Privacy Policy

1. Who we are

Just Auto Rates is not a bank, credit union, lender, or loan broker. We do not make loans, process applications, or guarantee rates. Questions about this policy: legal@justautorates.com.

2. Information we collect

We only collect what you choose to send us, plus limited, non-identifying usage counts:

• Newsletter sign-up: your email address, and the state you pick if any.
• Submit a rate / report a correction: the lender name, loan type, term, APR, loan amount, state, notes, and source link you enter, plus your email address only if you choose to give it. Submissions go to a review queue and are not published automatically; we never publish your email.
• Sponsor inquiries: your name, work email, organization, the placement and state you’re interested in, and your message.
• Usage counts: we count page views per page per day, outbound clicks to lender and sponsor sites (the destination, the rate clicked, and the page you came from), and searches or filters that returned no results. These records do not include your name, email, or IP address.
• Server logs: our hosting provider, Cloudflare, processes standard request data (such as IP address, browser type, and the page requested) to deliver and secure the site, and keeps short-lived operational logs.

We do not collect Social Security numbers, credit information, income, or bank details, and we never ask for logins or payment card numbers on our site.

3. Cookies and similar technologies

We don’t use advertising or third-party analytics cookies, tracking pixels, or cross-site trackers. The site sets one cookie, jar_sponsor, only if you close the sponsor message bar, so it stays closed for 7 days. If you pick rates to compare, your picks are kept in your browser’s session storage and cleared when you close the tab.

4. How we use information

• To send the newsletter you asked for, and to let you unsubscribe at any time.
• To review submitted rates and corrections, and to contact you about a submission if you gave us your email.
• To reply to sponsor inquiries and manage paid placements.
• To understand which pages and rates are useful, fix broken links, and keep the site secure.

5. Service providers

We share information only with providers that help us run the site, under their own privacy and security terms:

• Cloudflare hosts the site and stores our database.
• Resend stores newsletter subscribers and delivers our emails, including sponsor-inquiry notifications to us.
• Stripe processes sponsor payments. Card details go directly to Stripe; we never see or store full card numbers.

We may also disclose information if required by law or to protect the site and its users.

6. We do not sell or share personal information

We do not sell your personal information, and we do not share it for cross-context behavioral advertising. We honor Global Privacy Control (GPC) signals as a request to opt out of any sale or sharing; because we don’t sell or share, nothing more is needed on your part. See Your Privacy Choices.

7. Lender and sponsor links

When you click “Visit lender” or a sponsored link, you leave JustAutoRates.com. The lender’s or sponsor’s own privacy policy applies to anything you do there, including any application.

8. Retention

We keep newsletter emails until you unsubscribe, submissions and inquiries for as long as needed to review and answer them and keep reasonable records, and usage counts in aggregate. You can ask us to delete your information at any time.

9. Your rights

Depending on where you live (for example California, Colorado, Connecticut, Virginia, or other states with privacy laws), you may have the right to know, access, correct, or delete your personal information, and to opt out of sale or sharing. Email legal@justautorates.com and we’ll respond within the time the law requires. We won’t treat you differently for exercising these rights. You can unsubscribe from the newsletter with the link in any email or at /unsubscribe.

10. Children

The site is meant for adults shopping for auto loans and is not directed to children under 13. We don’t knowingly collect their information.

11. Security

We use HTTPS everywhere, limit who can access our data, and rely on reputable providers. No system is perfectly secure, so please don’t send sensitive financial information through our forms.

12. Changes and contact

We’ll update the effective date above when this policy changes. Questions or requests: legal@justautorates.com.