Privacy Policy

When you use Hombuyerwallet.com services to find a program, book an appointment with a real estate professional lender, and get a mortgage, we know you’re trusting us with your data. We also know we have a responsibility to respect your privacy, and we work hard to do just that. This Privacy Notice explains what personal data we collect, why we use it, who we share it with, and how we protect it, along with the tools you can use to manage your privacy. We periodically revise this Notice to reflect new and evolving laws that govern privacy. This Privacy Notice is not a contract and does not create any legal rights or obligations.

Who We Are
Hombuyerwallet.com promotes a wide range of enhanced purchase assistance programs, which we call Community Home Investment Programs (CHIPs). CHIP helps individuals and families overcome financial barriers to homeownership with grants, subsidized loans, tax credits, and mortgage assistance. We match these programs to your needs, making affordable homeownership a reality for more people.

We recognize that the journey to finding a home is unique for everyone. Deciding on the perfect place to call home is a deeply personal and intimate process. To support you in this endeavor, we provide a huge database of Community Home Investment Programs (CHIPs) with real estate professionals that are ready to assist you in homeownership. By using the information you share with us, we tailor our services to help you find your next home, aligning perfectly with our mission to make homeownership possible for everyone, everywhere.

We carefully evaluate how we use data to make sure that we’re using your information to provide value for you. On this page, we aim to explain everything you need to know about your privacy at Homebuyerwallet.com. If you have any questions that we haven’t answered here, you can always contact us at hello@homebuyerwallet.com.

When we use the terms “Homebuyerwallet.com,” “we,” “us,” or “our” in this Privacy Notice, we are referring to Homebuyerwallet Company and its affiliated brands.

Our Offerings: When we use the terms “offerings” or “services,” we are referring to our Internet websites, and other services that link to this Privacy Notice and that we offer and manage on our own behalf, including:

• Our corporate websites that link to this Privacy Notice;
• Connections (such as connecting you to a lender or agent); and
• Other offerings we may make available through our sites and apps.

This Privacy Notice does not cover or address:

• Disclosures or rights we may provide to you in relation to the United States Fair Credit Reporting Act (FCRA);
• The United States Gramm-Leach-Bliley Act (GLBA);
• Disclosures or rights we may provide to you in relation to U.S. state-specific financial privacy laws;
• Offerings that we provide solely on behalf of our business partners; and
• Personal data and privacy practices relating to job applicants, employees, and other Homebuyerwallet.com personnel.

We separately provide notices required under the GLBA, containing GLBA- and state-specific financial privacy law disclosures in connection with GLBA-covered services. If you would like to obtain another copy of a GLBA notice we previously provided to you, please contact us at privacy@homebuyerwallet.com.

For offerings provided on behalf of our customers who are users of the websites and real estate professionals (such as real estate agents), please refer to the privacy notice of the real estate professional with whom you have a relationship for information on how they engage us to process your personal data.

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What is Personal Data?
When we use the term “personal data” in this Privacy Notice, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to an individual or household. It does not include aggregated or de-identified information that is maintained in a form that is not capable of being associated with or reasonably linked to an individual.

Our Collection and Use of Personal Data
The personal data we collect, the way we collect it, and how we use it will depend on how you are interacting with us and the type of services you use.

Information We Collect As You Use Our Services
Collection of Personal Data
As is true of most digital platforms, we and our third-party providers collect certain personal data automatically when you visit or interact with our websites and other online services. This includes things like your program search history, programs you view, what you’ve clicked on, and other uses of our websites, as well as the amount of time you spend looking at different parts of our websites.

Specifically, we and our third-party partners may use tracking technologies to automatically collect commercial information, preferences, and internet, network, and device information.

• Information about how you access our services,Such as the website from which you came and the website to which you are going when you leave our websites, how frequently you access the services, when and whether you open emails or click the links contained in emails, whether you access the services from multiple devices, and other actions you take on the services.

• Information about how you use the services,Such as the pages you visit, the links you click, the ads you view and click on, purchase information and your checkout process, your location when you access or interact with our services, and other similar actions.

