Privacy Policy

Who we are and what this covers

Rev Edge AI LLC ("Rev Edge AI," "we," "us," or "our") is an Illinois limited liability company located at 205 N Michigan Avenue, STE 810A, Chicago, IL 60601. This Privacy Policy explains what personal information we collect, how we use it, who we share it with, and what choices you have.

This policy applies to all websites, landing pages, forms, and messaging programs operated by Rev Edge AI LLC, including but not limited to:

• RateScout — our consumer-facing service that connects homeowners and prospective borrowers with licensed mortgage professionals and, separately, with home services contractors.
• Rev Edge Media — our business-facing service that sells lead generation and marketing services to lenders, brokers, and contractors.

By using our sites or submitting a form, you agree to the collection and use of information as described here and in our Terms of Service. If you do not agree, please do not use our services.

What we are not

Information we collect

The specific information we collect depends on which of our services you use and which form you complete. Below is the full picture.

Information you give us on a consumer form (RateScout)

• Contact details — full name, email address, telephone number.
• Location — ZIP code, and optionally city and state. This is approximate location only. We do not collect precise geolocation and we do not require a street address.
• Mortgage request details — the loan purpose you select (for example purchase, refinance, cash-out, investment, or commercial), the purchase price or loan amount range you select, and a self-reported range for your estimated credit score.
• Home services request details — the type of service you need and any description you provide.
• Consent records — which consent boxes you checked, the exact disclosure text displayed to you, the page URL, and the date and time.

Information you give us on a business form (Rev Edge Media)

• Business name, contact name, business email and phone, service area, industry, approximate budget, and the details of your inquiry.

Information collected automatically

• IP address, browser type, operating system, device type, and general region inferred from IP address.
• Pages viewed, time on page, referring URL, and form interaction events.
• Advertising and analytics identifiers, including cookie IDs and click identifiers passed in the URL by ad platforms (for example Meta's fbclid, Google's gclid, Microsoft's msclkid) and campaign parameters (UTM tags).

Information we do not collect

We have deliberately designed our consumer forms to stop short of collecting information that would make us a lender or a credit reporting agency. We do not ask for and do not want:

• Social Security numbers or taxpayer identification numbers
• Date of birth
• Driver's license, passport, or state ID numbers
• Income, employment history, or employer details
• Bank account, routing, debit or credit card numbers
• Tax returns, pay stubs, or other financial documents
• The exact street address of a property
• Precise geolocation, biometric data, or health data
• Race, ethnicity, national origin, religion, sex, sexual orientation, marital status, familial status, disability status, age, or receipt of public assistance income

If a website asks you for any of the above while presenting itself as RateScout or Rev Edge Media, it is not operated by us. Please report it to [email protected].

Where we get it

• Directly from you — when you complete a form, reply to a message, or contact us.
• Automatically from your device — through cookies, pixels, and server logs, as described above.
• From advertising and analytics platforms — click and campaign identifiers attached to the link you arrived on.
• From service providers — for example fraud and duplicate detection, phone number validation, and email deliverability checks.
• From publicly available business sources — for our business-facing service only, we may use publicly available business contact information and business databases to identify prospective lender and contractor clients. We do not build consumer profiles this way.

How we use it

• To match your request with lenders, brokers, or contractors serving your area and handling your request type, and to transmit your request to them.
• To contact you about your request, by phone, email, or text message consistent with the consents you gave.
• To verify and de-duplicate submissions, detect fraudulent or automated submissions, and validate contact details.
• To maintain records demonstrating that consent was obtained, as required by telemarketing and messaging law.
• To measure and improve our advertising, including attributing form submissions to the campaign that produced them.
• To send you marketing communications, where you have given consent, and to honor opt-outs.
• To operate, secure, troubleshoot, and improve our websites.
• To comply with legal obligations and respond to lawful requests, subpoenas, and regulatory inquiries.

We do not use your information to make automated decisions that produce legal or similarly significant effects about you. Routing your request to a lender is not an eligibility decision — it is a referral, and every credit decision is made by the lender.

