PRIVACY POLICY

Home Buying Club Corporation DBA Home Buying Ready™ (“Home Buying Ready,” “Company,” “we,” “us,” or “our”) respects your privacy and is committed to handling personal information responsibly.

This Privacy Policy explains how we may collect, use, disclose, retain, and protect personal information when you visit our websites or landing pages, register for programs, complete assessments or forms, purchase products or services, communicate with us, or otherwise interact with Home Buying Ready.

1. CONTACT INFORMATION

Home Buying Club Corporation DBA Home Buying Ready™
13201 Northwest Freeway, Suite 615
Houston, Texas 77040
Email: Support@HomeBuyingReady.com

2. INFORMATION WE MAY COLLECT

Depending upon how you interact with us and the services you request, we may collect information such as:

Personal and Contact Information

• Name
• Email address
• Telephone number
• Mailing address
• City, state, and ZIP code

Home-Buying Readiness Information

• Current housing or rental information
• Desired home-purchase timeframe
• Estimated home-purchase goals
• Income ranges
• Savings information
• Debt information
• Employment-related information
• General financial-readiness information

Credit-Related Information

When voluntarily provided or when necessary to perform an authorized credit-related service, we may process information concerning:

• Credit scores
• Credit reports
• Credit accounts
• Payment history
• Credit utilization
• Credit inquiries
• Derogatory credit information
• Other information reasonably necessary to provide an authorized credit-related service

Additional authorizations or agreements may apply before we obtain or process certain credit information.

Transaction Information

When you purchase a program or service, transaction information may be processed by us and/or our payment providers. Payment card information may be processed directly by third-party payment processors. We do not represent that we directly store complete payment-card numbers unless our actual payment systems do so.

Website and Device Information

When you use our websites or landing pages, certain information may be collected automatically, including:

• IP address
• Browser type
• Device information
• Pages viewed
• Referring website
• Date and time of visits
• Cookie identifiers
• Website interaction information

3. HOW WE COLLECT INFORMATION

Information may be collected:

• Directly from you;
• Through registration and checkout forms;
• Through home-buying readiness assessments;
• Through consultations;
• Through email, telephone, SMS, or other communications;
• Through cookies and similar technologies;
• Through service providers acting on our behalf;
• From credit-related sources when you have provided appropriate authorization; and
• From third parties where permitted by law.

4. HOW WE USE PERSONAL INFORMATION

We may use information to:

• Provide requested products and services;
• Register consumers for events and programs;
• Evaluate home-buying readiness;
• Create educational or action plans;
• Provide authorized credit-related services;
• Process payments;
• Schedule consultations;
• Provide customer support;
• Send program and event communications;
• Respond to questions;
• Improve our programs and websites;
• Maintain business and transaction records;
• Prevent fraud and protect our systems;
• Comply with applicable legal obligations; and
• Send marketing communications where permitted.

We seek to collect and use information reasonably related to the purposes for which it was obtained.

5. CREDIT AND FINANCIAL INFORMATION

Certain Home Buying Ready services may involve financial or credit-related information. Such information will be used for the purpose for which it was collected or authorized, such as providing credit education, evaluating home-buying readiness, developing an action plan, or performing an authorized service. Access to sensitive information should be limited to individuals and service providers with a legitimate business need for access.

6. HOW WE MAY DISCLOSE INFORMATION

We may disclose personal information to service providers or other parties as reasonably necessary to operate our business and provide requested services. Categories may include:

• Website and hosting providers
• Customer relationship management providers
• Payment processors
• Email and communications providers
• Technology providers
• Credit-related service providers
• Mortgage or lending professionals when authorized or requested
• Real estate professionals when authorized or requested
• Professional advisors
• Government or regulatory authorities when legally required
• Other service providers necessary to fulfill a consumer’s request

We may also disclose information in connection with a merger, acquisition, financing, sale, reorganization, or transfer of all or part of our business, subject to applicable law.

7. SALE OF PERSONAL INFORMATION

Home Buying Ready does not intend to sell personal information for monetary consideration as part of its ordinary business model. Certain privacy laws define “sale” more broadly than an exchange for money and may treat some advertising or technology-related disclosures differently. Where applicable law provides a right to opt out of a sale, targeted advertising, or qualifying profiling, we will honor properly submitted requests as required by law.