• Information about the computer, tablet, smartphone or other device you use,Such as your IP address, browser type, Internet service provider, platform type, device type/model/manufacturer, operating system, date and time stamp, a unique ID that allows us to uniquely identify your browser, mobile device, or your account (including, e.g., a persistent device identifier or an Ad ID), and other such information (referred to herein as “Log Data”).

• Analytics Data,Such as information about your activity when you visit our sites or use our apps; this can include clicks, mouse movements, forms you fill out, and similar information. We use this to better understand what features and parts of the website are most useful, and which ones may need to be improved.

• Cookies, pixels, and other tracking:We and our partners use various tools to collect data when you visit our sites and apps, including cookies, pixel tags, and other similar technologies. Cookies are bits of electronic data that can be transferred to your computer or other device to identify your browser. When you use Homebuyerwallet.com, we and our partners may use cookies and other tools to gather information about how you view and use our services and content, and to connect your activity with other data we store about you. The use of cookies helps us serve you better by understanding what you’re interested in, tracking trends, measuring the effectiveness of ads, saving your preferences, and storing information you may want to retrieve on a regular basis, such as your favorite homes.

This information allows us to improve your customer experience. For example, we may use this information to enhance and personalize your user experience, to monitor and improve our websites and services, and for other internal purposes. We may also use this information to:

• Remember information so that you will not have to re-enter it during your visit or the next time you visit the Sites;
• Provide custom, personalized content, and information;
• Identify and contact you across multiple devices;
• Provide and monitor the effectiveness of our services;
• Perform analytics and detect usage patterns on our services;
• Diagnose or fix technology problems;
• Detect or prevent fraud or other harmful activities;
• Otherwise to plan for and enhance our services.

 

Information You Give Us or Create Using Our Services

Collection of Personal Data

When you use our services and websites, we collect personal data from you. We might also collect personal data about you from our business partners, service providers, and other third parties who collect personal data on our behalf. This information might include:

• Account Registration and Profile Information: If you register for an account through our services or complete a Homebuyerwallet.com profile, we collect account identifiers (including a username and password, as well as internal identifiers we assign to individual accounts to allow our systems to connect account information stored in different databases) and account history and records (including services you’ve used or interacted with, the date and type of account creation, account status, log in activity, transactions, the services we provide, messages received in connection with the services, and your activity on our websites. We use this information to create and administer your account, provide you with the relevant services and information, communicate with you regarding your account and your use of the services, for customer support purposes, and to send you communications by email, push notification, or by text message, in accordance with your preferences.
• Customer Service and Communication History: Including name, address, email, customer service requests, Account Identifiers, Account History and the contents of requests and correspondence with us (including recordings of phone calls, where permitted by law).
• Feedback Information: If you submit a review, feedback or other comments, we collect your contact information (such as first and last name, email address, and phone number) and any feedback and ratings relating to our services and products, including reviews you create of real estate pros.
• Inquiries and Communication: If you communicate with us or otherwise submit an inquiry or question (e.g., via webform), we collect your contact information (such as first and last name, email address, and phone number), account identifiers and history (described above), and any other personal data you choose to provide in the content of your message or communication. We use this information to investigate and respond to your inquiries, to facilitate communication with us, to provide you with requested information, to enhance the services we offer, and to manage and grow our business.
• Location Data: Including general geographic location reflected in the Log Data we collect or more precise location when you choose to share it with us through your device or browser settings.
• Newsletters and Email Communication: Many of our websites and online services provide you an opportunity to sign up for our newsletters and email communications by providing your email address. We use your email address to communicate with you about our services and exciting developments at Homebuyerwallet.com which may include marketing communications.

Other Collection of Personal DataIn addition to the personal data collected above, we may also collect personal data as follows:

• Affiliates: We may receive information about you collected by other Homebuyerwallet.com businesses, brands, and affiliated entities in our family of companies, so that information you provide to one brand may be used by us to better provide you services and communicate with you.

• Business Partners: Our business partners, such as agent partners, lending partners, builders, property managers, and other real estate professionals collect personal data in connection with their services and often share some or all of this information with us. For example, we receive information about transactions you complete with partners with whom we’ve connected you through our services.

