Privacy Policy

Last updated: February 7, 2026

RateParity is built on the principle of minimal data collection. We do not sell, rent, or share your personal data with third parties. This privacy policy explains what information we collect, how we use it, and your rights.

1. Introduction

RateParity (“we,” “our,” or “us”) operates the RateParity website and calculator. This Privacy Policy explains our practices regarding data collection and your privacy rights.

Contact us: rateparity@berta.one

2. Information We Collect

Browser Storage (Scenarios)

Your calculator scenarios and preferences are stored locally in your browser using localStorage. We do not collect this data on our servers. This data remains on your device until you clear your browser cache or local storage.

Analytics Data

We use Google Analytics to understand aggregate usage patterns (pages viewed, time spent, device type). Google Analytics does not collect personally identifiable information. You can opt-out of Google Analytics tracking in your browser settings.

Email Addresses

We only collect email addresses when you:

Join our waitlist
Sign up for a Pro subscription
Contact us via email
Voluntarily submit feedback

Payment Data

We use Stripe for payment processing. RateParity does not store credit card information. Stripe securely processes all payment data according to PCI DSS standards. See Stripe's privacy policy for details.

Cookies

We use:

Essential cookies: For authentication and core site preferences
Analytics cookies: For Google Analytics tracking (requires your consent via CookieBanner)

We do not use tracking cookies or third-party advertising cookies.

3. How We Use Information

Provide Service: To operate the calculator and store your preferences
Process Payments: To handle Pro subscriptions via Stripe
Send Updates: To notify you about product changes or Pro subscription issues (only if you opt-in)
Improve Product: To analyze usage patterns and improve RateParity
Legal Compliance: To respond to legal requests or enforce our terms

4. Data Storage & Security

Local-First: Your calculator scenarios stay on your device
Minimal Server Storage: Only email addresses and Pro subscription info are stored on our servers
Encryption: All data in transit uses HTTPS encryption
Access: Only authorized RateParity personnel can access server data

5. Third-Party Services

Google Analytics

We use Google Analytics for anonymous usage tracking. Google does not identify users. Google Privacy Policy

Stripe

Payment processing and Pro subscription billing. Stripe Privacy Policy

NextAuth (if used)

Authentication provider for Pro account management. NextAuth Documentation

6. Your Rights

If you are in the EU, you have the following rights under GDPR:

Right to Access: Request a copy of your personal data
Right to Deletion: Request that we delete your data (“right to be forgotten”)
Right to Portability: Request your data in a portable format
Right to Object: Object to certain data processing
Right to Rectification: Correct inaccurate data

To exercise these rights, email rateparity@berta.one with your request.

7. Cookies

We use cookies to:

Essential: Maintain authentication and core site preferences
Analytics: Track anonymous usage via Google Analytics (you can opt-out)

You can control cookies in your browser settings. Blocking essential cookies may prevent RateParity from working properly.

8. Children's Privacy

RateParity is not intended for users under 18. We do not knowingly collect data from children. If we learn we have collected data from a child, we will delete it immediately.

9. Changes to This Policy

We may update this policy occasionally. We will notify you of material changes by email or by posting a notice on our website. Your continued use of RateParity after changes constitutes your acceptance of the updated policy.

10. Contact Us

Questions about this privacy policy? Contact us at:

Email: rateparity@berta.one

This privacy policy is effective as of February 7, 2026. We are committed to protecting your privacy and complying with GDPR, CCPA, and other privacy regulations.