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Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Privacy Policy

Last updated on July 28, 2020

Consumer privacy is of paramount concern here at HSH.com (“HSH.com” or “We” or “Our”). The following privacy policy (“Privacy Policy”) is intended to describe the way HSH.com utilizes and protects the information we collect from our users. Any references to a “website” or “site” within and throughout this Privacy Policy will apply to the website www.HSH.com.

ACKNOWLEDGEMENT AND AGREEMENT

HSH.com is not intended for use by individuals under the age of 18 or those who are not legal residents of the United States. Please take a moment to review the terms of our Privacy Policy.  By using the HSH.com website and participating in any of the services offered on HSH.com, you agree to accept the terms of this Privacy Policy.

NOTIFICATION OF CHANGES TO OUR PRIVACY PRACTICES

HSH.com may update this Privacy Policy to reflect changes to our information practices.  We reserve the right to change this Privacy Policy at any time.  If we make any material changes to our information practices, we will revise this Policy.  You are advised to read and review this Policy each and every time you access our website and/or use any Service on HSH.com.

PERSONALLY IDENTIFIABLE INFORMATION

We collect and combine personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) through various sources, including those discussed below. For your reference, PII is data collected with an intention to specifically identify, contact or locate a person, including but not limited to social security number, first name, last name, address, zip code, city, state, length of stay at address, whether you rent or own, your e-mail address, driver’s license or state ID number, telephone number, work telephone number, time at which you may be contacted, birth date, birth year, whether you are related to someone in the armed forces, whether you make income from job or from benefits, your employer name, duration of employment, employer’s phone number, job title, frequency of compensation, your pay dates, your IP address and computer specifications, your  ABA/routing number, your bank account number, nature of bank account, name of bank, bank phone number, duration with bank, whether you get paid by direct deposit, monthly net income, and loan amount desired.  Conversely, Non-PII is data that is not used to specifically identify, contact or locate an individual, including but not limited to zip code, gender, age, or IP address.

ABOUT US

On this Site, we operate a prospective customer data base (the “Service”), which compiles, sorts and sells contact information to businesses and networks on behalf of individual consumers and/or businesses that have shown an interest in applying for a business’ products or services. We utilize third party vendors, third party affiliates, and a variety of media advertisements to promote our Site to consumers interested in completing an online request form at our Site or to supplement our database by purchasing the third-party’s database of consumers who have submitted requests or information on websites other than our Site and have affirmatively requested receipt of information about product or service offerings similar to those offered on our Site.  Additionally, we advertise third party services through referrals and/or through pay-per-click advertisements to which you may be redirected through our website. By using the HSH.com website, you agree to our use of your PII and Non-PII for these purposes.

We collect and retain information about you to communicate with you, to process your requests for products and services, and to inform you about other financial services that may be of interest to you. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

OPT-OUT / OPT-IN

We, our affiliate(s) and/or third parties may also promote product and service offerings via e-mail or telephone (including by SMS and automatic dialers) to consumers who requested to be contacted either through our Site’s online application Opt-in process or through an Opt-In process on our third-party vendor or affiliate sites (“List Members”). List Members will receive emails or telephone contacts (including by SMS and automatic dialer) until they opt-out of receiving such contacts.

List Members can be removed from our contact lists at any time with no questions asked.  To remove your information from our database to not receive future communications or to no longer receive our service, you may: 1) send e-mail to [email protected]; 2) go to HSH.com/unsubscribe.

Please note that participation in certain activities on our Site may be limited if personally identifiable information is not submitted for the user.  E-mail addresses and phone numbers received in an opt-out request will be added to our internal Do-Not-Contact registry within ten (10) days following receipt.

Unless we hear from you, we will assume you consent to receiving communications from us and our third-party vendors and affiliates.

If a List Member chooses to be removed from our contact list, if applicable, we will also forward this request to the specific third-party vendor or affiliate who provided List Member’s informational request to us so that the List Member may be included on the third-party’s Do-Not-Contact registry as well. Please bear in mind that if your information was purchased commercially from a third-party vendor or affiliate, HSH.com may not be the only purchaser of your information. Additionally, any third-party vendor or affiliate may have purchased your contact information from an additional third-party and thus you may continue to receive contacts from those third-party companies. HSH.com is not responsible for stopping all unwanted contact from sources beyond our immediate control.

