HomeFunds Privacy Policy.                                         

This Privacy Notice (the “Privacy Notice”) constitutes an agreement between you and HomeFunds and its affiliates, corporate parent(s), and subsidiaries (collectively “HomeFunds” “us,” “our,” or “we”) and describes how HomeFunds collects, protects, uses, and discloses information and data collected and created in the course of your access to and use of our website, HomeFunds.com, and other websites we own or operate (collectively, the “Site”), products, and services (collectively, the “Services”), as well as your interactions with HomeFunds via telephone, through email and postal mail.

We encourage you to read this Privacy Notice carefully to understand the information we collect and what we do with it. Remember that your use of our Services is at all times subject to our Terms of Service which is incorporated in this Privacy Notice. Any terms we use in this Privacy Notice without defining them have the definitions given to them in the Terms of Service.

User Consent.

By accessing this Site, registering with HomeFunds, creating a user profile on our Site, or submitting Personal Information (defined below) to HomeFunds you consent to this Privacy Notice and the collection and use of information as described below. We will take steps to notify you and confirm that you agree at different stages of collecting Personal Information. If you do not agree with our policies and practices, you may not be able to access or benefit from certain portions of this Site.

Privacy Notice Coverage

This Privacy Notice covers our treatment of Personal Information that we collect from you when you visit the Site, create a user profile or account with HomeFunds or submit information to us via the Site, by telephone, email or other means, or through third parties that we work with to provide our Services. This Privacy Notice does not apply to the practices of companies we don’t own or control or people that we don’t manage.

HomeFunds Data Collection & Usage

HomeFunds gathers various types of information, including Personal Information, from Site users and customers, as explained in more detail below. We use this Personal Information internally in connection with our Services, including to personalize, provide, and improve our services, to allow you to set up a user account and profile, to contact you and allow other users to contact you, to fulfill your requests for certain products and services, and to analyze how you use the Services. Some Services, offers, or portions of our Site may only be accessible to you if you register with us. In certain cases, we may also share some Personal Information with third parties, as described below.

Information HomeFunds Collects On Users

If you access or submit an inquiry through our Site, set up an account, or subscribe to or apply for a Service, we may ask you to provide certain Personal Information such as contact information (name, email address, phone number, etc.), information about your property, insurance information, financial information and other personally identifiable information (“Personal Information”).

The Personal Information we collect from you directly is collected and processed with your consent and with a legitimate interest in collecting and processing the data (a) to provide you with our Services, (b) to fulfill a contract, or (c) to contact you for direct marketing purposes.

Account Information: When you register with HomeFunds we may collect Personal Information such as your name, email address, date of birth, and address of the subject property. We will also collect information about you and your property including your annual income, your spouse or property co-owner’s annual income, credit information, your home information and value, and the reason you are interested in our Services.

Prequalification Information: If we require additional information to pre-approve you for our Services, we may request additional information including tax returns, paystubs, stock and bond statements, information about alimony payments, retirement assets or income, child support obligations or income, rental property income, and other assets or sources of income. It is your choice to provide this information for the purpose of obtaining pre-approval. If you provide this information to us, you do so voluntarily.

Information We Collect by Phone: You are welcome to contact us at any time via the HomeFunds Customer Service telephone number. When you contact us by phone, we will ask you for information to confirm your identity. If you ask us to provide you with estimates and other information about our Services we will also collect information about your finances in order to fulfill that request. If you are in the process of obtaining pre-approval for our Services, we may request that you upload documents to our secure document system as described below under “Pre-Qualification Information.”

Information to Provide Our Services: Once you are prequalified for our Services, we will ask you for Personal Information that is necessary to proceed with your use of our Services including your mailing address, phone number, a copy of your driver’s license photo, proof of insurance, mortgage and escrow statements, banking and homeowner information.

Children Under Age 18: HomeFunds products and services are designed for adults, not children. As such, this Site is not intended for children under 18 years of age. HomeFunds does not knowingly collect or solicit Personal Information from anyone under the age of 18. No one under age 18 may provide any Personal Information to or on the Site. If you are under 18, do not use or provide any information on this Site or on or through any of its features/register on the Site, use any of the interactive or public comment features of this Site or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received Personal Information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at legal@homefunds.com.

We Collect some Data Automatically.

We may use Site analytics tools or other technologies to collect information about you from your use of this Site. This information may be combined with other information that you choose to submit to us. This information may also be merged into aggregate information about site visitors and traffic. We use third-party analytics tools to distinguish and analyze user behavior.

We will only automatically collect and process your Personal Information if we have a legitimate interest in collecting and processing the data (a) to analyze and improve the Site and our Services or (b) to contact you for our direct marketing purposes.

