Privacy Policy

This Privacy Policy describes how Mortgage News Daily: Insights ("we," "our," or "us") collects, uses, and protects your information when you use our mobile application (the "App").

1. Information We Collect

1.1 Information You Provide

• Alert Preferences: Rate thresholds, loan types, and notification preferences you set up
• Device Settings: Notification permissions and app preferences
• Support Communications: Information you provide when contacting our support team

1.2 Automatically Collected Information

• Usage Data: How you interact with the app, features used, and session duration
• Device Information: Device type, operating system version, and app version
• Performance Data: Crash reports and app performance metrics (anonymized)

1.3 Third-Party Data

• Mortgage Rate Data: We collect current mortgage rates from public sources including FRED (Federal Reserve Economic Data)
• Market Data: Economic indicators and market trends from government and financial data sources

2. How We Use Your Information

We use the collected information to:

• Provide personalized rate alerts and notifications
• Generate AI-powered daily market insights and analysis
• Improve app functionality and user experience
• Send you relevant mortgage rate updates based on your preferences
• Provide customer support and respond to your inquiries
• Ensure app security and prevent misuse

3. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information only in the following circumstances:

• Service Providers: With trusted third-party services that help us operate the app (analytics, notifications, data storage)
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets (with advance notice)
• Safety and Security: To protect the rights, property, or safety of our users or others

4. Data Storage and Security

We implement industry-standard security measures to protect your information:

• Data encryption in transit and at rest
• Secure cloud infrastructure with regular security audits
• Limited access controls for our team members
• Regular security updates and monitoring

Your alert preferences and app settings are stored locally on your device and synchronized securely with our servers to provide consistent experience across devices.

5. Your Privacy Rights

You have the right to:

• Access: Request a copy of the personal information we have about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Opt-out: Disable notifications and alerts at any time through app settings
• Data Portability: Request your data in a portable format

6. Children's Privacy

Mortgage News Daily: Insights is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we discover that we have collected information from a child under 13, we will delete it immediately.

7. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

8. International Users

If you are located outside the United States, please note that your information may be transferred to, stored, and processed in the United States where our servers are located. By using the app, you consent to this transfer.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy in the app
• Sending an in-app notification
• Updating the "Last Updated" date at the top of this policy

Your continued use of the app after changes become effective constitutes acceptance of the updated policy.

10. Third-Party Services

Our app may contain links to third-party websites or services. This Privacy Policy does not apply to those third-party services. We encourage you to review the privacy policies of any third-party services you access.