Privacy Policy - Ratemate

Privacy Policy

Effective date: June 20, 2025.

This Privacy Policy for RateMate (Company/ We/ Us or Our) describes how and why we might collect, store, use, and/or share ( “Process” ) your personal information when you use our services (“Services“), including our website, our mobile and desktop applications, and AI-powered tools, such as when you:

  1. Visit our website at www.ratemate.top (“Website“) or any website or application of ours that links to this Privacy Policy.
  2. Engage with us in other related ways, including creating an account, any sales, marketing, events, and all the personal information gathered on it.

This Privacy Policy provides details on what personal information we collect, the reasons for collecting personal information, its usage, the legal basis for processing your personal information, storage methods, and personal information-sharing practices.

By utilizing our Services or providing your personal information to us, you acknowledge that you have read, understood, and agreed to be bound by this Privacy Policy. If you do not agree with any part of this Policy, please discontinue use of our Services.

1. CATEGORIES OF PERSONAL INFORMATION

We collect personal information that you voluntarily provide us when you express an interest in obtaining information about us or our products and Services, when you use or participate in activities on the Services, or when you contact us. As used in this Privacy Policy, “personal information” refers to any data that relates to you and allows for your identification, including the following:

1.1. User Accounts:

Should you choose to create an account on our Service, you will need to supply us with certain personal information to provide you access to our additional services that benefit users, such as:

  1. Your username, email address, phone number (Users or visitors may access your public profile and see any personal information you have made available about yourself. Your email address, however, will not be visible (unless you choose to make it visible)).
  2. Your account from a third-party service: When you log in to your account using credentials from internet services (such as Facebook, Twitter, Google, Yahoo, LinkedIn, Apple), those services send us your username and the email address associated with the credentials you used. We may also collect information from other third-party sources, such as marketing agencies, identity verification services, and analytics providers, which may include your name, contact details, and employer information where permissible under applicable law. We do not control or take responsibility for how third parties provide or process your personal information.

1.2. Contact Information:

We also process any personal information you choose to provide when corresponding with us by phone, email, or otherwise visiting and interacting with this Website or any other services we operate.

1.3. Service-related Information:

When you use our Services, you may provide us with content including, but not limited to, audio recordings, text, images, video files, screen captures, financial and investment data, transaction details, user-generated content, metadata associated with uploaded files, or other materials submitted in the context of using the Services. Such content may, in certain cases, contain personal information relating to third parties. By submitting this information, you represent and warrant that you have obtained all necessary consents, authorizations, or permissions from any relevant third parties (e.g., family, friends, or other individuals) before disclosing their personal information to us.

1.4. App Permissions:

Our app requests certain permissions to function properly, including:

  1. Camera: To allow you to take photos for profile pictures or content uploads. We will only access your camera with your explicit permission.
  2. External Storage: To save downloaded content or access files. We will only access external storage with your explicit permission. This is necessary for saving and retrieving files, such as images, documents, or other content, that you choose to upload or download within the app.
  3. Network and Wi-Fi State: To check your device’s network connectivity and Wi-Fi status. This helps us ensure the app functions smoothly by confirming an active internet connection for features like syncing data or loading content.
  4. Billing: To process in-app purchases or subscriptions. This permission allows our third-party payment processor to handle transactions securely when you opt for paid services.
  5. Internet: To enable the app to connect to the internet. This is essential for accessing online features, syncing your data, and delivering real-time updates or content.
  6. Notifications: To send you push notifications about app updates, new features, or social interactions. You can manage notification preferences in your device settings or within the app.
  7. Phone State: To access basic device information, such as the device’s status, to optimize app performance, and ensure compatibility. We do not use this permission to access your phone number or call logs.
  8. Wake Lock: To keep the device awake during specific tasks, such as playing audio recordings or ensuring uninterrupted background processes. This ensures a seamless experience when using certain features.
  9. Contacts: With your explicit permission, our app may access your contacts to enable you to invite friends to join the service. We only access contacts when you grant permission through your device settings, and you can revoke this permission at any time.
  10. Dynamic Receiver Not Exported Permission: This is a system-level permission used to ensure secure communication between app components. It does not directly access your data, but is required for the app to function properly on newer Android/IOS versions.
  11. Some other app permissions: We will ask for your permission before doing so.

