Privacy Policy

Effective Date: [PLACEHOLDER -- set after US counsel sign-off]
Last Updated: [PLACEHOLDER -- set after US counsel sign-off]

This Privacy Policy describes how [PLACEHOLDER -- legal business entity name, e.g., "United States House Partners LLC" or the correct registered entity] ("United States House Partners," "we," "us," or "our") collects, uses, stores, and shares information when you use our website at unitedstateshousepartners.com (the "Site"), including when you use our Rent-to-Own Calculator or contact us through our forms.

Please read this policy carefully before submitting any information. By using the Site and submitting your information, you acknowledge the practices described here.

1. Information We Collect

We collect information you provide directly to us through the Site's lead-capture forms, including the Rent-to-Own Calculator and the Contact form. The specific fields we collect include:

• Name -- your first and/or last name
• Email address
• Phone number -- provided for follow-up contact
• Target home city and state -- the location you are searching in
• Target home price range -- self-reported
• Estimated credit range -- self-reported by you only; we do not pull a credit report or access any consumer reporting agency in connection with your initial inquiry
• Down payment savings range -- self-reported
• Income range -- self-reported
• Timeline -- how soon you are looking to move
• Any message or question you choose to include via the Contact form

We also automatically collect limited technical information when you visit the Site:

• IP address -- logged with each form submission for fraud prevention and rate-limiting purposes
• User-agent string -- the browser/device identifier sent by your browser, logged with each form submission
• Source URL -- the page on our Site from which you submitted the form

Cookies and tracking technologies: This Site currently uses minimal third-party tracking. We do not currently use Google Analytics, Facebook Pixel, or similar advertising tracking tools on this site. Standard WordPress session cookies may be set for site functionality. If tracking or analytics are added in the future, this policy will be updated prior to their use.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide rent-to-own estimates and matching services -- your self-reported financial information is used to calculate illustrative estimates of rent-to-own payment structures and to assess which programs may be relevant to your situation.
• To follow up with you about services -- we (and, as described in Section 3 below, our program partners) may contact you by phone, text, and/or email to discuss your inquiry and available rent-to-own or mortgage options.
• To operate and improve the Site -- IP addresses and technical data are used to prevent fraud, enforce rate limits, and maintain site security.
• To send operator notifications -- when you submit a form, an internal notification email is sent to the site operator (us). This is not a consumer marketing email to you.
• To comply with legal obligations -- we may retain and use your information as required by applicable law.

What we currently do NOT do: At this time, we do not send automated marketing emails directly to consumers who submit the form (only the internal operator notification described above is triggered). If we begin sending marketing emails to consumers in the future, we will update this policy and comply with applicable email marketing laws (including CAN-SPAM), including providing a clear unsubscribe mechanism.

Credit information: The credit range you provide is entirely self-reported. We do not pull a consumer report, obtain a credit score from any consumer reporting agency, or make any credit decision based on your inquiry. We do not send any "adverse action" notice in connection with your initial inquiry. If any downstream program partner separately pulls a consumer report with your authorization, their own disclosures and practices will govern that activity.

3. How We Share Your Information

United States House Partners operates both as a direct rent-to-own program provider and as a matchmaking and referral service. This means your information may be shared with third-party housing, mortgage, and rent-to-own program partners for the purpose of matching you with programs and properties that fit your situation.

We may share your information with:

• Rent-to-own program providers and property partners -- third parties who provide rent-to-own homes or lease-option programs in the state or city you identified
• Mortgage solution providers -- lenders, mortgage brokers, or credit counseling services who may be able to assist you in qualifying for a mortgage
• Service providers -- companies that help us operate the Site (e.g., web hosting, email delivery), who are contractually limited to using your data only to provide services to us
• Legal or regulatory authorities -- when required by law, subpoena, or court order, or to protect our legal rights

Important disclosure regarding California law (CCPA/CPRA): Under the California Consumer Privacy Act and the California Privacy Rights Act, sharing personal information with third parties for matching or commercial purposes may be classified as a "sale" or "share" of personal information, even if no money changes hands directly. We are not making the claim that "we do not sell your information." If you are a California resident, you have the right to opt out of the sale or sharing of your personal information. See Section 6 (Your Rights) below.

We do not share your information with unaffiliated third parties for their own independent marketing purposes unrelated to rent-to-own housing or mortgage solutions.

4. How Your Information Is Stored

Information you submit through our forms is stored in a secure database on our web server (hosted by Bluehost, a US-based web hosting provider). The lead database table is named internally and is accessible only to authorized site operators. We retain lead data to allow us to follow up on your inquiry and maintain business records.

We implement reasonable technical and administrative safeguards to protect your information. However, no internet transmission or electronic storage method is completely secure, and we cannot guarantee absolute security.

5. Telephone and Text Message Contact (TCPA Notice)

By providing your phone number and submitting our form, you expressly consent to be contacted by United States House Partners and its program partners by telephone and/or text message (SMS) at the number you provided, including through the use of automated dialing systems, prerecorded messages, or artificial voice, regarding rent-to-own housing options and mortgage solutions.

Consent is not a condition of any purchase or service. You may opt out of future calls or texts at any time by replying STOP to any text message, by replying HELP for help, or by contacting us directly using the contact information in Section 8. Message and data rates may apply.

This consent is governed by the Telephone Consumer Protection Act (TCPA) and applicable state law. The exact scope of automated outreach and whether a separate signed consent form is required depends on the type of outreach used. [PLACEHOLDER -- US counsel to confirm final TCPA consent language and whether a separate checkbox is required based on the specific outreach technology used.]

6. Your Rights

Depending on where you live, you may have the following rights regarding your personal information:

For All Users

• Access -- you may request a copy of the personal information we hold about you
• Deletion -- you may request that we delete your personal information from our systems, subject to any legal obligations we have to retain it
• Correction -- you may request that we correct inaccurate information we hold about you
• Opt-out of marketing contact -- you may ask us to stop contacting you; reply STOP to any text or use the contact details in Section 8

For California Residents (CCPA / CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

• The right to know what personal information we collect, use, disclose, and share
• The right to delete your personal information (with certain exceptions)
• The right to correct inaccurate personal information
• The right to opt out of the sale or sharing of your personal information. As noted in Section 3, sharing your data with program partners for matching purposes may constitute a "sale or share" under California law. To exercise this right, contact us using the information in Section 8 with the subject line "Do Not Sell or Share My Personal Information."
• The right to limit the use of sensitive personal information
• The right not to receive discriminatory treatment for exercising your privacy rights

[PLACEHOLDER -- US counsel to confirm whether CCPA/CPRA applies based on current annual revenue and number of California consumers, and whether a dedicated "Do Not Sell or Share" link in the footer is required.]

Other State Privacy Laws

Several other US states have enacted consumer privacy laws (including Virginia, Colorado, Connecticut, and others). If you are a resident of a state with applicable privacy protections, you may have similar rights. Contact us using the information in Section 8 to make a privacy request.

How to Submit a Privacy Request

To exercise any of the rights above, please submit your request via:

• Email: [PLACEHOLDER -- privacy contact email address, e.g., [email protected]]
• Contact form: Contact Us

We will respond to verified requests within 45 days. We may need to verify your identity before processing certain requests.

7. Children's Privacy

This Site is not directed to children under the age of 18, and we do not knowingly collect personal information from anyone under 18. We do not knowingly collect personal information from children under 13 as defined by the Children's Online Privacy Protection Act (COPPA). If you believe we have inadvertently collected information from a child under 13, please contact us immediately using the information in Section 8 and we will delete it promptly.

8. Contact Us

For privacy-related questions, requests, or to exercise any of your rights described in this policy, contact us at:

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will post the revised policy on this page with an updated "Last Updated" date. We encourage you to review this policy periodically. Continued use of the Site after any changes constitutes your acceptance of the revised policy.

10. Governing Law

[PLACEHOLDER -- US counsel to confirm governing law and jurisdiction clause appropriate to the registered business entity and operating states.]

This privacy policy is a draft for internal review. It has not been reviewed or approved by a licensed US attorney. Do not rely on this document as legal advice. All [PLACEHOLDER] items must be completed before this site goes live. See the compliance checklist on file for the full pre-launch legal review plan.