• Business Representatives: We collect professional personal data about representatives of third-party businesses, including representatives of our customers and business partners, in connection with our services and the operation of our business, which may include:
  • Contact Information: Including full name, email address, mailing address, and telephone number.
• • Professional Information: Including job title and profession.
• • Inquiry Information: Including the contents of emails.
• • Feedback Information, including information provided in response to surveys we may conduct with customers or business partners, or unsolicited feedback received regarding our services and business.

• Office and Event Visitors: We collect personal data about visitors to our physical offices and events, which may include:
  • Contact Information: Including full name, email address, mailing address, and phone number.
• • Professional Information: Including job title, job function, company name, professional background, and nature of the relationship with us.
• • Visit Information: Including the purpose of the visit and any restrictions or preferences while on premise (such as dietary restrictions).

• Information Providers: We may from time to time obtain information from third-party information providers to correct or supplement personal data we collect. For example, we may obtain updated contact information from third-party information providers to reconnect with you.

• Publicly Available Information: We may collect personal data from publicly available sources, such as information you publicly post or tag us in on social media sites or elsewhere online, and information contained in public records databases, such as government records or public review websites, to supplement the personal data identified above. We will use this information to conduct market research, verify your identity, prevent fraud, and improve our services.

Other Uses of Personal Data

In addition to the uses identified above, we use the personal data we collect to:

• Facilitate our day-to-day business operations, such as helping you find your next home, or connect with a real estate agent, lender, or other real estate professional;
• Create and maintain the services, develop new products and services, and improve existing products and services;
• Aggregate information we receive from you and third parties to help understand individual needs, customize our services and offerings, and provide everyone better service;
• Conduct research and analytics designed to understand our customer base and improve and grow our business, products, services, and customer experience;
• Communicate with you to provide technical or administrative support;
• Prevent, investigate, and defend against fraud or unlawful or criminal activity, access to, or use of personal data and our data system services;

• Enforce, investigate, and resolve disputes and security issues and to enforce our Terms of Service and any other contracts;
• Comply with legal obligations and other governmental demands;
• Understand your preferences and interests to better serve you on your home-finding journey;
• Personalize your individual experience, including providing educational resources and pointing you to homes you might be interested in or offerings of ours that might help you find your next home;
• For any other lawful, legitimate business purpose.

Our Disclosure of Personal Data

We may disclose your personal data when you booked an appointment with a Professional.

We disclose your personal data in the following ways:

• Within Homebuyerwallet.com: We can offer the products and services we make available because of the hard work of the entire Homebuyerwallet.com team. Homebuyerwallet.com entities disclose your personal data to other Homebuyerwallet.com Group entities for purposes and uses that are consistent with this Privacy Notice and applicable law. For example, one part of Homebuyerwallet.com might share your personal data with another to ensure that all the people helping in your home journey are working together for you.
• Business Partners: At your direction, we may share your personal data with our business partners to provide you with our products and services. For example, if you ask us to, we’ll share your contact information with a real estate agent or mortgage lender.
• Marketing Partners: We coordinate and share your personal data with our marketing partners, including advertising networks, social networks, and marketing communication providers, to communicate with you about our products and services and market our products and services to you. We may also share aggregated demographic information with third parties interested in advertising on our online services to assist them in understanding the audience they would be reaching, but this information is not designed to identify any specific individual.
• Service Providers: We share information with third-party vendors and service providers that perform services for or on our behalf, which may include identifying and serving targeted advertisements, providing mailing or email services, tax and accounting services, customer service, product fulfillment, payments processing, photo sharing, data processing and enhancement services, fraud prevention, web hosting, analytic services, or other online functionality, subject to appropriate contractual terms protecting the confidentiality and use of such data. We never allow service providers to use your personal data for their own purposes.
• Business Transaction or Reorganization: We may take part in or be involved with a corporate business transaction, such as a merger, acquisition, joint venture, or financing or sale of company assets. We may disclose your personal data to a third party during negotiation of, in connection with, or as an asset in such a corporate business transaction. Your personal data may also be disclosed in the event of insolvency, bankruptcy, or receivership.
• Legal Obligations and Rights: We may disclose your personal data to third parties, such as legal advisors and law enforcement:
  • In connection with the establishment, exercise, or defense of legal claims;
  • To comply with laws and regulations or to respond to lawful requests and legal process;
  • To protect our rights and property and the rights and property of our agents, customers, and others, including to enforce our agreements, policies, and terms of use;
  • To detect, suppress, or prevent fraud;
  • To reduce credit risk and collect debts owed to us;
  • To protect the health and safety of us, our customers, or any person;
  • As otherwise required by applicable law.
  • For Homebuyerwallet’s policy on government and civil requests for information, please contact us in this email hello@homebuyerwallet.com.