Log Files: When you visit our Site we collect anonymous and technical information from your computer, including your Internet Protocol address, data about your computer or other device, the type of browser or operating system your device uses, the programs, services, and version of software you use, and the address of any linking site, when you request a web page while visiting the Site. We use this information to customize content for you that we think you might like based on your usage patterns. We may also use it to improve our Services – for example, this information can tell us how often Site users use a particular feature of the Site or our Services, and we can use that knowledge to make the Services interesting to as many users as possible. If you do not agree with HomeFunds collecting and using your anonymous and technical information as described in this paragraph, you may discontinue use of this Site or contact us at hello@homefunds.com or call us at 424-300-9939.

Cookies: Cookies are small text files that are stored on your computer or equipment when you visit certain online pages. We use cookies to track use of our Sites and online services, and to recognize your browser or device and tell us how and when pages and features in our Services are visited and by how many people. We also use cookies and web beacons to store the Personal Information you choose to provide to us and to link it with information we collect about your use of the Sites. You can opt-out of accepting cookies by adjusting your browser settings to not accept cookies or to notify you when you are sent a cookie. However, certain features of our Sites or other services may not work if you delete or disable cookies. Please see our Cookie Notice for more information.

Do Not Track Signals: We may use cookies to collect information about your online activity after you leave our Services. Just like any other usage information we collect, this information allows us to improve the Services and customize your online experience, and otherwise as described in this Privacy Notice. Your browser may offer you a “Do Not Track” option, which allows you to signal to operators of sites and web applications and services (including behavioral advertising services) that you do not wish such operators to track certain of your online activities over time and/or across different sites. Our Services do not support Do Not Track requests at this time, which means that we collect information about your online activity both while you are using the Services and after you leave our Services. For information about Do Not Track, visit www.allaboutdnt.org.

Social Networking: If you access any of our Sites from a social networking site (e.g., Facebook, Instagram, LinkedIn or Twitter), or if you otherwise agree to associate your account with us with a social networking site, we may also receive Personal Information about you from such social networking site. Our receipt of your Personal Information via a social networking site is governed by the terms of use and Privacy Notice of the social networking site. We may retain this information with the information we collect from you directly.

HomeFunds Means of Contacting Site Users

By Email or Phone: We may use your contact information to communicate with you about your use of our Services. We will contact you by email or phone to facilitate the pre-approval process. If you provide us with your email address, we may send you promotional email offers on behalf of other businesses. We may receive a confirmation when you open an email from us. This confirmation helps us make our communications with you more interesting and improve our services.

Texting Consent: By providing us with your cellular phone number, you give us prior express consent to send you informational and transactional text (SMS) messages about our Services. You can reply STOP to stop receiving text messages from us at any time.

How HomeFunds Uses User Information?

In addition to the specific uses and purposes described above, we might use information that we collect about you or that you provide to us, including Personal Information:

  •       To protect your privacy and enforce this Privacy Notice;
  •       If we believe it is necessary to identify, contact or bring legal action against persons or    

       entities who may be causing injury to you, to HomeFunds or to others;

  •       To fulfill any other purpose for which you provide your information;
  •       To protect our rights and property;
  •       To comply with a law, regulation, legal process or court order; and
  •       For any other purpose with your consent.

Possession of a User’s Personal Information.

HomeFunds may at its discretion and abiding by appropriate law, share, sell, rent, or transfer your Personal Information as described in this section. Your Personal Information will be accessible to HomeFunds employees and its vendors and partners who are trained to comply with all legal requirements for handling Personal Information and assisting you in exercising your legal rights over your Personal Information. 

Disclosure of Your Information. HomeFunds may choose to disclose, sell, rent or transfer your Personal Information or other information, at our sole discretion:

  •       To Service Providers. Third-party vendors with which HomeFunds has contracted to provide services to us or to offer the Services you have requested from us (“Service Providers”) may have access to your Personal Information while they are carrying out these Services or afterwards. For example, we contract with various vendors to provide us with asset verification services, payment processing services, and automated valuation modeling services. HomeFunds requires all Service Providers to maintain commercially reasonable confidentiality standards that are to ensure the security of your Personal Information.
  •       To Affiliates. We may disclose some or all of your Personal Information with our parent company, subsidiaries, joint ventures, mortgage partners or other companies under common control or in partnership with us.
  •       As Aggregated Information. We may take technical and organizational measures to anonymize your Personal Information and combine it with other users’ information so that it does not directly identify you, and provide that information to our advertisers, business partners, and other third parties. This information may be used by those third parties for marketing, promotional, or statistical purposes. We do not limit the third parties’ use of the aggregated information. 
  •       For Legal and Other Compliance. We may disclose Personal Information when we believe it is appropriate to: (a) comply with the law, (b) enforce or apply this Privacy Notice, our own Terms of Service or our other policies or agreements, (c) protect our or our users’ rights, property or safety, (d) protect our users from fraudulent, abusive or unlawful use of our Site, or (e) if we reasonably believe that an emergency involving immediate danger of death or serious physical injury to any person requires disclosure of communications or justifies disclosure of records without delay.
  •       As Part of Business Transfers. We may choose to buy or sell assets. In these types of transactions, customer information is typically one of the business assets that would be transferred, which could occur without specific approval by or notice to you. Also, if HomeFunds or its assets are acquired, or if we go out of business, enter bankruptcy, or go through some other change of control, Personal Information could be one of the assets transferred to or acquired by a third party.

