Privacy Policy — Daily Rate News
Effective date: August 20, 2026
1. Who we are
Daily Rate News ("we", "us") is operated by MPD Enterprise LLC. We provide a white-label daily mortgage-market newsletter platform for Loan Officers ("LOs").
Contact: contact@dailyratenews.com · 657-679-7675 · 10441 Stanford Ave #921, Garden Grove, CA 92842
2. Two different groups of people
This policy covers two distinct groups, and your rights differ depending on which you are:
- Loan Officers — our customers, who hold an account with us. We decide how their account data is handled, so we are the controller of it.
- Newsletter subscribers — people who subscribed to a Loan Officer's newsletter. The Loan Officer decides who is on their list and what is sent. We process that data on their behalf. If you are a subscriber and want your data removed, the fastest route is the unsubscribe link in any email; you may also contact us or the Loan Officer directly.
3. What we collect
From Loan Officers (account holders)
| Data | Why |
|---|---|
| Name, email address | Account identity, sign-in, service emails |
| Password | Stored only as a salted hash — we never see or store your actual password |
| Email verification status | We require a verified email to sign in |
| Profile image URL, brokerage name, logo, brand colour, bio, contact email, contact phone, social links, page slug | Your branded public page. When you publish your page, these become publicly visible — that is the purpose of the feature |
| Session records — including IP address and browser user-agent | Keeping you signed in, and letting you sign out other devices |
| Stripe customer and subscription identifiers, plan status, subscriber cap, trial and first-payment timestamps | Billing and access control |
| Newsletter issues and their content | The product |
| Tags you create for targeting sends | The product |
| Organisational tags we apply to your account | Choosing which accounts receive our article and product-update emails |
| A unique unsubscribe token for our emails to you | So every article or product-update email we send you carries a one-click opt-out that works without logging in |
| Delivery and engagement data for our article and product-update emails to you — acceptance, delivery, bounces, spam complaints, and whether the email was opened and which links were clicked | Knowing whether our emails reach you and are read. Open and click data comes from standard email tracking (a tracking pixel and wrapped links); opt out at any time via the unsubscribe link in any such email |
| Apple push notification device token, device platform, and app version — collected only if you install our iOS app and allow notifications | To deliver the notifications you turn on. The token identifies the app installation on your device, not you personally, and is deleted when you sign out, turn notifications off, or delete the app |
| Your notification preferences and interest-rate alert thresholds | So we send only the alerts you asked for |
From newsletter subscribers (on behalf of Loan Officers)
| Data | Why |
|---|---|
| Email address, and name if given | To deliver the Loan Officer's newsletter |
| Subscription status, subscribe/unsubscribe timestamps, and how you subscribed | Proof of consent and honouring opt-outs |
| A unique unsubscribe token | So every email carries a one-click unsubscribe link that works without you logging in |
| Delivery records — that an email was accepted for delivery, and when | Deliverability and audit |
| Engagement data — whether you opened a newsletter, and which links in it you followed, and when. This comes from standard email tracking (a small tracking pixel and links that pass through a redirect on our domain). We keep the fact and time of an open, and for a click the time and the newsletter link you followed (for example an article, a calculator, or the Loan Officer's page) — not your IP address or device. Clicks on the unsubscribe link are discarded, not stored. | So the Loan Officer can see, for their own list, which newsletters were opened and which pages people visited from them, and keep their list to people who want it. Shown to that Loan Officer only, and only for their own subscribers. Opens are approximate — some mail apps open every message automatically. Stop it entirely by unsubscribing (one click, no login) or by turning off image loading in your mail app |
| Tags a Loan Officer applies to you | So they can send to a segment of their list |
What we do not collect
Our marketing site (the public pages that describe Daily Rate News) uses Google Analytics to count page views — with IP anonymization on and advertising features off. The product itself — the dashboard, sign-in, Loan Officer pages, and unsubscribe pages — contains no analytics, advertising pixels, session recording, or third-party tracking scripts. We do not use session recording or advertising pixels anywhere. The only email tracking is the open and click tracking described above, in Loan Officer newsletters to subscribers and in our own article and product-update emails to account holders. Sign-in and password-reset emails contain no tracking. We never record IP addresses or devices from that tracking. We do not collect income, debt, credit, employment, loan-application, or borrower-qualification data of any kind; the calculators on our pages run entirely in your browser and send nothing to us or anyone else. We are not a CRM and hold no loan files.
