Security And Privacy
Effective Date January 1, 2021
Our Security And Privacy
At Rocket Mortgage, our mission is to help clients achieve their financial and homeownership dreams.
We extend that dedication to everyone's privacy and data rights. That's why we strive to be transparent about how we collect and use your information.
When we collect information from you, we want you to know how it’s used and shared.
We demonstrate our commitment to fair information practices by adopting industry-leading privacy guidelines.
Rocket Mortgage doesn't share your info with outside companies for their promotional use without your consent.
Because of our business's financial nature, our products aren't designed to appeal to children under the age of 13. Therefore, we don't knowingly attempt to solicit or receive any info information from children.
By using any of our products or services, you consent to the use of your information. You also acknowledge that you’ve read the guidelines and other policies described. You also agree to the guidelines and the other Rocket Mortgage policies described throughout any of our applications, experiences or services.
Data Collection And Data Sharing
Data Categories And How We Use Them
See what data categories we collect.
|Identifiers.||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.||YES|
|Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).||A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.||YES|
|Protected classification characteristics under California or federal law.||Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).||YES|
|Commercial information.||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||YES|
|Biometric information.||Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.||NO, we do not collect biometric information on clients. However, we collect fingerprints on certain employees to comply with NMLS licensing requirements.|
|Internet or other similar network activity.||Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.||YES|
|Geolocation data.||Physical location or movements.||NO|
|Sensory data.||Audio, electronic, visual, thermal, olfactory, or similar information.||NO|
|Professional or employment-related information.||Current or past job history or performance evaluations.||YES|
|Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).||Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.||YES|
|Inferences drawn from other personal information.||Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.||YES|
Sources Of Collected Data
- Information collected through our websites
- Information you provided when getting a product or a service from us
- Information you provided when signing up for communications from us
- Information you provided when entering promotions or sweepstakes offered by Rocket Mortgage
- Information you provided through telephone or web-based surveys, online chat, customer service correspondence or general feedback
- Information you provided when applying for a position with us
- Information provided by third parties such as lead buy partners, data brokers and credit bureaus
- Information collected using web technologies
Ways We Might Use Your Data
- Marketing (unless you’ve opted out)
- Fraud detection
- Providing services
- Internal research
- Quality control
- Prepopulate info when applicable
Reasons We Might Share Your Data With Third Parties
- Business purposes
- Detecting fraud
- Providing services
- Internal research
- Quality control
With your consent and at your direction, we’ll share your personal data with third parties, including our mortgage partners, partner companies and affiliates for these reasons:
- Pre-populating your information to make your experience easier
To opt out of sharing your data, please contact us.
Your Data And Our Third Parties
Here’s who we’ve disclosed your data to for business purposes and at your direction.
|Service providers||Affiliates||Mortgage partners||Partner companies||Regulators|
|Personal info categories||x||x||x||x|
|Protected Classification Characteristics||x||x||x||x|
|Internet or other network activity||x||x|
|Non-public education information||x|
|Inferences drawn from other personal information||x||x||x||x|
Sale Of Data
We don’t sell your data.
Your Privacy Rights
Some states are passing new laws providing citizens data privacy rights, while other states have not acted.
However, Rocket Mortgage is proud to allow everyone, regardless of which state they reside in, to exercise their privacy rights.
If you'd like to access, know about or delete personal data we've collected about you, please contact us.
Right To Know
You have a right to know what personal data we’ve collected about you, what data we’ve sold, who we’ve sold your data to, and what data we’ve shared for business purposes.
Want to exercise this right? Start a request online or call us at (888) 444-7492.
Right To Access
You have the right to see what specific pieces of data we have about you, and to get this data in a portable and easily accessible format.
Want to exercise this right? Start a request online or call us at (888) 444-7492.
Right To Delete
You have the right to request that we delete your data. We’re legally required to keep some data about you, but we’ll delete everything we can. Keep in mind that we might reacquire some of your data if we purchase data from a third party.
Want to exercise this right? Start a request online or call us at (888) 444-7492.
How We Process Your Privacy Rights
First, we’ll verify your identity using your personal info. Then, we’ll process your request according to company guidelines. You can usually expect a response by email or mail within 45 days.
If you’re an authorized agent (for example, you have a power of attorney) making a request on behalf of someone else, please contact us.
Right To Non-Discrimination For The Exercise Of Your Privacy Rights
You won't be discriminated against for exercising your privacy rights.
Verifiable Client Requests
In 2020, we've been able to process 5,683,662 requests from people across all 50 states. This includes requests from people to know, access or delete their data or to opt out of data sharing.
Here's a breakdown of that number:
- 73 Right To Access requests
- 50 Right To Access requests
- 733 Right To Delete requests
- 5,682,361 Data Sharing Opt-Out requests
It's taken us a median of 3 days to process and respond to each request.
Device Co-Op Privacy Control
Rocket Mortgage participates in a device co-op to better understand how you use our website and apps across all the devices you use. This helps us deliver experiences that are tailored for you. You can learn more about this device co-op or opt out of participating in it.
