Privacy policy & Terms and Conditions

BY ACCESSING AND USING ANY OF MY HOME PATHWAY’S PRODUCTS OR SERVICES, INCLUDING WWW.MYHOMEPATHWAY.COM, YOU AGREE TO BE BOUND BY THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO BE BOUND BY ALL OF THE TERMS IN THIS POLICY, PLEASE EXIT THE SITES, MOBILE APPLICATIONS OR OTHER SERVICES IMMEDIATELY AND DO NOT USE THEM IN ANY WAY.

Introduction

At MY HOME PATHWAY, Inc., (MY HOME PATHWAY, We, Us, or Our), our relationship with you is our most valuable asset. We understand and appreciate that you are entrusting us with your information, and as such, we are committed to being transparent about how we collect, use and display it. This Privacy Policy applies to all of the products, services, mobile applications and websites (e.g. WWW.MYHOMEPATHWAY.COM or Mobile Applications) offered by MY HOME PATHWAY or its subsidiaries or affiliated companies (collectively, the Site). This policy describes the information MY HOME PATHWAY collects when you register for, use, access or otherwise interact with any of our websites, applications, products or services (collectively, the “Services”). By using any of the Services provided by MY HOME PATHWAY, you consent to this Policy, including your consent to our use and disclosure of information about you as required under current federal, state, and/or local law, as well as in the manner described below in this Policy.

Statement of Coverage

“Personal information” is information that you provide to us that personally identifies you, such as your name, email address, Social Security number, billing information, or other data which can be reasonably linked to such information by MY HOME PATHWAY. This Privacy Policy covers how MY HOME PATHWAY uses the information we collect and receive, including personal information and information associated with your past and current use of our products and services. This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. The Services and websites provided by MY HOME PATHWAY are intended for U.S. citizens and residents. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States might not be as comprehensive as those in your country. By using our Services or websites, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy. This Privacy Policy neither applies to the practices of companies not owned or controlled by MY HOME PATHWAY nor to people not employed or managed by MY HOME PATHWAY. When you use MY HOME PATHWAY’s Services, you consent to our collection, use, and disclosure of your information as described in this Privacy Policy.

Information Collection & Use

General:

MY HOME PATHWAY may collect and store information about you when you register with MY HOME PATHWAY, when you use MY HOME PATHWAY’s Services, when you visit MY HOME PATHWAY pages or the pages of MY HOME PATHWAY properties (e.g. www.myhomepathway.com) or the pages of certain MY HOME PATHWAY partners, and when you enter promotions or sweepstakes conducted, endorsed, or advertised by MY HOME PATHWAY. MY HOME PATHWAY may combine the information we have about you with information obtained from business partners, other companies, and other users.

MY HOME PATHWAY uses information for the following general purposes: providing, maintaining, optimizing, and improving our services, developing new services, enhancing the user experience, customizing the advertising, offers and content you see, fulfilling your product and service requests, conducting research, managing your customer relationship with us, providing you customer support, contacting you, and providing reports for our internal and external clients and partners. We do not store your Personal Information in cookies or log files on your device, but identifiers in such cookies or log files may be tied to your Personal Information in our systems.

Registration:

Upon registering with MY HOME PATHWAY, information such as your full name, email address, birth date, gender, or ZIP code may be requested. Certain products and services may ask you for additional information, such as your address, phone number, income, Social Security number, details about the financial products you use, driver’s license number or information about your assets. Some of the Personal Information we collect when you register, like your Social Security number, is required by the credit bureau to verify your identity so we can fulfill your request for a credit score and credit report. When requesting your credit report and score on your behalf, we do not do a hard inquiry; rather, we do a soft inquiry of your credit report. We may also collect Personal Information or other information directly from you through various other forms and places throughout the Services, including “Contact Us” forms, or when you otherwise interact with us to provide or enhance our Services. You are not anonymous to us when you register with MY HOME PATHWAY and sign in to our Services.