• Otherwise with Consent or At Your Direction: We may disclose your personal data to certain other third parties or publicly with your consent or direction. If you post a comment or review on our website or on our social media sites, the information you provide may be displayed publicly online for others to view.

Choices About Your Data

Profile Access and Data Sharing: You may access and update your profile information, such as your username, address, and may change some of your data sharing preferences on your account page.

Location and Device Permissions: You may control location tracking by adjusting your location services options on the “Settings” app on your mobile device. We may continue to approximate your location based on your IP address when you access the services through a computer or device. If you would like to update your device content access permissions, such as permissions to access your camera, you can do so in the “Settings” app on your mobile device.

Promotional Messages: You can stop receiving promotional email communications from us by following the “unsubscribe” instructions provided in such communications. We make every effort to promptly process all unsubscribe requests. You may still receive service-related communications, including account verification, transactional communications, changes/updates to features of the services, and technical and security notices.

Third-Party Tracking and Interest-Based Advertising

We may participate in interest-based advertising and use third-party advertising companies to serve you targeted advertisements based on your browsing history. We may permit third-party online advertising networks, social media companies, and other third-party services to collect information about your use of our websites, including our mobile apps, over time so that they may display ads on our services, other websites, apps, or services you may use, and on other devices you may use. Typically, the information used for interest-based advertising is collected through tracking technologies like cookies, Flash objects, web beacons, embedded scripts, mobile SDKs, location-identifying technologies, and similar technology (collectively, “tracking technologies”). These technologies recognize your device and collect information such as clickstream, browser type, time/date of visit, device ID or AdID, geolocation, and other data. We may share a common account identifier (such as an e-mail address or user ID) or hashed data with third-party advertising partners to help identify you across devices.

We, or our third-party partners, may link your various devices so that content you see on one device can result in relevant advertising on another device. We may share a common account identifier (such as a hashed email address or user ID) or work with third-party partners who use tracking technologies or statistical modeling tools to determine if two or more devices are linked to a single user or household. This allows us, and our partners, to serve interest-based advertising and other personalized content to you across devices, improve your user experience, perform analytics, and measure the performance of our advertising campaigns.

In some of our offerings, including our mobile applications, we provide you with the option of logging in using an account that you may have with a social-media service, such as Apple, Google, or Facebook. For this type of log-in, you will be directed to the appropriate social-media log-in page, where you will enter your username and password (or account credentials) for the social-media service. (Through a social-media log-in, the social media service may know when you have used our offering.) The social media-service will then send us a token, which we will use to authenticate you for access. The social-media service may also share your name and email address with us, although we will not have access to your social-media account credentials. We may keep the token and your name and email address for the purpose of identifying you, which enables us to maintain your preferences in our offering across different devices. As an example, by identifying you using this information, we can present to you your previous searches and saved properties in our mobile applications, even if you access the applications from different devices.  Keeping this information also makes it possible for us to pre-populate your name and email in certain interfaces, such as log-in fields or contact forms.    

Your Choices

As noted above, depending on your browser or mobile device, you may be able to set your browser to delete or notify you of cookies and other tracking technology by actively managing the settings on your browser or mobile device. You may be able to limit interest-based advertising through the settings on your mobile device by selecting “limit ad tracking” (iOS) or “opt-out of interest-based ads” (Android). Please note that opt-outs are browser specific, so opting out on one browser will not affect a second browser, or device. Moreover, if you buy a new device, use a different browser, or clear all your cookies, you will have to opt out all over again. To learn more about interest-based advertising and how you may be able to opt-out of some of this advertising, you may wish to visit the Network Advertising Initiative’s online resources, at http://www.networkadvertising.org/choices, and/or the DAA’s resources at www.aboutads.info/choices. You may also be able to opt-out of some – but not all – interest-based ads served by mobile ad networks by visiting http://youradchoices.com/appchoices and downloading the mobile AppChoices app. Note that some of these opt-outs may not be effective unless your browser is set to accept cookies. If you delete cookies, change your browser settings, switch browsers or computers, or use another operating system, you may need to opt-out again.