How we share it — and why this is a "sale"

Who we share with

• Licensed mortgage lenders, brokers, and loan originators — to respond to your mortgage quote request. A current list of the companies we work with is available on request by emailing [email protected].
• Independent home services contractors — to respond to your service request.
• Service providers acting on our behalf — website and CRM hosting, telephony and messaging providers, email delivery, analytics, fraud detection, and data storage. These providers are contractually limited to using information only to perform services for us.
• Advertising platforms — we share online identifiers and conversion events with platforms such as Meta and Google so we can measure campaign performance and build audiences. Under California law this is a "share" for cross-context behavioral advertising, and you may opt out of it.
• Legal and safety recipients — courts, regulators, and law enforcement where required by law or where we believe in good faith it is necessary to protect rights, safety, or property.
• A successor entity — in a merger, financing, acquisition, or sale of assets, subject to the section on business transfers below.

What happens after we share

Once a lender or contractor receives your request, they are an independent business acting as their own data controller. Their use of your information is governed by their own privacy policy, not this one. We do not control their retention, security, marketing practices, or how many times they attempt to contact you. If you want a specific company to stop contacting you, contact that company directly — and you may also tell us at [email protected] so we can suppress you from future referrals.

Financial privacy notice (Gramm-Leach-Bliley Act)

When we connect consumers with mortgage lenders and brokers, we act as a "finder" and are treated as a financial institution under the federal Gramm-Leach-Bliley Act ("GLBA"). This section serves as our privacy notice for the nonpublic personal information ("NPI") we collect in that role. It is delivered to you before we disclose your NPI, through the link on the form you complete.

What NPI we collect

Your name, contact information, ZIP code, the loan purpose you select, the loan or purchase amount range you select, and the self-reported credit score range you select.

Why and with whom we disclose it

We disclose your NPI to licensed mortgage lenders, brokers, and loan originators at your direction and with your consent, so that they can respond to the request you submitted. This disclosure is made under the GLBA exceptions for disclosures made with the consumer's consent and to service a transaction the consumer requested. We also disclose NPI to service providers who perform functions on our behalf under contracts restricting their use of the information.

Your choices

Because our disclosures are made at your direction, they fall within GLBA exceptions and there is no separate GLBA opt-out that would apply. Your practical control is at the point of submission: if you do not want your information shared with lenders, do not submit the form. After submission, you may still ask us to stop future referrals and remove you from our marketing, and we will honor that — but we cannot retrieve information already delivered to a lender.

How we protect NPI

We maintain physical, electronic, and procedural safeguards designed to comply with the FTC Safeguards Rule, including access controls, encryption of data in transit, vendor oversight, and an incident response process. See How we protect information.

Former customers

If you stop using our services, we continue to apply this notice to the information we retain about you.

We are not a consumer reporting agency

Rev Edge AI LLC is not a consumer reporting agency as defined by the Fair Credit Reporting Act, and the information we collect and transmit is not a consumer report.

The credit score range on our forms is self-reported by you, unverified by us, and expressed as a broad range rather than a score. We do not obtain credit reports, we do not obtain credit scores, we do not perform soft or hard credit inquiries, and we do not assemble or evaluate information bearing on your creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living for the purpose of furnishing it to others as a factor in establishing eligibility for credit.

Lenders and brokers receiving your request may not use the information we transmit as a consumer report or as a substitute for one, and must make their own eligibility determinations using their own permissible-purpose credit access.

Fair lending and fair housing

Rev Edge AI LLC supports the letter and spirit of the Fair Housing Act and the Equal Credit Opportunity Act.

We do not collect, request, infer, or use race, color, religion, national origin, sex, sexual orientation, gender identity, marital status, familial status, disability, age, or whether income derives from a public assistance program. We do not use any of these characteristics — or proxies for them — in deciding which requests to accept, how to route a request, or which lenders receive it. Requests are routed on the basis of the state or ZIP code of the property, the loan or service type selected, and lender or contractor availability and capacity.

