Privacy Policy

Down Payment Resource (“Down Payment Resource”, “Workforce Resource”, “DPR”, “Company”, “we”, “our”, or “us”) respects your privacy. This Privacy Policy describes the information that Down Payment Resource collects from you, including through this web site (“Website”) and as part of our normal operations, and describes what may happen to that information.

Please read this Privacy Policy, as well as our Website Terms and Conditions, carefully and in their entirety before using this Website and its contents.

By accessing this Website, downloading or using materials from this Website and/or uploading or sending materials or information to this Website, you agree to abide by this Privacy Policy and the Website Terms and Conditions. If you do not agree, then you should not use this Website. We reserve the right to make changes, at any time without notice, to the Website and its contents, including this Privacy Policy and the Website Terms and Conditions. Each time you visit the Website you should check the contents, this Privacy Policy and the Website Terms and Conditions for any updates or revisions. You agree to be bound by any such revisions and updates.

Any disputes relating to this Privacy Policy or our handling of your information are subject to this Privacy Policy as well as the Website Terms and Conditions, including a mandatory arbitration provision. Please review the Website Terms and Conditions carefully.

What we collect

What personal information we collect depends on what you do when you use the Website and on what personal information you elect to give us, but it may include your name, email address, phone number, and characteristics of your household. This personal information is only collected if you voluntarily provide it to us while answering questions to determine your eligibility for homebuyer assistance programs. If you select the option to be contacted for more details, any third parties receiving your request will only receive the contact information you provide and the programs for which Down Payment Resource® has determined you may be eligible. In addition, this information may be used to provide offers to you. We aggregate data we collect for various purposes including the improvement of the operation of our Website.

We may use Google Analytics and other similar third party services to collect and analyze data on usage of the Website, including individuals’ usage patterns over multiple visits. These services may involve storage of information on your computer in cookies, as well as transmission and storage of information about each page you view on the Website to third parties’ servers in the United States. Information transmitted to these services includes anonymous, non-personal data, such as your Internet address and attributes of your browser and computer, and may also include personal information, such as your name, email address, household characteristics, and in some cases your IP address. Such information stored on third party servers is available only to us for purposes of analyzing and reporting on usage of the Website. It is not available to the service providers for any other purpose, and is not associated with any other information that the service providers may have about users of the Website. You may prevent some of this data collection by disabling cookies, but please note that in doing so you may not be able to use the full functionality of the Website. Additionally, plug-ins are available for certain web browsers to prevent collection of information by Google Analytics. Visit https://tools.google.com/dlpage/gaoptout for more information about downloading and installing these plug-ins. By using the Website, you consent to the collection, storage and analysis of data about you in the manner and for the purposes set out above.

Do Not Track

As discussed above, because we may track Website usage information through the use of cookies, pixels and other tracking mechanisms, your selection of the “Do Not Track”option provided by your browser may not have any effect on our collection of cookie information. The only way to completely “opt out” of the collection of any information through cookies or other tracking technology is to actively manage the settings on your browser to delete and disable cookies and other tracking/recording tools. However, getting a “Do Not Track” signal to work as you might want is difficult. Using browsers as an example, not all tracking technologies can be controlled by browsers; unique aspects of your browser might be recognizable even if you disable a tracking technology; not all settings will necessarily last or be effective; even if a setting is effective for one purpose data still may be collected for another; and even if one web site observes a “Do Not Track” signal, that web site usually will not be able to control other web sites.

Personal Information

If you wish, you can provide us with personal information about yourself by using the contact forms and email addresses on the Website. This information includes your name, address, email address and phone number. We only collect this information directly from you and only when you elect to provide it. Personal information about you is only used to conduct business with you. If you desire at any time that we no longer contact you based on information you have provided to us, you can contact us at the contact points specified below and request that you no longer be contacted, and we will make commercially reasonably efforts to timely fulfill that request.