Google Analytics And The Data You Share
We use a Google Analytics product called Firebase for our mobile apps.
Here's what Firebase helps us do:
- Quickly diagnose any issues you may encounter, like page time outs or form resubmission
- Send you content such as banners or error messages when needed
- Run split tests for different operating systems such as iOS or Android
Call (888) 444-7492
Write to this address:
Rocket Mortage, LLC
P.O. Box 44587
Detroit, MI 48244
Please include your phone number when contacting us by mail. Otherwise, we cannot fulfill your request.
Start a request by visiting https://www.rocketmortgage.com/privacy-rights/
Rocket Mortgage Media Advertising Guidelines
We want you to be confident when using our services. Which is why we want to share our governing principles for our information practices and other privacy aspects.
We don’t make our advertising decisions based on political affiliations or in support of/ against any political or religious group.
We believe in freedom of speech. However, we also have a duty to ensure that our advertising doesn’t appear in the any content detrimental to our brand values.
We always want to do the right thing when deciding where our ads appear.
Which is why we won’t advertise during programs that:
- Exploits excessive or gratuitous violence.
- Demeans or denigrates any religion, race, gender identity, sexual orientation, or is otherwise lacking in good taste.
If our advertising appears within programming content that violates these guidelines, we’ll review the content in question and make a decision about the appropriateness of the program.
Our data and information philosophies and practices
How we handle your information within our services
To provide a tailored experience, we may ask for personal information when you visit any of our services.
Here’s how we may collect and use it:
Credit Reporting Agencies And Your Identity
When applying for a mortgage, credit reporting agencies may share your info with us. Because of this, you could receive emails or phone calls you didn’t ask for. They could offer things like credit cards or other loan products.
To stop getting these calls or emails, you can opt out of any prescreened credit offers. Just call (888)567-8688 or visit www.optoutprescreen.com.
There are several ways for you to explore mortgage or personal loan options without providing personal info. Most of our calculators don’t require personal info and we don’t attribute info you’ve provided to you as an individual.
However, if you’re ready to move forward with an application, we do require some additional personal info and the creation of an account. This is to help keep your personal financial info secure.
When you create an account, you’ll provide an email address and choose a password. You’ll use your email address and password to check on the status of your application, pay your mortgage or view your financial profile.
We’ll use your contact info to provide alerts or updates about your loan status and send you communications for things like exclusive offers on other products or services offered by Rocket Mortgage.
If you’re not interested in receiving communications for exclusive offers, you can opt-out at any time. Just send us an email at email@example.com or update your communication preferences.
Credit Report: When you submit a loan application, you authorize us to share your credit report with our affiliates only to process your loan application.
Newsletters: We have email newsletters to help you stay up to date on all things Rocket Companies. You’re always welcome to unsubscribe by simply following the instructions located at the bottom of each email.
Interactive Help (Chat / PC to Phone): You can finish your loan application by using one of our interactive help features. We don’t ask for personally identifiable information using interactive help features, but if you volunteer personally identifiable information, we’ll only use it to respond to your request. We maintain transcripts of chat sessions.
More about our general information practices.
Contests, Sweepstakes, And Surveys: We may offer contests, sweepstakes, or surveys from time to time. If you'd like to participate, we'll ask you for contact information, preferences, or other information. We may use this information for research purposes, improve our offerings, or contact you regarding home financing or award prizes. Contests or sweepstakes may have different rules and could affect how we use the info you provide.
Mandatory And Optional Information: For us to accurately handle your request, we may require you to provide specific information. If you chose not to provide the information necessary, we might not finish processing your request.
When using our services, we could ask for you to provide the following:
- Your name
- Social Security Number
- The location of your property
- Your property's value
- Any related loan products or services you may have used in the past
- Financial info, like your assets or income
We typically use this information to help process your loan.
To process your loan, we’ll also need to obtain your credit report.
We'll collect information about your activity on any of the Rocket Mortgage properties. This info can be used to help improve your overall experience.
We may share your data with our sister companies. When we share this info with our sister companies, it's typically so we can exchange client info to process your request.
In some cases, we'll work with service providers like title companies, appraisers, consultants, temporary workers, third-party software developers to complete a business process or provide a service on our behalf.
Sometimes we'll work with service providers to complete business processes or provide services on our behalf. When we do, we may need to share your personally identifiable info. Our service providers are prohibited from using your info for purposes other than to act on our behalf.
Here are a few examples of what service providers we could work with:
- Title companies
- Temporary Workers
- Third-party software developers
Service Alerts And Critical Notices: We strive to honor your privacy preferences. However, we may need to contact you if something has changed that could affect your ability to use our services.
We may also need to contact you if we need to respond to a request.
An example of this could be to let you know that a subscription is expiring soon or to clarify the information you've provided.
Change Of Control: If a sale, merger, transfer, exchange, or other disposition of all or a portion of a business of Rocket Mortgage takes place, your personal information could be transferred as well.
You'll have the opportunity to opt-out of further secondary use of your information following any change of control.
Legal Disclosures: In some cases, we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.
