This Privacy Policy and Terms of Use (together, this "Policy") govern your use of the website located at FedRateWatch.org (the "Site") and the FedRateWatch.org rate-alert program (the "Service"), which are operated by The Wisdom Companies LLC d/b/a FedRateWatch.org ("we," "us," or "our"). By using the Site or signing up for rate alerts, you agree to this Policy. If you do not agree, please do not use the Site or submit your information. This Site is not directed to individuals under the age of 18.

Mobile information notice: No mobile information will be sold or shared with third parties or affiliates for marketing or promotional purposes. Text STOP to unsubscribe at any time; reply HELP for help.

Information We Collect

We collect information that you provide directly to us and information collected automatically as you use the Site:

  • Information you provide: your first and last name, email address, phone number (if you choose to provide it), vehicle or homeowner details relevant to your request, and a record of your consent, including the date and time.
  • Automatically collected information: device and usage data such as IP address, browser type, pages viewed, and referring URLs, collected through cookies, web logs, and similar technologies.
  • Communication activity: data about how you interact with our emails and text messages, such as delivery status, opens, clicks, and opt-out requests.

How We Use Your Information

We use the information we collect only for legitimate business purposes related to providing the Service you requested, including to:

  • Deliver the rate alerts, account notifications, and homeowner tips you signed up to receive;
  • Send account-related emails such as sign-up confirmations and support responses;
  • Verify, operate, maintain, secure, and improve the Site and Service;
  • Respond to your questions, requests, and support inquiries;
  • Maintain compliance with carrier requirements and applicable laws.

No mobile information will be sold or shared with third parties or affiliates for marketing or promotional purposes. We do not sell, rent, share, or otherwise disclose your personal information to third parties or affiliates for their own marketing or promotional purposes.

No Sale or Sharing of Mobile Information

Mobile information, including phone numbers and SMS consent information, will not be sold, shared, rented, or disclosed to third parties or affiliates for marketing or promotional purposes. We may share limited information only with service providers who help us operate the Site and deliver messages on our behalf, under confidentiality obligations and solely to provide the Service to you, or where required by law. These service providers are not permitted to use your mobile information or SMS consent for their own marketing purposes.

Cookies, Tracking & Do Not Track

We use cookies, web logs, and similar technologies to operate the Site, remember preferences, measure performance, and understand how the Site is used. Web logs track aggregate, anonymous information such as visitor counts, operating systems, and browser types, and are maintained only on our servers. You can control cookies through your browser settings, though disabling them may affect some features. Some advertising companies may collect data about your online activity to show targeted ads; you can opt out of targeted advertising with those providers, though you may still see non-targeted ads. Our Site does not currently respond to browser "Do Not Track" signals.

How We Protect Your Information

We follow generally accepted industry standards to protect the information submitted to us, both during transmission and once we receive it. Sensitive information transmitted to our servers is encrypted using SSL technology and protected behind a firewall. However, no method of transmission over the Internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

Your Choices & Rights

  • Text messages: reply STOP, END, or QUIT to any message to unsubscribe, or reply HELP for assistance.
  • Email: you can opt out of promotional emails at any time using the unsubscribe link in any message or by contacting us. Your email address will be added to our suppression list within ten (10) business days of your request.
  • Access & deletion: depending on your state of residence, you may have the right to access, correct, or delete your personal information. To make a request, contact us at customercare@twcfeedback.com.

California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and to request access to or deletion of that information. We do not sell your personal information, and we do not share mobile information or SMS consent information with third parties or affiliates for marketing or promotional purposes. To exercise your rights, contact us at the address or email listed in the Contact Us section below.

Electronic Communications

By engaging with us, you consent to receive notices, disclosures, communications, and information from us electronically, including at the email address or phone number you provide. You confirm that you are able to access and retain copies of information made available electronically.

Changes to This Policy

We may update this Policy from time to time by posting a revised version on this page with a new "Last Revised" date. Updated terms take effect when posted. If we make material changes, we will provide notice as required by law.

Terms & Conditions

Acceptance of Terms

By using the Site or authorizing SMS communications, you represent that you are at least 18 years of age and a resident of the United States, and you agree to these Terms and to the Privacy Policy above.

Service Description

The Wisdom Companies LLC d/b/a FedRateWatch.org provides general informational content and homeowner tips and is not a lender, broker, or financial advisor. We do not make credit decisions or guarantee any rate, approval, or result. All content on the Site is for general educational purposes only and does not constitute financial, legal, or tax advice. Rates and program details change frequently. You should consult a qualified professional before making any financial decision.

SMS/Text Messaging Terms

We may use personal information to provide the services you have requested, including SMS/text messaging services that display customized content and advertising. By providing your phone number and opting in through the FedRateWatch.org website, you agree to receive recurring marketing text messages from FedRateWatch.org regarding mortgage rate updates and FedRateWatch.org alerts.

Message frequency varies. Message and data rates may apply. Your wireless provider's standard messaging rates may apply to our confirmation message and all subsequent SMS correspondence. Wireless carriers are not liable for delayed or undelivered messages.

You may opt out at any time by replying STOP, END, or QUIT to any text message you receive from us. For assistance, reply HELP.

Consent to receive text messages is not a condition of purchasing property, goods, or services.

Mobile information, including phone numbers and SMS consent information, will not be sold, shared, rented, or disclosed to third parties or affiliates for marketing or promotional purposes.

Intellectual Property

All content on this website, including text, graphics, logos, and design, is the property of The Wisdom Companies LLC d/b/a FedRateWatch.org or its licensors and is protected by applicable intellectual property laws.

Disclaimer of Warranties

The Site and Service are provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

Limitation of Liability

To the fullest extent permitted by law, The Wisdom Companies LLC d/b/a FedRateWatch.org and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, the Service, or the SMS program.

Governing Law

These Terms are governed by the laws of the United States and the State of California, without regard to conflict-of-law principles.

Contact Us

If you have questions about this Policy, or to submit a privacy request, contact us at:

The Wisdom Companies LLC d/b/a FedRateWatch.org
909 N. Pacific Coast Highway, Suite 300
El Segundo, CA 90245
Email: customercare@twcfeedback.com
SMS Opt-Out: reply STOP to any message · SMS Help: reply HELP to any message