We do not make credit decisions. If you believe you have experienced discrimination by a lender or contractor you were connected with, you may file a complaint with the Consumer Financial Protection Bureau or the U.S. Department of Housing and Urban Development, and we would also ask you to tell us at [email protected].

SMS text messaging and mobile opt-in

This section describes how Rev Edge AI LLC collects, uses, and protects mobile phone numbers and text messaging consent. It applies to every website and form we operate, including RateScout and Rev Edge Media.

How we obtain SMS consent

We obtain your express written consent to send text messages through clearly labeled checkboxes on our web forms. These checkboxes are never pre-selected, and checking them is never required in order to submit a form, request a quote, receive a proposal, or purchase any product or service. You provide consent by affirmatively checking the box and submitting the form. We record the date, time, page URL, and the exact disclosure language shown to you at the moment consent was given.

Our messaging programs and use cases

Rev Edge AI LLC operates separate messaging programs, each with its own transactional and marketing consent:

• RateScout — Mortgage — non-marketing messages about your mortgage quote request, lender matching, and appointment scheduling. With separate consent, marketing and promotional messages including loan program updates, market news, and offers.
• RateScout — Home Services — non-marketing messages about your quote request, contractor matching, and appointment scheduling. With separate consent, marketing and promotional messages including special offers, discounts, and seasonal maintenance reminders.
• Rev Edge Media — non-marketing messages about your lead package inquiry, account and campaign updates, scheduling, and billing. With separate consent, marketing and promotional messages including special offers, discounts, and new product updates.

Message frequency, rates, help, and opt-out

Message frequency varies. Message and data rates may apply. Reply STOP to any message to opt out of further text messages at any time. Reply HELP for assistance, or contact us at [email protected]. Carriers are not liable for delayed or undelivered messages. You must be at least 18 years old to opt in to text messaging.

Mobile information sharing

This restriction is absolute and applies regardless of any other provision of this Privacy Policy. We do not sell, rent, lease, or otherwise transfer mobile phone numbers collected for text messaging, or the associated consent records, to any third party, affiliate, data broker, list broker, or lead purchaser for their own marketing purposes.

Where RateScout forwards your request to a lender, broker, or contractor, that referral is made under a separate, separately disclosed consent presented on the form, and the recipient receives your contact details solely to respond to that specific request. The text messaging opt-in and the consent record itself are never included in that transfer. No lender, contractor, or other third party may send you text messages on the basis of consent you gave to us; any messages they send must rest on the consent you gave to them on the form.

Retention of consent records

We retain text messaging consent and opt-out records for as long as required to demonstrate compliance with applicable law, and we honor opt-out requests promptly and in all cases within the timeframes required by law.

Our Do Not Call policy

Rev Edge AI LLC maintains a written internal Do Not Call policy and an internal Do Not Call list, as required by federal telemarketing rules. A copy of the policy is available on request at no charge.

• If you ask us to stop calling, we record your request and add your number to our internal Do Not Call list.
• We honor internal Do Not Call requests promptly and in all cases within 10 business days of the request, and we retain those records for at least five years.
• Our personnel are trained on this policy before placing any outbound calls.
• An internal Do Not Call request made to us applies to us only. It does not stop calls from a lender or contractor you were connected with — you must ask that company directly.

To be placed on our internal Do Not Call list, email [email protected] with the phone number you want suppressed.

How we use your email address

We use the email address you provide to confirm and follow up on your request, to connect you with lenders or contractors, and — where you have consented — to send marketing communications. Every marketing email includes an unsubscribe link, and we honor unsubscribe requests promptly.

We may also use your email address in hashed form to build or exclude custom audiences on advertising platforms such as Meta and Google. If you opt out of the sale or sharing of your personal information, we will stop using your information for this purpose. See Your privacy rights.

