Privacy Policy

1. Information We Collect

When you submit an application through HomeWealthIQ Partners, we collect the following categories of personal information:

• Full name, email address, and phone number
• Property address, estimated home value, and estimated mortgage balance
• Property type and occupancy status
• Social Security Number (SSN), when required for Home Equity Agreement processing
• IP address, browser user agent, and device information collected automatically

2. How We Use Your Information

We use the information we collect to:

• Process and route your Home Equity Agreement application
• Match your application with qualified HEA capital providers
• Measure the performance of a Platform Partner’s marketing, where that partner has enabled an advertising pixel and the visitor has agreed to it
• Communicate with you about the status of your application
• Verify your identity and property information
• Comply with legal and regulatory obligations
• Improve the platform and prevent fraud

3. How We Share Your Information

We share your personal information only as necessary to process your application:

• HEA Capital Providers: Your application data is shared with qualified Home Equity Agreement capital providers for underwriting and processing purposes.
• Platform Partners: The Platform Partner through whom you submitted your application may receive limited, non-sensitive status updates.
• Service Providers: We use third-party services for email delivery, document storage, and infrastructure hosting, all bound by data protection agreements.
• Legal Requirements: We may disclose information when required by law, regulation, or legal process.

We do not sell your personal information to third parties.

4. Data Security

We implement industry-standard security measures to protect your personal information. All personally identifiable information (PII) is encrypted at rest using AES-256 encryption. Data in transit is protected using TLS 1.2 or higher. Access to personal data is restricted to authorized personnel through role-based access controls (RBAC). We maintain audit logs of all data access and conduct regular security reviews.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, including processing your application and complying with legal, accounting, and regulatory requirements. Application data is retained for a minimum of seven (7) years from the date of submission, in accordance with financial recordkeeping obligations. You may request earlier deletion subject to our legal retention requirements.

6. Your Rights

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal retention requirements.
• Portability: Request your data in a structured, machine-readable format.
• Opt-Out: Opt out of non-essential communications at any time.

To exercise any of these rights, you can submit a data rights request online or contact us at the address below. We will respond to verified requests within 30 days.

7. Cookies and Tracking

HomeWealthIQ Partners uses essential cookies required for authentication and session management. We use referral tracking parameters to attribute applications to the correct Platform Partner.

Advertising pixels on Platform Partner pages. A Platform Partner may enable a Meta (Facebook) advertising pixel on their co-branded page. Where one is enabled and you agree to it, Meta receives your IP address, browser and device information, the address of the page you visited, and the fact of your visit, and may set or read cookies in your browser. That information goes to Meta as an independent recipient, and we are responsible for the collection that happens on our pages.

Where a pixel is enabled, one of two things happens, and the page tells you which at the time. Either no pixel loads until you agree — declining loads nothing and transmits nothing — or the pixel loads when the page loads and you are told, with a control to turn it off. In both cases, turning tracking off is honoured on that page and on later visits: we do not resume tracking someone who has asked us to stop.

Your choice is stored in your browser, so clearing site storage will cause you to be asked again. Pages with no pixel configured load no advertising technology at all and ask you nothing.

What these pages do not do. Our co-branded Home Equity Agreement pages ask you for no personal information. They explain the product and hand you off to the originating platform, which operates its own application and its own privacy practices. The personal information we collect directly through forms is from businesses registering as Platform Partners or Business Development Consultants, described in section 1.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through the platform or via email. Your continued use of the platform after changes are posted constitutes acceptance of the revised policy.

9. Contact Information

If you have questions about this Privacy Policy or wish to exercise your data rights, please contact us:

Barastone
Email: [email protected]