Privacy policy

Effective date: August 4, 2026

Last updated: August 4, 2026

Welcome to Rate Travel, LLC. We are committed to protecting the privacy and confidentiality of our clients’ personal information. We operate as a luxury travel service provider, and thisOnline and Mobile Application Privacy Notice describes the Privacy practices of Rate Travel, LLC.

We are part of the Guaranteed Rate, Inc., affiliated companies which include Rate, Guaranteed Rate Affinity, Rate Insurance,Citywide Home Mortgage, LLC, Certainty Home Loans, LLC, KBHS Home Loans, LLC, On Q Home Loans, Owning, OriginPoint, LLC, Premia Relocation Mortgage, Rate Outdoors LLC, Tasso Design, LLC, RateFit, LLC, Fitbux, Inc., Fitbux RIA, LLC, Rate Travel LLC, Rate Supplements, LLC, Rate Homes, LLC, Advocus National Title Insurance Company, and Advocus Title Agency, LLC whose websites and mobile apps may link to this Privacy Notice. Rate Travel, LLC and the Rate affiliated Companies ( “Company”, “we”, “us”, or “our”) are committed to respecting your privacy and protecting your personal information no matter how you engage with us. We may interact with you in a variety of ways online or by mobile device.

Below, we explain how we collect, why we collect, how we disclose, use, share and protect your personal information when you visit our websites, download our mobile applications (“apps”), use our websites and apps to engage with us or purchase our travel services. It also explains information about the choices that you can make regarding your information. By using our Online Services, you agree to the collection, use, and disclosure of information in accordance with this Online and Mobile Privacy Notice.

PLEASE CAREFULLY READ THIS STATEMENT BEFORE USING THIS SITE, AS IT AFFECTS YOUR LEGAL RIGHTS AND OBLIGATIONS. CONTINUING TO NAVIGATE THIS SITE CONSTITUTES YOUR AGREEMENT TO THE TERMS OF THIS STATEMENT.

1. Information We Collect

We collect personal information you provide to us directly, including:

Identity & Contact Data: Name, date of birth, passport details, phone number, email, address.
Financial Data: Credit card or banking information processed via secure payment gateways.
Travel Details: Preferences, dietary restrictions, special assistance needs, and passenger details.

2. How We Use Your Information

We use your data to:

Book flights, hotels, and tours.
Process payments.
Communicate booking confirmations and travel updates.
Provide tailored travel recommendations.

3. Sharing Your Information

We share your information with trusted partners necessary to fulfill your travel arrangements, such as airlines, hotels, and travel suppliers. We may also share data to comply with legal obligations, such as law enforcement subpoenas or local travel regulations. We do not sell your personal data.

We may disclose or share your data for the following purposes:

• Service Providers and Contractors — entities that perform services on our behalf (e.g., hosting, analytics, identity verification, fraud prevention, document preparation, customer support, marketing execution, and AI virtual assistant vendors), under contracts restricting their use of your information.

• Our Affiliates. We would like to share your personal information with one or more of Our Affiliates in order to make you aware of different products and services they can provide which may be of interest to you. Our Affiliates include Rate, Guaranteed Rate Affinity, Rate Insurance, Citywide Home Mortgage, LLC, Certainty Home Lending, LLC, On Q Home Loans, Owning, OriginPoint, LLC, KBHS Home Loans,LLC, Premia Relocation Mortgage, Rate Outdoors LLC, Tasso Design, LLC, RateFit, LLC, Fitbux, Inc., Fitbux RIA, LLC, Rate Supplements, LLC, Rate Homes, LLC, Advocus National Title Insurance Company, and Advocus Title Agency, LLC. You can request that we not share your personal information with our Affiliates to market their products.

•.Legal Purposes: Sharing for “Legal Purposes,” means we may disclose your information (i) if we are required or permitted to do so by law or legal process, (ii) to law enforcement authorities, or (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity.

• Corporate Transactions : We also reserve the right to disclose and transfer your information if our Company goes through a business transition, such as a merger, acquisition by another company, sale of all or a portion of its assets, or other corporate change, including during the course of any due diligence process.

• With Your Consent or at Your Direction — including joint marketing partners and promotional program partners.

We do not sell personal information for monetary consideration, and we do not knowingly collect, use, disclose, sell, or share the personal information of any person under 18 years of age. You can request that we not share your personal information with our Affiliates to market their products.

4. Your Privacy Rights

Depending on your state of residence you may have rights to access, delete, or correct your personal data.

5. How Do We Collect Personal Information?

We will only collect personal information in compliance with your local data protection laws. We usually collect your personal information directly from you during the course of your relationship with us. We will collect this information directly from you unless it is unreasonable or impracticable to do so.

