Privacy Policy

1. About this policy

HomePurchaseReady ("we", "us", "our") provides an educational website and online assessment that helps U.S. home buyers understand whether mortgage pre-approval should be their next step. We are not a lender, bank, or financial advisor. This website is intended for U.S. residents.

We are committed to protecting your privacy and handling your personal information responsibly, in line with applicable U.S. federal and state privacy laws. This policy explains what information we collect, how we use it, and the choices available to you.

2. Information we collect

Depending on how you use our website, we may collect:

• Name and business name (for registered loan officers and business partners)
• Contact details, such as your email address and mobile phone number
• Service areas and enquiry preferences (for participating mortgage professionals and business partners)
• Responses you provide in our 60-second assessment (for example, general information about your savings, income type, timeline, and buying stage)
• Messages you send us through our contact form
• Website usage information, including device and browser information, IP address, and pages visited
• Form submissions
• Information generated by cookies and analytics tools described below

We do not ask for or collect sensitive financial account numbers, passwords, or government identifiers through the assessment, and we do not perform credit checks.

3. How we collect it

We collect personal information directly from you when you complete the assessment, submit the contact form, or otherwise interact with our website. We also collect information automatically through cookies, pixels, and analytics tools as you browse the site, including where you arrive from an advertisement.

4. Cookies

Our website uses cookies and similar technologies to remember your preferences, understand how the site is used, and measure the effectiveness of our content and advertising. You can control or disable cookies through your browser settings; however, some parts of the website may not function as intended if cookies are disabled.

5. Analytics

We use analytics tools to understand how visitors use our website — for example, which pages are viewed, how long visitors stay, and which device types are used. This information helps us improve the content and usability of the site. Analytics data is generally aggregated and does not identify you personally.

6. Meta Pixel

We use the Meta Pixel (from Meta Platforms, Inc.) on our website. This tool allows us to measure the effectiveness of our advertising on Facebook and Instagram, understand the actions people take on our site after viewing an ad, and build audiences for future advertising. The Meta Pixel may collect information such as your IP address, browser details, and the pages you visit. You can learn more about how Meta handles this information, and manage your ad preferences, through your Meta account settings.

7. Google Analytics

We use Google Analytics to help us understand website traffic and usage patterns. Google Analytics uses cookies to collect standard internet log information and visitor behaviour information in an anonymous form. You can opt out of Google Analytics tracking by installing the Google Analytics opt-out browser add-on, available from Google.

8. How we use your information

We use the information we collect to:

• Provide you with your assessment result
• Match consumers with participating loan officers
• Deliver new home buyer enquiry notifications to participating mortgage professionals and business partners
• Respond to enquiries submitted through our contact form
• Communicate with you regarding your account
• Where you consent, connect you with a licensed mortgage broker
• Improve our website, content, and services, and the accuracy of our assessment
• Measure and improve the performance of our advertising, including on Meta platforms
• Detect and prevent fraud and abuse
• Meet our legal and regulatory obligations

We do not sell your personal information.

9. Sharing information with mortgage brokers

If your assessment result suggests that speaking with a mortgage broker could be a useful next step, and you choose to proceed, we may share your name, contact details, and a summary of your assessment responses with a licensed, independent mortgage broker so that they can contact you. We will only do this with your consent, and you're always free to decline. We do not sell your personal information to third parties.

10. SMS communications

Home Purchase Ready may send transactional SMS messages to participating mortgage professionals who have expressly opted in to receive them. Consent to receive SMS notifications is collected during registration or account setup on our platform — it is never assumed, collected by default, or required to apply for or purchase services from us.

SMS messages may relate to:

• New home buyer enquiry notifications
• Account notifications
• Operational updates

These messages are transactional in nature and are not promotional marketing messages. Message frequency may vary, and standard message and data rates may apply depending on the recipient's mobile carrier.

Recipients may reply STOP to opt out at any time, or HELP for assistance. Home Purchase Ready may continue sending necessary account and enquiry-related communications by email after an SMS opt-out.

Mobile information and SMS opt-in consent will not be sold, rented, or shared with third parties for their own marketing or promotional purposes. Mobile information and consent data may be shared only with service providers that help Home Purchase Ready deliver and operate its messaging service, such as telecommunications providers and messaging technology vendors.

We retain records of SMS consent for compliance purposes.

Mobile phone numbers are collected in order to:

• Deliver new home buyer enquiry notifications to participating mortgage professionals
• Send account-related notifications, where consent has been provided
• Contact consumers who request follow-up as part of the assessment process

Mobile phone numbers are not collected or used for third-party marketing.

Full details of our SMS program are set out in our SMS Terms & Conditions.

11. Email communication

If you provide your email address, we may send you your assessment result, respond to your enquiry, or, where you've agreed to receive them, occasional educational content about the home-buying process. Every email we send includes a way to unsubscribe or opt out of future communications.

12. Security

We take reasonable technical and organizational steps to protect the personal information we hold from misuse, interference, loss, unauthorized access, modification, or disclosure. However, no method of transmission or storage over the internet is completely secure, and we cannot guarantee absolute security.

13. Your rights

Depending on where you live, applicable U.S. privacy laws (such as the California Consumer Privacy Act and similar state laws) may give you the right to:

• Ask what personal information we hold about you
• Request access to, or a copy of, that information
• Ask us to correct information that is inaccurate or out of date
• Request deletion of your personal information, subject to certain exceptions
• Withdraw consent to marketing communications or being connected with a broker
• Opt out of the sale or sharing of personal information, where applicable (we do not sell your personal information)
• Not be discriminated against for exercising any of these rights

To exercise any of these rights, please contact us using the details below. We will respond within the timeframe required by applicable law. If you have concerns about how we've handled your personal information, you may also contact your state Attorney General's office or the Federal Trade Commission (FTC).

14. Service providers

Some of the technology providers we use (such as analytics, advertising, and cloud hosting services) may store or process information on servers located in different locations within the United States, or in some cases outside the United States. Where this occurs, we take reasonable steps to ensure your information continues to be handled in a manner consistent with this policy.

15. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The date at the top of this page shows when it was last updated. We encourage you to review this page periodically.

16. Contact us

If you have a question about this Privacy Policy or how we handle your personal information, please contact us:

• Via our contact form
• Email: karl@homepurchaseready.com