1. Who We Are
This Privacy Policy explains how Home Buyer Hub, a service of Insurely LLC ("Home Buyer Hub," "we," "us," or "our"), collects, uses, and shares information when you visit homebuyerhuboffers.com (the "Site") or complete our homebuyer questionnaire.
- Operator: Insurely LLC, doing business as Home Buyer Hub
- Mailing address: REPLACE-MAILING-ADDRESS
- Email: REPLACE-CONTACT-EMAIL
Home Buyer Hub is a marketing and referral service. We are not a lender or mortgage broker, we do not make loans or credit decisions, and we do not take loan applications. The lenders, brokers, and loan officers in our partner network ("Partners") are independent businesses, each licensed and responsible for its own products and practices. Once a Partner receives your information, that Partner's own privacy notice also applies to how it uses your information.
2. Information We Collect
2.1 What you tell us in the questionnaire
| Category | What we ask |
|---|---|
| Your home purchase | Where you are in the home-buying process, your timeline, whether you are a first-time buyer, the property type and how you plan to use it, the city or ZIP code where you want to buy, whether you are working with a real estate agent, your estimated purchase price, and your down payment range |
| Your financial picture (ranges only) | Your self-reported credit range, your employment type, and your household income range |
| Military service | Whether you have served in the U.S. military, used to tell you whether VA loan programs may be worth discussing |
| Contact details | First and last name, email address, and phone number |
| Your consent record | The consent language you agreed to when you submitted, including consent to calls and text messages |
Your credit range, income range, and military service answers are sensitive financial information, and we treat them that way: they are shared only with the Partners who respond to your inquiry and are never sent to advertising platforms.
2.2 What we do not ask for
We do not ask for your Social Security number, your date of birth, or your street address, and we do not ask for bank or account numbers. We do not pull your credit through this Site, so completing the questionnaire does not affect your credit score. Submitting the questionnaire is a request to be contacted; it is not a loan application. If you later decide to apply for a loan with a Partner, that Partner will collect application information separately and will ask for your authorization before obtaining a credit report.
2.3 Information collected automatically
When you visit the Site, we and the service providers listed in Section 7 automatically receive technical information such as your IP address, approximate location derived from it, browser and device type, the pages you view, the site or ad that referred you, and a record of how you interacted with the questionnaire page (including the TrustedForm session replay described in Section 7).
2.4 Information from others
Our advertising platforms may tell us which ad or search led you to the Site. Our email and phone validation provider tells us whether the email address and phone number you entered appear to be valid.
3. How We Use Your Information
- To match your inquiry with one or more Partners who serve the area where you want to buy, and to send your answers and contact details to them so they can contact you
- So that Home Buyer Hub and its Partners can call you, and text you, about your inquiry and related mortgage products and services
- To keep a record of your consent to be contacted and of any request to stop contact
- To check that the email address and phone number you entered are valid, and to prevent fraud and spam submissions
- To measure how well our advertising works (see Section 7)
- To comply with legal obligations
Your information is not used to train artificial intelligence models.
5. Text Messages
When you click the button that submits the questionnaire, you agree to receive text messages as described in the consent language shown above the button. Your consent is not a condition of obtaining a loan or buying any property, goods, or services, and you can stop texts at any time by replying STOP.
- What is sent: texts from Home Buyer Hub and the Partner loan officer(s) matched to your request about your home loan inquiry, such as follow-ups and appointment scheduling, and information about related mortgage products and services.
- Frequency: Message frequency varies.
- Cost: Message and data rates may apply.
- To stop: Reply STOP (or CANCEL, END, QUIT, UNSUBSCRIBE, or REVOKE) to any text. You may receive one final text confirming that you have opted out.
- For help: Reply HELP, or email us at REPLACE-CONTACT-EMAIL.
Mobile information is never shared with third parties or affiliates for marketing or promotional purposes.
Text messaging originator opt-in data and consent are excluded from all of the information-sharing categories in this policy and will not be shared with any third parties, other than the Partner matched to your request, solely so it can send the texts you asked for.
The terms of the text-message program are in our Terms of Use.
6. Calls & Do Not Call
When you click the button that submits the questionnaire, you agree that Home Buyer Hub and its partners and affiliates, including mortgage lenders, brokers, and loan officers in its network, may call you about your home loan inquiry and related mortgage products and services, as described in our Terms of Use. Your consent is not a condition of obtaining a loan or buying any property, goods, or services.