Generally, this collection will occur:

when you deal with us either in person, by telephone, letter, email or AI chatbot;
when you visit any of our websites;
when you use any of our apps; or
when you connect with us via social media.

We may collect personal information about you:

when you purchase or make enquiries about travel arrangements or other travel-related products and services;
when you enter competitions or register for promotions;
when you subscribe to receive marketing from us (e.g., e-newsletters);
when you request brochures or other information from us; or
when you provide information, or use our services, on social media.

Unless you choose to do so using a pseudonym or anonymously, we may also collect your personal information (other than sensitive information) when you complete surveys or provide us with feedback.

In some circumstances, it may be necessary for us to collect personal information about you from a third party. This includes where a person makes a travel booking on your behalf which includes travel arrangements to be used by you (e.g., a family or group booking or a travel booking made for you by your employer). Where this occurs, we will rely on the authority of the person making the travel booking to act on behalf of any other traveller on the booking.

Where you make a travel booking on behalf of another person(s) (e.g., a family or group booking or a travel booking made for an employee), you agree to have obtained the voluntary and informed consent of the other person(s) for Flight Centre to collect, use and disclose the other person’s personal information in accordance with this Notice and that you have otherwise made the other person(s) aware of this Notice.

You should let us know immediately if you become aware that your personal information has been provided to us by another person without your voluntary consent or if you did not obtain voluntary consent before providing another person’s personal information to us.

We make every effort to maintain the accuracy and completeness of your personal information which we store and to ensure all your personal information is up to date. However, you can assist us with this considerably by promptly contacting us if there are changes to your personal information or if you become aware that we have inaccurate personal information relating to you. We will not be responsible for any losses arising from any inaccurate, inauthentic, deficient or incomplete personal information that you, or a person acting on your behalf, provide to us.

Where the provision of services or other business processes is dependent upon you voluntarily consenting to the collection and subsequent processing of your personal data, if you choose not to provide your voluntary consent this may prevent us from providing specific services that rely upon the collection of personal data, or otherwise impact the quality of the services, we can provide you.

Similarly, if you request that we restrict or stop using personal information we hold on you or withdraw a voluntary consent you have previously given to the processing of such personal information, this may affect our ability to provide services to you or negatively impact the services we can provide to you. For example, most travel bookings must be made under the traveller’s full name and must include contact details and appropriate identification (e.g., passport details). We cannot make bookings for you without that information.

Any voluntary consent you provide for the collection, use and disclosure of your personal data will remain valid until such time as you withdraw your consent in writing. You may withdraw consent and request us to stop collecting, using and/or disclosing your personal data by submitting your request in writing using either the links provided in section 15, or by emailing/writing-to our Privacy teams via the contact details provided in section 15. Please note that withdrawing consent does not affect our right to continue to collect, use and disclose personal data where such collection, use and disclosure without consent is permitted or required under applicable laws.

For the retention of personal data, we may retain your personal data for as long as it is necessary to fulfil the purposes for which they were collected, or as required or permitted by applicable laws. We will cease to retain your personal data, or remove the means by which the data can be associated with you, as soon as it is reasonable to assume that such retention no longer serves the purposes for which the personal data were collected, and are no longer necessary for legal or business purposes.

6. Is Personal Information Disclosed To Third Parties?

We do not and will not sell your personal information. We will only disclose your personal information to third parties in the ways set out in this Notice and, in particular, as set out below, and in accordance with your local data protection laws. Note that, in this Notice, where we say “disclose”, this includes to transfer, share (including verbally and in writing), send, or otherwise make available or accessible your personal information to another person or entity. Your personal information may be disclosed to the following types of third parties:

our independent contractors, suppliers and service providers, including without limitation:
- in each of the circumstances set out in about in our “How do we use your personal information?” above;
- suppliers of IT based solutions that assist us in providing products and services to you (such as any external data hosting providers we may use);
- publishers, printers and distributors of marketing material;
- event organizers;
- marketing, market research, research and analysis and communications agencies;
- mailing houses, freight services, courier services; and
- external business advisers (such as lawyers, accountants, auditors and recruitment consultants);
our related entities and brands;
travel-related service providers such as travel wholesalers, tour operators, airlines, hotels, car rental companies, transfer handlers, travel risk management companies, travel insurance companies, and other related service providers;
any third party to whom we assign or novate any of our rights or obligations;
financial institutions such as banks, when processing financial transactions;
credit providers, issuers and payment service providers;
a person making your travel booking on your behalf, where you are travelling on a booking made on your behalf by another person (for example, a family member, friend or work colleague);
your employer, where you are an employee of one of our corporate, business or government clients and you are participating in an event or travelling for work purposes;
third parties who provide services to our business travel clients, in order to facilitate the delivery of those services;
a person who can verify to us that they have a relationship with you (e.g., a family member) where you are not contactable, the person correctly answers our required security questions and the request is, in our opinion, in your interest (for example, where the person is concerned for your welfare or needs to undertake action on your behalf due to unforeseen circumstances);
as required or authorized by applicable law, and to comply with our legal obligations;
customs and immigration to comply with our legal obligations and any applicable customs/immigration requirements relating to your travel;
government agencies and public authorities to comply with a valid and authorized request, including a court order or other valid legal process;
various regulatory bodies and law enforcement officials and agencies, including to protect against fraud and for related security purposes;
enforcement agencies where we suspect that unlawful activity has been or may be engaged in and the personal information is a necessary part of our investigation or reporting of the matter; and,
third-party services or applications when you use these to log into your account (e.g., if you use a third-party service or application (e.g., Facebook, Google) to log into your account, we share certain personal information with that third party).

When you engage us to book flights on your behalf, we will provide your personal information (i.e., name, email address and/or mobile number) to the relevant airline. This enables airlines to advise passengers of irregular flight operations and disruptions (e.g., flight cancellations, schedule changes) directly. Similarly, when booking train travel we will provide your personal information to the relevant rail provider where required.

Other than the above, we will not disclose your personal information without your voluntary consent unless we reasonably believe that disclosure is necessary to lessen or prevent a threat to life, health or safety of an individual or to public health or safety or for certain action to be undertaken by an enforcement body (e.g., prevention, detection, investigation, prosecution or punishment of criminal offences), or where such disclosure is authorized or required by law (including applicable privacy / data protection laws).

On our websites, you may choose to use certain features that can be accessed through, or for which we partner with, other entities that are not otherwise affiliated with us. These features, which include social networking and geo-location tools, are operated by third parties, including social networks, and are clearly identified as such. These third parties may use or share personal information in accordance with their own privacy policies. We strongly suggest you review the third parties’ privacy policies if you use the relevant features.

7. Cookies and Tracking

Our website uses cookies to improve user experience, track affiliate commissions, and analyze website behavior. You can manage cookie settings in your browser.

Global Privacy Controls: If you have enabled a legally recognized browser-based opt-out preference signal (such as Global Privacy Control) on your browser, we recognize such preference in accordance and to the extent required by applicable law. You will need to turn this on for each browser you use. To learn more about the Global Privacy Control, visit the Global Privacy Control website.

8. Data Security and Retention

We implement industry-standard security measures (encryption) to protect your personal data, though no transmission over the internet is secure. We retain your personal data only as long as necessary to provide services or comply with legal obligations.

9. Your Rights

Depending on your location, you have the right to:

Access, correct, or delete your personal data.
Withdraw consent for data processing.
Request to restrict or object to certain processing.

10. International Data Transfers

Your data may be transferred to and maintained on computers located outside of your state or country where data protection laws may differ for purposes of accommodating your travel requests and reservations.

11. Arbitration Agreement

Agreement to Arbitrate: This agreement to arbitrate is referred to herein and as the “Arbitration Agreement.” You agree that any and all disputes, claims or controversies arising out of or relating to this Arbitration Agreement or the relationship between me, on the one hand, and Rate Travel or affiliates (collectively “COMPANY”), on the other hand, whether based in contract, tort, statute (including the Telephone Consumer Protection Act and similar federal and state laws and regulations), fraud, misrepresentation or any other legal theory – including, but not limited to, claims relating to my account, Rate Travel services and communications from or on behalf of Rate Travel (“Disputes”) – shall be submitted to American Arbitration Association (“AAA”), or its successor, for confidential, final and binding arbitration to be resolved by a single arbitrator in accordance with the terms of this Arbitration Agreement. You further agree that the arbitration will take place on an individual basis, and that by entering this Arbitration Agreement, you and the Company agree to waive any right to a trial by jury and to participate in any class action. For avoidance of doubt, you agree to give up the ability to bring a lawsuit in court (except small claims discussed below); and you are giving up the ability bring or participate in a class action in any form or forum, even if your Dispute is determined not to be subject toarbitration. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.

Prohibition of Class and Representative Actions and Non-Individualized Relief: YOU AND COMPANY AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND COMPANY AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION. THIS ARBITRATION AGREEMENT DOES NOT PRECLUDE YOU FROM BRINGING ISSUES TO THE ATTENTION OF FEDERAL, STATE, OR LOCAL AGENCIES, AND SUCH AGENCIES CAN, IF THE LAW ALLOWS, SEEK RELIEF AGAINST COMPANY ON YOUR BEHALF.

