Privacy Policy and Terms of Use

We Respect Your Privacy

At Home Qualified LLC , your privacy is a top priority for us and we are committed to protecting your privacy online. This Privacy Notice outlines the steps we’ve taken to ensure that you have a great experience at homequalified.com  and also provides details on how we treat any personal information you may submit to us.

This Privacy Notice applies to this website, homequalified.com  In addition, we may from time to time add new sites that may or may not be listed in this Privacy Notice. Please note that this Notice applies only to the information collected through this website and not to websites maintained by other companies or organizations to which we link. In addition, this Notice applies only to information collected online, not offline, and how they are being used, secured, and shared by homequalified.com . It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.

Information Collection and Use

We may collect and use personal information about you to respond to your request for products and services offered through this website for the purpose of matching you to providers who have paid marketing fees to receive inquiries. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you. The information we collect may be from the following sources:

  • Information provided by you in connection with obtaining quotes from providers for home purchase loans, home refinance loans, or home equity loans. For example, you may be asked to provide your full name, address, telephone number, Social Security Number, or other financial information depending upon your request.
  • Information provided by you in connection with obtaining a certain product or service offered by one of our network providers.
  • Information you provide us when you register to receive communications from us (such as your email address).
  • Information you provide us through telephone and web-based surveys, customer service correspondence, and general feedback.

 

We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we may receive information about you from other online or offline sources, including third parties from whom we validate consumer self-reported information, and verify the information we already have about you. This helps us to update, expand and analyze our records and provide products and services that may be of interest to you.

Examples of the types of personal information that may be obtained from third parties to validate the information we already have about you may include Credit band.

Information Sharing and Disclosure

We share your personal information with other companies so that they can market their products or services to you. If you do not want us to share your personal information with these companies, contact us at https://homequalified.com/contact/

 

Additionally, We share personal information about you under the following circumstances:

Loan Products or Service Requests – If you submit a request for information about a loan product or service offered through this website, we will share the personal information contained in your request form (such as your full name, address, telephone number, property location, self-assessed value, or Social Security Number) with third parties, which include banks, mortgage lenders and brokers, and lead aggregators (collectively, “Lender” or “Lenders”) in our client network to process and fulfill your request. In some circumstances, we may obtain additional information about you and/or share that information with Lenders in our network. For example, we may use your Social Security Number, your Year of Birth, or your personal information to validate your self-reported information and help us better match you with Lenders.

All Lenders in our network have entered into agreements with homequalified.com  and are required to comply with federal and state privacy regulations. By submitting your request to homequalified.com, you understand that Lenders may contact you on a recorded line by telephone or mobile device, including SMS and MMS, through automated or prerecorded means, email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. Your consent to be contacted is not required as a condition to purchase a good or service. If one of the Lenders contacts you and you wish not to be contacted again by that Lender with respect to your inquiry, then you should specifically make a request to that Lender not to contact you again. Please note that the Lenders may maintain the information you provided whether you elect to use their services.

 

Text Marketing Messages (SMS/MMS). If you opt-in to receive marketing and promotional text messages from Us, our affiliates, or third party advertisers, you may receive marketing and promotional text messages regarding financial services and products. By opting in to receive text messages, you acknowledge and agree to the terms and conditions provided in this policy, the homequalified.com Teprivacy policy..  We may use an automatic dialing system to deliver text messages to you. The Federal Communications Commission, (“FCC”), requires prior express written consent to send telemarketing messages using an automatic telephone dialing system. By your opt-in to receive promotional marketing text messages, you give your express written consent to us to use an automatic dialing system to deliver text messages, including SMS/MMS, to the telephone or cell phone number to which you have directed us to transmit these text messages. You may receive up to 5 message(s) per month for financial services products, related services, and other opportunities we think will be of interest to you. We do not charge you when you send a text to the shortcode 60107 or when you receive a response. However, message and data rates may apply depending on the wireless plan that you have with your carrier. You are responsible for managing the types of SMS texts you receive. You may elect to stop receiving marketing or promotional texts at any time by text messaging STOP. You consent that following such a request to unsubscribe, you may receive one (1) final message from us confirming that you have been inactivated in our system. Following such a confirmation message, no additional text messages will be sent unless you provide us your express written consent to receive messages.

Vendors – We sometimes disclose the information we collect to companies that operate various services for us such as marketing distribution, advertising, processing resumes, or certain product functionalities. These vendors only have access to personal information needed to perform their functions, and may not share it with others or use it for any other purpose.

