At Our Financial Health, your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you participate in our first-time homeownership down payment raffle and prequalification process. Please read this carefully to understand our practices regarding your personal data.
1. Information We CollectWhen you participate in our first-time homeownership raffle or prequalification process, we may collect the following personal information:Full nameContact information (email, phone number, address)Financial information (income details, debt-to-income ratio)Credit score range (self-reported)2. How We Use Your InformationWe are not mortgage lenders or brokers. The information you provide is used solely to assess your eligibility for first-time homeownership programs and to connect you with financing opportunities. Specifically, we use your information to:Evaluate your eligibility for homeownership programs.Share with our trusted third-party mortgage partners to help you explore potential financing options that best suit your needs.Provide you with guidance on financial literacy and homeownership resources.3. No Obligation or Hard Credit InquiryYour participation in this prequalification process is voluntary and does not obligate you to enroll in any specific mortgage program. Additionally, we will not conduct a hard credit inquiry at this stage, so your credit score will not be impacted.4. Sharing Your InformationWe may share your personal information with our trusted third-party mortgage partners to assist in exploring mortgage financing options. These partners will only receive information necessary to assess financing solutions and will be required to handle your information according to their own privacy policies.5. Protecting Your InformationWe take the protection of your personal information seriously and implement a variety of security measures to ensure the safety and confidentiality of your data. These measures include:Data encryptionSecure storage of informationLimiting access to your information to only authorized personnel6. Your RightsYou have the right to:Request access to the personal information we have about you.Correct any inaccuracies in your personal information.Withdraw your consent to our use of your information at any time.7. Updates to Our Privacy PolicyWe may update this Privacy Policy from time to time to reflect changes in our practices or regulatory requirements. When we make updates, we will revise the "Effective Date" at the top of this policy and notify you via email or our website.8. Contact UsIf you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at:Our Financial Health8 West 126th StreetNew York, NY 10027Phone: (646) 360-0340Email: [email protected] participating in our first-time homeownership down payment raffle and prequalification process, you acknowledge that you have read and understood this Privacy Policy and consent to the use of your personal information as described herein.