Arbitration Procedures: Arbitration will be conducted under AAA Streamlined Rules and comply with the AAA Consumer Minimum Standards. The arbitrator shall have exclusive authority to resolve disputes relating to the terms of this Agreement.

Governing Law: The formation, existence, construction, performance, and validity of this agreement shall be governed by the laws of the State of Illinois and the United States, without reference to choose or conflict of law principles.

12. Contact Us

For questions about this policy or to exercise your rights, please contact us:

Email: inquiries@ratetravelclub.com
Mailing: Rate Travel, LLC, 3940 N. Ravenswood Ave, Chicago, IL 60613.

U.S. STATE PRIVACY INFORMATION

We make personal data rights available to you. These rights may include:

Access. The right to ask us to confirm whether or not we process personal data and to access such personal data. We provide access to such personal data by providing you with a copy of such personal data.
Copy. The right to obtain a copy of the consumer’s personal data that the consumer previously provided to the controller.
Correction. The right to have inaccuracies in the consumer’s personal data corrected.
Deletion. The right to request the deletion of the consumer’s personal data. Some personal data to be retained, notwithstanding a consumer’s deletion request, in accordance with law.
The right to opt out of the sale or sharing of your personal information, targeted advertising, or certain types of profiling.
Appeal. The right to appeal our decision with respect to a request to exercise a right.

Opt-out of processing for targeted advertising purposes. You can opt-out of certain processing of your Personal Data for targeted advertising purposes. Like many companies, we work with third party advertising services that collect device data and online activity data from individuals who visit our website to deliver targeted ads to them on other sites and online services. We describe these activities in more detail in the section titled How we use tracking technology. We may also provide these companies with customer lists that they use to deliver targeted ads to them or to similar users on their platforms.
Opt-out of other sales of Personal Data. You can opt-out of “sales” of your Personal Data as defined by state law.

How to Exercise Your Rights

Submitting requests. You may request to exercise your right to information/know, access, correction or deletion via email at : inquiries@ratetravelclub.com. The rights described above are not absolute, and are subject to limitations and exemptions. In certain cases, we may decline your request as permitted by law or where the laws in your state do not afford you these rights. We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it.
Verification. We may need to verify your identity to process your information/know, access, correction and deletion requests, and we reserve the right to confirm your state of residency.
Authorized Agents. Your authorized agent may request to exercise your rights on your behalf upon our receipt of your signed permission demonstrating that you have authorized your agent to act on your behalf and/or such other information as we may be permitted to request by law to verify that the request is authorized. For requests to exercise your right to information/know, access, correction or deletion, this additional information may include a copy of a valid power of attorney given to your authorized agent pursuant to applicable state law, or if your agent does not have one, your direct verification of your identity with us or your direct confirmation with us that you granted your agent the relevant authority.

When you submit a request to exercise your rights at inquiries@ratetravelclub.com, please be aware that we may need to verify your identity before processing your request.

If you are located in a state below, additional information about our uses of personal information and your rights under the laws of your state are described herein. The process to exercise your rights is the same as described in the “How to Exercise Your Rights” section above.

California Privacy Notice And Rights

For residents of California, this California Consumer Privacy Act (“CCPA”) Privacy Notice sets out how we process personal information in compliance with California law.

Notice at Collection for California Residents. This section describes our practices currently and during the past 12 months with respect to the Personal Data of California residents.

If you are a resident of California, we will not share personal information we collect about you unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits to which you are entitled. We also limit sharing among our Affiliates to the extent required by California law. For example, we may share minimal California resident personal information with Affiliates who may be able to provide a complementary or related service to you and market those products or services to you. We may share information with our partners if we believe the disclosure is reasonably necessary to protect us, users of our Services, or the public from harm, fraud, or potentially prohibited or illegal activities.

