Last Updated: September 17, 2026
Online Refinance Today (“Company,” “we,” “us,” or “our”) operates https://onlinerefinancetoday.com (the “Website”). We are committed to protecting your privacy and being transparent about how we collect, use, disclose, and protect information obtained through the Website.
This Privacy Policy describes the types of information we collect, how we use and share that information, the technologies we use to collect information, and the choices available to you.
By accessing or using the Website, you acknowledge the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Website.
1. U.S. Website
The Website is intended for use by individuals located in the United States and is designed to provide mortgage, refinancing, home-finance, and related information and offers relevant to the U.S. market.
We do not intentionally design the Website to solicit users outside the United States. Certain features, content, offers, or services may be unavailable based on a user’s geographic location. We may use information such as the state or ZIP code provided by you, IP address, or other available geographic information to determine eligibility for particular content, offers, or services.
2. Information We Collect
We may collect information that you provide directly to us when you subscribe to our newsletter, complete a form, request information, participate in a promotion or survey, or otherwise communicate with us.
Depending on how you interact with the Website, this information may include your name, email address, ZIP code, state, homeownership status, mortgage status, interest in purchasing or refinancing a home, approximate mortgage or financing information, and other information you voluntarily provide.
We may also collect information automatically when you visit or interact with the Website. This may include your IP address, browser and device information, operating system, Internet service provider, referring and exit pages, pages viewed, links clicked, date and time of activity, general geographic information, and information about your interactions with the Website.
We may receive additional information from third parties, including advertising and marketing partners, analytics providers, data providers, social media platforms, and other business partners. Such information may include demographic, geographic, behavioral, interest, or marketing information.
Our Website is not intended to collect Social Security numbers, bank account passwords, payment passwords, or similar authentication credentials through ordinary newsletter signup forms. You should not submit sensitive financial credentials unless expressly requested through a secure service operated by the applicable provider.
3. How We Use Information
We use the information we collect to operate and improve the Website, provide our newsletter and other requested communications, understand our users and their interests, and provide mortgage-related information, advertisements, promotions, and offers.
We may use information provided by you, together with information about your interactions with the Website and our communications, to determine which content and third-party offers may be relevant to you. These offers may relate to mortgages, refinancing, home financing, homeownership, financial services, or other products and services associated with the Website.
We may also use information for analytics, marketing measurement, campaign attribution, Website security, fraud prevention, troubleshooting, internal research, compliance with legal obligations, and protection of our rights and users.
4. Newsletter and Third-Party Offers
When you subscribe to our newsletter, you may receive emails containing mortgage-related information, educational content, advertisements, sponsored content, promotions, and offers from third-party companies.
These third parties may include mortgage lenders, mortgage brokers, financial service providers, refinancing providers, home-financing companies, advertisers, marketing partners, and other companies offering products or services that may be relevant to your interests.
We may receive compensation from third parties in connection with advertisements or promotional offers presented through the Website or our emails. Compensation may be based on advertising placement, clicks, conversions, purchases, or other marketing activity.
We are not necessarily the provider of any third-party product or service promoted through the Website or our communications. We do not guarantee the availability, eligibility, rates, terms, pricing, or suitability of any third-party product or service. Any decision to engage with a third party is made directly between you and that third party.
If you choose to interact with a third-party offer, the third party may collect additional information from you and its own privacy policy and terms will govern that interaction.
5. Disclosure of Information
We may disclose personal information to third parties when reasonably necessary to operate our business and for the purposes described in this Privacy Policy.
We may share information with service providers that perform functions on our behalf, such as website hosting, email delivery, email marketing, analytics, data storage, customer relationship management, advertising, attribution, security, and technical services.
We may also share information with advertising and marketing partners to facilitate advertising, measure campaign performance, personalize content and offers, and provide or promote products and services that may be relevant to you.
Where appropriate, information may be provided to third-party companies whose products or services are promoted through our Website or newsletter. For example, information associated with your interests or interactions may be used to facilitate a relevant offer or marketing communication from a third party.
We may also disclose information when required or permitted by law, including in response to legal process or governmental requests, to protect our rights or property, to investigate fraud or unlawful activity, to protect the safety of our users or the public, or to enforce our agreements.