MINORS

HSH.com does not knowingly collect information from children under the age of 18.  No information is knowingly collected from children or used for any purpose whatsoever, including marketing and promotional purposes.  If a parent or guardian is made aware that a child under the age of 18 has provided us with personally identifying information through any point of contact, please contact us at [email protected] and we will delete the information about the child referenced from our files.

GENERAL INFORMATION COLLECTION AND USE

HSH.com collects information through the Site from our prospective and existing customers at several different points on our Site. We use contact information to send information about our company and to service existing accounts. Users may opt-out of receiving future mailings; see the Opt-Out/Opt-In section of this Privacy Policy. Contact and financial information that is collected is used for verifying your name, address and other information. Not all information asked for on our site is required when you fill out our forms. However the following data may be required to use our Site: social security number, first name, last name, address, zip code, city, state, length of stay at address, whether you rent or own, your e-mail address, driver’s license or state ID number, telephone number, work telephone number, time at which you may be contacted, birth date, birth year, IP address or computer hardware specifications, whether you are related to someone in the armed forces, whether you make income from job or from benefits, your employer name, duration of employment, employer’s phone number, job title, frequency of compensation, your pay dates, your  ABA/routing number, your bank account number, nature of bank account, name of bank, bank phone number, duration with bank, whether you get paid by direct deposit, monthly net income, loan amount desired.

Information about your computer hardware and software is automatically collected by HSH.com and may be shared in aggregate with third parties whose services are used for traffic analysis purposes. This information includes: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by HSH.com to maintain and improve the quality of the service and to generate statistics regarding use of the HSH.com site. HSH.com does not use third party databases to correct or update the information you submit to us for any reason.

COOKIES

A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. If a user rejects the cookie, they may still use our site however without cookies the user may not have access to certain features on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. All cookies served on the domain, both session and persistent are tied to the Personally Identifiable Information you provide.

Some of our business partners use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies once set on our site.

LINKS

HSH.com contains links to other sites belonging to third-parties. Please be aware that HSH.com is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by HSH.com even in cases where we may frame another site with our own. From time to time we may co-brand certain services with third-party vendors and affiliates. It will be clear at the point of collection who is collecting such information and whose privacy statement governs. For example, without limiting the foregoing, we co-brand with insurance brokers, credit reporting agencies and, automotive companies.

SECURITY

We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

DISCLOSURE

We cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Agreement. By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances as required by law, or third parties may unlawfully intercept or access transmissions or private communications.

In addition, as noted above, if you opt-out of future contact from HSH.com by using the opt-out mechanism provided in each e-mail we send to you on behalf of a third party service provider other than HSH.com, we will provide your email address to the third party service provider so that the third party service provider can add your name and contact information to its own Do-Not-Contact list.

As HSH.com develops, we may buy other businesses or their assets or sell our business assets. Customer information is generally one of the business assets involved in such transactions. Thus, in the event that HSH.com or all of its assets are acquired, customer information, including any visitor information collected through the Site, would be one of the transferred assets. For more information see the “Notification of Changes” section of this Privacy Policy.

Finally, HSH.com reserves the right to disclose member information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) HSH.com’s rights or property, other visitors, members, or anyone else that could be harmed by such activities. HSH.com also reserves the right to disclose visitor or member information when we believe in good faith that the law requires it.

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Site.

We may disclose personal information that we collect or you provide as described in this Privacy Policy to contractors, service providers, and other third parties we use to support our business.

We may disclose personal information that we collect or as you provide for any other purpose disclosed by us when you provide the information or as you otherwise consent to.

SHARING INFORMATION WITH AFFILIATES

When you submit your request for information or to be connected with a mortgage lander, you are granting permission to be contacted by HSH.com and/or affiliated third parties. We share the contact and loan request data you submit on the quote request form and HSH.com account number information with affiliated companies such as banks, lenders and licensed loan brokers to fulfill information requests we receive from you, to provide you with superior service, inform you of product and service opportunities that may be of interest to you, and for other business purposes, we may disclose all of the information we collect, as described above, to the following types of affiliated companies: financial service providers, such as mortgage companies, mortgage brokers, mortgage agents, agencies, title service companies, debt & credit services companies and other kinds of finance-related companies. An “affiliate company” is a company under legal contract with HSH.com or its corporate affiliates to fulfill services or is a company owned in whole or in part by HSH.com.

