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Privacy Policy

Privacy Policy

Last updated:   July 1st, 2021

The Home Buying Hub (“us”, “we”, or “our”) operates http://www.thehomebuyinghub.com (the “Site”). This page informs you of our policies regarding the collection, use and disclosure of Personal Information we receive from users of the Site.

We use your Personal Information only for providing and improving the Site. By using the Site, you agree to the collection and use of information in accordance with this policy.

INFORMATION WE COLLECT AND HOW WE COLLECT IT 

The following describes the categories of personal information we collect and how we collect such information. 

Information You Provide. We collect information you provide to us directly.  This includes information you provide when you (i) receive any free or purchase any paid programs, products, courses or services from us (each, a “Product”), (ii) sign up to receive any emails, (iii) comment on any posts or otherwise communicate with us on any social media platform, (iv) register for presentations or classes, (v) fill out any forms, (vi) access public or private membership groups, including those hosted via a third-party platform (i.e., Facebook), (vii) contact us through any other means, including via an online form, phone call, or email (collectively, the “Actions”).   

Examples of data we may receive include your first name, last name, telephone number, email address, shipping address, physical address (such as your address, state, province, ZIP/postal code and city), billing address, billing information (such as your credit card number), gender, account name, financial information, Social Security Number, Tax Identification Number, Employer Identification Number, and other information you provide to us through survey responses, feedback, reviews and other means of communication. 

Information Collected Automatically.  We collect some data automatically when you visit or use our website or open or respond to our emails.  For example, we may automatically collect information when you open or respond to our emails, make a choice with respect to communications we send to you, visit any page that displays our content, provide information to our service providers or purchase or return a Product. 

Information from Third Party Sites.  We collect some data when you connect with us, comment on or like our posts or otherwise interact with us on any social media platform, or when you access public or private membership groups hosted on a third party platform (i.e., Facebook).  Examples of data we may receive include your profile information, profile picture, social media information, social media handles or nicknames, name, purchase history, email address, device identifiers and demographic information. 

Information from Internet or Other Electronic Network Activity.  We automatically collect some data about your computer or mobile device when you access our website.   Examples of data we may receive include your Internet Protocol (“IP”) address, browser type, browser version, cookies from your browser, unique device identifiers, web browser software (i.e., Google Chrome), information about the referring website, the date, time and length of your visit, including the specific pages you visit, information on how you interact with the website, Products and tools and other diagnostic data.  Examples of additional data we may receive when you access our website through a mobile device include the type of mobile device you are using, the unique mobile device ID, your mobile operating system, web browser software on mobile, unique device identifiers and other diagnostic data. 

PURPOSES FOR COLLECTING INFORMATION 

We use your information for business and commercial purposes.  For example, we may use your information to:

  • Validate and authenticate your profile when logging into a public or private membership group or other account or when purchasing a Product. 
  • Analyze interactions with you to improve quality. 
  • Identify your product preferences and shopping preferences. 
  • Secure our website and data. 
  • Create Products that you are interested in. 
  • Ship or otherwise deliver, process payment for, communicate about, and track orders of any Products. 
  • Suggest Products you may like based on past purchases and otherwise personalize your experience with the website. 
  • Provide promotional and marketing communications and information if you elect to receive it, including email marketing. 
  • Improve the design, functionality and ease-of-use of our website and Products. 
  • Respond to any inquiries, reviews or other feedback you submit to us. 
  • Provide customer service. 
  • Conduct research to improve our business processes. 
  • Administer affiliate programs. 
  • Administer contests, sweepstakes, surveys or promotions. 
  • Administer any business needs related to your purchase of any Products. 
  • Detect security incidents and protect against, stop, resolve and prevent any fraud and fraudulent transactions and any malicious, deceptive or illegal activity. 
  • Comply with all applicable law. 
  • Respond to legal and regulatory inquiries and assist law enforcement. 


THIRD PARTIES WE SHARE INFORMATION WITH 

The following is a list of third parties that we may share your information with or for. 

Affiliate Partners.  We may share your information with affiliate partners to generate traffic or leads or for other business purposes. 

Analytics Providers.  We may share your information with analytics providers. 

Google Analytics 

Google Analytics is a web analytics service by Google that uses data for analytics and measurements to understand how websites are used.  Google Analytics primarily uses cookies to study user interactions.  To learn about the privacy practices of Google Analytics, please review their privacy policy, which can be found at:  https://policies.google.com/privacy?hl=en-US.   

Business Transfers.  If we are acquired by a third party as a result of a transfer, sale, merger, acquisition, reorganization, liquidation, consolidation, merger or sale of some or all of our Company, your personal information may be a transferred asset.  We may also share personal information to prospective purchasers to diligence the proposed transaction. 

Cloud Service Providers.  We may share your information with cloud service providers. 

Customer Analysis Providers.  We may share your information with customer analysis providers, such as those used to analyze visitors clicks and navigation around the website. 

Customer Service Providers.  We may share your information with customer service providers. 

Delivery Partners.  We may share your information with delivery partners, such as those we use to ship or otherwise deliver any Products. 

Email Marketing and Advertising Providers.  We may share your information with marketing and advertising providers, including email marketing and campaign providers, marketing software providers, direct mail providers, marketing analytics providers and sales funnel providers.  We may share your information with email marketing service providers, in order to send you emails, newsletters, promotional materials, marketing materials or other information. 

ConvertKit 

ConvertKit is an email marketing provider operated by ConvertKit LLC.  To learn about the privacy practices of ConvertKit, please review their privacy policy, which can be found at: https://convertkit.com/privacy.  

Fraud Prevention Partners.  We may share your information with fraud prevention partners. 

Fulfillment Partners.  We may share your information with fulfillment partners, such as those we use to fulfill any Products. 

Government Agencies.  We may share your information with government agencies, courts, regulators and law enforcement in the event we are required to comply with applicable laws and regulations or a legally binding process, or in response to subpoenas, warrants, government inquiries or investigations, and court orders.  We may also share your information (i) to establish, exercise, protect or enforce our legal rights and the legal rights of our agents, employees and affiliates, (ii) to defend against a legal claim, (iii) to protect you, us or third parties against injury, interference, fraud or harm or (iv) to take action related to violations of our policies, including this Privacy Policy and our Terms & Conditions, or potentially illegal activities.   

Other Service Providers.  We may share your information with service providers. 

Invisible ReCAPTCHA 

Invisible ReCAPTCHA is a tool offered by Google that serves as a security measure to help protect websites against spam and other variations of automated abuse.  The tool works by collecting hardware and software information (i.e. device data, application data).  This information is then sent to Google for analysis for security purposes and for improving the tool.  This information will not be used for personalized advertising. By accessing this website, you understand and acknowledge that we have implemented the Invisible ReCAPTCHA tool, and that your use is subject to the Google Privacy Policy (which can be found at: https://policies.google.com/privacy) and the Google Terms of Use (which can be found at: https://policies.google.com/terms). 

Payment Processors.  We may share your information with payment processors, such as those we use to collect and process payment for any Products you purchase. 

Public Forum.  Our website may allow you to leave a post, comment or review on the website.  If you choose to submit that information on a public forum, that information will be available to the public and we may elect to share your post, comment or review outside of the website. 

Technology Service Providers.  We may share your information with technology service providers. 

Third Parties.  We may share your information with third parties whom we have contractual relationships with, such as auditors, consultants, lawyers, and other professionals who rely on the data to provide us with professional services. 

Third Party Partners.  We may share your information with third parties we have partnered with to jointly create or offer a product, service or joint promotion. 

WE DO NOT SELL YOUR PERSONAL INFORMATION 

We do not sell, rent or trade your personal information to any third parties, as we value your privacy.  We also do not “sell” your personal information as defined by the California Consumer Privacy Act. 

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive.

Like many sites, we use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

NOTICE ABOUT THE GENERAL DATA PROTECTION REGULATION (GDPR NOTICE) 

The information in this section, under the subheading “Notice About the General Data Protection Regulation”, applies to individuals covered by the General Data Protection Regulation (“GDPR”).  References to “you” and “your” in this section refer only to those covered by GDPR.  GDPR, which took effect on May 25, 2018, provides privacy rights for those inside the European Economic Area.   For the purposes of this section, “personal information” refers to any information relating to an individual which can be directly or indirectly used to identify such individual.  Examples include first name and last name, email address, identification number, information about location, ethnicity, gender, biometric data, web cookies, and religious or political beliefs. 

Legal basis for processing information.  We may process personal information under the following conditions: (i) we have received your consent to process your personal information for one or more specific purposes, (ii) processing of your personal information is necessary to perform a contract to which you are a party to, or in order to take steps at your request prior to entering into a contract, (iii) processing of your personal information is necessary to comply with a legal obligation we are subject to, (iv) processing of your personal information is necessary in order to protect the vital interests of you or another natural person, (v) processing of your personal information is necessary to perform a task carried out in the public interest or to exercise an official authority vested in us; (vi) processing of your personal information is necessary for the purposes of the legitimate interests pursued by us or a third party, except in certain circumstances where the need for the information is overridden by the need to protect the subject of the personal information (such as when the subject of the personal information is a child). 

We are happy to let you know which legal basis applies to the processing of your personal information. 

You have certain rights you can exercise under the GDPR, including the following.   Please note that this summary is merely provided for your convenience, but we do not warrant the accuracy or exhaustiveness of this summary nor should you rely on this as an accurate or exhaustive list of your rights. 

  • Right to Access.  You have the right to learn whether or not your personal information is being processed. If it is being processed, you have the right to access the personal information, and to learn certain information about your personal information, including: (i) why it is being processed, (ii) the categories of personal information we collected, (iii) the recipients or categories of recipients to whom we have or will disclose the personal information to, (iv) if possible, the amount of time we will store the personal information, or if not possible, the criteria we use to determine such period and (v) available information about the sources for personal information we collected. 
  • Right to Correction.  You have the right to correct any inaccurate personal information about yourself.  You also have the right to complete any incomplete personal information collected, including through providing an additional statement. 
  • Right to Be Forgotten. You have the right to ask us to erase your personal information, which we will do without undue delay under certain circumstances.   Examples may include: (i) where the personal information is no longer necessary for the purposes for which it was collected, (ii) where you withdraw consent on the basis of which we processed your personal information, and there is no legal ground for processing such personal information, (iii) where you invoke your right to object (described below) and there are no overriding grounds for processing such personal information, (iv) where your personal information has been unlawfully processed and (v) where the personal information has to be erased to comply with a legal obligation. 
  • Right to Restrict Processing. You have the right to restrict the processing of your personal information under certain circumstances.  Examples may include: (i) where you indicate the inaccuracy of your personal information, (ii) where the processing is unlawful but you would like the processing of your personal information to be restricted as opposed to erased, (iii) where we no longer need the personal information for processing, but you would like it restricted for a legal basis, and (iv) where you invoke your right to object (described below). 
  • Notification of Recipients of Personal Information.  If you exercise your Right to Rectification, Right to Be Forgotten or Right to Restrict Processing (each as described above), we will convey that to each recipient we have shared your personal information with.  You have the right to request we provide you with a list of all recipients we have notified. 
  • Right to Data Portability. You have the right to request your personal information in a structured, commonly used and machine-readable format.   
  • Right to Object. You have the right to object to the processing of your personal information under certain circumstances.  Examples may include: (i) where the personal information is being processed on grounds relating to your personal situation, where the legal grounds for processing such personal information falls under categories (v) and (vi) as described in the sub-section titled “Legal basis for processing information” and (ii) where the personal information is processed for direct marketing purposes. 
  • Right to Lodge a Complaint.  You have the right to lodge a complaint with a supervisory authority. For more information, please contact your local data protection authority. 
  • Right to Be Informed About International Transfers.  You have the right to be informed about the international transfer of your personal information and safeguards in place.  Please read the section of this Privacy Policy titled “International Data, Transfers and Processing”. 
  • Right To Object to Profiling.  We may use automated decision-making in operating our website.  You have the right not to be subjected to any decisions arising from automated processing, including profiling, which produces legal effects concerning you or similarly significantly affects you. 

To exercise any of your rights, please contact us using the contact details provided below.  We are required to verify the identity of anyone who makes any request. 

NOTICE TO CALIFORNIA RESIDENTS (CCPA NOTICE) 

The information in this section, under the subheading “Notice to California Residents”, applies to residents of California.  References to “you” and “your” in this section refer only to residents of California.  The California Consumer Protection Act (“CCPA”), which took effect on January 1, 2020, provides privacy rights for residents of California.   Please refer to the referenced sections in this Privacy Policy for details on the following, which you have a right to know under the CCPA: 

  • To review information on the categories of personal information and the categories of sources from which we collect, use, store and share personal information, read the section of this Privacy Policy titled “Information We Collect and How We Collect It”. 
  • To review information on the business or commercial purposes for which we collect information, read the section of this Privacy Policy titled “Purposes for Collecting Information”. 
  • To review information on the categories of third parties we share personal information, read the section of this Privacy Policy titled “Third Parties We Share Information With”. 

As a California resident, you have certain rights you can exercise under the CCPA, including the following.  Please note that this summary is merely provided for your convenience, but we do not warrant the accuracy or exhaustiveness of this summary nor should you rely on this as an accurate or exhaustive list of your rights. 

  • Right to Know. You have the right to obtain from us certain information about our collection of your personal information over the past 12 month period, including: (i) the categories of personal information we collected, (ii) the specific pieces of your personal information we collected, (iii) the categories of sources for the personal information we collected, (iv) our business or commercial purpose for collecting or selling that personal information, (v) the categories of third parties with whom we share that personal information, and (vi) if we sold or disclosed your personal information, then (a) a list disclosing the categories of personal information involved in sales and the categories of third parties to whom we sold your personal information and (b) a list disclosing categories of personal information disclosed for a business purpose and the categories of third parties with whom we shared your personal information.  You have the right to obtain this information from us, free of charge, twice each year. 
  • Right to Delete.  You have the right to request that we delete your personal information that we have collected, subject to certain exceptions.  When you contact us, please let us know the information you are requesting we remove, update, correct or amend, and the timeframe and manner in which you believe we came to collect such information.   
  • Right to Opt-Out.  You have the right to opt-out of the sale of your personal information.  We do not sell, rent or trade your personal information to any third parties, as we value your privacy.  Therefore, no request to opt-out of sale is necessary. 
  • Right to Non-Discrimination.  You have the right not to receive discriminatory treatment by us for exercising your rights under the CCPA.  We will not discriminate against you in any way for exercising any of the rights available to you under the CCPA, including by denying you goods or services, charging you different prices or rates, providing you with a lesser quality of goods or services or suggesting that you would receive a different price or rate for goods or services or a different quality of goods or services. 

To exercise any of your rights, please contact us using the contact details provided below.  We are required to verify the identity of anyone who makes any request. 

NOTICE TO CALIFORNIA RESIDENTS (California’s “Shine the Light” Law) 

We do not share your personal information with third parties who we know or have reason to know may use your personal information for “direct marketing purposes” as contemplated by California’s “Shine the Light” law (Civil Code Section § 1798.83). 

CHILDREN’S PRIVACY 

This website is not directed towards or designed for use by children under the age of 18.  This website and the information contained on it is specifically designed for individuals over the age of 18.  If you are under the age of 18, you must not access this website or perform any of the Actions.  We do not knowingly collect, use, store or share personal information from children under the age of 18.  If you know or have reason to believe that we have collected data from anyone under the age of 18, please contact us using the contact details provided for removal of that data. 

 CHANGES TO THE PRIVACY POLICY 

We reserve the right to change, amend or modify this Privacy Policy at any time.  We will alert you to any changes by posting the effective date of the latest version at the top of this page, at which point any changes will become immediately effective.  It is your responsibility to check for updates, as your continued use of the website and our Products after the Privacy Policy is amended will constitute your acceptance and agreement to continue to be bound by the Privacy Policy as of the last updated date indicated at the top of this page. 

Contact Us

If you have any questions about this Privacy Policy, please contact us using the following information.

By email:  info@thehomebuyinghub.com