Cookies, pixels and advertising

We use cookies, pixels, and similar technologies on our websites, including analytics tools and advertising pixels operated by Meta and Google. These technologies collect information about your interaction with our sites over time and across other sites, and are used to measure ad performance, attribute form submissions to campaigns, and show you relevant advertising, including retargeting.

Most browsers let you block or delete cookies through their settings. Blocking cookies may affect how our sites function. You can also opt out of interest-based advertising through the Digital Advertising Alliance and Network Advertising Initiative opt-out tools, and through the settings offered by individual platforms.

Global Privacy Control. Our websites detect the Global Privacy Control (GPC) and comparable opt-out preference signals. Where your browser transmits one, we record it with your submission and treat it as a valid request to opt out of the sale and sharing of the personal information associated with it. We do not place personally identifiable information in cookies.

How long we keep information

We keep information only as long as we need it for the purposes described in this policy or as required by law. Our current retention criteria:

When a retention period ends, we delete the information or de-identify it so it can no longer be associated with you. Backup copies may persist for a limited period until they are overwritten on their normal cycle.

How we protect information

We maintain a written information security program with administrative, technical, and physical safeguards appropriate to the size of our business and the sensitivity of the information we hold. These include:

• Encryption of personal information in transit using TLS, and encryption at rest by the platforms where our data is stored.
• Role-based access controls and multi-factor authentication on the systems that store personal information.
• Written agreements with service providers restricting their use of personal information, and periodic review of those providers.
• A documented incident response process, including assessment, containment, and notification to affected individuals and regulators where required by law.
• Periodic risk assessment and review of the program.

We do not accept payment from consumers and therefore do not collect or store consumer payment card numbers, bank account details, or Social Security numbers at any point.

No system is perfectly secure. While we use reasonable efforts to protect your personal information, we cannot guarantee absolute security, and we cannot guarantee the security practices of the independent lenders and contractors to whom your request is referred.

Your privacy rights

Depending on where you live, you may have some or all of the following rights. We extend the core rights below to all users, regardless of state:

• Know and access — the categories and specific pieces of personal information we have collected about you, the sources, the purposes, and the categories of third parties we disclosed it to.
• Delete — request deletion of personal information we collected from you, subject to exceptions where we must retain it (for example, consent and opt-out records).
• Correct — request correction of inaccurate personal information.
• Opt out of sale and sharing — direct us to stop selling or sharing your personal information, including for targeted advertising.
• Non-discrimination — we will not deny you services, charge different prices, or provide a different quality of service because you exercised a privacy right.
• Portability — receive a copy of your information in a portable format.

How to make a request

Email [email protected] and tell us which right you are exercising. We will confirm receipt within 10 business days and respond within 45 days, extendable by another 45 days where reasonably necessary, in which case we will tell you.

To protect your privacy, we verify requests by matching the information in your request against what we hold — typically the email address or phone number you submitted. We may ask you to confirm from that email address or phone number. We will not ask you for a Social Security number, government ID, or financial account number in order to verify a request.

Authorized agents. You may use an authorized agent to submit a request. We will ask for written permission signed by you and may ask you to verify your identity directly with us.

California residents

The California Consumer Privacy Act, as amended by the California Privacy Rights Act, requires the following disclosures. This section supplements the rest of this policy.

Notice at collection

We disclose these categories to lenders, brokers, contractors, service providers, and advertising platforms, as described in How we share it. We do not knowingly sell or share the personal information of consumers under 16 years of age.

Financial information exemption

Personal information we collect, process, or disclose in connection with mortgage matching may be nonpublic personal information governed by the Gramm-Leach-Bliley Act, which is exempt from most CCPA obligations. Where an exemption applies, we may be unable to fulfill a CCPA request as to that information. We will tell you if that is the case, and the GLBA notice above will govern instead.

Contact methods for requests

We operate exclusively online. All privacy requests, including requests to opt out of the sale or sharing of personal information, are submitted by email to %s, as listed in Your privacy rights. We also honor opt-out preference signals transmitted by your browser.