SHARING INFORMATION WITH CO-BRANDED PARTNERS

Some of the services offered on our website are co-branded with contracted partners. Co-branded offerings will be identified directly on the loan request form for the product or service you choose prior to you having to submit the quote request. Where a co-branded product or service provider is identified your Personally Identifiable information will be provided directly to that provider’s website, not HSH.com. The Product or Service provider shall control your data once submitted to them. For purposes of identification and tracking, your contact information (name, Address, Phone, e-mail address, etc.) is shared with HSH.com.

We may use personal information to provide the services you’ve requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider’s standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending “STOP”, “END”, “QUIT” to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.

DO NOT CONTACT REGISTRY COMPLIANCE

By submitting personal contact and/or financial information, the user hereby grants written permission to HSH.com, its affiliated sites, and its business partners for contact via telephone, mail, and/or e-mail. Further, by registering at HSH.com you are consenting to receive phone calls from HSH.com, its affiliated sites, and its business partners for contact via telephone, including but not limited to lenders that may contact you regarding a loan.

FORMER CUSTOMERS

We treat information about our former customers in the same manner as we treat information about our current customers.

CONFIDENTIALITY AND SECURITY

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use.

Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.

SITE AND SERVICE UPDATES

We will send the user site and service announcement updates. Members are not able to unsubscribe from service announcements, which contain important information about the service. We also communicate with user to provide requested services and in regards to issues relating to the account via e-mail or telephone when requested.

CORRECT / UPDATE INFORMATION

If you would like to verify any data that we have received from you, make any corrections or disable the use of your personal information, please contact us at [email protected] or log into your account here on HSH.com.

CONTACT INFORMATION

Contact: [email protected]

FOR CALIFORNIA RESIDENTS ONLY

Access to Specific Information

You can request that we disclose certain information to you about our collection and use of your personal information over the past 12 months, including:

  • The categories and sources of personal information we collected about you.
  • Our purpose for collecting or sharing that information.
  • The categories of third parties with whom we share that personal information, including the categories of information each category of third parties received and the business reasons for sharing.
  • The specific pieces of personal information we collected (data portability request)

Deletion Request Rights

We will delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

  • Complete the processing of your loan request or otherwise perform our contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise another provided for by law.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by sending an email to [email protected] with the exact subject line “California Resident Exercising Access, Data Portability, or Deletion Rights” or by calling the phone number located in the footer of this site.

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period.

The verifiable consumer request must: (a) Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative and (b) Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Personal Information Sales Opt-Out and Opt-In Rights

You have the right to direct us to not sell your personal information at any time by sending an email to [email protected] with the exact subject line “California Resident Personal Information Sales Opt-Out” or by calling the phone number in the footer of this site.

Non-Discrimination

We will not discriminate against you for exercising any of your rights described in this “For California Residents Only” section or any other rights granted to you under the California Consumer Privacy Act of 2018.

Do Not Track (DNT) signals

We do not track our customers over time and across third party websites, and therefore do not respond to Do Not Track (DNT) signals. However, we may use third-party services (e.g., Google Analytics) or have third-party advertising partners (e.g., Google, noted above) who may keep track of your browsing activities. You should review the specific privacy policies of these third parties at the following addresses to learn how they respond to DNT signals:

Google: https://www.google.com/intl/en/policies/privacy/
Amazon: http://www.amazon.com/gp/help/customer/display.html?nodeId=468496
Microsoft: https://www.microsoft.com/en-us/privacystatement/default.aspx

California’s “Shine the Light” law (Civil Code Section § 1798.83)

California Civil Code Section § 1798.83 permits users of this site that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to [email protected] with the exact subject line “California Resident Shine the Light Request” or write to us to physical address in the footer below.

Other Disclosures

All of the categories of information described in the “PERSONALLY IDENTIFIABLE INFORMATION” section above have been collected and disclosed by us in the preceding 12 months.

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