Privacy Policy

This Privacy Policy explains how CDRatesHub.com ("CDRatesHub," "we," "us," or "our") collects, uses, and shares information when you visit our website or submit information through our forms. CDRatesHub is an informational comparison and marketing website. CDRatesHub is not a bank, lender, or financial advisor.

Information we collect

We may collect the following categories of information:

• Information you provide. First name, last name, email address, phone number, country code, and postal/ZIP code submitted through our forms, plus any messages you send us.
• Verification information. A short-lived 4-digit code sent by SMS to your phone number, used solely to confirm you control the number you provided.
• Device and usage information. IP address, approximate location (such as city, region, postal code, and timezone derived from your IP), browser type, device identifiers, pages viewed, and timestamps.
• Marketing and attribution data. Referring URL, landing page, UTM parameters (such as utm_source, utm_medium, utm_campaign, utm_term, utm_content), and click identifiers from advertising platforms (such as gclid and fbclid).

How we use your information

• To operate and improve the website and our forms.
• To verify your phone number by SMS.
• To match you with CD options or with participating providers and service partners that may present options that may be relevant to you.
• To respond to your inquiries and provide customer support.
• To measure and optimize our marketing campaigns, including ad attribution and conversion measurement.
• To comply with legal obligations and enforce our Terms.

SMS / phone verification

When you submit your phone number, you consent to receive an SMS verification code from CDRatesHub. Standard message and data rates may apply. Reply STOP to opt out of further messages from us. Reply HELP for assistance. By providing your number and consenting at the form, you may also be contacted by CDRatesHub or participating providers about CD options, including via autodialed calls, prerecorded messages, or SMS. Your consent is not a condition of any purchase.

Cookies and analytics

We and our service providers use cookies, pixels, local storage, and similar technologies to operate the site, remember preferences, measure performance, and support advertising attribution. You can control cookies through your browser settings. Disabling cookies may affect the functionality of the site.

UTM and ad attribution

We capture and store the marketing parameters in the URL when you arrive at our site, along with any advertising click identifiers (such as Google Ads gclid or Meta fbclid). This helps us understand which campaigns drive submissions and report conversions to advertising platforms.

How we share information

• Participating providers and partners who may present CD options that may be relevant to your submission.
• Service providers that help us operate the site, deliver SMS, enrich IP/geolocation, host data, and run analytics.
• Legal & safety. When required by law, in response to valid legal process, or to protect our rights, users, or the public.
• Business transfers. In connection with a merger, acquisition, or sale of assets.

Your choices and rights

Depending on your state or country of residence, you may have rights to access, correct, delete, or restrict use of your personal information, or to opt out of certain sharing. To exercise a right or ask a question, contact us at privacy@cdrateshub.com.

Data retention

We retain personal information for as long as needed for the purposes described above and to comply with our legal obligations.

Children

Our website is intended for adults 18 and older. We do not knowingly collect information from children.

Changes to this policy

We may update this policy from time to time. The "Last updated" date at the top reflects the most recent changes.

Contact

Questions about this policy? Email privacy@cdrateshub.com.