Account Deletion:

You have the right at any time to request deletion of your account and any data associated with your account from the My Home Pathway platform. We will confirm your request for account deletion and also provide confirmation of account deletion. The user Data will be removed from our servers and you will no longer be able to access that data after a 24 hour period. If account deletion is requested in error, you may request reactivation of your account within the 24 hour period after account deletion request. In case that request to reinstate the account falls outside of that period you will have to create a new account.

Updating Your Personal Information & Communication Preferences:

You can at any time correct or update the personal information that you provided and that we maintain on you by logging into MY HOME PATHWAY Application on your device and going to the “Settings” page. You can also change your communication preferences on this page. MY HOME PATHWAY is not responsible for and cannot amend the information in your credit report, which is produced by one or more credit reporting agencies. If you believe that some of the information in your credit report is inaccurate, you must contact the applicable credit reporting agency directly. Information on how to contact the credit reporting agency may be contained in the settings section.

Transactions:

MY HOME PATHWAY collects information about your transactions with our company and some of our partners. This includes billing and payment information and information about your use of our products and service offerings. This information will only be shared with third parties who perform tasks required to complete purchase transactions (such as fulfilling orders and processing credit card payments).

Site Access & Activity:

MY HOME PATHWAY automatically collects and records certain information from the computer, mobile phone, or other device you use to access the Site, including your MY HOME PATHWAY cookie information, device type, IP address, browser type, browser language, the Web pages you request, location information, and the date and time of your request. Our third-party service providers may also collect such information. We receive data about you whenever you interact with the Site, such as when you look at or search for a topic, product, or other information contained on the site. When you post things like photos or videos on the Site, we may also receive additional related data (or metadata), such as the time, date, and place you took the photo or video.

Public Content:

Your reviews, comments, questions and answers, posts, followers, groups, businesses and professionals that you have done business with, topics and users you follow, profile information (including your name), and any other information that you post to the Site are meant for public consumption. We may display this content on the Site, collect and store it, and further distribute it to a wider audience through third party sites and services. Please also keep in mind that whenever you voluntarily make other personal information (e.g. your home address) available online for viewing by third parties by posting it on the Site, that information is public and can be seen, collected and used by others besides us. We cannot be responsible for any unauthorized third party use of such information.

Location:

We may collect and store information about your location if you enable your computer or mobile device to send us location information. MY HOME PATHWAY will not collect your specific location information without your consent. However, we may ask your consent to using location-enabled services on your Device so that we can collect, share and process information about your specific location to enhance our Services and provide better offers to you, using things like GPS or Wi-Fi access point information. You may be able to change the settings on your computer or mobile device to prevent it from providing us with such information. We may also use information like your IP address or other Device Identifiers for approximate location information, like your city or state. Contacts: When you invite your friends to join the Site by providing their contact information or allowing us to use your address book from your computer, mobile device, or other sites, we may use and store your friends contact information long enough to process your requests.

Messages:

When you send email or other communications to MY HOME PATHWAY, we may retain those communications in order to process your inquiries, respond to your requests and improve our services. As part of our credit educational or other services, you may also receive SMS text messages, push alerts on your phone, and emails when there is a new action or related item from our platform alert. These alert messages will also be logged.

Mobile Application:

Some of our Services may be provided through an application on your mobile, tablet computer, or similar device (Mobile Application). Our Mobile Application may collect the same types of information described above, including Personal Information or other information that you provide (e.g. name, age, gender, address), or Usage Information that is automatically collected and stored. We may also collect and use technical data and related information, including but not limited to, preferred language, phone number or other unique Device Identifiers assigned to your mobile device, technical information about your mobile device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to such Mobile Applications. We may associate your unique Device Identifier or Mobile Application Usage Information with any Personal Information you provide.

Other Sites:

We offer some of our services on or through other websites. Personal information that you provide to those sites may be sent to MY HOME PATHWAY in order to deliver the service. We process such information under this Privacy Policy. The Site includes links to other web sites and provides access to products and services (for example, widgets and applications) offered by third parties, whose privacy policies we do not control. When you access another web site or purchase third party products or services through the Site, use of any information you provide is governed by the privacy policy of the operator of the site you are visiting or the provider of such products or services. The privacy policy of our provider partners may differ from ours. We do not exercise control over these third party sites and they may place their own cookies or other files on your Device, collect data, web site usage information and your Device Identifier, or solicit Personal Information from you. We are not responsible for the privacy practices of any third party. We encourage you to note when you leave our Services and to read the privacy policies and terms of service of all third party web sites or applications before submitting any Personal Information to third parties. You can also connect your MY HOME PATHWAY account to your accounts on third party services like Google, Facebook, LinkedIn or Twitter, in which case we may collect and store information identifying your account with the third party service as well as other information from these third party services that you have given us permission to access (e.g. name, date of birth, profile picture and friends birthdays). These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our site. Your interactions with these features are governed by the privacy policy of the company providing the feature. We use the information to help you connect and share public content with your friends and followers. You can always disconnect your accounts on these third party services from your MY HOME PATHWAY account by visiting those services directly.

Information Provided by Third Parties about You:

MY HOME PATHWAY may supplement the information we collect about you with information from third parties in order to enhance our ability to serve you, to tailor our content to you and to offer you opportunities to consider financial products or services that we believe may be of interest to you. This includes, for example, the free credit report and free credit score we may obtain on your behalf when you register for the Service. We may combine the information we receive from outside sources with information we collect through our Services. We treat all information about you, whether received from you or from a third party, in accordance with this Privacy Policy and our Terms of Service.

Information Provided to Third Parties about You:

MY HOME PATHWAY may provide our partners with your credit data and other relevant information provided by you while using the Services as a way to match you with offers for products and services from those partners. Generally, we will display these offers when you access our web or mobile Services, but we or our partners will occasionally send you information on products, services, special deals, or promotions, by email or other electronic messaging. It is always your choice whether or not to apply for an offered product or service and we will never submit an application for a financial product or service on your behalf without your express consent.

Information You Provide about a Third Party:

If you choose to use our referral program to tell a friend about our Services, we will ask you for your friends name and email address. We will send your friend an email inviting him or her to visit the site. MY HOME PATHWAY stores the information you provide for the sole purpose of sending this email and tracking the success of our referral program. The information you provide will not be used for any other marketing purpose unless your friend signs up for an account or we otherwise obtain consent from that person. Please be aware that when you use any referral functionality through our Services, your name and email address may be included in the communication sent to your friend.

Service-Related Announcements:

We may send you service-related announcements. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these non-promotional communications. If you do not wish to receive them, you have the option to terminate your account.

Push Notifications: If you use our Mobile Applications, we may send you push notifications from time-to-time via our Mobile Application in order to provide or alert you to service-related announcements or information on products, services, special deals, or promotions. If you do not wish to receive these types of communications, you may turn them off in your mobile Device settings.

Customer Service:

When you first register for the Services, we may send you an introductory email welcoming you to MY HOME PATHWAY. We may also communicate with you via email or other means in response to your inquiries and to manage your account. As described above in “Information You Provide about a Third Party,” we may also use information you provide about others to send invitation emails as part of our referral program.

Children:

At MY HOME PATHWAY we are committed to protecting the privacy of children. Our Services are not intended for anyone under the age of 18. We will not knowingly or intentionally collect any Personal Information online from children under the age of 13. If a child under the age of 13 has provided us with Personal Information, please let us know by filling out our contact form. Once received, we will remove that information from our site. Security of Your Personal Information.

Data Protection and Security:

MY HOME PATHWAY takes precautions to secure your personal information. If and when we ask you to provide your personal information, we do so through a connection that uses Secure Sockets Layer (SSL) protocol. This protocol provides security for your information by encrypting it as it travels from your computer to our computer. For security purposes, we then move all of the personal information that we collect or obtain about you to a secure environment on our proprietary network that has controls in place to limit access to and secure the data maintained within it.

Disclosure & Sharing of Information

Under data protection law, we can only use your personal information if we have a proper reason for doing so, e.g.,:

To comply with our legal and regulatory obligations;

For the performance of our contract with you or to take steps at your request before entering into a contract;

For our legitimate interests or those of a third party; or

Where you have given consent.