Children’s Personal Data

Our websites and online services are not directed to, and we do not intend to knowingly collect or solicit personal data from children under the age of 13. If you are under the age of 13, please do not use our websites or online services or otherwise provide us with any personal data either directly or by other means. If a child under the age of 13 has provided personal data to us, we encourage the child’s parent or guardian to contact us as described below to request that we remove the personal data from our systems. If we learn that any personal data we collect has been provided by a child under the age of 13, we will promptly delete that personal data.

Region-Specific Disclosures

We may choose or be required by law to provide different or additional disclosures relating to the processing of personal data about residents of certain countries, regions, or states. Please see below for disclosures that may be applicable to you:

• If you are a resident of the State of California, Colorado, Connecticut, Utah, or Virginia in the United States, please see below for additional U.S. state-specific privacy disclosures.

• If you are a resident of the State of Nevada in the United States, Chapter 603A of the Nevada Revised Statutes permits a Nevada resident to opt out of potential future sales of certain covered information that a website operator has collected or will collect about the resident. To submit such a request, please contact us at hello@homebuyerwallet.com.

Third-Party Websites

Our websites and online services may include links to or redirect you to third-party websites, plug-ins and applications, including social media services where you may connect with us. Third-party websites may also reference or link to our websites and online services. Except where we post, link to, or expressly adopt or refer to this Privacy Notice, this Privacy Notice does not apply to, and we are not responsible for, any personal data practices of third-party websites and online services or the practices of other third parties. To learn about the personal data practices of these third parties, please visit their respective privacy notices or policies.

Updates to this Privacy Notice

We will update this Privacy Notice from time to time. When we make changes to this Privacy Notice, we will change the “Last Updated” date at the beginning of this Privacy Notice. If we make material changes to this Privacy Notice, we will notify you. All changes shall be effective from the date of publication unless otherwise provided in the notification.

Contact Us

If you have any questions or requests in connection with this Privacy Notice or other privacy-related matters, please send an email to hello@homebuyerwallet.com.

Alternatively, inquiries may be addressed to:

853 New Jersey Ave SE, Suite 200

Washington DC, 20003

District of Columbia, United States

Additional U.S. State Privacy Disclosures

These Additional U.S. State Privacy Disclosures supplement the above information by providing additional information about our personal data processing practices relating to individual residents of the States of California, Colorado, Connecticut, Utah, and Virginia. Unless otherwise expressly stated, all terms defined in our Privacy Notice retain the same meaning in these Disclosures.

Additional Personal Data Disclosures

Sensitive Information

The following personal data elements we collect may be classified as “sensitive” under certain privacy laws (“sensitive information”):

• Email, mobile number, birthday, job title;

• Username and password.

We use this sensitive information for the purposes set forth in the “Our Collection and Use of Personal Data” section of our Privacy Notice, to enter into and perform a contract with you, to comply with legal and regulatory requirements, to protect the life or physical safety of you or others, or as otherwise permissible for our internal business purposes consistent with applicable laws.

We do not sell your sensitive information, and we do not process or otherwise share sensitive information for the purpose of targeted advertising.

De-identified Information

We may at times receive or process personal data to create de-identified data that can no longer reasonably be used to infer information about, or otherwise be linked to, a particular individual or household. Where we maintain de-identified data, we will maintain and use the data in de-identified form and not attempt to re-identify the data except as required or permitted by law.

Your Privacy Choices

Depending on your state of residency and subject to certain legal limitations and exceptions, you may be able to exercise some or all the following rights:

The Right to Know

The right to confirm whether we are processing your personal data and, under some state laws, to obtain certain personalized details about the personal data we have collected about you, including:

The categories of personal data collected;
The categories of sources of the personal data;
The purposes for which the personal data were collected; 
The categories of personal data disclosed to third parties (if any), and the categories of recipients to whom the personal data were disclosed;
The categories of personal data shared for cross-context behavioral advertising purposes (if any), and the categories of recipients to whom the personal data were disclosed for those purposes; and
The categories of personal data sold (if any), and the categories of third parties to whom the personal data were sold data and, under some state laws, to obtain certain personalized details about the personal data we have collected about you, including: The categories of personal data collected; The categories of sources of the personal data; The purposes for which the personal data were collected; The categories of personal data disclosed to third parties (if any), and the categories of recipients to whom the personal data were disclosed; The categories of personal data shared for cross-context behavioral advertising purposes (if any), and the categories of recipients to whom the personal data were disclosed for those purposes; and The categories of personal data sold (if any), and the categories of third parties to whom the personal data were sold.