How we Use Your Information and What Information We May Share

We use information that we collect about you or that you provide to us, including any personal information:

1. To present the Website and its contents to you;
2. To provide you with information, products or services that you request from us;
3. To fulfill any other purpose for which you provide it, including providing services to assist you in the pursuit of obtaining financial and lending information;
4. To carry out our obligations and enforce our rights arising from any contracts entered into between you and us;
5. To notify you about changes to the Website or any products or services we offer or provide though it;
6. To allow you to participate in interactive features on the Website;
7. In any other way we may describe when you provide the information; and for any other purpose with your consent.

We may also use your information to contact you about our own and third parties’ goods and services that may be of interest to you. If you do not want us to use your information in this way, please check the relevant box located on the form on which we collect your data (the registration form). We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

We may disclose your personal information if required to do so by law or in the good-faith belief that such action is necessary to:

1. Conform to the edicts of the law or comply with legal process served on the Company;
2. Protect and defend the rights or property of the Company;
3. Act to protect the personal safety of the employees of the Company and other users of the Website.

We take commercially reasonable steps to ensure the security of the Website and the information we collect about you.

Some of our services involve referral of your inquiry to third parties, such as non-profit debt counselors. If you elect to use services involving such referrals, you agree that information submitted by you to us including on this Website will be shared, either directly or through intermediary entities, with one or more third parties. Please carefully consider that third parties may retain or use personal information even if you do not use their services and you should contact the third parties directly concerning their privacy policies, which may differ from this Privacy Policy.

By registering on the Website, you may also receive commercial email and/or telemarketing calls in response to your inquiry from us or third parties who receive your information as provided in this Privacy Policy. If you provide your express consent to receive calls or text, you may receive telemarketing calls or text messages at the phone number provided regarding the products and/or services for which you have expressed an interest.

You expressly acknowledge that we may provide your information to third parties for promotional offers by email, telephone, mobile device and/or SMS text (including, with your lawful prior express written consent, by automated telephone dialing and/or artificial pre-recorded voice) at the number provided. We have captured information to prove prior written consent was obtained from you, via an electronic signature.

Specifically, we may have captured an IP Address, Website pages which contain the consent language and fields, associated screenshots of the consent webpage as seen by you where your telephone number was entered, complete data record submitted by you (with time and date stamp), or other identification sources. All collected information will be retained by us for a period of time as determined by us, which could be four years or longer. Separate lists may be maintained for different purposes. If you wish to end your inclusion in a particular list, you need only to follow the instructions at the end of each communication to unsubscribe from the particular list.

By submitting your personal information to us, you agree that such act constitutes an inquiry for purposes of the Amended Telemarketing Sales Rule (16 C.F.R. § 310 et seq.), as amended from time to time (the “ATSR”) and applicable state do not call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable state do-not call lists, we and/or third parties receiving your information as provided herein retain the right to contact you via telemarketing in accordance with the ATSR and applicable state do-not-call regulations.

Where you provide “prior express written consent” within the meaning of the Telephone Consumer Protection Act (47 U.S.C. § 227), and its implementing regulations adopted by the Federal Communications Commission (47 C.F.R. § 64.1200), as amended from time to time (the “TCPA”), you consent to receive telephone calls, including artificial voice calls, pre-recorded messages and/or calls (including SMS text messages) delivered via automatic telephone dialing system, to the telephone number(s) that you provided. You are not required to consent to such telemarketing as a condition of purchasing any property, goods or services; you may revoke such consent at any time. Standard text message rates will apply.

PLEASE BE ADVISED THAT BY AGREEING TO THIS PRIVACY POLICY, YOU ARE OBLIGATED TO IMMEDIATELY INFORM US IF AND WHEN THE TELEPHONE NUMBER ASSOCIATED WITH YOUR MOBILE DEVICE(S) HAS/HAVE CHANGED.

We are not responsible for third party promotional communications sent to you. We provide you the opportunity to “opt-out” of or otherwise unsubscribe from having your information used for certain purposes. You may remove your information from our database by contacting us directly. If you remove your information from our database it will no longer be disclosed to third parties or used by us to send promotional communications to you. However, we may retain information necessary to establish your lawful consent to receive marketing messages, and third parties may retain information they have received from us.