- Revoking consent: You can revoke your consent to calls or texts at any time by any reasonable means, such as telling the caller, replying STOP to a text, emailing REPLACE-CONTACT-EMAIL, or writing to us at the address in Section 15. We will stop our own contact and pass your request to the Partners who received your inquiry. Requests are honored as soon as practicable and within 10 business days. You can also tell any Partner directly to stop contacting you.
- Do Not Call: We keep an internal Do Not Call list and honor your request for ten years, and we require our Partners to keep their own.
- Calling hours: Calls and texts are made only between 8:00 a.m. and 8:00 p.m. in your local time.
After you opt out of marketing contact, a Partner may still contact you about a loan application you have started with it when the law requires or allows it.
7. Cookies, Tags & Tracking Tools
These are the tools that run on this Site, what each one does, and what information it receives:
| Tool | Purpose | Data it receives |
|---|---|---|
| Browser session storage | Keeps your place in the questionnaire and personalizes the thank-you page | Stays in your browser tab and is cleared when you close it; it is not a tracking cookie |
| Netlify | Website hosting and delivery | Server logs: IP address, browser and device type, pages requested, and time of the request |
| Google Maps Platform | Suggests cities and ZIP codes as you type | The characters you type in the city or ZIP field, IP address, and browser information |
| Google Fonts | Displays the Site's fonts | IP address and browser information when the fonts load |
| AbstractAPI | Checks that your email address and phone number are valid | The email address and phone number you enter |
| ActiveProspect TrustedForm | Creates a certificate that documents your consent to be contacted, as evidence of that consent | Date and time, IP address, browser and device information, the page address, the consent language you were shown, and a session replay of your interactions with the page (such as clicks, taps, scrolling, and entries in form fields) |
| Zapier | Delivers your inquiry to our CRM and to the Partners matched to your request | Your questionnaire answers, contact details, and consent record |
| Our CRM | Stores your inquiry and routes it to Partners | Your questionnaire answers, contact details, consent record, and opt-out status |
| Meta Pixel (Meta Platforms, Inc.) | Measures our advertising and helps show our ads to people who have visited the Site | Cookie and device identifiers, IP address, browser information, page address, and these events only: a page view and a completed inquiry (on the thank-you page) |
| Google Ads tag (Google LLC) | Measures our advertising | Cookie identifiers, IP address, browser information, page views, and one conversion when the thank-you page loads |
The Meta Pixel and the Google Ads tag never receive your questionnaire answers, your name, your email address, or your phone number. Meta's automatic button-click capture is turned off on this Site, so the text of the answer buttons you tap is not sent to Meta.
Global Privacy Control
If your browser sends a Global Privacy Control (GPC) signal, our pages do not load the Meta Pixel or the Google Ads tag, and we treat the signal as a request to opt out of the sale or sharing of your personal information and of targeted advertising.
Do Not Track
Some browsers offer a "Do Not Track" setting. Because there is no common standard for how websites should respond to it, we do not respond to Do Not Track signals. We honor Global Privacy Control instead, as described above.
Other choices
You can block or delete cookies in your browser settings, and you can limit ad personalization in Meta's Ad Preferences and Google's My Ad Center. You can also ask us to opt you out as described in Section 11.
8. Security
We use reasonable administrative, technical, and physical safeguards designed to protect your personal information, including encrypted connections (HTTPS) and access controls. No website, internet transmission, or storage system is completely secure, so we cannot guarantee absolute security. If you believe your information has been compromised, please email us at REPLACE-CONTACT-EMAIL.
9. Retention
We keep your information for as long as needed to deliver your inquiry, document your consent, and meet our legal obligations. We keep records of your consent to be contacted, and of any request to stop contact, for as long as needed to document them. When we no longer need information, we delete it or de-identify it.
10. Your Privacy Rights
Depending on where you live, you may have the right to:
- Access: find out what personal information we have about you and get a copy
- Correct: ask us to correct inaccurate information
- Delete: ask us to delete your information, subject to the records the law requires us to keep
- Opt out: opt out of the sale or sharing of your personal information and of targeted advertising. We share your inquiry with Partners only at your direction (Section 4); our advertising tags are described in Section 7.
These rights come from state consumer privacy laws, including those of California, Colorado, Connecticut, Oregon, Texas, Virginia, New Jersey, and other states. Some of these laws exempt information covered by the Gramm-Leach-Bliley Act, or exempt financial institutions entirely, and some apply only to larger businesses, so not every right applies to every request. We will review each request in good faith and tell you if an exemption applies. We honor opt-out requests and Global Privacy Control signals from every visitor, wherever you live.