We use industry‑recognized security safeguards to protect your data. We have also implemented specific security measures, which are reviewed regularly.
To protect your data, here are a few additional things we require all our team members to do:
- Our team members must take regular training and sign a written statement acknowledging their compliance with our security protocols.
- All team members must follow a strict password protocol.
- We require strict authentication and authorization for team members to use, view, or change certain information.
Here's how and why we use some standard web technologies to manage our websites:
A "cookie" is a small piece of information that our website provides to your browser while you're using our sites.
The Rocket Mortgage site uses web browser cookies that have unique identifiers. These unique identifiers provide Rocket Mortgage with data used to understand our users and their habits better. Which, in turn, can help improve your experience.
Through a tracking utility, we can, for example, reconstruct activity from a session or by a user for troubleshooting and issue resolution purposes.
Rocket Mortgage may also employ service providers to help us collect and understand our website usage data.
If you're a registered Rocket Mortgage user, you'll receive a cookie when you sign in. Your browser maintains these cookies and contains your identifier.
We use these cookies to authenticate your identity and provide you access to areas of our site that are limited to registered users.
The Rocket Mortgage site also sets a temporary cookie with a unique, anonymous identifier provided to the service provider to ensure that each referral is only counted once. These cookies aren't linked to a customer's personal information. The cookies and web beacons are necessary to ensure that affiliate program members are appropriately credited for their referrals. Service providers report data in the aggregate and do not link it to individual customer information.
Rocket Mortgage may also work with service providers who assign cookies or web beacons to your browser. These cookies could assist us in collecting website usage data such as your IP address, session ID, URL, and demographic information such as your zip code. The data collection may include personally identifiable information. We don't track URLs you type into your browser, nor do we track you across the Internet once you leave our site.
If you want to browse, you don't have to accept cookies from our site. However, suppose you decide that you'd like to register and sign in to the website's authenticated areas. In that case, you'll have to modify your browser settings not to accept cookies. You will need to reset your browser to get the cookies that we send. Otherwise, you won't be able to participate in certain areas of the website. Most browsers are defaulted to accept and maintain cookies.
You should know that we use third-party advertising companies to collect non-personally identifiable information. We collect this data for online behavioral advertising to provide targeted display advertisements, likely to be of greater interest to you, through participating publishers and advertisers. Examples of this information may include nonpersonally identifiable information (e.g., click stream information, browser type, time and date, subject of ads clicked or scrolled over) using cookies and other technology. Please click on the following link to learn more about online behavioral advertising or opt-out of this type of advertising: www.networkadvertising.org.
Website Usage Data
Our website tracks usage data, including, for example, your IP address, your browser type and version, which pages you view, which page, if any, linked you to our site, and which link, if any, you follow from our site.
We use this data at the aggregate and individual level to better understand site activity to improve our site offerings, reconstruct activity from a session or by a user for troubleshooting and issue resolution purposes. We may also use this data to provide you a more personalized website experience, assistance with technical support questions, and to send you exclusive offers, product and service updates, or other promotional materials that are relevant and tailored to your interests. If you do not want to receive these offers or promotions, indicate your contact preferences during the registration process, within any future communications, or by sending an email to optout@RocketMortgage.com.
Social Media And ThirdParty Website Security And Privacy Policies: Rocket Mortgage currently has a presence on social media to connect with and market to the public, Rocket Mortgage customers, and potential customers of the Rocket Mortgage family. Your activity on thirdparty websites is governed by the security and privacy policies of each thirdparty website. Users of thirdparty websites often share information with the general public, user community, and/or the thirdparty operating the thirdparty website, which may use this information in various ways. Consequently, you should review the privacy policies of the thirdparty website before using it and ensure that you understand how this information may be used. You may be able to adjust privacy settings on your accounts on any thirdparty website or application to match your preferences. The information posted on or directed at Rocket Mortgage through social media is generally available to the public. Don't include information you want to keep private or any other sensitive personal information in your social media activity, comments, or responses to protect your privacy. This information may be archived independently, and retention of such information is governed by the thirdparty website.
Browser "Do Not Track" And Other Settings: You may be using an Internet browser that can communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Currently, the Rocket Mortgage websites do not respond to any of these signals. Rocket Mortgage may track your activity on these websites and use that information as provided in this policy.
We allow you to control the use of your personal information for purposes other than to fulfill your request or as is required to process, close and subsequently service your loan. For example, we may use your contact information to send you promotional communications about Rocket Mortgage products.
If you don't want to receive these communications, you may specify your contact preferences during the information collection process, or you may call tollfree at (888) 5652488 or send an Email to optout@RocketMortgage.com or by clicking here.
Update or correct your personally identifiable information
We provide you the opportunity to update or correct the contact and loan application information that you have provided to us. You may review and update information stored in your application online until you submit your application. Once you have submitted your application, you may only change the information by directly contacting our mortgage hotline at (888) 565-2488 or emailing us at changeinfo@RocketMortgage.com.
Rocket Mortgage recommends that you do not use email communications to send us sensitive personal information. If you need to change that personal information, we recommend that you call us directly.