Privacy Policy for Refinance Rate Review

Last Updated: 2025-06-12

SECTION 1: DATA COLLECTION

We collect several types of data to ensure the best experience on Refinance Rate Review (qccaaf.com).

  • Types:
    • Device info: This includes details like your device model, operating system, and browser type.
    • Cookies: Small text files stored on your device to track usage patterns.
    • Engagement metrics: Such as the pages you visit, time spent on the site, and actions you take.
    • Optional newsletter sign – up information, which may include your email address.
  • Purpose:
    • Content improvement: To understand what parts of our content are popular and what needs improvement.
    • Ad relevance: To show you ads that are more likely to interest you.
    • Competition fairness: When applicable, to manage competitions fairly.

SECTION 2: THIRD – PARTY PARTNERS

We work with several third – party services to enhance your experience on our site.

  • Required:
    • Google services (AdSense/Analytics): Google AdSense helps us show ads on our site, and Google Analytics provides us with insights about how users interact with our site. We participate in Google AdSense and utilize cookie – based advertising. Third – party vendors including Google use cookies to serve ads based on user visits to qccaaf.com and other sites.
  • Optional:
    • STEM competition platforms: When we host STEM – related competitions, we may use third – party platforms to manage the process.

SECTION 3: USER RIGHTS

You have certain rights regarding the data we collect about you.

  • Opt – out:
    • Ad personalization: You can opt – out of ad personalization. To do this, visit Google’s Ad Settings at [Google Ad Settings URL].
  • Data requests: If you want to access, correct, or delete your data, or have other data – related requests, please contact us at [email protected].

SECTION 4: SPECIAL PROVISIONS

  • Biotech/AI content disclaimer: Our site may feature content related to biotech, quantum computing, and AI. The information provided is for general educational and informational purposes. We do not guarantee the accuracy or completeness of this content, and it should not be used as a substitute for professional advice.
  • Youth education data safeguards: We do not target our services to users under 13 (in accordance with COPPA). We take extra care when dealing with data related to STEM youth education to ensure its protection.

SECTION 5: COMPLIANCE NOTES

  • GDPR: EU residents may request data portability. If you are an EU resident and want your data in a portable format, contact us at [email protected].
  • CCPA: California consumers have the right to request the deletion of their personal information. To exercise this right, please contact us at [email protected].
  • AdSense: Personalized ads require cookie consent. When you visit our site, you will be asked to consent to the use of cookies for ad personalization.

SECTION 6: DATA RETENTION PRACTICES

We retain your data for as long as necessary to fulfill the purposes for which it was collected, or as required by law. For example, we may keep some data for a certain period to comply with tax or accounting regulations.

SECTION 7: COOKIE MANAGEMENT

We use cookies to improve your experience on our site. You can manage your cookie preferences. See Cookie Policy for more information on how to control the cookies used on our site.

STEM PRIVACY AND AI DATA ETHICS

We understand the importance of STEM privacy and AI data ethics. We are committed to protecting your data, especially when it comes to sensitive content related to these fields. Regularly check this privacy policy as it may be updated to reflect changes in laws, regulations, or our data collection practices.