Aggregate, Non-Directly Identifying Information. We may share aggregated information (i.e., information about you and other customers collectively, but not directly and specifically identifiable to you) and other pseudonymized personal information we collect with third parties, including affiliates to develop and deliver targeted advertising on our Site and on the websites of third parties. If you would prefer that we do not utilize cookies with your website experience or would prefer to restrict the use of cookies with network advertising providers, please see the “Offering You Choices” section below.

As Permitted by Law – – We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits, or similar legal processes. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of homeqaulified’s terms of use, or as otherwise required by law. We may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

Non-Affiliated Companies: From time to time, we may share your personal information with non-affiliated third parties. For example, we may share personal information to provide a product or service that we feel may be of interest to you. We may also sell or share your personal information with a third party advertiser that will use your personal information for their own marketing purposes.

How We Respond to “Do Not Track” Signals – Some web browsers provide a “Do Not Track” feature that sends a signal to websites you visit that you do not want to have your online activity tracked. We do not respond to Web Browser “Do Not Track” signals at this time.

Advertisements and Third Party Ad Servers

We engage with a third party to either display advertising on our Web site or to manage our advertising on other sites. For instance, when visiting a third party website, you may receive a banner advertisement, a “pop up” window advertising Homequalified.com, or a displayed a text link on the third party site. Please note that such advertisements are served by the third party website that you have visited and are not controlled by homequalified.com. In addition, such advertisements may be placed by third party ad servers or ad networks. Our third party providers may use technologies such as cookies and action tags to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests.

Tracking Technologies

Technologies such as cookies or similar technologies are used by homequalified.com  and our marketing providers, display advertising network providers, affiliates, and other campaign performance tracking and analytics service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site (including the capture of visual snapshots of your activity on our site) and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as an aggregated basis.

We generally use cookies to reduce the time it takes for pages to load on your computer, to assist with customer tracking, to store the traffic source or marketing campaign that explains how you reached our site and to deliver targeted advertising on our website, websites owned by our sister companies, or websites of third parties. In order to save you time and effort, we may also use cookies in several places on our website to pre-populate or automatically fill out web forms for you when you revisit our website.  Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

As is true of most web sites, we gather certain information automatically and store it in log files. The information we track may include such information as browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, IP address, and number of clicks. We may combine information that we obtain through the use of cookies and third party web analytics services with Personal Information, other aggregate or pseudonymized data, including a unique ID We may assign you.

Offering You Choices

Marketing Email Options – You may register to receive communications from us directly on our website or through a third party. Upon registering, we will periodically send you e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to https://homequalified.com/contact/ (You may also opt-out by clicking on the unsubscribe link in our emails).

Third Party Advertisers – Please note that homequalified.com  can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.

Confidentiality and Security

The security of your personal information is very important at homequalified.com and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who assist us in providing requested products and services to you and maintain physical, electronic, and procedural safeguards that comply with federal standards to guard personal information about Surveys

We may provide you the opportunity to participate in surveys on our site. If you participate, we will request certain personal information from you. Participation in these surveys is completely voluntary and you, therefore, have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code). We use this information for market research purposes and to improve our services. We will occasionally provide pseudonymized aggregated statistics about our users in reports to third parties. These reports will not identify individual users.

We may use a third party service provider to conduct these surveys; that company will be prohibited from using our users’ personal information for any other purpose.

Third Party Links

This Privacy Notice applies to all information that you provide to homequalified.com. However, when you visit websites to which homequalified.com  links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party′s privacy Notice. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy notices of any other service provider from whom you request services.

Social Media Features

Our Web site includes Social Media Features, such as the Facebook Like button. This Feature may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy notice of the company providing it.

A Special Note about Children’s Privacy

You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians. Please see our Terms of Use for more information.

Removing Your Information

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to request that we no longer use your information to provide you services or updates on additional products, contact us at  homequalified.com/contact

  Additionally, we will retain and use your information as necessary to comply with our legal or regulatory obligations, resolve disputes, and enforce our agreements.

Upon request, we will provide you with information about whether we hold any of your personal information. If your personal information changes, or if you no longer desire our service, you may update, amend, or ask to have it removed from our mailing lists or production directory by emailing Customer Care, or by contacting us by telephone or postal mail at the contact information listed below. We will respond to your request within 30 calendar days.

Questions and Suggestions

If you have any questions, concerns, or suggestions about our Privacy Notice, you may contact us:

By sending an email to: homequalified.com/contact