If our business is involved in a merger, acquisition, financing, restructuring, sale of assets, bankruptcy, or similar transaction, personal information may be transferred as part of that transaction, subject to applicable law.
6. Cookies and Tracking Technologies
We and our service providers may use cookies, web beacons, pixels, JavaScript, and similar technologies to operate the Website, remember preferences, understand Website activity, measure advertising performance, attribute conversions, personalize content and offers, and improve our marketing and services.
Third-party advertising, analytics, and technology providers may independently use these technologies on or through the Website and may collect information about your activity. Their collection and use of information is governed by their respective privacy policies.
You may be able to control or disable cookies through your browser settings. Disabling certain cookies may affect the functionality of the Website.
7. Email Tracking
Our emails may contain tracking technologies that allow us and our service providers to determine whether an email was delivered or opened, whether links were clicked, and how recipients interacted with our communications.
We use this information to measure engagement, evaluate campaign performance, improve our newsletter, and understand which content and offers may be relevant to our subscribers.
8. Marketing Communications and Unsubscribing
By subscribing to our newsletter, you agree to receive mortgage-related newsletters, advertisements, promotional communications, and third-party offers by email, subject to applicable law.
You may unsubscribe from marketing emails at any time by using the unsubscribe link included in our emails or by contacting us at:
Once an unsubscribe request is processed, we will take reasonable steps to prevent your email address from being used for future marketing communications. We may retain your email address on a suppression list where necessary to honor your unsubscribe request and comply with applicable law.
We do not currently use the newsletter signup to obtain consent for marketing communications by telephone or SMS/text message.
9. Data Retention
We retain personal information for as long as reasonably necessary to provide our services, maintain newsletter subscriptions and suppression records, operate and improve our business, measure marketing activity, comply with legal obligations, resolve disputes, prevent fraud, and protect our legitimate business interests.
The period for which information is retained may vary depending on the type of information, the purpose for which it was collected, and applicable legal requirements.
When information is no longer reasonably necessary for these purposes, we may delete, anonymize, or securely dispose of it, subject to applicable legal and business requirements.
10. Your Privacy Rights
Depending on your state of residence and applicable law, you may have certain rights concerning your personal information. These may include the right to request access to, correction of, or deletion of personal information, as well as rights relating to certain uses, disclosures, sales, or sharing of personal information.
To exercise a privacy right or submit a privacy-related request, contact us at:
We may need to verify your identity before processing certain requests. Your rights may be subject to applicable legal exceptions and limitations.
11. California Residents
Our Website is intended for users in the United States, and we may restrict participation in particular marketing programs based on geographic eligibility.
If applicable law requires us to provide California-specific privacy disclosures or controls, we will provide those disclosures and controls as required.
If the California Consumer Privacy Act (“CCPA”) applies to our business and your personal information, California residents may have additional rights concerning their personal information, including rights to know, delete, correct, and opt out of certain sales or sharing of personal information.
California residents may contact us regarding applicable privacy rights at:
Additional California-specific notices may be provided at the point of collection or through the Website where required by applicable law.
12. Children’s Privacy
The Website is not directed toward children under the age of 13, and we do not knowingly collect personal information from children under 13.
If we learn that we have collected personal information from a child under 13, we will take reasonable steps to delete that information.
13. Data Security
We maintain reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, use, alteration, disclosure, or destruction.
However, no method of transmission over the Internet or method of electronic storage is completely secure. Accordingly, we cannot guarantee the absolute security of personal information.
14. Third-Party Websites
The Website and our emails may contain links to websites, applications, or services operated by third parties.
We do not control those third-party websites or their privacy practices. Your interactions with those websites are governed by the applicable third party’s terms and privacy policy.
We encourage you to review the privacy policy of any third-party website before providing personal information.
15. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our business, Website, technology, data practices, or applicable laws.
When we make changes, we will update the Last Updated date at the beginning of this Privacy Policy. We encourage you to periodically review this page for the latest information about our privacy practices.
16. Contact Us
If you have questions about this Privacy Policy or our privacy practices, you may contact us at:
Online Refinance Today
Website: https://onlinerefinancetoday.com
Email: [email protected]
Last Updated: September 17, 2026
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