PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE PLATFORM OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY.
IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE EXIT THIS PAGE AND DO NOT ACCESS OR USE THE PLATFORM OR SERVICES.
This platform offers a combination of marketing and technology services which are utilized by small to large brands for marketing purposes, consent management, and client acquisition/retention. This platform/ service is intended for United States residents only.
We are not a lender, debt service, debt settlement company, real estate company, insurance agent/provider, auto sales company, automotive warranty organization or a home services contractor. This is not, and is not intented to be any type of application for any insurance or financial product.
Consumer Privacy
We are committed to providing users a friendly and safe environment for providing consumer data.
This Privacy Policy discloses the privacy practices of HarpRateQuiz.com, an Arizona limited liability company and its affiliates and subsidiaries, (collectively “HarpRateQuiz.com”, “we”, “us”, “our”, or “Company”) and governs the use of this platform, or other Company web properties, platforms, products and services (collectively, the “Services” or “Platform”) by users (“you” or “your” ).
We have created this Privacy Policy to inform you about what information we collect, how we secure that information, how we use and share that information.
Information Collected
We collect general types of information about you when you visit and use this platform; examples include personal information, demographic information, behavioral information, and indirect information. Sometimes we collect combinations of these types of information. Depending on what product/service you inquire about, some of the information that may be requested will be identified as mandatory or as voluntary. If you do not wish to provide the mandatory information for a particular product/service, you will not be permitted to submit an inquiry as some information is required to process your requests.
No Information Collected from Children. We will never knowingly collect any Personal Information from children under the age of 13. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 13, that information will be immediately deleted from its database. Because it does not collect such information, we have no such information to use or to disclose to third parties.
“Personal information”
is information that can be used to identify you that you are prompted to provide on this platform to process your inquiry. Such information may include your name, address, telephone number(s), mobile numbers and email address, employment status or other unique information about you which you provide to us on this platform, or through the course of communicating with us about the products and services provided on this platform.“Demographic information”
is information that refers to selected population characteristics. Such as zip code, military status, personal and online interests. When we can identify you through this information, it is Personal Information.“Behavioral information”
is information which is automatically collected when you use the platform. It includes the areas of the platform that you visit, what services you engage with, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other web properties you may have visited. When we can identify you through this information, it is Personal Information.“Third party information”
is information about you that we acquire from a third party which may include personal, demographic, behavioral and indirect information. This collection may include, but not limited to, first party cookies, third party cookies, anonymous cookies, persistent identifiers, email opt in, and search engine keywords. We have no access or control over these cookies as they are owned by third parties and other tracking devices owned and/or used by third party advertisers and networks. Because we have no ownership or control over these cookies, they are goverened by third party policies and their practices. Therefore, we have no responsibility or liability for such third parties or their policies and practices.Web technology information
may be personal or non-presonal and is collected by us or third parties under contract with us. We use two third party services: ActiveProspect’s TrustedForm Script is used to independently document users’ consent to be contacted. The TrustedForm Script is embedded on this website and collects the following information when you interact with the page(s) where the script is present: page URL, mouse movements and clicks, contact information inputted by the user, a snapshot of the page, including IP address of the user’s computer, time on the page, date and time that the TrustedForm Script was loaded, as well as the date and time of the various user interactions with the page, and HTTP headers from the user’s browser. For more information about ActiveProspect’s data use and collection policies and practices, please review the ActiveProspect Privacy Policy, located at ActiveProspect. Similarly, we utilize Jornaya’s LeadiD script which is embedded on this website and also collects information such as browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, IP address and number of clicks and tracks users’ movements around the site (including the capture of visual snapshots of the user’s activity on the site). To review Jornaya’s data use and collection policies and practices, please visit: Jornaya. The information collected from this technology is combined with other aggregate data to issue a unique identifier for that site visit.Information Collected Through Technology
Generally, we, third parties and advertisers place and use tracking technologies on our website. This includes, but is not limited to cookies, web beacons, and java scripts.
These technologies or similiar tracking technologies are used to collect web technology information about you which includes data such as internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. This information is used to analyze trends, administer our Services, track users’ movements through our web properties and gather demographic information about our user base as a whole. We may receive reports based on these technologies on an individual or aggregated basis.