Information practices. The following summarizes the categories of Personal Data we collect by reference to the statutory categories specified in the California Consumer Privacy Act (“CCPA”), the sources from which we collect it, and the categories of third parties to whom we may disclose it for a business purpose:
- identifiers, such as contact information, biographical information and data about others, from you, data providers and public sources, which we disclose to vendors, advertising partners, payment processors and data providers
- commercial information, such as profile data, payment and transactional data, marketing data and online activity data, from you, data providers, public sources and automatic collection, which we disclose to vendors, advertising partners and payment processors
- financial information, such as payment and transactional data and information about products you purchase, from you, data providers and public sources, which we disclose to vendors and payment processors
- online identifiers, such as profile data, device data and online activity data, from you, data providers, public sources and through automatic collection, which we disclose to vendors, advertising partners and payment processors
- internet and network information, such as marketing data, device data and online activity data, through automatic collection, which we disclose to vendors, advertising partners and payment processors
- geolocation data, such as the general location of your device, through automatic collection, which we disclose to vendors, advertising partners and payment processors
- protected classification characteristics, such as profile data and publicly available information, from you, data providers and public sources, which we disclose to vendors
- personal information described in California’s customer records law, including contact information, profile data, physical characteristics (e.g., shoe size) and credit or debit card numbers and other transaction data, from you, data providers and public sources, which we disclose to vendors, payment processors and data providers
- sensitive personal information, such as your username/password and payment card details and precise geolocation when you grant us access to it through your device.
- inferences about you that we may derive from any of the categories of Personal Data above, which we disclose to vendors and advertising partners

We describe the business/commercial purposes for which we collect Personal Data and cookies and other website tracking technologies and the categories of third parties to whom we disclose your Personal Data and the purposes for those disclosures.

California Consumer Privacy Act (CCPA), as it may be amended from time to time, provides you with certain rights. These include: (1) the right to request information from us regarding what categories of personal data we have collected about you; (2) the right to request a copy of the specific personal information collected about you during the last 12 months; (3) a limited right to have such information deleted (with exceptions); (4) the right to request that your personal information not be sold to third parties, if applicable; and (5) the right not to be discriminated against because you exercise your rights. California residents also have the right to request deletion of personal data that has been collected within the last 12 months. However, there are circumstances where the law may not permit or require removal in certain circumstances. To exercise these rights or to inquire about privacy protection at the Company, contact us via email at inquiries@ratetravelclub.com.

Sales/Sharing of Personal Data. We may use and disclose Personal Data for targeted advertising purposes as described above. The CCPA may classify these activities as the “sale” or “sharing” of Personal Data from which you have the right to opt-out. You may request to opt-out by clicking the “Do Not Sell My Info” link at the footer of our website or by emailing us at inquiries@ratetravelclub.com.

Children. While our Site is not directed to children under the age of 18, we are required to inform you that we have no actual knowledge that we “sell” or “share” the Personal Data of California residents under 16 years of age, as the CCPA defines those terms.
Sensitive personal information. We do not use or disclose sensitive personal information (as defined by the CCPA) for purposes that California residents have a right to limit under the CCPA.
Nondiscrimination. You are entitled to global exercise the rights described above free from discrimination as prohibited by the CCPA.
Deidentified data. We do not to attempt to reidentify deidentified information that we derive from Personal Data, except that we may do so for the purpose of testing whether our deidentification processes comply with applicable law.

COLORADO, CONNECTICUT, UTAH, VIRGINIA RESIDENTS

Colorado, Connecticut, Utah, and Virginia law require certain disclosures for companies that “sell” personal information pursuant to the respective state’s privacy law. Each state defines the “sale” of data differently. Colorado, Connecticut, Utah, and Virginia define the “sale” of data as a company exchanging personal information for monetary consideration with a non-affiliated third party.

Under Colorado, Connecticut, Utah, and Virginia law, we do not “sell” your personal information.

Virginia Residents

Virginia consumers have the right to opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects concerning them, but we do not engage in this profiling activity. You can ask to appeal any denial of your requests to exercise your privacy rights in the same manner through which you may submit a request under this privacy policy via email at inquiries@ratetravelclub.com and also physical mailing address at Rate Travel, LLC 3940 N. Ravenswood Ave, Chicago, IL 60613.

Vermont Residents

If you are a resident of Vermont, we will not share personal information we collect about you with non-affiliates unless the law allows or you provide authorization.

North Dakota Residents

If you are a resident of North Dakota, we will not share personal information we collect about you with non-affiliates unless the law allows or you provide authorization.

Nevada Residents

This section applies only to Nevada residents. Nevada residents may elect to opt-out of the sale of their Personal Information. To make a request, please contact us as described in the How to Contact Us section, below. Indicate in your email or letter that you are a Nevada resident.

Colorado Privacy Act (CPA)

This section applies only to Colorado residents. Colorado residents have the following rights to:

opt-out of the processing of personal data
have inaccuracies in their Personal Information be corrected
request deletion of their Personal Information held by us
obtain a portable copy of the data

Texas Data Privacy and Security Act (TDPSA)

This section applies only to Texas residents. Texas residents have the following rights to:

request no more than twice in a twelve month period.
opt-out of the processing of personal data
have inaccuracies in their Personal Information be corrected
request deletion of their Personal Information held by us
obtain a portable copy of the data
right to appeal a decision made by the company