We only request permissions that are necessary for the app’s functionality and do not use them for any other purposes. You can manage these permissions through your device settings at any time. If you deny certain permissions, some features of the app may not work as intended.

1.5. Sensitive Information

We do not process sensitive information. All personal information you provide must be true, complete, and accurate, and you must notify us of any changes to such personal information. Information is automatically collected.

We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information). It may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services and for our internal analytics and reporting purposes. Like many businesses, we also collect information through cookies and similar technologies.

The information we collect includes the following:

  1. Log and Usage Data: Log and usage data are service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services, which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports, and hardware settings).
  2. Cookies and tracking Technologies: We use cookies and similar tracking technologies (such as web beacons, pixels, and local storage) to enhance your browsing experience, analyze site traffic, provide social media features, personalize content and advertisements, and understand user behavior on our Services. You can manage or disable cookies through your browser settings. Most browsers allow you to block or delete cookies by adjusting the settings. Please note that disabling cookies may affect the functionality of some features of the Services. Types of cookies we use:
    • Essential Cookies: Required for basic functionality and security. These cookies enable features such as account login and secure checkout.
    • Performance and Analytics Cookies: Help us analyze how visitors use our website, so we can measure and improve performance (e.g., pages visited, error messages).
    • Functional Cookies: Enable enhanced functionality and personalization, such as remembering your preferences and settings.
    • Advertising and Targeting Cookies: These may be set by us or third-party partners to build a profile of your interests and show you relevant advertisements on other websites.
  3. Log Files: Similar to most online platforms, we utilize web server log files. These logs capture information such as internet protocol (IP) addresses, types of browsers, internet service providers, pages that referred you to us, pages you exit to, types of platforms, and timestamps. We employ these log files to manage our site, gather aggregate traffic data for site planning, and ensure compliance with our terms of service. It’s important to note that in these log files, IP addresses are not linked to personally identifiable information.
  4. Device Data: We collect device data such as information about your computer, phone, tablet, or other devices you use to access the Services. Depending on the device used, this data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.
  5. Chatbot Interactions: Questions you ask and AI responses are logged to personalize your experience. Conversations are stored locally or within a secure cloud, based on your deployment.
  6. Location Data: We collect location data, such as information about your device’s location, which can be precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information by refusing access or disabling your Location setting on your device. However, if you opt out, you may not be able to use certain aspects of the Services.
  7. Analytics: When you utilize our website, mobile, and desktop applications, or widgets provided to other sites, we automatically gather analytics information. This may encompass general device details, device identifiers, network information, and interactions with websites and applications. We collect data in a pseudonymous form, and this analytics information does not include any personally identifiable information from your profile. We use this data to analyze and enhance the functionality of our services and applications and to further develop and test our service. For this purpose, we may employ both internal analytics and third-party service providers, which collect data like how often users access the Services and what pages they visit. We do not combine this data with personally identifiable information.

2. PROCESSING OF YOUR PERSONAL INFORMATION

We process your personal information for a variety of reasons, depending on how you interact with our Services, including but not limited to:

  1. To confirm and respond to your user account: We acknowledge, confirm, and manage your user account; send all new users a welcome activation email to verify their email address; respond to your inquiries, comments, or concerns.
  2. To send you marketing and promotional communications: We may process the personal information you send us for our marketing purposes if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time.
  3. To deliver targeted advertising to you: We may process your personal information to develop and display personalized content and advertising tailored to your interests, location, and more.
  4. To authenticate your user account and protect our Services: We may process your personal information as part of our efforts to keep our Services safe and secure, including fraud monitoring and prevention, ensure its security and the security of our services, and preventing spam, fraud, and abuse.
  5. To identify usage trends: We may process personal information about how you use our Services to better understand how they are being used so we can improve them.
  6. To determine the effectiveness of our marketing and promotional campaigns: We may process your personal information to better understand how to provide marketing and promotional campaigns that are most relevant to you.
  7. To save or protect an individual’s vital interest: We may process your personal information when necessary to save or protect an individual’s vital interests and prevent harm.
  8. For Paid Users: To provide you with subscription services and contact you regarding your use of such services. This is necessary for us to fulfill your requests. Paid Users will also receive a notification email from our payment processor if there are any issues with billing their cards for auto-renew subscriptions. Users cannot opt out of these messages, though they can delete their account.
  9. To enhance and operate technical tasks for our websites or mobile applications: Managing our Services to understand how visitors interact with our Website and application, ensuring optimal presentation for you and your device. Troubleshooting, data analysis, testing, research, statistical and survey purposes, and maintaining the security of our Website and application, network, and information systems.
  10. Sharing information and compliance with legal obligations: We share your personal information with third parties in the following scenarios, but we emphasize that none of these instances constitute a sale of your data. This is not considered the “selling” of your personal information. We do not receive monetary or other valuable consideration in exchange for your data:
    • Service Providers: We engage third-party service providers for operational support, such as payment processing, IT services, analytics, digital advertising, and marketing solutions. These parties may access, process, or store your personal information to perform services on our behalf, but they are contractually obligated to use your personal information only for the purposes we specify and by this policy.
    • Payment Information: Paid users must provide payment details for billing purposes, which are processed by our third-party payment processors. We do not access your payment card information during transactions. Contact information is used for communication if there are order processing issues.
    • Third-Party Content Providers: When you purchase market data, we share your contact details with providers, who process this information to grant you access.
    • Affiliated Businesses: Our affiliates may access and process your personal information to provide requested services, offer products, and for the purposes outlined in this policy.
    • Analytics Providers: We use third–party analytics for our services and applications to monitor usage and improve functionality.
    • Administrative and Legal Reasons: We may disclose your data if we believe it is reasonably necessary to comply with a law, regulation, legal process, or governmental request; to protect the safety of any person; to address fraud, security, or technical issues; or to protect our rights, property, or those of our users or affiliates.
    • Business Transfers: In the event of a merger, acquisition, bankruptcy, reorganization, or sale of assets, your personal information may be transferred as part of that transaction. This policy will apply to your personal information as transferred to the new entity.

3. RETENTION OF YOUR PERSONAL INFORMATION

  1. We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting, anti-money laundering requirements, or other legal requirements).
  2. Retention periods vary depending on the type of personal information and the purpose for which it was collected, but we will destroy outdated or unused information at the earliest reasonable time, typically within 10 years, unless a longer period is required by law. If this is not possible (for example, because your personal information has been stored in backup archives), we will securely store your personal information and isolate it from any further processing until deletion is possible.

4. SECURITY OF YOUR PERSONAL INFORMATION

  1. We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process.
  2. However, despite our safeguards and efforts to secure your personal information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your personal information.
  3. Although we will do our best to protect your personal information, the transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment and use a strong, unique password for your account, and avoid sharing it with others.

5. YOUR PRIVACY RIGHTS

As a user of our services, you have certain rights regarding your personal information:

  1. Right to Deletion: You have the right to request the deletion of your personal information that we have collected. To exercise this right, please contact us or use the account deletion option in your Profile settings.
  2. Right to Access: You have the right to request access to the personal information we have collected about you. We will provide you with a copy of your data upon request. Contact us to make this request.
  3. Right to Rectification: If you believe that any personal information we hold about you is incorrect or incomplete, you have the right to request correction. You can update your profile information directly or contact us.
  4. Right to Know About Data Sales: You have the right to know whether your personal information is being sold to third parties. As disclosed in this policy, we do not sell your data. Therefore, there are no sales of your data to report.
  5. Right to Know About Data Sharing: You have the right to know whether your data is being shared with third parties. Details of our sharing practices are outlined in the “Sharing Personal Information” section below.
  6. Right to Opt Out of Data Sale: You have the right to opt out of the sale of your data. Since we do not sell your data, the opt-out option for data sales is not applicable. However, see the “Opting Out of Data Sale or Targeted Ads” subsection below for instructions on opting out of targeted advertising.
  7. Right to Object to Processing: You have the right to object to the processing of your data, particularly for marketing purposes or where processing is based on our legitimate interests.
  8. Right to Data Portability: Where technically feasible, you have the right to request the transfer of your data to another service in a structured, commonly used, and machine-readable format.
  9. Right to Withdraw Consent: If we process your data based on your consent, you can withdraw your consent at any time by contacting us. This will not affect the lawfulness of processing based on consent before its withdrawal.
  10. Right to Lodge a Complaint: You have the right to complain to a supervisory authority if you believe that your data protection rights have been violated. You may contact your local data protection authority for assistance.

6. LEGAL BASES FOR PROCESSING YOUR PERSONAL INFORMATION

6.1. This section applies to you if you are in the EU or the UK The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on to process your personal information. As such, we may rely on the following legal bases to process your personal information:

  1. Consent: We may process your personal information if you have permitted us (i.e., consent) to use your personal information for a specific purpose. You can withdraw your consent at any time.
  2. Legitimate Interests: We may process your personal information when we believe it is reasonably necessary to achieve our legitimate business interests. Those interests do not outweigh your interests and fundamental rights and freedoms. For example, we may process your personal information for some of the purposes described to:
    • Send users personal information about special offers and discounts on our products and services
    • Develop and display personalized and relevant advertising content for our users
    • Analyse how our services are used so we can improve them to engage and retain users
    • Support our marketing activities
    • Diagnose problems and/or prevent fraudulent activities
  3. Legal Obligations: We may process your personal information where we believe it is necessary to comply with our legal obligations, such as cooperating with a law enforcement body or regulatory agency, exercising or defending our legal rights, or disclosing your personal information as evidence in disputes, litigation in which we are involved.
  4. Vital Interests: We may process your personal information where we believe it is necessary to protect your vital interests or the vital interests of a third party, such as in situations involving potential threats to the safety of any person.

In legal terms, we are generally the “data controller” under European data protection laws of the personal information described in this privacy notice since we determine the means and/or purposes of our data processing. This privacy notice does not apply to the personal information we process as a “data processor” on behalf of our customers. In those situations, the customer with whom we provide services and with whom we have entered into a data processing agreement is the “data controller” responsible for your personal information, and we merely process your personal information on their behalf by your instructions. To know more about our customers’ privacy practices, you should read their privacy policies and direct any questions you have to them.

6.2. If you are located in Canada, this section applies to you.

  1. We may process your personal information if you have given us specific permission (i.e., express consent) to use your personal information for a specific purpose or in situations where your permission can be inferred (i.e., implied consent). You can withdraw your consent at any time.
  2. In some exceptional cases, we may be legally permitted under applicable law to process your personal information without your consent, including, for example:
    • If collection is clearly in the interests of an individual and consent cannot be obtained promptly.
    • For investigations and fraud detection, and prevention.
    • For business transactions, provided certain conditions are met.
    • The collection is necessary to assess, process, or settle an insurance claim if it is contained in a witness statement.
    • Identifying injured, ill, or deceased persons and communicating with next of kin.
    • If we have reasonable grounds to believe an individual has been, is, or may be a victim of financial abuse.
    • If it is reasonable to expect that collection and use with consent would compromise the availability or the accuracy of the personal information, the collection is reasonable for purposes related to investigating a breach of an agreement or a contravention of the laws of Canada or a province.
    • If disclosure is required to comply with a subpoena, warrant, court order, or rules of the court relating to the production of records
    • If an individual produced it during their employment, business, or profession, the collection is consistent with the purposes for which the personal information was produced.
    • If the collection is solely for journalistic, artistic, or literary purposes.
    • If the personal information is publicly available and is specified by the regulations.

