Privacy Policy

Last updated: February 27, 2026

TrueRatePath ("we," "us," or "our") operates the website trueratepath.com and related services. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our services.

1. Who We Are

TrueRatePath is operated by Pacific Credit Solutions, located at 1024 Bayside Drive, Suite 407, Newport Beach, CA 92660. We are not a lender, mortgage broker, or financial advisor. We connect homeowners with licensed mortgage professionals and lending partners who may offer home equity products including HELOCs, home equity loans, and cash-out refinances.

2. Information We Collect

Information You Provide

When you interact with our services, we may collect:

• Name, email address, phone number, and mailing address
• Loan amount requested and loan purpose
• Information from your original loan application (provided by our lead generation partners)

Information from Third Parties

We obtain property and real estate data from third-party data providers including ATTOM Data Solutions. This data, derived from public records, may include:

• Estimated home value (automated valuation models)
• Estimated available equity
• Mortgage and lien information from public filings
• Property characteristics (square footage, bedrooms, year built)

Information Collected Automatically

When you visit our site, we automatically collect:

• IP address, browser type, device type, and operating system
• Pages viewed, time on page, and referring URLs
• Cookies and tracking pixels from our advertising partners (see Section 6)

3. How We Use Your Information

We use your information to:

• Present personalized home equity options based on your property data
• Connect you with licensed mortgage professionals and lending partners
• Send you communications (calls, texts, and emails) about home equity products, subject to your consent
• Improve our services, analyze usage patterns, and prevent fraud
• Comply with legal obligations

4. Consent to Communications (TCPA Disclosure)

When you click "Yes, that's me — show my options" on our site, you provide express written consent under the Telephone Consumer Protection Act (TCPA) to receive:

• Telephone calls, including calls made using an automatic telephone dialing system or prerecorded voice
• Text messages (SMS/MMS), including those sent using automated technology
• Emails from TrueRatePath and our lending partners

These communications will be sent to the phone number and email address associated with your application. Consent is not a condition of purchasing any product or service. Message and data rates may apply. Message frequency varies. You may opt out at any time by replying STOP to any text message, clicking unsubscribe in any email, or contacting us at privacy@trueratepath.com.

5. How We Share Your Information

We may share your personal information with:

• Lending Partners: Licensed mortgage professionals and companies who may contact you about home equity products. When we share your information with lending partners, their own privacy policies govern their use of your data.
• Lead Generation Partners: Companies that referred you to our service, for the purpose of tracking and attribution.
• Service Providers: Third parties that help us operate our business, including property data providers (ATTOM), communication platforms (SMS, email), analytics services, and hosting providers.
• Advertising Partners: We share limited data with advertising platforms (e.g., Meta/Facebook, Google) through tracking pixels for conversion measurement and retargeting.
• Legal Requirements: When required by law, subpoena, court order, or to protect our rights, property, or safety.

We do not sell your personal information to unaffiliated third parties for their own direct marketing purposes, except as described in our Do Not Sell My Personal Information page regarding sharing with lending partners under California law.

6. Cookies and Tracking Technologies

We use cookies, pixel tags, and similar technologies to:

• Track conversions and measure advertising effectiveness
• Enable retargeting through advertising platforms
• Analyze site usage and improve our services

Third-party cookies may be set by Facebook/Meta, Google Ads, and other advertising partners. You can manage cookie preferences through your browser settings. Note that disabling cookies may affect site functionality.

7. Your Rights Under California Law (CCPA/CPRA)

If you are a California resident, you have the right to:

• Know what personal information we collect, use, and share
• Delete your personal information (subject to certain exceptions)
• Opt out of the sale or sharing of your personal information
• Non-discrimination for exercising your privacy rights
• Correct inaccurate personal information
• Limit the use of sensitive personal information

To exercise any of these rights, visit our Do Not Sell My Personal Information page or email us at privacy@trueratepath.com. We will respond to verified requests within 45 days.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information, including 256-bit SSL/TLS encryption for data in transit. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. TCPA consent records are retained for a minimum of five (5) years from the date of consent.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top reflects the most recent revision. Continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Us

For questions about this Privacy Policy or to exercise your privacy rights:

• Email: privacy@trueratepath.com
• Mail: TrueRatePath c/o Pacific Credit Solutions, 1024 Bayside Drive, Suite 407, Newport Beach, CA 92660