Privacy Policy

Last Updated: March 2, 2026

1. Introduction

Fixed Rate Mortgage Inc (we, us, our) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use our website and services, including SMS marketing, email marketing, appointment reminders, and website tracking tools. By using our services or opting into our communications, you agree to this Privacy Policy and our Terms and Conditions.

2. Information We Collect

=> * Contact Information: We may collect your name, email address, phone number, and mailing address when you submit forms, book appointments, or request information.

=> Communications Data: If you opt in, we collect your messaging preferences and maintain records of consent and opt-out activity related to SMS and email communications.

=> Usage and Device Information: We use cookies, pixels, and analytics tools to collect information about how you use our website, including IP addresses and interaction data.

=> Appointment and Service Data: If you schedule consultations or use our services, we collect details associated with those interactions.

3. How We Use Your Information

We use your information to:

=> Provide requested services and customer support.

=> Send appointment confirmations and reminders via SMS and email.

=> Send SMS and email communications that you have explicitly consented to receive.

=> Maintain strict compliance records related to A2P 10DLC consent and opt-outs.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to personalize your experience and understand how our website is used. You can control cookies through your browser settings.

5. How We Share Your Information

We do not sell your personal information. Strictly for A2P 10DLC compliance, we adhere to the following non-sharing standards:

=> Non-Sharing Clause: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.

=> Excluded Data: All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

=> Service Providers: Information sharing to subcontractors in support services, such as customer service or dispatch tools, is permitted. These providers may only use information to perform services on our behalf.

=> Legal and Safety: We may disclose information if required by law or to protect the safety and security of our users and business.

6. Your Choices

=> * SMS Opt-Out: You can opt out of SMS messages at any time by replying STOP to any message. After you send STOP, we will send a confirmation message and you will no longer receive SMS messages unless you opt back in.

=> Help Instructions: For additional support, you may reply HELP to any text message or contact us directly.

=> Email Opt-Out: You can unsubscribe from marketing emails by clicking the "unsubscribe" link in the email.

7. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. While we strive for absolute security, no method of transmission over the internet is 100% secure.

8. Children’s Privacy

Our services are not intended for children under 13, and we do not knowingly collect personal information from children. Additionally, by opting into our SMS services, you represent that you are at least 18 years of age.

9. Updates to This Policy

We may update this Privacy Policy to reflect changes in carrier requirements or business practices. The updated version will be posted with a new Last Updated date.

10. Contact Us If you have questions about this Privacy Policy, contact:

Fixed Rate Mortgage Inc

Address: 13006 Philadelphia St Ste 310, Whittier CA 90601

Phone: 562-600-6119

Email: [email protected]