The Right to Access & Portability

The right to obtain access to the personal data we have collected about you and, where required by law, the right to obtain a copy of the personal data in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the data to another entity without hindrance.

The Right to Correction

The right to correct inaccuracies in your personal data, taking into account the nature of the personal data and the purposes of the processing of the personal data.

The Right to Deletion

The right to have us delete the personal data we maintain about you.

The Right to Opt-Out of Sales or Sharing of Personal Data

The right to direct us not to “sell” your personal data to third parties for monetary or other valuable consideration, or “share” your personal data to third parties for cross-context behavioral advertising purposes and targeted advertising purposes.

“Shine the Light”

California residents that have an established business relationship with us have rights to know how their personal data is disclosed to third parties for their direct marketing purposes under California’s “Shine the Light” law, or the right to opt out of such practices (Civ. Code §1798.83).

Depending on your state of residence, you may also have the right to not receive retaliatory or discriminatory treatment in connection with a request to exercise the above rights. However, the exercise of the rights described above may result in a different price, rate, or quality level of product or service where that difference is reasonably related to the impact the right has on our relationship or is otherwise permitted by law.

Submitting Privacy Rights Requests

To submit a request to exercise one of the privacy rights identified above, please:

• Navigate to our Privacy Center
• Email us at hello@homebuyerwallet.com.

We may need to verify your identity before processing your request. To submit a request, you’ll need to log in to your account with us so we can verify your identity. If you can’t log in or don’t have an account, we may not be able to link you to any personal data of yours on our systems, but we’ll do our best. In certain circumstances, we may decline a request to exercise the rights described above, particularly where we are unable to verify your identity or locate your information in our systems. We will use personal data provided in connection with a Rights Request only to review and comply with the request.

To Exercise Your Right to Opt-Out of Personal Data Sales or Sharing for Targeted Advertising

Unless you have exercised your Right to Opt-Out, we may disclose your personal data to third parties who may use such information for their own purposes in accordance with their own privacy policies. Under some state laws, disclosing personal data for online advertising like this may be considered a “sale of personal data” or “sharing for targeted advertising.”

Homebuyerwallet.com allows certain companies to place tracking technologies like cookies and pixels on our sites, which allow those companies to receive information about your activity on Homebuyerwallet.com that is associated with your browser or device. The companies may use that data to serve you with more relevant ads on our sites or others. Except for this kind of selling or sharing, Homebuyerwallet.com doesn’t otherwise sell any of your personal data. You always have control over whether these technologies work on your devices. At any time, you can use our cookie preference tools to manage what kinds of cookies and other tracking technologies you’re comfortable with. Check out our Privacy Center for information about how to access these tools. You can also disable cookies altogether by adjusting the settings on your browser. However, if you choose to disable some or all cookies, many parts of our services may no longer work.

You do not need to create an account with us to exercise your Right to Opt-Out. However, we may ask you to provide additional personal data so that we can properly identify you to track compliance with your opt-out request. We will only use personal data provided in an opt-out request to review and comply with the request. If you choose not to provide this data, we may be able to process your request only to the extent we are able to identify you in our data systems.

To exercise the Right to Opt Out of Personal Information Sales or Sharing:

Navigate to our Privacy Center or email hello@homebuyerwallet.com with sufficient information to identify you and your request.

Submitting Authorized Agent Requests

In certain circumstances, you are permitted by law to use an authorized agent to submit requests on your behalf through the designated methods set forth above, where we can verify the authorized agent’s authority to act on your behalf. To verify the authorized agent’s authority, we generally require evidence of either: (i) a valid power of attorney; or (ii) a signed letter containing your name and contact information, the name and contact information of the authorized agent, and a statement of authorization for the request. Depending on the evidence provided and your state of residence, we may still need to separately reach out to you to confirm the authorized agent has permission to act on your behalf and to verify your identity in connection with the request.