“Cookies” are a feature in your browser software. If enabled, cookies store small amounts of data on your computer about actions you take on the pages of this Platform. Cookies assist us in tracking which of our features you visit most often, and what content you viewed on past visits. When you visit this platform again, cookies allow us to remember you’re your settings and may be used for authentication. We may use cookies to keep track of the number of return visits, accumulate and aggregate statistical information generally pertaining to this platform, and deliver specific content to you based on your past viewing history. You can disable cookies, although this platform may not function properly for you. Your browser preferences can be modified to accept or reject all cookies or request a notification when a cookie is set.
Third Party Cookies. We allow third party vendors and advertisers to set their own cookies on and through this Platform. We have no control over the practices of those third parties and are not responsible for their technology or tracking. We encourage you to review the policies of such persons or entities on their websites. We use AdWords Remarketing through Google which is a Remarketing and Behavioral Targeting service provided by Google Inc. that connects the activity on this Platform with the AdWords advertising network and the DoubleClick cookie. That Cookie collects information regarding certain patterns in your browsing history. To opt-out of this tracking, please see here.
We also participate in all of Google Analytics Advertising. This includes (i) Remarketing with Google Analytics; (ii) Google Display Network Impression Reporting; (iii) DoubleClick Campaign Manager integration; and (iv) Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please see here.
We also use Google Analytics which is an analysis service also provided by Google Inc. Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service using Google’s Browser Add-available here.
Social Media Cookies: This Platform may include social media features. These features may collect your IP address, which web properties you engage with, and may set a cookie to enable the feature to function properly. Social media features are either hosted by a third party or hosted directly on our web properties. Your interactions with these features are governed by the privacy policy of the company providing it.
Web Beacons. We use electronic images known as Web Beacons (sometimes called single-pixel gifs, clear gifs or action tags) which allow us to collect information about your visit to this Platform to measure and improve the effectiveness of any marketing and track delivery of advertising and other communication methods. Web Beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages sent to you. This allows us to determine if you opened or acted upon the email messages. Because Web beacons are the same as any other content request, you cannot opt out or refuse them. However, they can be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.
JavaScript. We may also use JavaScript. JavaScript is a computer language that enhances the functionality of web properties, particularly with respect to pictures. It is also used to track, record and analyze user movements through our website. We use it to prove legal compliance, analyze and improve our Platform’s functions. You may deactivate JavaScript through your browser settings or activate it the same way.
How We Use and Share Information
The information provided on this platform is used to:
- Connect you to multiple businesses who offer products and services that you have expressed interest in.
- Provide you with the services and or products you have requested. This may include passing your information on to a third party to provide such services or products. Although our contractual arrangement limits how this party can use your information, we do not control the privacy practices of third parties. If you have any questions or wish to remove your information from the third party databases, you will need to contact that party directly.
- Improve Our Platform/Sites. We use the information we gather to respond to any inquires you make, operate and improve the functionality of this platform, and deliver services. Our services include the display of personalized products, content, and marketing, relating to your engagement with the platform and any submissions. We may share aggregated anonymous information about you which may be combined with other individuals using this platform with third parties, so that we and our service providers can understand visitors activities and use of the platform.
- We share your information with companies and individuals employed to perform technical functions on our behalf. For example, third parties who host our website, analyze our data, submissions, provide marketing assistance, process credit cards, or provide customer service. Third parties who provide technology on this site will have your data in order to validate submissions, these functions will track and capture the users activities and movements within the inquiry form. Third party services such as Active Prospect and Jornaya are used for these technical functions.. These technical functions record your actions on the platform and store the same for future retrieval to perform internal audits to ensure proper consumer disclosures were provided and provide proof of consent and permission were obtained when required under an applicable Federal and State laws and regulations. These records may also be shared for a legal purpose.
Use of Cross-Device Advertising and Tracking: This platform may collect and use your data for cross-device marketing purposes. This process allows consumers to experience a personalized, informative advertisement that targets specific product interests over multiple devices. The information may also be used for analytics, and reporting purposes such as marketing effectiveness and overall campaign success.
