Terms & Policies

Updated 3-12-09

Privacy Policy and Terms

• HomeownerHope.org does not offer legal advice
• HomeownerHope does not offer advice on real estate or mortgage financing
• The purpose of HomeownerHope to offer a consumer who is having trouble with their current mortgage payment to learn whether they MAY qualify for government assistance with their home mortgage
• The intent of HomeownerHope is to offer consumers information and tools, so consumers may help themselves with a loan modification request
• HomeownerHope is not a mortgage lender or a real estate entity

Limitations of Liability and Disclaimers

The information and material included in or available through HomeownerHope may not be complete, and may include inaccuracies or errors, and may also be modified, discontinued or deleted from time to time without notice. Advice, information, products, services or other materials received through HomeownerHope should not be relied upon for personal, medical, legal, business, financial or other decisions and is not intended to replace the advice of appropriate and qualified professionals. You acknowledge that You should consult an appropriate professional for specific advice tailored to Your situation.

Acceptance of terms

HomeownerHope and Consumer Mortgage Advocate are committed to protecting your privacy. This spells out our current privacy practices with regard to the information we collect when you interact with our website. By accessing HomeownerHope and Consumer Mortgage Advocate (HomeownerHope.org and ConsumerMortgageAdvocate.org) you acknowledge and understand this Privacy Statement and consent to the information collection and use practices described here.

Information We Collect and How We Use It

HomeownerHope and Consumer Mortgage Advocate collects information from and about its users three ways: from our host's Web server logs, the user, and with cookies.

Web Server Logs: When you visit our Website, we may track information to administer the site and analyze its usage. Examples include: Day & time you visited, your IP address, your Internet Service Provider, the state or country from which you accessed us, the type of browser or computer you use, how many links you click within the site, Web page you came from and the pages you viewed.

Cookies: We may use cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you.

HomeownerHope and Consumer Mortgage Advocate reserve the right to share aggregated site statistics with partner companies; we do not allow other companies to place cookies on our website.

You may choose to accept or decline cookies. Most Web browsers automatically default to accept them, but you can usually modify your browser setting to decline cookies. If you reject cookies by changing your browser settings then be aware that this may disable some of the functionality on our Website.

User's Personal Information: Visitors to our website may be able to register to attend events, make a purchase or download information. When you register, you will provide personal information such as name, address, email, telephone number or facsimile number and other relevant information.

We will not disclose personally identifiable information we collect from you to third parties without your permission except to the extent necessary including: To fulfill your requests, to protect ourselves from liability, in response to a legal process or if our company changes hands.

Accessing Web Account Information

We will provide you with the means to ensure that personally identifiable information in your web account file is correct and current. You may review this information by contacting us with your request.

Contact Us

If you have questions regarding this Privacy Statement, please send us an email or send via US Mail to:

HomeownerHope.org
PO Box 24624
Ventura CA 93002

We will use reasonable efforts to promptly respond and resolve any problem or question.

Changes to this Policy Statement

HomeownerHope and Consumer Mortgage Advocate may occasionally update this privacy statement. When we do, we will also revise the "updated" date at the top of this Privacy page. You should periodically review this privacy statement to stay informed about how we are protecting the information we collect. Your continued use of the service constitutes your agreement to this privacy statement and any updates.