Shine the Light

California Civil Code § 1798.83 permits California residents to request information about disclosures of personal information to third parties for their direct marketing purposes. To make such a request, email [email protected].

Other state privacy laws

Residents of states with comprehensive privacy laws — including Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Delaware, Iowa, Nebraska, New Hampshire, New Jersey, Minnesota, Tennessee, Indiana, Kentucky, Rhode Island, and Maryland — have rights substantially similar to those described above, including the right to opt out of targeted advertising and the sale of personal data. We honor these requests through the same channels.

Several of these laws exempt information governed by the Gramm-Leach-Bliley Act, and some exempt financial institutions entirely. Where an exemption applies to your information, we will tell you when we respond to your request.

Nevada residents may submit a verified request that we not sell certain covered information, by emailing [email protected].

Appealing a decision

If we decline your privacy request, we will tell you why. You may appeal that decision within 30 days by replying to our response or emailing [email protected] with the subject line "Privacy Appeal." We will respond in writing within 45 days with our decision and the reasons for it. If we deny your appeal, we will give you a method to contact your state attorney general to submit a complaint.

Children's privacy

Our services are intended for adults. You must be at least 18 years old to submit a form, opt in to text messaging, or otherwise use our services. We do not knowingly collect personal information from anyone under 18, and we do not knowingly sell or share the personal information of anyone under 16. If you believe a minor has provided us with personal information, contact [email protected] and we will delete it.

Business transfers

If Rev Edge AI LLC is involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or part of its assets, personal information may be transferred as part of that transaction. We will require the recipient to honor commitments made in this Privacy Policy, or to provide you notice and an opportunity to opt out before your information becomes subject to a materially different policy.

Rev Edge AI LLC is based in the United States and information is processed in the United States. Our service providers may process information in other countries. Where that occurs, we require appropriate contractual protections.

Links to other websites

Our sites contain links to websites we do not operate or control, including the websites of lenders and contractors. This Privacy Policy does not apply to those sites. We are not responsible for their content, accuracy, security, or privacy practices, and we encourage you to read the privacy policy of any site you visit.

Governing law

This Privacy Policy is governed by the laws of the State of Illinois, without regard to its conflict of laws provisions, except where the privacy law of your state of residence provides you with rights that apply regardless. Nothing in this policy limits rights you have under the law of your state.

Changes to this policy

We may update this Privacy Policy to reflect changes in our practices or in the law. We will post the updated policy here with a new effective date. If we make material changes to how we use or share your personal information, we will provide notice through our website or by contacting you directly before the change takes effect. We retain prior versions of this policy and will provide one on request.

Definitions

• Company / we / us / ourRev Edge AI LLC, an Illinois limited liability company located at 205 N Michigan Avenue, STE 810A, Chicago, IL 60601, which is responsible for your information under this Privacy Policy, together with the brands it operates including RateScout and Rev Edge Media.
• ConsumerAn individual who submits a request through RateScout seeking to be connected with a lender, broker, or contractor.
• Business clientA lender, broker, contractor, or other business that purchases lead generation or marketing services from Rev Edge Media.
• Personal information / personal dataInformation that identifies, relates to, describes, or could reasonably be linked with a particular individual or household.
• Nonpublic personal information (NPI)Personally identifiable financial information that a consumer provides to us in connection with obtaining a financial product or service, as defined by the Gramm-Leach-Bliley Act.
• Sale / shareAs defined by the California Consumer Privacy Act: disclosing personal information to a third party for monetary or other valuable consideration ("sale"), or for cross-context behavioral advertising ("share").
• CookieA small piece of data stored on your device by your browser, used to identify your browser, provide analytics, and remember information about your visit.
• Service providerA company that processes personal information on our behalf and under contract, and is prohibited from using it for its own purposes.
• DeviceAny internet-connected device, such as a phone, tablet, or computer, used to access our services.
• IP addressA number assigned to every device connected to the internet, which can be used to estimate the general location from which a device is connecting.

Contact us

Questions about this policy, or want to exercise a privacy right? Reach us here.