6.3. If you are located in the United States, this section applies to you.

  1. California Residents (CCPA): Under the California Consumer Privacy Act (CCPA), you have the right to know what personal information is being collected, the right to request deletion, and the right to opt out of the sale of your personal information. We comply with these rights as outlined in this policy. We will not discriminate against you for exercising your CCPA rights. In the past 12 months, we have collected personal information as described in the “Personal Information Collection” section and shared it as described in the “Sharing Personal Information” section.
  2. Virginia Residents (VCDPA): Under the Virginia Consumer Data Protection Act (VCDPA), you have the right to access, correct, delete, and opt out of the processing of your data for targeted advertising or sales. We ensure these rights are available to you as described.
  3. Nevada Residents: We do not sell your personal information for monetary consideration as defined by Nevada law. However, you have the right to submit a request to opt out of any potential future sales by contacting us.
  4. Other U.S. State Residents: Several other U.S. states, including but not limited to Colorado, Connecticut, Utah, and others, have enacted or will enact privacy laws that may provide you with certain rights regarding your personal information. These rights may include:
    • The right to access and obtain a copy of your data;
    • The right to request deletion or correction of your data;
    • The right to opt out of the processing of personal information for purposes such as targeted advertising or profiling;
    • The right to appeal a decision if your request is denied.

    We are committed to complying with applicable state privacy laws and providing you with a reasonable means to exercise your rights. If you reside in one of these states and would like to make a privacy-related request, please refer to the “Your Privacy Rights” section or contact us.

6.4. If you are located in Asia, this section applies to you: Where required under applicable laws in Asia, we process personal information based on recognized legal grounds such as the individual’s consent, performance of a contract, compliance with legal obligations, protection of vital interests, and legitimate interests. We strive to comply with regional data protection regulations, including those in Southeast Asia and East Asia, and implement appropriate safeguards to ensure the lawful and fair use of your data.

7. CONTROLS FOR DO-NOT-TRACK FEATURES

  1. Most web browsers, mobile operating systems, and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference and not to have data about your online browsing activities monitored and collected.
  2. No uniform technology standard for recognizing and implementing DNT signals has been finalized at this stage. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online.
  3. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

8. INTERNATIONAL DATA TRANSFERS

  1. We may transfer your personal information to countries other than the one in which you reside, including to the United States, where our servers are located. These countries may have data protection laws that differ from those in your country. By using our Services, you consent to the transfer, storage, and processing of your personal information in these countries.
  2. For users in the EEA, UK, or Switzerland, we ensure that any international data transfers comply with applicable data protection laws. We implement safeguards such as:
    1. Transferring data to countries deemed to have adequate data protection by the European Commission;
    2. Using standard contractual clauses approved by the European Commission to ensure an adequate level of protection.

9. THIRD-PARTY SITES

  1. Our Website may contain links to third-party websites or services that are not owned or controlled by us. These sites operate under their privacy policies, and we are not responsible for their content, practices, or handling of personal information.
  2. We encourage you to review the Privacy Policy of each site you visit. This Privacy Policy applies only to personal information collected through our Website.

10. REVISIONS AND UPDATES

  1. We may update this Privacy Policy from time to time. The updated version will be indicated by an updated “Revised” date, and the updated version will be effective as soon as it is accessible. If we make material changes to this Privacy Policy, we may notify you by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your personal information.
  2. We reserve the right to modify this Privacy Policy at our discretion by posting a new version on our website. You should periodically check our website to ensure you are comfortable with any changes. If we make any material changes to this policy, we will notify you through the app, via email, or by posting a prominent notice on our website before the change becomes effective. Your continued use of the Services after such changes constitutes your acceptance of the revised policy.
  3. The latest version of this Privacy Policy was updated on June 20, 2025.

11. CONTACT INFORMATION

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us. We are responsible for overseeing data protection matters. You can contact us at: