Privacy Policy

Last Updated: January 24, 2025

1. Information We Collect

When you use our reverse mortgage calculator and contact form, we collect:

  • Personal Information: Name, email address, phone number, ZIP code
  • Property Information: Home value, mortgage balance, property type
  • Financial Information: Age, income range, credit situation (general)
  • Technical Information: IP address, browser type, device information
  • Consent Records: TCPA consent timestamp, text version, and IP address

2. How We Use Your Information

We use your information to:

  • Calculate your estimated reverse mortgage proceeds
  • Connect you with a licensed reverse mortgage specialist
  • Send you your personalized results via email
  • Comply with legal obligations and maintain consent records
  • Improve our services and user experience

3. Information Sharing

We share your information with:

  • Your Matched Specialist: One licensed reverse mortgage professional who will guide you through the process
  • Service Providers: Email delivery (Resend), analytics (Google Analytics, PostHog), phone verification (Twilio)
  • Lead Certification: TrustedForm for consent verification and your protection

We do NOT sell your information to multiple lenders or lead buyers. You work with ONE dedicated specialist.

4. TCPA Consent

By providing your phone number and checking the TCPA consent box, you agree to receive calls and text messages from Equity Access Center and your matched specialist. You may revoke this consent at any time by:

  • Emailing: unsubscribe@equityaccesscenter.com
  • SMS: Reply "STOP" to any text message
  • Online: Submit a request at our Do Not Contact page

5. Your Rights

You have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your information (subject to legal obligations)
  • Opt out of marketing communications
  • Withdraw consent for phone/SMS contact at any time

California Privacy Rights (CCPA)

Effective Date: January 1, 2020 | Last Updated: January 24, 2025

If you are a California resident, the California Consumer Privacy Act (CCPA) gives you specific rights regarding your personal information. This section applies only to California residents.

Categories of Information We Collect

  • Identifiers: Name, email, phone number, ZIP code, IP address
  • Financial Data: Home value, mortgage balance, income range, credit profile
  • Demographic Data: Age, marital status
  • Internet Activity: Quiz responses, website interactions

How We Use This Information

  • To calculate reverse mortgage eligibility estimates
  • To connect you with a licensed specialist from our team
  • To send you your personalized results via email
  • To comply with legal obligations

Sale of Personal Information

Important for California Residents:

We do NOT sell your personal information to third parties. When you submit your information, we match you with ONE licensed specialist from our team—not multiple lenders or lead buyers. Under CCPA, this exclusive matching service is NOT considered a "sale."

Your California Privacy Rights

As a California resident, you have the right to:

Right to Know

Request disclosure of what personal information we collected, used, and disclosed in the past 12 months.

Right to Delete

Request deletion of your personal information (subject to legal exceptions).

Right to Correct

Request correction of inaccurate personal information.

Non-Discrimination

We will not discriminate against you for exercising your CCPA rights.

How to Exercise Your Rights

Response Timeline

  • • Acknowledgment within 10 business days
  • • Verified response within 45 days
  • • Extension notice if needed (up to 90 days total)

Verification Process

To protect your privacy, we may verify your identity by confirming information you previously provided (email, phone, ZIP code).

Authorized Agent

California residents may designate an authorized agent to submit requests on their behalf with written authorization.

Non-California Residents: While CCPA specifically applies to California residents, we extend similar privacy rights to all users.

6. Data Security

We use industry-standard security measures including encryption, secure databases (Supabase), and regular security audits to protect your information.

7. Cookies and Tracking

We use cookies and similar technologies for:

  • Session management
  • Analytics (Google Analytics, Facebook Pixel, PostHog)
  • Lead source tracking

8. Third-Party Services

  • TrustedForm: Lead certification and consent verification
  • Twilio: Phone number verification
  • NeverBounce: Email validation
  • Google Analytics: Website analytics
  • Facebook Pixel: Advertising tracking
  • PostHog: Product analytics

9. Children's Privacy

Our services are not intended for individuals under 18 years of age.

10. Changes to This Policy

We may update this Privacy Policy periodically. The date at the top reflects the latest revision.

11. Contact Us

  • Email: privacy@equityaccesscenter.com
  • Mail: Equity Access Center, Privacy Department