capital, Inc. and its licensed loan officers. Your information will not be sold to or shared with third-party lead buyers or aggregators.
• You may revoke your consent at any time by any reasonable means, including by replying “STOP” to any text message, by emailing us at the address below, by calling us at (844) 737-1455, or by notifying us in writing. Revocation of consent will be processed within 10 business days.
• Revoking consent will not affect any mortgage application already in progress.

4. How We Share Your Information

We do not sell your personal information to third-party lead buyers, data brokers, or marketing companies.

We may share your information in the following limited circumstances:

• Within E Mortgage Capital, Inc.: Your information may be shared with licensed loan officers and processing staff at EMC for the purpose of fulfilling your rate quote request and processing any resulting mortgage application.
• Service Providers: We may share information with third-party service providers who assist in operating our website, processing applications, or servicing loans, subject to confidentiality agreements.
• Legal Requirements: We may disclose information when required by law, regulation, subpoena, court order, or other legal process, or to protect the rights, property, or safety of our company, customers, or others.
• Regulatory Compliance: We may share information as necessary to comply with federal and state regulatory requirements applicable to mortgage lending.

5. Information Security

We implement industry-standard security measures to protect your personal information, including 256-bit SSL/TLS encryption for all data transmitted through our website. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to comply with legal, regulatory, and internal record-keeping obligations. Lead inquiry data and consent documentation are retained for a minimum of five (5) years from the date of submission in accordance with TCPA litigation best practices and mortgage industry regulatory requirements.

7. Your Rights

Depending on your state of residence, you may have the following rights regarding your personal information:

• Right to Know: You may request information about the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You may request that we delete your personal information, subject to certain legal exceptions.
• Right to Opt-Out: You may opt out of future marketing communications at any time.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

To exercise any of these rights, please contact us using the information provided below.

8. Do Not Call

We maintain an internal Do Not Call list and honor the National Do Not Call Registry. If you wish to be placed on our internal Do Not Call list, please contact us at (844) 737-1455 or email us at the address below. Requests will be processed within 30 days.

9. Cookies and Tracking Technologies

ShowMeRates.com may use cookies, pixels, and similar technologies to improve your browsing experience, analyze website traffic, and support marketing efforts. You can control cookie settings through your browser preferences. Disabling cookies may affect the functionality of certain features on our website.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Children’s Privacy

Our website and services are not directed at individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will take steps to delete that information promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last Updated” date. We encourage you to review this policy periodically. Your continued use of ShowMeRates.com after changes are posted constitutes your acceptance of the updated policy.

13. Equal Housing Lender

E Mortgage Capital, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status in the provision of mortgage lending services.

14. Licensing

E Mortgage Capital, Inc. | NMLS# 1416824 | nmlsconsumeraccess.org

Not a government agency. Private lender. Not endorsed or sponsored by the Department of Veterans Affairs or any government agency.