Personal Information Security

HomeFunds employs commercially appropriate and reasonable safeguards both online and offline to maintain the security, confidentiality, and integrity of your Personal Information. These safeguards include industry-standard encryption for all content delivery. All sensitive Personal Information we collect, such as tax returns and financial documents, is only accessible by critical operations personnel. Access to your Personal Information is restricted to employees who are trained in the proper handling of Personal Information.

Please note, however, that no transmission of data over the Internet is 100% secure. While we employ reasonable measures to protect your Personal Information, we cannot guarantee that unauthorized third parties will not defeat those measures or use nonpublic Personal Information for improper purposes. We are not responsible for circumvention of any privacy settings or security measures contained on the Site or for actions of third parties. The safety and security of your information also depends on you and you are responsible for keeping your password confidential. Also remember to log off your account and close your browser window when you have finished your visit. This is to ensure that others cannot access your account, especially if you are sharing a computer with someone else or are using a computer in a public place. All Internet users should take care with how they handle and disclose their Personal Information. Please refer to the Federal Trade Commission’s Site for information about how to help protect yourself against identity theft.

Third Party Sites & Advertising. This Privacy Notice applies only to information collected by HomeFunds. We may provide links to third party sites from our Site as a service to our users. Additionally, third party advertisers or ad networks may use cookies or other technologies on our Sites for various purposes, including measuring the effectiveness of their ads and analyzing and personalizing ads or other content delivered to you. We have no ability to control the privacy and data collection, use, and disclosure practices of such third party sites and the privacy policies of such sites may differ from our Site. We have no ability to control, and we are not responsible for, the privacy and data when you click on ads or links that take you to external sites. You will be subject to their privacy notices and practices and not ours. We encourage you to review and understand the privacy notices of such sites before providing them with any information.

Controlling Personal Information

Opting Out of Marketing. We want to communicate with you only if you want to hear from us. You have the right to object to our collection and use of your information at any time, or require us to review, transmit, change, or delete your information that we have collected and retained. We will fulfill your request to exercise any of these rights within thirty (30) days of receiving a complete request. You can exercise these rights, express concerns, or obtain additional information about the use of your Personal Information by contacting us by phone at 424-300-9939 or by email at hello@homefunds.com. Please be sure to provide your full name, email address, mailing address, and specifically what information you do not want to receive.

You may also opt-out of HomeFunds communications by clicking the unsubscribe link at the bottom of any email you receive from us. However, even if you have opted-out of receiving marketing communications from us, we may need to contact you to address questions or issues specific to the services you have requested. Please note that we may take up to five days to fulfill any requests to remove or update your contact information.

California Privacy Rights. California Civil Code Section § 1798.83 permits users of our Sites that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. If you are a California resident, you have the right to receive: a) information identifying any third party companies to whom we may have disclosed, within the past year, Personal Information pertaining to you and your family for that company’s direct marketing purposes; and b) a description of the categories of Personal Information disclosed. Please send us an email with the subject line “Request for California Privacy Information” at the above address to obtain such information.

Unauthorized Use. If you become aware of any unauthorized submission of information to HomeFunds including children’s information, please inform us by contacting us at the contact information listed below so that we may delete it.

Terms & Conditions. The Terms & Conditions of this Site and the HomeFunds Services govern all matters not set forth in this Privacy Notice. We encourage you to familiarize yourself with Terms of Use.

Changes to This Privacy Notice. We may occasionally make changes to this Privacy Notice to ensure its accuracy and as part of our ongoing effort to improve our Services. If we make changes, the revised notice will be posted on the Site and the date of the newest version will be listed. Please check back frequently, especially before you provide us with Personal Information, to determine the current scope of the notice. Please note that if you’ve opted not to receive legal notice emails from us (or you haven’t provided us with your email address), those legal notices and amended Privacy Notice terms posted here, will still govern your use of the Site and our Services, and you are still responsible for reading and understanding them. Use of information we collect now is subject to the Privacy Notice in effect at the time such information is collected.

Contact Information. If you have any further questions about our collection and use of your Personal Information, or if you wish to exercise any of your rights over your Personal Information or if you have any questions about this Privacy Notice, please contact us at:  424-300-9939 or email us at legal@homefunds.com

Last updated: 1/5/2021