Your information collected on these platforms, websites or applications including your browser or multiple device(s) are combined i.e. Your tablet and cell phone. This allows for delivery of advertisements or informational data to your multiple devices.
This platform may use push notifications and alerts to notify you of services and/or products that you have expressed interest in on multiple devices. If you no longer wish to receive these types of communications, you may turn them off at the device level. To ensure you receive proper notifications, the collection of certain information about your device such as operating system and user identification information is necessary. You may opt-out of push notifications or alerts through your browser settings.
When you submit an inquiry for use of these services, you explicitly authorize us to share your information with our client network, affiliates and/or vendors so that they may contact you via email, SMS, telephone and/or direct mail.
The information you provided will be purchased by the client network, affiliates and/or vendors in order to provide such services.
Specifically, upon submitting your mobile or telephone number , you will give prior expressed written consent to share the information you have provided to receive autodialed or prerecorded calls (including to mobile numbers) and texts and emails from us and/or our client network, affiliates, and vendors to the phone numbers (including mobile numbers). You provide similar express permission when you provide your email addresses. This consent is not a condition, directly or indirectly of any type of purchase.
The personal information that you provided on this platform will be shared with our network of clients. As a result, we provided your personal and non personal information with these businesses so they may contact you. This will allow for you to compare different services/products and providers prior to purchasing such services/products.
Your information may be shared in order to process Opt-Out requests. If you decide that you are no longer interested in receiving SMS or email communications from us, we may share your information with affiliated partners and/or vendors in order to process and monitor our request.
Legal Compliance/Other Information Disclosure: We also reserve the right to disclose your information in good faith as required by law, in response to legal process including law enforcement requests, and with any person or entity that may acquire all or any part of our business or assets, in connection with any change in control of us, and where needed to prevent fraud and to protect the safety, property, or legal rights of users of the Services or our affiliates. We may also disclose your information to manage and protect our information technology infrastructure and security.
Acquisition or Merger: We may disclose and transfer your information to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may
sell, license or otherwise dispose of such information in a transaction approved by the court.
Unsubscribe, Opt-Out or Revoke
You may revoke consent at any time for any use of personal information collected from you under this Privacy Policy. To revoke consent, email us at info@harpratequiz.com with “Revoke Personal Information” in the subject line. PLEASE NOTE: Data collected may be purchased and/ or transferred by our client network, affiliates, and/or vendors which takes place immediately in real-time. Should you decide to unsubscribe, opt-out or revoke consent, your data may have already been sent to our client network/vendors. We will remove your personal information from our internal programs (as permitted by law) and further communication from us will cease. When required, we will also notify those with whom we have shared your information of your request to revoke. If any client network, vendors, or affiliated companies are contacting you, please follow the instructions to opt-out in those entities’ specific communications.
Third Party Information/”Do Not Track”
To try and bring you offers that are of interest to you, we have relationships with other companies that we allow to place ads on our platform. As a result of your visit to our platform, ad server companies may collect information such as your domain type, your IP address and clickstream information. For further information, consult the privacy policies of the companies representing the ads or click here.
Third parties with whom we partner to provide certain features on the platform or to display advertising based upon your web browsing or application activity use Flash cookies and HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5. To manage Flash cookies, please click here.
Our Platform and communications such as email messages sometimes contain hypertext links to websites owned by third parties. We are not responsible for the privacy practices or the content of such other websites. These links are provided for your convenience and reference only. We do not operate or control any information, software, products or services, available on these third party websites. The inclusion of a link on our Platform does not imply any endorsement of the services, products or website, or its sponsoring organization.
“Do-Not-Track” is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not currently respond to Do-Not-Track signals.
If you wish to limit the collection of information by us or third party partners to provide you with advertising based upon your website browsing activities and interests, you may click here to opt out.
To opt out of targeted advertising on your mobile device, iOS users can click here to learn how to limit ad tracking and Android users can click here to learn how to opt out of interest-based ads.
Please note that opting out of interest-based/targeted advertising does not limit all advertising. You will continue to receive generic advertisements.
