Privacy Policy

1.Overview

HELOC.VIP ("HELOC.VIP," "we," "us," or "our") operates the website located at heloc.vip (the "Site") and related communications, including phone calls, website chat, and text messages (collectively, the "Services"). HELOC.VIP is a home equity information service. We give homeowners a free equity report for their property, and a member of our team can call to walk through it. HELOC.VIP is not a lender and does not make loans. If, after seeing your report, you ask us to, we will introduce you to one licensed HELOC professional whom we name to you first. We don't share your information until you ask us to.

This Privacy Policy explains what information we collect, how we use and share it, and the choices available to you — including how to opt out of text messages. By using the Site or providing your information to us through a phone call, web form, chat, or text message, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Services or provide your information to us.

2.Information We Collect

We collect information that you voluntarily provide to us and information generated through your interactions with our Services, including:

We do not require you to provide your Social Security number, bank account numbers, or other highly sensitive financial identifiers to use our Services. If you later ask to be introduced to a licensed HELOC professional and choose to apply with them, that professional will collect any application information directly under its own privacy policy.

3.How We Collect Information

We collect information through the following channels:

• Website forms and chat: When you request an equity report through the form on the Site or chat with our website assistant.
• Phone calls: When you call our listed number or when one of our representatives or automated systems calls you after you request contact.
• Text messages (SMS): When you check the optional SMS consent box on our form and later reply to our texts. See Section 5.
• Automated technologies: Cookies, pixels, and similar technologies used on the Site (see Section 8, "Cookies & Analytics").
• Property data providers: To prepare your report, we look up public-record and estimated-value data about the property address you give us. We do not buy or receive consumer contact lists or leads from third parties.

4.How We Use Your Information

We use the information we collect to:

• Prepare and deliver your free equity report;
• Call you, or text you if you checked the SMS consent box, about your report and to schedule a call at a time that suits you;
• Introduce you to one named licensed HELOC professional, only if you ask us to after seeing your report;
• Operate, maintain, and improve the Site and our chat and call systems;
• Respond to your questions and provide customer support;
• Detect, investigate, and prevent fraud, abuse, or security incidents;
• Comply with applicable laws, regulations, and legal process; and
• Analyze aggregate usage trends to improve our marketing and services.

We do not use your financial information for any purpose unrelated to your equity report, or to an introduction you have asked for, without your consent.

5.SMS / Text Messaging Terms

HELOC.VIP sends text messages only to people who request an equity report on heloc.vip and check the SMS consent box on the form. The box is unchecked by default, and checking it is optional: you get your report whether or not you check it. Providing a phone number without checking the box does not sign you up for texts.

The consent box reads: "Yes, HELOC.VIP may send me SMS text messages about my equity report, including appointment reminders and status updates (up to 5 msgs/month). Consent is not a condition of purchase. Msg & data rates may apply. Reply STOP to cancel, HELP for help."

Our texts come from HELOC.VIP only and are limited to your equity report: letting you know it has been sent, confirming or rescheduling a call with our team, and replying when you text us. We do not send marketing or promotional texts, and texts never contain offers from lenders or other third parties.

Consent to receive text messages is not a condition of receiving your report or of any purchase. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. This excludes only the SMS and telephony providers that deliver our messages on our behalf.

6.How We Share Your Information

We do not sell your personal information to third parties. We share information only as described below and as necessary to provide the Services you requested:

• An introduction you ask for: Only if, after receiving your report, you expressly ask us to introduce you to a licensed HELOC professional, and only after we have told you that professional's name, we share your name, contact details and report with that one professional so they can contact you. We never share your mobile number for texting, or your SMS consent, as part of an introduction.
• Service providers: We use vetted vendors that support our operations, such as SMS/telephony providers, customer relationship management (CRM) platforms, website hosting, and analytics providers, who process data on our behalf under confidentiality obligations.
• Legal and safety reasons: We may disclose information if required by law, subpoena, or other legal process, or when we believe disclosure is necessary to protect the rights, property, or safety of HELOC.VIP, our users, or the public.
• Business transfers: If HELOC.VIP is involved in a merger, acquisition, financing, or sale of assets, your information may be transferred as part of that transaction, subject to standard confidentiality protections.

If you ask for an introduction, the professional you are introduced to will handle your information under its own privacy policy, which we encourage you to review before applying with them.

7.Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction. These measures include encrypted data transmission (TLS/SSL) on our Site, restricted internal access to personal data, and the use of reputable third-party service providers with their own security controls.

No method of transmission or storage is 100% secure. While we work hard to protect your information, we cannot guarantee its absolute security, and you provide information to us at your own risk.

8.Cookies & Analytics

Our Site uses cookies and similar technologies to support basic functionality and to understand how visitors use the Site. Specifically:

• We use Google Analytics 4 (GA4) to collect aggregated, anonymized-where-possible usage statistics, such as pages visited, time on site, and general geographic region (based on IP address).
• We use the Meta pixel and the OpenAI (ChatGPT ads) pixel to measure how many visitors who arrive from our ads go on to request a report. These pixels record page views and that a report was requested; we do not send them your name, email address, phone number or property address.
• We do not sell cookie-derived data to data brokers.
• You can control or disable cookies through your browser settings. Disabling cookies may affect certain Site features but will not prevent you from contacting us by phone.

9.California Residents (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act ("CCPA"), grants you certain rights regarding your personal information, including the right to:

• Know what personal information we have collected, used, and disclosed about you in the preceding 12 months;
• Request deletion of personal information we have collected from you, subject to certain exceptions;
• Correct inaccurate personal information;
• Opt out of the "sale" or "sharing" of personal information (we do not sell personal information; you can block the ad measurement pixels described in Section 8 through your browser settings or by contacting us); and
• Not be discriminated against for exercising your privacy rights.

To exercise any of these rights, contact us using the information in Section 14 ("Contact Us"). We will verify your request using information associated with your account or prior interactions with us before responding. You may also designate an authorized agent to make a request on your behalf, subject to verification.

10.Children's Privacy

Our Services are directed to adults and are not intended for, marketed to, or directed at children under the age of 18. We do not knowingly collect personal information from anyone under 18 years of age. If we learn that we have collected personal information from a person under 18, we will delete that information promptly. If you believe a minor has provided us with personal information, please contact us using the details in Section 14.

11.Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including to provide the Services, comply with legal and regulatory obligations (including telemarketing and SMS consent recordkeeping requirements), resolve disputes, and enforce our agreements. When information is no longer needed, we take reasonable steps to securely delete or anonymize it.

12.Your Choices & Rights

• Text messages: Reply STOP to any text to opt out at any time; reply HELP for assistance.
• Phone calls: You may ask to be placed on our internal do-not-call list at any time by informing a representative or contacting us directly.
• Email: You may unsubscribe from marketing emails using the unsubscribe link included in those messages.
• Access/deletion: You may request access to or deletion of your personal information by contacting us as described in Section 14, subject to applicable legal exceptions (for example, records we must retain for compliance purposes).

13.Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. When we make material changes, we will revise the "Last updated" date at the top of this page. Your continued use of the Services after any update constitutes your acceptance of the revised Privacy Policy. We encourage you to review this page periodically.

14.Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: