Privacy Policy

Last Updated: December 22, 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 licensed reverse mortgage specialists
  • 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:

  • Licensed Reverse Mortgage Lenders: To provide you with quotes and assistance
  • Service Providers: Email delivery (Resend), analytics (Google Analytics, PostHog), phone verification (Twilio)
  • Lead Certification: TrustedForm by ActiveProspect for lead quality verification
  • Marketing Partners: Approved lead distribution networks and affiliated service providers

We NEVER sell your information to third parties outside our lending network.

4. TCPA Consent

By providing your phone number and checking the TCPA consent box, you agree to receive telemarketing calls and text messages from us and our partners. 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

California Privacy Rights (CCPA)

Effective Date: January 1, 2020 | Last Updated: December 22, 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 licensed lenders in our network
  • To send you your personalized results via email
  • To comply with legal obligations

Sale of Personal Information

Important for California Residents:

When we share your information with lenders through our lead distribution partners, this may be considered a "sale" under CCPA. We receive compensation when qualified leads are shared with licensed lenders in our network.

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, disclosed, and sold in the past 12 months.

Right to Delete

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

Right to Opt-Out

Opt out of the "sale" of your personal information to third parties.

Non-Discrimination

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

How to Exercise Your Rights

How to Opt-Out of Sale

  1. Do not submit the contact form on our site, OR
  2. Email donotsell@equityaccesscenter.com with subject line "Do Not Sell My Information"
  3. Submit a Do Not Contact request

Response Timeline

  • • Acknowledgment within 10 business days
  • • Verified response within 45 days
  • • Opt-out requests processed within 15 business days

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