Privacy Policy

LuxeRates, LLC
Effective Date: February 12, 2026

LuxeRates, LLC (“LuxeRates,” “we,” “us,” or “our”) operates the website https://luxerates.com. We are a mortgage brokerage that arranges loans through third-party lenders. This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website, contact us, submit a mortgage inquiry, or work with us on a loan.

Information We Collect
Website Visitors
  • IP address, browser type, device information, and usage data (automatically collected via cookies and similar technologies).
  • Any comments you leave (name, email, website, comment text, and IP address for spam detection).
  • Profile picture via Gravatar if you use it (see Gravatar’s privacy policy).
Mortgage Inquiries, Applications, and Client Communications

When you contact us by phone, text, email, or the contact form, or begin a mortgage process, we collect:

  • Contact information (name, email, phone number, mailing address).
  • Financial and loan-related information (income, assets, debts, employment, credit history, Social Security number, property details, etc.).
  • Any documents or information you upload or provide.

We may also obtain information from third parties, such as credit reporting agencies, to assist with your application.

How We Use Your Information
  • To respond to your inquiries and provide mortgage-related services.
  • To process and arrange your loan through our network of third-party lenders.
  • To communicate with you (including appointment reminders, document requests, and status updates via email, phone, or text).
  • To improve our website and services.
  • To comply with legal and regulatory obligations.
  • We may use your phone number to communicate with you via text message as described in the SMS / Text Message Communications section of this Privacy Policy.
How We Share Your Information

We share your information in the following ways:

  • With third-party lenders — to shop your loan, obtain quotes, and complete the mortgage process. This is necessary to provide the service you requested.
  • With service providers — who help us operate our business. These providers are contractually obligated to protect your data.
  • For legal reasons — when required by law, court order, or government request, or to protect our rights and safety.
  • With your consent — in any other situations where you explicitly agree.

We do not sell your personal information for marketing purposes.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Remember your preferences.
  • Analyze website traffic.
  • Improve user experience.

You can manage cookies through your browser settings. Our site may also include embedded content (videos, images, etc.) from other sites that set their own cookies — see the privacy policies of those sites.

SMS / Text Message Communications

By providing your phone number to LuxeRates, LLC, you expressly consent to receive text messages related to your mortgage inquiry, loan application, or ongoing loan servicing. These may include appointment coordination, document requests, status updates, and responses to your questions.
Message frequency varies. Message and data rates may apply. Consent to receive texts is not a condition of obtaining any loan or service.
To opt out: Reply STOP to any message. For help, reply HELP or contact us at the details below.
Mobile information will not be shared with third parties/affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Data Retention

We keep your information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Mortgage-related records are typically retained for the period required by federal and state regulations (often 3–7 years after loan closing or denial).Website comments and basic visitor data are retained indefinitely unless you request deletion (subject to legal exceptions).

Your Rights and Choices
  • Access / Correction / Deletion — You may request a copy of the personal information we hold about you, ask us to correct inaccuracies, or request deletion (subject to legal and regulatory retention requirements).
  • Opt-out of marketing — You may opt out of non-transactional communications at any time.
  • GLBA / FCRA Rights — Mortgage-related information is governed by the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. See the separate Consumer Privacy Notice we provide to clients for additional rights regarding sharing with non-affiliates.

California residents: Personal information collected in connection with a mortgage inquiry or loan is generally exempt from the California Consumer Privacy Act (CCPA) because it is governed by the GLBA. For non-mortgage website data, you may exercise CCPA rights by contacting us.

Security

We use reasonable administrative, technical, and physical safeguards to protect your information. However, no system is completely secure, and we cannot guarantee absolute security.

Children’s Privacy

Our website and services are not directed to children under 13. We do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this policy from time to time. The “Effective Date” at the top will be revised. We encourage you to review it periodically.

Contact Us

LuxeRates, LLC
100 S Main St, Suite 202
Sayville, NY 11782

Phone / Text: (516) 234-0289 or (877) 409-LUXE (5893)
Email: [email protected]

You can also reach us via the contact form on our website.