Privacy policy

Who we are

earnedequityprogram.com is an independent educational resource about the Earned Equity Program. It is not affiliated with, endorsed by, or sponsored by Arrive Home, TRHEEA, the FHA, or HUD. In this policy, "we" means the team that runs this site. If you have a question, write to hello@earnedequityprogram.com.

What you give us in a form

We only ask for what we need to answer you:

• Contact form: your name, email, phone (if you choose to give it), whether you are a buyer, loan officer, agent, or lender, your message, and the language and page you used.
• "Am I home ready?": if you send the form after the quiz, your answers go with your message so a loan officer can help you faster. They can include your immigration status, how you are paid, your savings, and past bankruptcies or foreclosures.
• Professional sections: your name, email, and your NMLS number, real estate license number, or company EIN.
• Your permission to be contacted: the date and the version of the text you agreed to.

What we measure when you visit

We count visits with our own simple system. We do not use Google Analytics, advertising cookies, or trackers from other companies.

• For each page view we save the page, the language, the date, the website that sent you (only its name, like google.com or chatgpt.com), and the campaign tags in the link, if there are any.
• To count visitors without knowing who they are, we use an anonymous code that changes every day. We do not save your IP address.
• When you send a form, we save where that visit came from (for example, a search engine, an AI answer, or one of our links), so we know which sources help people.
• To stop spam, we keep a scrambled fingerprint (not your IP address) for up to one day.

Cookies and browser storage

We use a few cookies of our own. None are for advertising, and none are shared with other companies:

• eep_ses: remembers where your current visit came from. It lasts 30 minutes.
• eep_src: if you arrived through one of our links, remembers which one. It lasts 30 days.
• eep_pro: remembers that you opened a professional section, so we do not ask for your details again. It lasts 180 days.
• eep_persona (browser storage, not a cookie): remembers your answer to "Who are you?" so the window does not show up again.

The team that edits the site uses separate sign-in cookies. You can block or delete cookies in your browser: the site still works, and professional sections will ask for your details again.

How we use your information

• To answer your request and put you in touch with a loan officer certified in the Earned Equity Program.
• To check that your email address can receive mail, so we can reach you.
• To learn which pages and sources help people, and to improve the site.
• To protect the site from spam and abuse.

We do not sell your personal information, and we do not share it for other companies’ advertising.

Who receives it

• A loan officer certified in the Earned Equity Program, to follow up on your request.
• Companies that run the site for us: Vercel (hosting), Supabase (database), Google Workspace (the email that tells our team about your request), and Hunter.io (checks that an email address exists; it only receives the email address). They use the information only to provide their service.
• Authorities, when the law requires it.

The site and its database run on servers in the United States.

How long we keep it

We keep contact information while we work on your request and for as long as we need it for our records or the law. Visit counts do not identify you. We make a backup every day and keep it for 30 days, and a weekly backup copy goes to our team’s email account.

If you ask us to delete your information, we remove it from the site. Copies in backups are removed as each backup is replaced or deleted.

What you can ask us

• To tell you what information we have about you, to correct it, or to delete it. Write to hello@earnedequityprogram.com; we answer within 45 days.
• To stop contacting you, at any time: tell the person who contacts you, or write to us.
• If you live in California, you have the right to know, correct, and delete your personal information, and not to be treated differently for using these rights. We do not sell or share personal information as California law defines those words.
• Because we do not follow you across other websites, the site works the same whether or not your browser sends a "Do Not Track" or Global Privacy Control signal.

Security

We use a secure connection (HTTPS), limits on how many forms can be sent and how many times someone can try to sign in, and access only for our team. No system is perfect, so please do not send sensitive information, like your Social Security number, through the forms.

Children

This site is for adults who are looking into buying a home or who work in real estate or lending. It is not meant for children under 16, and we do not knowingly collect their information.

Changes to this policy

If we change this policy, we will update the date at the top of this page.

Contact us

Questions or requests about your information: hello@earnedequityprogram.com.