4. Cookies
We set exactly two cookies, both first-party and strictly functional:
- A session cookie, so you stay signed in.
drn_pending_plan— a short-lived (1 hour) cookie remembering which plan you picked before signing up, so we can send you to the right checkout afterwards.
On the marketing site only, Google Analytics sets its own cookies (_ga and related) to distinguish visitors; they are not used for advertising and do not exist on the product's pages (the dashboard, sign-in, Loan Officer pages, and unsubscribe pages). There are no advertising or cross-site tracking cookies anywhere.
5. Who we share data with
We sell your personal information to no one, and we share it only with the service providers who make the product work:
| Provider | What they get | Why |
|---|---|---|
| Amazon Web Services (US, Ohio region) | All application data | Hosting and database |
| Stripe | Loan Officer name, email, and payment details | Payment processing. Card numbers go directly to Stripe — they never touch our servers. We store only Stripe's identifiers |
| Resend | Recipient email address and message content; open and click events (Resend operates the tracking pixel and link redirect and passes the events to us) | Email delivery and delivery/engagement events |
| Apple | Your device token and the text of the notification | Delivering push notifications to your device. Apple is the only route by which a notification can reach an iPhone. Notification text never contains a subscriber's name or email address |
| Google (Google Analytics) | Marketing-site page-view data — anonymized IP, no advertising identifiers | Understanding which public pages are visited |
We also fetch market and economic-calendar data from a market-data provider. That request contains no personal data — it is only rate and calendar information.
We may disclose information if required by law, or to protect our rights or the safety of others.
6. Retention — including one thing you should know
We keep Loan Officer account data for as long as the account exists.
You can delete your account at any time, from Settings on the web or in our iOS app. Deletion is immediate and cannot be undone. When you delete:
- your subscriber list, tags, branding, and public page are removed, and your public page stops working straight away;
- your sign-in credentials, sessions, and any push notification device tokens are deleted;
- your name and email address are erased from your account record;
- any active subscription is cancelled.
Two things are deliberately kept, and neither is used to contact you:
- Records that emails were sent — the date, the recipient address, and whether the provider accepted them. These are how we can show that a message was sent and that an unsubscribe was honoured. We keep them as a compliance record and for no other purpose. Engagement events (opens and clicks) are kept alongside the send records they belong to.
- Suppression records — see below.
Subscriber suppression records are permanent, on purpose. If you unsubscribe from a Loan Officer's newsletter, we permanently record your email address on that Loan Officer's suppression list. We keep it forever, and there is no way to undo it — because that record is precisely what guarantees you are never emailed again. It is kept for your protection, not for marketing, and is used for nothing else. It is also our evidence that your opt-out was honoured. This does not depend on the Loan Officer's account continuing to exist.
Account-holder opt-outs work differently. If you are an account holder and you opt out of our own article and product-update emails, that choice is tied to your account. If you later delete your account, the choice is deleted with it, and your email address becomes available for a fresh sign-up. Should you create a new account with that address in future, you would be starting a new relationship with us and would need to opt out again.
7. Security
Data is encrypted in transit (HTTPS) and the database is encrypted at rest and is not reachable from the public internet. Passwords are stored only as salted hashes. Access to production data is limited to the operator, requires multi-factor-protected cloud credentials, and is read-only by default. Card data is never stored by us.
No system is perfectly secure, and we cannot guarantee absolute security.
8. Your rights
If you are in California (CCPA/CPRA), you have the right to know what personal information we hold, to request deletion, to request correction, and not to be discriminated against for exercising those rights. We do not sell or share personal information for cross-context behavioural advertising.
If you are a newsletter subscriber, you can opt out at any time via the unsubscribe link in any email — it works instantly, with one click, and requires no account. Unsubscribing also ends all engagement tracking, because no further email is sent; you can defeat open tracking on its own by turning off remote images in your mail app. You may also email us at contact@dailyratenews.com.
If you are an account holder, you can opt out of our article and product-update emails at any time via the unsubscribe link they carry — also one-click and instant. Account, billing, and security emails are unaffected.
To exercise any right, contact contact@dailyratenews.com or 657-679-7675. We will verify your identity before acting. If your request concerns a Loan Officer's subscriber list, we may need to direct it to that Loan Officer, who decides what happens to their list.
9. Children
The service is not directed to anyone under 18, and we do not knowingly collect data from children.
10. Changes
We will post any changes here and update the effective date. Material changes will be communicated to Loan Officers by email.
11. Contact
MPD Enterprise LLC · contact@dailyratenews.com · 657-679-7675 · 10441 Stanford Ave #921, Garden Grove, CA 92842