Privacy Policy

1. Introduction

Equity Connect, operated by Barbara LLC ("we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our services, including our website and communications.

2. Information We Collect

2.1 Information You Provide

We collect information you voluntarily provide when you contact us, including:

• Name and contact information (phone number, email address, mailing address)
• Property information (address, estimated value, mortgage status)
• Age and homeownership status
• Any other information you choose to provide during our pre-qualification process

2.2 Information from Public Records

We obtain certain information from publicly available sources, including:

• Property ownership records
• Property characteristics and estimated values
• Mailing addresses

2.3 Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address and device information
• Browser type and operating system
• Pages visited and time spent on our site
• Referring website addresses

3. How We Use Your Information

We use your information to:

• Pre-qualify you for reverse mortgage services
• Connect you with licensed reverse mortgage specialists
• Communicate with you about our services via phone, email, or SMS
• Respond to your inquiries and provide customer support
• Improve our services and website functionality
• Comply with legal obligations and protect our rights

4. SMS/Text Messaging (10DLC Compliance)

4.1 Consent to Receive Text Messages

By providing your phone number and opting in to receive text messages, you consent to receive SMS messages from Equity Connect regarding our services, including pre-qualification information and appointment reminders. Message and data rates may apply.

4.2 Message Frequency

Message frequency varies based on your interaction with our services. You may receive up to 5 messages per month.

4.3 Opt-Out Instructions

You can opt out of receiving text messages at any time by replying STOP to any message. You may also reply HELP for assistance or contact us directly at the information provided below.

4.4 Carrier Liability

Carriers are not liable for delayed or undelivered messages. We are not responsible for any charges or fees imposed by your wireless carrier.

5. Information Sharing and Disclosure

5.1 With Reverse Mortgage Specialists

When you pre-qualify and agree to be connected, we share your information with a licensed reverse mortgage specialist who can assist you. We only share information necessary for them to provide their services.

5.2 Service Providers

We may share information with third-party service providers who perform services on our behalf, such as website hosting, data analysis, and customer service. These providers are contractually obligated to protect your information.

5.3 Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights or comply with legal processes.

5.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

6. We Do Not Sell Your Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. Your information is only shared with reverse mortgage specialists for the purpose of connecting you with their services.

7. Data Security

We implement reasonable security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

8. Your Rights and Choices

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal obligations)
• Opt out of marketing communications at any time
• Withdraw consent for SMS messages by replying STOP

To exercise these rights, please contact us using the information provided below.

9. Email Unsubscribe

Every marketing email we send includes an unsubscribe link. You can opt out of receiving marketing emails at any time by clicking the unsubscribe link or contacting us directly. Please note that even if you unsubscribe from marketing emails, we may still send you transactional or service-related messages.

10. Telephone Consumer Protection Act (TCPA) Compliance

We comply with the Telephone Consumer Protection Act (TCPA) and FCC regulations. We will not contact you via phone or text message without your prior express written consent. You may revoke your consent at any time by contacting us or replying STOP to text messages.

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

12. California Privacy Rights

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

• The right to know what personal information we collect, use, and disclose
• The right to request deletion of your personal information
• The right to opt out of the sale of personal information (we do not sell your information)
• The right to non-discrimination for exercising your privacy rights

To exercise these rights, please contact us using the information below.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

14. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: