Our Mission and Your Privacy
Welcome to HomeownershipHub.com. Our mission is to empower first-time homebuyers with clear, unbiased, and expert-driven educational content. This Privacy Policy explains how Homeownership Hub LLC, the U.S.-based company that operates this site, handles your information with the respect and transparency you deserve.
We believe your privacy is fundamental. We are not a lender, bank, or financial institution. We do not originate loans, underwrite applications, or make credit decisions. To be perfectly clear: we will never sell your personal information.
Scope of This Policy
This Privacy Policy applies to the information we collect when you use our website, HomeownershipHub.com, including its tools, content, and forms, or otherwise interact with us online (collectively, our “Services”). By using our Services, you acknowledge the privacy practices we describe in this policy.
Who We Are and How to Contact Us
HomeownershipHub.com is an independent mortgage education and content platform operated by Homeownership Hub LLC, a U.S.-based company.
- Business Mailing Address: Homeownership Hub LLC, 1 Main St, Andover, MA 01810-3982
- Privacy Inquiries: For any questions, you can always reach us at privacy@homeownershiphub.com.
What Information We Collect
We are committed to the principle of data minimization. We collect only the minimum information necessary to provide our services and improve our educational content. We have organized this into clear categories so you know exactly what we collect and why.
Information You Voluntarily Provide
We collect information you choose to share with us when you:
- Fill out a contact form or subscribe to our email newsletter.
- Ask a question through our comments section.
- Use calculators or interactive tools on our site.
- Participate in voluntary surveys or research studies.
This information may include:
- Contact Information: Your name and email address.
- General Location: Your city or ZIP code, which you may provide to use certain tools.
- Homebuying Interests: General preferences you share, such as being a first-time buyer.
- Feedback and Questions: Any feedback, questions, or other content you submit to us directly.
What We NEVER Collect
We do not collect, ask for, or have access to highly sensitive information like your Social Security number, credit score, bank account details, driver’s license number, precise geolocation, racial or ethnic origin, or health information. . If you click a link to one of our trusted partners (like a lender), you may choose to provide them with information, but their privacy policy will govern that interaction.
Information We Automatically Collect (Cookies)
When you visit our website, we automatically collect limited technical information using cookies to help us operate, secure, and improve our site. This includes:
- Identifiers: Your IP address.
- Internet or Other Network Activity: Your device type, browser, operating system, the pages you view, and the time you spend on our site.
This data is used in an aggregated, de-identified form for analytics and is not used to personally identify you. We use strictly necessary cookies for basic site function and analytics cookies (with your consent) to measure and improve performance. You can manage cookies through our consent tool or your browser settings.
What is a cookie?
A cookie is a small text file that a website stores on your device to help it remember information about you and your preferences.
Your Control and Choices
You can control and manage cookies in various ways.
- Our Cookie Consent Tool: When you first visit our site from a relevant jurisdiction (like the EEA or UK), you will be presented with a consent banner where you can accept or reject non-essential cookies.
- Browser Settings: Most browsers allow you to block or delete cookies through their settings. Please note that disabling cookies may affect the functionality of some parts of our website.
How and Why We Use and Share Your Information
Our use of your information is guided by a simple principle: we only use it to provide and improve the educational experience you came for. We do not use your information for user profiling or behavioral advertising and it is not used to personally identify you. The table below provides a clear summary of our data processing activities.
Summary of Our Data Processing Activities
| Data Category | Purpose of Use | Legal Basis (EEA/UK) | Categories of Third Parties Shared With for a Business Purpose | Do We “Sell” or “Share” this Data (under CPRA)? |
| Identifiers(Name, Email) | To respond to your inquiries; To send newsletters you subscribe to. | Consent | Email Delivery Providers | No |
| Identifiers & Network Activity (IP Address, Browser, Pages Viewed) | To analyze site performance; To improve our content and tools; To secure our website. | Legitimate Interest / Consent (for non-essential cookies) | Website Hosting Providers; Analytics Providers | No |
| Affiliate Click Data(Anonymous Click ID, Timestamp) | To track referrals to our trusted partners when you click an affiliate link. This is not linked to your personal identifiers. | Legitimate Interest | Affiliate Network Platforms | No |
| User-Provided Feedback(Survey responses, Comments) | To conduct research; To improve our educational resources. | Legitimate Interest | None (Used internally only) | No |
- Strictly Necessary Cookies: These are essential for the website to function and cannot be switched off.
- Analytics Cookies: These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. These cookies are only placed on your device with your explicit consent.
Our Third-Party Service Providers
To demonstrate full transparency, here are the key third-party services we use to operate our website. These providers are contractually bound to use data only for the services requested.
| Service Provider | Service Category | Purpose of Data Processing | Link to Their Privacy Policy |
|---|---|---|---|
| Google Analytics 4 | Website Analytics | To help us understand user behavior and improve our content and user experience. | https://policies.google.com/privacy |
| Cloudflare | Security & Performance | To protect our site from malicious attacks and help our pages load faster for you. | https://www.cloudflare.com/privacypolicy/ |
| ConvertKit | Email Marketing | To manage our email list and send the newsletters you subscribe to. | https://convertkit.com/privacy |
When We Share Information
We only share information in the following limited circumstances:
- Service Providers: We work with trusted vendors who help us operate our website, such as hosting services and analytics providers. These providers are contractually bound to use the data only for the services we have requested and cannot use it for their own purposes.
- Affiliate Partners: If you click a referral link to a partner, anonymous metadata (like a click ID) may be shared with that partner to confirm the referral. We do not share your personal information with them unless you provide it to them directly on their site.
- Legal & Security Needs: We may disclose information if required by law, such as in response to a subpoena, or if we believe in good faith that it is necessary to protect our rights, prevent fraud, or address a security threat.
- With Your Consent: If you explicitly ask us to share your information with a specific third party, we will only do so with your direct confirmation.
Our Commitment to Privacy
No Behavioral Ads or Cross-Site Tracking. We believe your Browse activity is your own. Unlike many websites, we do not use your visit to our site to target you with ads elsewhere on the internet. Period.
To be perfectly clear, we do not engage in the following practices:
- We do not use Facebook/Meta pixels, TikTok pixels, or other social media retargeting pixels.
- We do not sell your data or share it with data brokers or advertising networks.
- We do not participate in cross-context behavioral advertising.
- We do not build user profiles to track your activity across other websites.
You will not be followed around the internet by ads just because you visited HomeownershipHub.com.
Your Privacy Rights and Choices
We believe in empowering you with control over your information. While some of the rights below originate from specific laws like the California Privacy Rights Act (CPRA) or the GDPR, we extend these core protections to all of our users as a matter of policy.
Your Core Privacy Rights (Applicable to All Users)
- The Right to Know and Access Your Information: You have the right to request information about the personal data we have collected about you. Upon request, we will provide the categories and specific pieces of personal information we have collected.
- The Right to Delete Your Information: You have the right to request the deletion of your personal information. We will honor this request unless we are legally required to retain a record for compliance, security, or other legitimate and lawful purposes.
- The Right to Correct Your Information: You have the right to request the correction of any inaccurate personal information we may hold about you.
Your California Privacy Rights (CPRA)
- The Right to Opt-Out of Sale or Sharing: This right allows you to direct businesses not to sell your personal information or share it for cross-context behavioral advertising. Our Commitment: HomeownershipHub.com does not sell your personal information or share it with third parties for advertising purposes. Because we do not engage in these activities, there is nothing for you to opt out of. We also honor universal opt-out signals from your browser, such as the Global Privacy Control (GPC) and Do Not Track (DNT) signals.
- The Right to Limit Use of Sensitive Personal Information: Some privacy laws provide the right to limit the use of “Sensitive Personal Information.”
- Our Commitment: We do not collect or process sensitive personal information, such as Social Security numbers, financial account data, precise geolocation, race, or health information. Therefore, this right is not applicable to our data practices.
Honoring Opt-Out Preference Signals
We honor universal opt-out signals sent from browsers, such as the Global Privacy Control (GPC).
Disclosures for Users Outside the United States (e.g., EEA, UK, Switzerland)
All data is stored and processed in the United States. If you are accessing our site from outside the U.S., your information will be transferred to, stored, and processed in the United States. Our legal basis for collecting and using the personal information described above will depend on the information concerned and the context in which we collect it.
- Legitimate Interests: We process information for our legitimate interests, such as to operate and secure our website, respond to your inquiries, and analyze and improve our content, provided these interests are not overridden by your data protection interests.
- Consent: We process information based on your consent when you subscribe to our newsletter, voluntarily provide information, or consent to non-essential cookies.
If you are a resident of the EEA, UK, or Switzerland, you have the following additional data protection rights:
- The right to data portability.
- The right to object to processing of your personal information.
- The right to lodge a complaint with a data protection authority.
How to Exercise Your Rights
To exercise any of these rights, please email us at privacy@homeownershiphub.com. To protect your privacy, we will need to verify your identity before fulfilling your request. This may require you to confirm information we have on file, such as your email address. You may designate an authorized agent to make a request on your behalf, though we may require proof of their authorization and verify your identity directly.
State-Specific Privacy Disclosures
For residents of states with comprehensive privacy laws (such as California, Colorado, Virginia, Maryland, New Jersey, and others), this section provides additional disclosures. Our policy is designed to meet the high standards set by these modern laws, and we extend their core protections to all our users.
Notice of Information Collected and Disclosed (Last 12 Months)
| Category of Personal Information | Examples | Source | Purpose of Collection | Categories of Third Parties Disclosed to for a Business Purpose |
| Identifiers | Name, email address, IP address. | Directly from you; Automatically from your device. | To provide services, respond to you, secure our site, analyze performance. | Service Providers (Email Delivery, Hosting, Analytics). |
| Internet or Other Network Activity | Browsing history on our site, interaction with our tools. | Automatically from your device. | To analyze site performance, improve content, secure our site. | Service Providers (Hosting, Analytics). |
| Geolocation Data | General physical location (e.g., derived from your IP address or a ZIP code you provide). | Directly from you; Automatically from your device. | To provide localized tool functionality (e.g., calculators). | Service Providers (Analytics). |
| Inferences Drawn From Other Personal Information | Inferences about your potential interests based on your browsing activity (e.g., interest in FHA loans). | Inferred from your site usage. | To understand content popularity and improve our educational resources. | None. |
| Sensitive Personal Information | Not applicable. | We do not knowingly collect any sensitive personal information. | Not applicable. | Not applicable. |
California’s “Shine the Light” Law
We do not share your personal information with third parties for their own direct marketing purposes.
Additional Privacy Information
Our Policy on AI and Automated Systems
Responsible Use of AI: We may use AI-powered tools to assist our human writers with tasks like research, grammar checking, or generating topic ideas. However, every piece of financial advice and all core articles on our site are thoroughly reviewed, fact-checked, and approved by a qualified human expert before publication. Our use of AI is always governed by our strict editorial principles of accuracy, helpfulness, and putting our readers first.
Data Security and Retention
We take the security of your information seriously and use reasonable administrative, technical, and physical measures, including industry-standard encryption and access controls, to protect it. However, no website or internet transmission can be guaranteed to be 100% secure. We retain your information only for as long as is necessary and proportionate to fulfill the purposes in this policy, unless a longer period is required by law.
- Contact form submissions are retained for up to 90 days.
- Anonymized analytics data is retained for up to 26 months to analyze trends.
Children’s Privacy
Our services are for a general audience and not directed at children. We do not knowingly collect personal information from children under the age of 16. If we learn we have collected such information, we will take steps to delete it.
Financial Incentives
We do not offer any financial incentives in exchange for your personal information. Access to our educational content is always free.
Governing Law
This Privacy Policy and any disputes related thereto shall be governed by and construed in accordance with the laws of the State of Massachusetts, without regard to its conflict of laws principles.
Changes to This Policy
We may update this Privacy Policy from time to time. When we make changes, we will revise the “Last Updated” date at the top of this page. For material changes, we will provide a more prominent notice. We encourage you to review this policy periodically.
How to Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your data, please contact us.
- Email: privacy@homeownershiphub.com
- Mailing Address: Homeownership Hub LLC, 1 Main St, Andover, MA 01810-3982
Change Log
- June 25, 2025: Added a table of specific third-party service providers and a policy on the use of AI tools to enhance transparency. Added a change log.
- January 5, 2025: Initial launch of our new, user-focused Privacy Policy.