Privacy Policy

Last updated: January 1, 2026

Savings Rate Tracker ("we", "our") respects your privacy. This policy explains how we collect, use, share and protect personal and financial information when you use our website and services.

1. Information we collect

• Identity and contact details such as name, email, phone number and mailing address.
• Financial information you provide, such as income, employment, loan amounts, insurance needs and account preferences.
• Technical data such as device type, browser, IP address and pages visited.
• Communications you send to us, including forms and emails.

2. How we use information

• To review your needs and match you with lenders, insurers and providers.
• To respond to enquiries and deliver the newsletter you request.
• To prevent fraud, verify identity and meet legal and regulatory duties.
• To improve our website, products and client service.

3. Sharing of information

We share information with partner lenders, insurers and payment providers only as needed to deliver the service you request, with service providers who work under confidentiality obligations, and with regulators or authorities when required by law. We do not sell your personal information.

4. Financial privacy

We handle nonpublic personal information in line with the Gramm-Leach-Bliley Act and applicable federal and state privacy and safeguards rules. You may limit certain sharing of your information with non-affiliated parties by contacting us.

5. Credit reporting

Where a partner lender needs your credit report, we will request your authorization first, consistent with the Fair Credit Reporting Act. Credit decisions are made by the lender, not by us.

6. Your privacy rights

Depending on your state of residence, including under the California Consumer Privacy Act, you may have the right to know, access, correct or delete your personal information, to opt out of certain sharing, and to be free from discrimination for exercising these rights. To make a request, email info@savingsratetracker.info.

7. Cookies and analytics

We use cookies and similar tools to keep the site working, understand usage and improve performance. You can control cookies in your browser settings.

8. Data security

We use administrative, technical and physical safeguards, including encryption in transit and access controls. No method of transmission is completely secure, and we cannot guarantee absolute security.

9. Data retention

We keep information only as long as needed for the purposes described here and to meet record-keeping requirements for financial services.

10. Children's privacy

Our services are intended for adults. We do not knowingly collect information from children under 13.

11. Changes to this policy

We may update this policy from time to time. The updated date above shows the latest version.

12. Contact

Savings Rate Tracker, NY, New York City, 136 Madison Avenue, New York, 10016. Email: info@savingsratetracker.info

Terms and Conditions

Last updated: January 1, 2026

By using the Savings Rate Tracker website and services, you agree to these terms. Please read them carefully.

1. Nature of our services

Savings Rate Tracker acts as an intermediary that introduces clients to loans, insurance, digital payment, investment, home warranty and debt relief products offered by third parties. We are not a lender, insurer or bank unless stated in a written agreement.

2. No financial, legal or tax advice

Information on this website is general and educational. It is not personalized financial, legal, tax or investment advice. Consult a qualified professional before making decisions.

3. Eligibility and approval

All products are subject to eligibility, credit review, underwriting and approval by the provider. Rates, fees, limits and terms may vary and can change without notice. Submitting an enquiry does not guarantee approval.

4. Investments

Investments, including mutual funds, gold, equities and digital currency, involve risk and may lose value. Past performance does not guarantee future results. Digital currency is highly volatile and may not be insured.

5. Debt relief

Debt relief and settlement outcomes vary. Results are not guaranteed, and these programs may affect your credit standing, may involve fees permitted by law, and can have tax consequences. Bankruptcy guidance is informational and does not replace advice from a licensed attorney.

6. Insurance and warranty

Coverage is defined by the policy or warranty contract issued by the provider. Exclusions, deductibles and limits apply. Please read the full contract before purchase.

7. Your responsibilities

• Provide accurate, complete and current information.
• Keep your account details confidential.
• Use the website only for lawful purposes.

8. Communications consent

By submitting a form, you agree that we may contact you by email, phone or text about your request. You may opt out at any time. Message and data rates may apply.

9. Third-party links and providers

We are not responsible for the content, terms or practices of third-party websites or providers.

10. Intellectual property

All content, branding and design on this site belong to Savings Rate Tracker or its licensors and may not be copied or reused without permission.

11. Limitation of liability

To the fullest extent permitted by law, Savings Rate Tracker is not liable for indirect, incidental or consequential damages arising from use of the website or third-party products. Our website is provided "as is" without warranties of any kind.

12. Governing law and disputes

These terms are governed by the laws of the State of New York. Disputes will be resolved in the state or federal courts located in New York County, unless a separate written agreement provides otherwise.

13. Contact

Questions about these terms? Email info@savingsratetracker.info or write to NY, New York City, 136 Madison Avenue, New York, 10016.