Privacy Policies of Third Parties
This Privacy Policy only addresses the Services offered by us.
Other websites or services, such as those websites we provide links to websites or services you may have clicked-on that directed you to the Services, or websites that may be accessible to you through the Services, have their own privacy policies regarding data collection, use and disclosure practices. If you visit any such website, we encourage you to review that website or service’s privacy policy.
We are not responsible for the policies or practices of third parties.
Editing and Requesting Your Information
We will permit you to change your profile settings. Even after you remove your information from your profile, copies of your information may remain viewable elsewhere to the extent it has been shared with others or it was copied or stored by other users. We may also be required to retain your information by law or for legitimate business purposes, such as to prevent identity theft or other misconduct.
For inquiries regarding personal information collected or to correct factual inaccuracies in this information, please email us at: info@harpratequiz.com.
Storage and Security
We will retain personal information, including user location information, only as long as our business needs require. We will then destroy or render unreadable any such information upon disposal.
We believe the security of your information is a serious issue and we are committed to protecting the information we receive from you. We use commercially reasonable security measures to protect against the loss, misuse and alteration of your information under our control.
Depending on site requirements, we may employ Secure Sockets Layer (SSL) encryption technology to transmit data between a consumer’s browser and our web server. To use our platform, a consumer will need an SSL-capable browser such as MS Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 or higher.
We require that client network, affiliates, and/or vendors handle consumer information under secure confidential conditions.
Notwithstanding such security measures, please be aware that no security measures are perfect or 100% secure, and we cannot guarantee the security of any information transmitted to or from the Services.
Although we have agreements and vetting procedures in place for third parties, We are not responsible for the actions of any third parties that may receive any such information.
You should note that the security of your personal information also depends on you. Please do not communicate any information to us through unsecured channels, such as when you are in public areas. Where we have provided you or you have chosen a password, access code, or similar security feature, you must keep the password, access code or security feature confidential. Please do not share your password with anyone. If you believe your password or account has been compromised, please contact us immediately at info@harpratequiz.com.
Minors and Privacy Issues
Children’s Online Privacy Protection Act- This platform is intended to be used by people the age of 18 and older. We do not knowingly allow any users under the age of thirteen to use our service. However, if you become aware of the existence of a user who is under the age of thirteen, or that an individual under thirteen has provided their information to us, contact us immediately with details at info@harpratequiz.com If you have been reported as being below thirteen by another person, we may request that you verify your age to us, including providing us a copy of your photo ID as a condition of your continued use of our service.
- No part of the Platform is designed to attract anyone under the age of 18.
- Children under the age of 18 may not use the Platform.
- If you are a parent or guardian and believe that your child under the age of 13 has provided personal information to us, you may contact us to request this information be deleted.
Changes to Privacy Policy
We may change this Privacy Policy at any time. When we do, we will revise the updated date at the bottom of this page which will also be the effective date of such revisions. We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect.
You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically to learn of any revisions to this Privacy Policy.
Your continued use of the Platform after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Privacy Policy.
CALIFORNIA RESIDENTS- Your California Rights
The California Consumer Protection Act has granted specific rights and remedies. To review all California Privacy Rights and Remedies please click here
Contact Information
If you have any comments or questions regarding our Privacy Policy, or to report abuse of any personal information collected under this Privacy Policy.
Email: info@harpratequiz.com
Postal Address: 325 Chestnut Street, Philadelphia, PA, 19106
For more information about protecting your privacy, you may wish to visit: http://www.ftc.gov.
When inquiring about a loan on this site, this is not a loan application and we are not affiliated with your current mortgage servicer. We are not a lender. This site will connect you with businesses who may provide additional product information and/or assist you with eligibility requirements. This site may contain affiliate and partner links. This site is not affiliated with any news source or government organization and is not a government agency. This site is not affiliated with HUD, FHA, VA, FNMA or GNMA. Contents of this website are copyrighted property of the owner of this website. All trademarks, logos, and service marks (collectively the "Trademarks") displayed are registered and/or unregistered Trademarks of their respective owners. This website and the company that owns it is not responsible for any typographical or photographic errors.