A legitimate interest is when we have a business or commercial reason to use your information, so long as this is not overridden by your own rights and interests.

We may share information that you have provided during use of our Services to match you with products or services from our partners, or under the following circumstances:

As part of the Services, you may be presented with opportunities for additional financial products or services that may require submitting information to unaffiliated third parties. For example, you may be asked to respond to offers provided by our marketing partners or presented with co-branded services we provide in association with third parties such as our marketing partners, business partners, or sponsors. These opportunities vary from day to day, but we will identify the relevant third party and in general, if you are interested in a particular offer or co-branded service, you will be taken to a third party site to complete the transaction or asked to submit information to the third party through a form on our site. When you are asked to provide information to a third party in connection with such offers or co-branded services, you may be providing your information to both us and the third party. We will treat information we collect in connection with a particular offer or co-branded service in accordance with this Privacy Policy but we are not responsible for the privacy practices of such third parties. For more information, see Information Collection & Use: Other Sites.

When MY HOME PATHWAY shares information about you with third-party partners, some of those third parties may also perform a soft inquiry or promotional inquiry on your credit file based on the information MY HOME PATHWAY shares with them. These inquiries will not affect your credit. However, if you apply for a line of credit or a loan directly with one or more of our third-party lender partners, those lenders may make a hard credit inquiry of your credit file before approving your application.

The Services may permit you to submit ideas, questions, comments, suggestions or other content, including Personal Information (collectively, User Content), that is publicly viewable (such as the public portions of your user profile or comments you post on our publicly accessible blog). We or others may reproduce, publish, distribute or otherwise use User Content online or offline in any media or format (currently existing or hereafter developed). Third parties may have access to this User Content and may have the ability to share it further with third parties across the Internet. Please think carefully before deciding what information you share, including Personal Information, in connection with your User Content. MY HOME PATHWAY does not control who will have access to the information that you choose to make public, and cannot ensure that parties who have access to such publicly available information will respect your privacy or keep it secure. This Privacy Policy does not apply to any information that you disclose publicly or share with others, whether through the Services or otherwise.

Under confidentiality agreements, we provide information to trusted partners working with or on behalf of MY HOME PATHWAY. These companies may use your information to help us communicate offers from our company and our partner companies to you. These companies, however, have no independent right to share this information.

We may use third party service providers or vendors to support or perform certain aspects of the Services on our or your behalf, such as hosting the Services, designing or operating the Services’ features, tracking the Services’ analytics, providing data used, directly or indirectly, in connection with the Services, marketing the Services, enabling MY HOME PATHWAY to contact you with offers or performing other administrative services. We may provide these third party service providers or vendors with access to user information, including Personal Information, in connection with the services they are performing for you or for us. In connection with our Services, these third party service providers or vendors may also set and access their own cookies, web beacons and embedded scripts on your Device, and they may otherwise collect or have access to information about you.

When we may offer sweepstakes, contests, and other promotions (each a Promotion) through the Services or through social media or other channels. By participating in a Promotion, you are agreeing to official rules that govern that Promotion, which may contain specific requirements of you, including allowing the sponsor of the Promotion to use your name, voice and/or likeness in advertising or marketing associated with the Promotion.

While responding to subpoenas, court orders, legal processes, establishing or exercising our legal rights, or defending against legal claims if in our good faith opinion such action is required or permitted by law.

When we believe it is necessary to share information to investigate, prevent, or take action against illegal activities, potential threats to any persons physical safety, violations of our Terms of Service, suspected fraud, or as otherwise required by law.

To protect the safety, integrity, rights, property or security of our Services or equipment or those of any third party or to detect, prevent or otherwise address fraud, security or technical issues. Further, we may use IP addresses or other Device Identifiers to identify users, and may do so in cooperation with third parties such as copyright owners, internet service providers, wireless service providers and law enforcement agencies, including disclosing such information to third parties, all at our discretion. Any such access, use, preservation, transfer or disclosure may be carried out without notice to you.