Appealing Privacy Rights Decisions

Depending on your state of residence, you may be able to appeal against a decision we have made in connection with your privacy rights request. All appeal requests should be submitted via email to hello@homebuyerwallet.com.

Minors

We do not sell the personal data of consumers we know to be less than 16 years of age, unless we receive affirmative authorization (the “Right to Opt In”) from either the minor who is between 13 and 16 years of age, or the parent or guardian of a minor less than 13 years of age.

If you are under the age of 18 and you want to remove your name or comments from our website or publicly displayed content, please contact us directly at hello@homebuyerwallet.com. We may not be able to modify or delete your information in all circumstances.

If you wish to submit a privacy request on behalf of your minor child in accordance with applicable jurisdictional laws, you must provide sufficient information to allow us to reasonably verify your child is the person about whom we collected personal information and you are authorized to submit the request on your child’s behalf (i.e., you are the child’s legal guardian or authorized representative).

California-Specific Disclosures

The following disclosures only apply to residents of the State of California.

California Categories of Personal Data

California law requires us to provide disclosures to you about what personal data we collect by reference to the enumerated categories of personal data set forth within California law. To address this obligation, we have identified the relevant enumerated California personal data category for the personal data, sources, and purposes described in the “Our Collection and Use of Personal Data” section of our Privacy Notice below:

• Identifiers, including Account Registration and Profile Information, information related to your feedback, inquiries, and communications, credit and identity information relating to data used to identify you, full name, birthday, email, and phone number.
• Customer Records, including Account Registration and Profile Information, and Security/Authentication Information.
• Protected Classification Characteristics, including age and date of birth.
• Commercial Information, including Account Registration and Profile Information relating to your purchases, Profile Information relating to your transactions, preferences, and interests, and Feedback Information.
• Internet/Network Information, including information about how you access and use the services, Log Data, and Analytics Data.
• Sensitive Information, including username and password.
• Other Personal Data, including any information you provide us in connection with signing up for newsletters, email communications, and surveys, personal data you permit us to see when interacting with us through social media, and personal data you provide us in relation to a question, request, inquiry, survey, contest, or promotion.
• Inferences, including our predictions about interests and preferences and related Service Profile Information.

We collect this data from the following sources: directly from you, from our business partners and affiliates, from your browser or device when you visit our website to use our Services, or from third parties that you permit to share information with us. Please see the “Our Collection and Use of Personal Data” section of our Privacy Notice for more information about the sources of personal data we collect. We disclose all these categories of personal data for a business purpose to service providers or other third parties at the consumer’s direction, as outlined in the “Our Disclosure of Personal Data” section of our Privacy Notice.

Retention of Personal Data

We strive to retain your personal data only for as long as is reasonably necessary to fulfill the purpose for which it was collected. However, if necessary, we may retain your personal data for longer periods of time, until set retention periods and deadlines expire, for instance where we are required to do so in accordance with legal, tax and/or accounting requirements set by a legislature, regulator, or other government authority.

To determine the appropriate duration of the retention of personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of personal data and if we can attain our objectives by other means, as well as our legal, regulatory, tax, accounting, and other applicable obligations.

Therefore, we retain personal data for as long as you use our services for the purposes explained in our Privacy Notice, including maintaining a user account. When you discontinue the use of our services, we will retain your personal data for as long as necessary to comply with our legal obligations, to resolve disputes and defend claims, as well as for any additional purpose based on the choices you have made, such as to receive marketing communications.

Once retention of your personal data is no longer necessary for the purposes outlined above, we will either delete or de-identify the personal data or, if this is not possible (for example, because personal data has been stored in backup archives), then we will securely store your personal data and isolate it from further processing until deletion or de-identification is possible.

“Shine the Light” Disclosures

The California “Shine the Light” law gives residents of California the right under certain circumstances to request information from us regarding the way we share certain categories of personal information (as defined in the Shine the Light law) with third parties for their direct marketing purposes. To opt out of this type of sharing, please visit our Privacy Center or email us at hello@homebuyerwallet.com.