Privacy Policy

This Privacy Policy describes how Home Refi Match collects, uses, and shares information when you use our service. Some business details referenced below (legal entity name, contact details, retention periods, and SMS support) are shown as “to be supplied” where they have not yet been confirmed. This policy is not legal advice and should be reviewed by a qualified attorney before it is relied on as final.

Home Refi Match is a digital marketplace connecting homeowners with participating refinance lenders, not a lender. Home Refi Match is a digital marketplace connecting homeowners with participating refinance lenders, not a lender. We do not run credit, provide rate quotes, approve loans, or negotiate loan terms. Participating lenders determine loan eligibility, rates, fees, and approval, and may separately request authorization to obtain a credit report. Availability varies, and a match is not guaranteed.

The legal entity that operates this service is [Legal entity name to be supplied]. We operate digitally and do not maintain a storefront. The brand name “Home Refi Match” is a marketing name and may differ from the legal entity name. A mailing address, if applicable, is [Business address to be supplied — we operate digitally].

When you use our service, we collect:

• Contact information: first name, last name, email address, and phone number.
• Refinance inquiry information: refinance goal, property type, occupancy, property state and ZIP code, estimated current home value, approximate outstanding mortgage balance, current interest rate (or “I'm not sure”), estimated cash-out amount (if applicable), and self-reported credit score range.
• Consent and selections: your sharing authorization, any optional marketing consent, and whether your submission was a matched request or a waitlist entry, with a timestamp and disclosure version.
• Technical information: page URL, browser/user agent, and an analytics session identifier.

We do not request your Social Security number, account numbers, banking credentials, or uploaded financial documents, and we do not access your credit report. Financial estimates are requested only to help identify participating lenders and are not used to approve a loan or produce an actual rate quote.

• To identify participating refinance lenders that may serve your area.
• To share your contact information and refinance inquiry with the participating lenders we identify for your area, only after you authorize us to do so.
• To record your consent and selections as evidence of your authorization.
• To record your waitlist entry when matching is not yet available in your area, so we can notify you when it becomes available.
• To respond to your questions and requests.
• To send marketing calls or texts only if you separately and voluntarily consent.

We share your contact information and refinance inquiry details only with the participating refinance lenders we identify for your area (up to five), and only after you authorize sharing. We do not add or substitute additional recipients after you consent, and we do not share your inquiry with other lenders, affiliates, or third parties beyond the disclosed and authorized scope. The actual names of matched participating lenders are shown to you before you authorize sharing.

If matching is not available in your area, your waitlist entry (contact information and refinance goals) is stored so we can notify you when matching becomes available. We do not distribute your waitlist information to any lender without your separate authorization.

We use a managed database service (Cloud) to durably store your inquiry, consent record, and contact information, and a third-party CRM/form-tracking provider to record and route submissions when lead routing is enabled. These providers process information on our behalf and are contractually limited to acting on our instructions. Access to stored consumer information is restricted to authorized personnel. Until lead routing is enabled, your inquiry is stored durably but is not transmitted to any lender.

• You decide whether to authorize sharing your inquiry with the matched lenders. You are not required to authorize sharing to view the matched lender information.
• Marketing consent is optional and is not a condition of using our service or purchasing any goods or services. You can decline it and still submit your inquiry.
• You may withdraw marketing consent at any time by replying STOP to any text message or by contacting us at [Privacy contact email to be supplied].
• You may request access to, correction of, or deletion of your information by contacting [Privacy contact email to be supplied].

We retain your inquiry, consent record, and contact information for as long as needed to fulfill the purpose for which it was collected and to maintain evidence of your consent, consistent with applicable legal requirements. The specific retention period is to be supplied and reviewed by counsel.

If you are a California resident, you have additional rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act:

• The right to know what personal information we collect and how it is used.
• The right to access and delete your personal information.
• The right to correct inaccurate personal information.
• The right to opt out of the “sale” or “sharing” of your personal information, where applicable.
• The right not to receive discriminatory treatment for exercising these rights.

We share your contact information and refinance inquiry with the participating lenders we identify for your area, only after you authorize sharing. Whether that sharing constitutes a “sale” or “sharing” under California law depends on the actual data and any compensation arrangements. We do not make a blanket claim that your information is never “sold” or “shared” under California law without evaluating the actual arrangement. When the applicable characterization is determined, we will provide the corresponding opt-out mechanism here. To exercise your California privacy rights, contact us at [Privacy contact email to be supplied].

Our service is not directed to individuals under 18, and we do not knowingly collect information from them.

We may update this Privacy Policy from time to time. We will revise the “Last updated” date above and, where required, notify you of material changes.

For privacy questions or requests, contact us at [Privacy contact email to be supplied]. For general questions, email [Contact email to be supplied].