After we have removed your name or any other personally identifying information from it, or have combined it with other people’s data in a way that it is no longer associated with you.

If another company becomes an owner, co-owner, or operator of MY HOME PATHWAY or one of its properties or Services (for example, WWW.MYHOMEPATHWAY.COM), that company will possess the information associated with it, and will assume the rights and obligations with respect to that information as described in this Privacy Policy.

Safeguarding Communications:

MY HOME PATHWAY may through its Services send you email, text messages or mobile device push notifications from time to time. These communications may contain sensitive credit information, such as your credit score, creditor names, personalized savings offers, or other information about your credit. Safeguarding the information contained in any communications sent to you by MY HOME PATHWAY is solely your responsibility. MY HOME PATHWAY is not responsible for safeguarding the communications once sent to you. You may change your notification preferences on the settings page at any time.

Cookies:

At this time, MY HOME PATHWAY does not respond to automated signals regarding tracking mechanisms, including “do not track” instructions from your browser. However, you may change the privacy preferences in your browser to prevent or limit the use of cookies or similar technologies. Be aware that Flash cookies operate differently than other browser cookies and various browsers may offer their own management tools for removing Flash cookies. To manage Flash cookies, please click here. Please note that blocking cookies, Flash cookies or similar technologies may affect your browsing experience on many sites and may prevent your ability to use certain MY HOME PATHWAY Services, including many of the personalized features we provide for our members. MY HOME PATHWAY uses web beacons to access MY HOME PATHWAY cookies inside and outside our network of web sites and in connection with MY HOME PATHWAY products and services.

Confidentiality & Security

MY HOME PATHWAY takes your privacy and security very seriously, and we follow generally accepted industry standards to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data, both during transmission and once we receive it. In particular, we:

We limit access to personal information about you to employees, contractors, and agents who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.

We limit access to Social Security numbers to help protect against their loss or misuse and do not disclose Social Security numbers to third parties except where such disclosure is required or permitted by law.

We regularly back up the information we collect online to protect against loss.

We have physical, electronic, and procedural safeguards to protect personal information about you. Some of the safeguards that we use include: SSL encryption, firewalls and password protections.

However, no data transmission over the Internet, mobile device or information storage technology can be guaranteed to be 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you believe your MY HOME PATHWAY account has been compromised, please report the incident using our support form. If you have been contacted by someone about your MY HOME PATHWAY account asking for a password, birth date or other personal information, please do NOT respond and forward the email to contact@myhomepathway.com. In the event that you believe that your personal safety is at risk or if you believe that you may be the victim of identity theft or other illegal conduct, please contact the appropriate federal, state or local law enforcement agencies directly.

Data Retention

The information we obtain from or about you may be processed and stored in the United States of America. We may keep it as long as is permitted or required under the law. If you terminate your account, we may retain your data for a period of five years (or longer if required by law) in our active systems in order to ensure our ability to satisfy the authorized uses under this Privacy Policy. For example, we may use retained data to prevent, investigate, or identify possible wrongdoing in connection with the Site or to comply with legal obligations. Please note that information may exist in backup storage even after it has been removed from our active databases. You can request that your account be terminated here. Once your account is terminated, we will disable your account, which will be inactive and not accessible to anyone other than MY HOME PATHWAY authorized personnel. Moreover, once your account is terminated, you will not receive any further product or service related communications from MY HOME PATHWAY.

Changes to this Privacy Policy

MY HOME PATHWAY may update this policy at any time without notice to you. Changes or additions to this Privacy Policy will be available in this section of the website. You can always come to this section to learn what information we gather, how we might use that information and whether we will disclose it to anyone. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.

Questions & Suggestions

Because we want to demonstrate our commitment to your privacy, we have agreed to disclose our information practices. If you have questions or suggestions, please complete a feedback form. You may also contact us by sending postal mail to:

MY HOME PATHWAY Inc.

1313 N. Market Street, Suite 5100

Wilmington, DE 19801