1. Introduction

Welcome to BestCDRatesToday.com ("we," "our," or "us"). We are committed to protecting your privacy and ensuring you have a positive experience on our website. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website.

By using BestCDRatesToday.com, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our website.

2. Information We Collect

2.1 Information You Provide

BestCDRatesToday.com is an informational comparison website. We do not collect personal information such as names, email addresses, or financial information unless you voluntarily provide it to us through contact forms or email correspondence.

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing activity, including:

• Usage Data: Pages visited, time spent on pages, links clicked, and other actions taken on our site
• Device Information: Browser type, operating system, device type, and screen resolution
• Technical Data: IP address, referring/exit pages, and date/time stamps
• Cookies and Similar Technologies: Data collected through cookies, web beacons, and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• Provide and Maintain Services: To display CD rates and comparison information
• Improve User Experience: To understand how visitors use our site and improve functionality
• Analytics: To analyze trends, track user behavior, and gather demographic information
• Technical Operations: To diagnose technical problems and maintain website security
• Compliance: To comply with legal obligations and enforce our terms of service

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and store certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

Types of Cookies We Use:

• Essential Cookies: Necessary for the website to function properly (e.g., theme preferences)
• Analytics Cookies: Help us understand how visitors interact with our website (Google Analytics)
• Functional Cookies: Remember your preferences and settings

5. Third-Party Services

5.1 Google Analytics

We use Google Analytics to analyze website traffic and usage patterns. Google Analytics uses cookies to collect information about your use of our website. This information is transmitted to and stored by Google on servers in the United States.

For more information on how Google uses this data, visit: Google Privacy Policy

5.2 External Links

Our website contains links to third-party financial institutions. We are not responsible for the privacy practices or content of these external sites. We encourage you to read the privacy policies of any third-party sites you visit.

5.3 Data Sources

CD rate information displayed on our website is collected from publicly available sources and financial institution websites. We do not share user data with these institutions, and clicking on links to their websites is subject to their respective privacy policies.

6. Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain automatically collected information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Analytics data is typically retained for 26 months in accordance with Google Analytics default settings.

8. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Opt-Out: Opt-out of cookies through your browser settings
• Do Not Track: We respond to Do Not Track signals in accordance with applicable law

To exercise any of these rights, please contact us using the information provided below.

9. Children's Privacy

Our website is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete such information.

10. California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by businesses
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising CCPA rights

Note: BestCDRatesToday.com does not sell personal information to third parties.

11. International Users

Our website is operated in the United States. If you are accessing our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

14. Disclaimer

BestCDRatesToday.com is a comparison and informational website. We do not accept deposits, offer financial products, or provide financial advice. All CD rates and information displayed are for comparison purposes only. Please verify all rates and terms directly with financial institutions before making any financial decisions.