Collection of Personal Information

First Rate Living collects personally identifiable information from you when you register on our site, subscribe to our email, or subscribe to our RSS feed.

When filling out a form on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address, and phone number. If you do not wish to share your personal data, you may not be able to access all the data available on our site or have participated in certain online activities.

There is also information about your computer hardware and software that is automatically collected by First Rate Living. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by First Rate Living to provide general statistics regarding use of the First Rate Living website.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through First Rate Living’s blogs or social media forums, this information may be collected and used by others. Note: First Rate Living does not read your private online communications with others.

First Rate Living encourages you to review the privacy statements of websites you choose to link to from First Rate Living so that you can understand how those websites collect, use and share your information. First Rate Living is not responsible for the privacy statements or other content on websites outside of the First Rate Living family of websites or the use of your information by such outside websites. Upon request, First Rate Living will grant individuals reasonable access to factual Personal Information that it holds about them. In addition, First Rate will take reasonable steps to permit individuals to correct, amend, or delete information that is demonstrated to be factually inaccurate or incomplete.

Use of Personal Information

First Rate Living may also use your personally identifiable information to inform you of other products or services available from First Rate Living and its affiliates. First Rate Living may also contact you via surveys to conduct research about your opinion of current services or of potential new services. You are under no obligation to participate in our surveys.

First Rate Living does not sell, rent or lease its customer lists to third parties.

In addition, First Rate Living may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. Such third parties are prohibited from using your personal information except to provide these services to First Rate Living, and they are required to maintain and safeguard the confidentiality of your information with at least the same level of protection as is provided by this Policy as well as applicable laws, rules, regulations, and orders, and that they will require the same of any subcontractor. Where First Rate Living has knowledge that an agent is using or disclosing Personal Information in a manner contrary to this Policy, First Rate Living will take reasonable steps to prevent or stop the use or disclosure.

Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

First Rate Living keeps track of the websites and pages you visit within First Rate Living, in order to determine what First Rate Living services are the most popular. This data is used to deliver customized content and advertising within First Rate Living to customers whose behavior indicates that they are interested in a particular subject area.

First Rate Living websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on First Rate, Inc. or the site; (b) protect and defend the rights or property of First Rate, Inc. (including enforcing this agreement); and, (c) act under exigent circumstances to protect the personal safety of users of First Rate, Inc., or the public.

Protection of Information

No method of safeguarding information is 100% secure. First Rate Living uses a variety of security technologies and procedures to help protect your personal information from unauthorized access, use or disclosure. First Rate Living secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. First Rate will evaluate any security incident reasonably expected to involve Personal Information or where otherwise required by law, and will report any unauthorized disclosure of Personal Information to governmental authorities and impacted individuals as required by and in accordance with applicable laws.


First Rate Living will conduct compliance audits, reviews, and assessments of its relevant privacy practices to verify adherence to this Policy. Any employee that First Rate determines is in violation of this Policy will be subject to disciplinary action up to and including termination of employment.

Do we use cookies?

Yes (cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information).

We use cookies to understand and save your preferences for future visits and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

California Online Privacy Protection Act Compliance

Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

Children’s Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Your Consent

By using our site, you consent to our online privacy policy.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.

To Unsubscribe From First Rate

You may unsubscribe from First Rate Living marketing communications by clicking on the “unsubscribe” link located on the bottom of the company’s emails. Additionally, you may unsubscribe by contacting First Rate, Inc. at 1-888-393-RATE (1-888-393-7283).