8. COOKIES AND SIMILAR TECHNOLOGIES

Our websites and third-party platforms used to operate our business may use cookies, pixels, analytics technologies, or similar tools. These technologies may be used to:

• Operate websites;
• Remember preferences;
• Understand website usage;
• Measure marketing effectiveness;
• Improve services; and
• Deliver advertising where applicable.

Your browser or device may allow you to limit or block certain cookies.

9. EMAIL AND MARKETING COMMUNICATIONS

If you subscribe to or consent to receive promotional email communications, you may unsubscribe using the unsubscribe instructions contained in applicable marketing emails. We may continue to send non-promotional communications reasonably necessary to provide services, process transactions, communicate about registrations, or administer an existing customer relationship.

10. SMS/TEXT MESSAGING

If Home Buying Ready offers SMS communications, applicable consent language and messaging terms should be presented when consumers enroll. Where required, consumers may withdraw consent to marketing text messages through the method identified in the applicable SMS program. Consent to marketing text messages is not a condition of purchase where prohibited by law.

11. DATA SECURITY

We use reasonable administrative, technical, and organizational measures designed to protect personal information against unauthorized access, disclosure, alteration, misuse, or destruction. However, no internet transmission, electronic storage system, or security procedure can guarantee absolute security. Consumers should also protect passwords, devices, and account credentials under their control.

12. DATA RETENTION

We may retain personal information for as long as reasonably necessary to:

• Provide services;
• Maintain customer and transaction records;
• Fulfill contractual obligations;
• Resolve disputes;
• Prevent fraud;
• Enforce agreements; and
• Satisfy applicable legal, accounting, tax, regulatory, or compliance requirements.

When information is no longer reasonably necessary, we may delete, destroy, or deidentify it consistent with applicable requirements.

13. YOUR PRIVACY RIGHTS

Depending on your state of residence and applicable law, you may have rights concerning your personal information, including the right to:

• Confirm whether we process your personal information;
• Request access to certain personal information;
• Correct inaccuracies;
• Request deletion of qualifying personal information;
• Obtain a portable copy of qualifying information;
• Opt out of certain sales of personal information;
• Opt out of certain targeted advertising;
• Opt out of certain qualifying profiling activities; and
• Appeal certain decisions regarding a privacy request.

These rights may be subject to legal exceptions.

14. TEXAS PRIVACY RIGHTS

Texas residents may have rights under the Texas Data Privacy and Security Act and other applicable laws. Where the law applies, qualifying consumers may request access, correction, deletion, portability, and applicable opt-outs. Home Buying Ready will not unlawfully discriminate against a consumer for exercising an applicable privacy right.

15. HOW TO SUBMIT A PRIVACY REQUEST

To submit a privacy request, contact: Support@HomeBuyingReady.com

Use the subject line: PRIVACY REQUEST – HOME BUYING READY

Please identify the nature of your request and provide sufficient information for us to reasonably verify your identity and locate the relevant information. We may request additional information when reasonably necessary to verify a request and protect personal information from unauthorized disclosure.

16. PRIVACY REQUEST APPEALS

Where applicable law provides an appeal right, you may appeal a decision concerning your privacy request by emailing: Support@HomeBuyingReady.com

Use the subject line: PRIVACY APPEAL – HOME BUYING READY

Include sufficient information to identify the original request and explain the basis for your appeal.

17. THIRD-PARTY WEBSITES AND SERVICES

Our websites may link to or integrate with third-party websites, platforms, payment providers, mortgage providers, real estate professionals, or other services. Their privacy practices are governed by their own policies. We encourage consumers to review the privacy policies of third parties before providing personal information directly to them.

18. CHILDREN’S PRIVACY

Home Buying Ready’s services are intended for adults seeking home-buying, financial, credit, or related educational services and are not directed toward children under 13. We do not knowingly seek to collect personal information from children under 13 through services directed to them. If we learn that information was collected from a child in circumstances requiring deletion or parental authorization, we will take appropriate action consistent with applicable law.

19. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy as our services, technology, data practices, or legal obligations change. The updated policy will display a revised effective or “last updated” date. When required by applicable law, we will provide additional notice or obtain consent before materially changing how previously collected personal information is used.

20. CONTACT US

Questions, concerns, or privacy requests may be submitted to:

Home Buying Club Corporation DBA Home Buying Ready™
13201 Northwest Freeway, Suite 615
Houston, Texas 77040
Email: Support@HomeBuyingReady.com

Privacy Request Subject: PRIVACY REQUEST – HOME BUYING READY