How to submit a request
- Email us at REPLACE-CONTACT-EMAIL
- Write to us at Home Buyer Hub (a service of Insurely LLC), Attn: Privacy Requests, REPLACE-MAILING-ADDRESS
We will ask for information to verify your identity, such as the name, email address, and phone number you used on the Site. We generally respond within 45 days. If we need more time, we will tell you why and may extend that period as the law allows. There is no charge for a request, and we will not treat you differently for making one.
Authorized agent
You may use an authorized agent to make a request for you. We may ask the agent for proof that you authorized them, and we may ask you to verify your identity directly with us.
Appeals
If we decline to act on your request, in whole or in part, you may appeal our decision. Email or write to us using the details above and say that you are appealing a privacy request decision. We will respond in writing within the time your state's law allows (generally 45 to 60 days) and explain what we decided and why. If you disagree with the outcome of your appeal, you may contact your state Attorney General's office to submit a complaint.
11. California Privacy Rights & Do Not Sell or Share
Do not sell or share my personal information
When you submit the questionnaire, you direct us to disclose your information to the Partners who will contact you, and we may be compensated by them. We do not otherwise sell your personal information. Our use of the Meta Pixel and the Google Ads tag (Section 7) may be considered "sharing" for cross-context behavioral advertising, or "targeted advertising," under some state laws. To opt out:
- Turn on Global Privacy Control in your browser. Our pages then do not load either tag.
- Or email us at REPLACE-CONTACT-EMAIL or write to us at the address in Section 15 and ask us to opt you out.
California residents
The California Consumer Privacy Act, as amended by the California Privacy Rights Act, gives California residents the rights described in Section 10, plus the right to know the categories of personal information we collect, the sources, our purposes, and the categories of recipients, and the right not to be discriminated against for exercising these rights. We do not use or disclose sensitive personal information for any purpose that would give you a right to limit it under California law.
Relationship to federal financial privacy law
Personal information collected, processed, or disclosed under the Gramm-Leach-Bliley Act is exempt from certain CCPA requirements, and a Partner's GLBA privacy notice applies to information it holds as a financial institution. Information collected through cookies and tags on this Site for advertising and analytics is not covered by that exemption, and the rights above, including the right to opt out of sharing, apply to it.
Notice at collection
In the past 12 months we have collected these categories of personal information: identifiers (name, email address, phone number, IP address, and cookie identifiers); characteristics of protected classifications (military or veteran status); commercial information (home purchase details such as buying stage, timeline, property type and use, estimated purchase price, and down payment range); financial and employment information in self-reported ranges (credit range, household income range, and employment type); internet activity (pages viewed, referring source, and interactions with the questionnaire page); general geolocation (the city or ZIP code you enter and approximate location from your IP address); and inferences about loan programs that may fit you. We collect it from you, from your device, and from the service providers in Section 7, for the purposes in Section 3, and we keep it as described in Section 9. At your direction, identifiers, commercial information, financial and employment ranges, military status, and geolocation are disclosed to the Partners who contact you (Section 4). Identifiers and internet activity are shared with Meta and Google as described in Section 7, unless you opt out.
Shine the Light
California Civil Code Section 1798.83 lets California residents ask about disclosures of personal information to third parties for their own direct marketing. When you submit the questionnaire, we disclose your information to the Partners matched to your request so they can contact you about your home loan inquiry, which may include marketing their mortgage products and services to you. You may email us at REPLACE-CONTACT-EMAIL to ask for a list of the categories of personal information disclosed and the Partners who received it in the preceding calendar year.
12. Children
This Site is not directed to anyone under 18, and we do not knowingly collect personal information from anyone under 18. If you believe someone under 18 has submitted information to us, please email us at REPLACE-CONTACT-EMAIL and we will delete it.
13. Third-Party Links
This Site links to websites we do not control, such as NMLS Consumer Access, and our Partners operate their own websites and services. Their privacy practices are governed by their own policies, not this one.
14. Changes to This Policy
We may update this Policy from time to time. We will post the updated Policy on this page and change the "Last Updated" date above. If we make a material change to how we use or share personal information you have already given us, we will ask for your consent where the law requires it.
15. Contact Us
- Home Buyer Hub (a service of Insurely LLC)
- REPLACE-MAILING-ADDRESS
- Email: REPLACE-CONTACT-EMAIL
- Website: homebuyerhuboffers.com