Privacy Policy
Effective Date: December 15, 2024
RateMyReturn, LLC ("Company," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use RateMyReturn.com and related services (collectively, the "Service").
By using the Service, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We collect the following categories of information:
1.1 Information You Provide
- Account registration details (name, email, password)
- Payment details processed by Stripe (we do not store your complete credit card information)
- Real estate investment assumptions, inputs, and parameters
- Uploaded files, property details, and other user-generated content
1.2 Automatically Collected Information
- Device and browser information
- IP address and approximate location
- Log data (pages viewed, features used, time spent)
- Cookies, analytics tags, and similar technologies
1.3 Derived and Behavioral Data
- Search queries and forecasting requests
- Adjustments you make to assumptions or AI-generated outputs
- Engagement patterns, feature usage, and click behavior
2. How We Use Your Information
We use your information to:
- Provide, operate, and improve the Service
- Process transactions and deliver purchased credits
- Train, refine, and validate AI models
- Develop aggregated or anonymized datasets for benchmarking and product features
- Detect, prevent, and address technical or security issues
- Comply with legal obligations
We may combine your data with other users' data in anonymized or aggregated form, and such data may be used to generate insights that are displayed to other users.
3. AI Training and Aggregated Data
By using the Service, you grant us the right to:
- Store, analyze, and incorporate your inputs, queries, and usage patterns into our AI models
- Use anonymized versions of your data to improve model accuracy and performance
- Include aggregated and generalized insights (not linked to your identity) in reports, benchmarks, or other features accessible to other users
We do not sell your personal information to third parties.
4. Sharing of Information
We may share information:
- With service providers (e.g., Stripe for payment processing, hosting providers, analytics tools)
- For legal compliance (when required by law, regulation, or legal process)
- In business transfers (merger, acquisition, asset sale, or dissolution)
- With your consent (if you request or authorize disclosure)
Aggregated and anonymized datasets may be shared publicly or with other users without restriction.
5. Payments
Payments are processed by Stripe, Inc. or its affiliates.
We do not store your full payment card number. Stripe's privacy policy governs their processing of your payment information.
6. Cookies and Tracking
We use cookies and similar technologies to:
- Remember your preferences
- Measure Service performance and usage
- Improve AI recommendations
You can control cookie settings through your browser.
7. Data Retention
We retain your personal information:
- As long as your account is active
- As needed to provide the Service
- As required for legal, tax, or accounting purposes
Aggregated/anonymized datasets and AI models trained on your usage may be retained indefinitely.
8. Security
We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
9. Your Rights
Depending on your jurisdiction, you may have rights to:
- Access, correct, or delete your personal information
- Opt out of certain data uses
- Request a copy of your data
Requests can be submitted to privacy@ratemyreturn.com.
10. Children's Privacy
The Service is not intended for children under 18.
We do not knowingly collect personal information from children.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
Changes will be posted on this page with the updated effective date.
12. Contact Us