Log Files

As is common for most server technologies, our web servers produce log files that may contain details of each interaction between your browser and the Website. This includes Internet Protocol (IP) addresses, browser identification strings, URLs of pages and related assets that are requested, data submitted through forms on the Website, and timestamps. These log files are stored locally on our servers, are available only to us, and are used only for diagnostic and troubleshooting purposes. We take commercially reasonable steps to secure these files against access by unauthorized parties.

Children’s Privacy

We believe that protecting the privacy of children is very important. The Website is not designed to attract individuals under the age of 18. In accordance with the Children’s Online Privacy Protection Act (COPPA), we do not collect or store any personal information, even in aggregate, about children under the age of 13. If we discover we have received any information from a child under the age of 13 in violation of this policy, we will delete that information immediately. If you believe that the Company has any information from or about anyone under the age of 13, please contact us at the contact points specified below.

Linked Web Sites

The Website may contain links to various other web sites. The Company assumes no responsibility for the content or practices of web sites linked through the Website and such linking should not suggest or imply any affiliation or endorsement by the Company of the linked web site. Please be aware that we, the Company, are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our Website and to read the privacy statements of each and every site that collects personally identifiable information. This Privacy Policy applies solely to information collected by the Website as defined in the first paragraph above.

Your California Privacy Rights

California Civil Code Section 1798.83 permits California residents to request and obtain from us once a year, free of charge, a list of the third parties to whom we have disclosed personal information (as defined under that statute) of that California resident, for direct marketing purposes in the preceding calendar year and the categories of personal information that was disclosed to them. If you are a California resident and you wish to make such a request, you may contact us by electronic mail at info@downpayentresource.com.

We may provide you the ability to post information on the Website. If you are a California resident who is under 18 and a registered user of the Website and you are unable to remove content or information you posted in a public area of the Website by following the instructions provided on the Website, you may request removal by contacting us at info@downpaymentresource.com.

When requesting removal please be specific about the information or content you want removed and provide the URL for each page on the Website where it is located. We are not required to remove any content or information that:

1. Federal or state law requires us or a third party to maintain the content or information;
2. The content or information was not posted by you, the registered user;
3. We anonymize the content or information so that you cannot be identified;
4. You do not follow our instructions for removing or requesting removal; or
5. You received compensation or other consideration for providing the content or information.

REMOVAL OF YOUR POSTED CONTENT OR INFORMATION FROM THE WEBSITE DOES NOT ENSURE COMPLETE OR COMPREHENSIVE REMOVAL OF THAT CONTENT OR INFORMATION FROM OUR SYSTEMS OR THE SYSTEMS OF OUR SERVICE PROVIDERS. We are not required to delete the content or information posted by you; our obligations under California law are satisfied so long as we anonymize the content or information or render it invisible to other users and the public. Also, some content and information you post that has been copied or reposted by a third party is outside of our control and will not be removed.

Rights Provided by the California Consumer Privacy Act of 2018 (“CCPA”)

The above rights are separate from rights that California residents may have under the California Consumer Privacy Act (“CCPA”). This section of our Privacy Policy provides California residents with a comprehensive description of Our online and offline practices regarding the collection, use, disclosure, and sale of personal information and the rights of California consumers regarding their personal information under the California Consumer Privacy Act (“CCPA”). This section applies to all California residents (but not including legal entities, such as companies). The section will not apply, however, if we do not collect any personal information about you or if all of the information we collect is exempt from the statute (for example, the CCPA does not protect information that is already protected by certain other privacy laws, and it does not protect information that is already publicly available). 

“Personal information,” for purposes of this section regarding the rights of California residents, does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records.

You have a Right to Know About Personal Information Collected, Disclosed, or Sold

California residents have the right to request that we disclose what personal information we collect, use, disclose, and sell. This is called the “Right to Know”. Under the Right to Know, you can request a listing of the general categories of personal information we have collected about you, the sources of that information, how we use the information (e.g., our business or commercial purposes for collecting or selling personal information), other individuals and business with whom we share personal information.

You also have the right to request the specific pieces of personal information that we have collected about you, which we call a “Right to Access”. 

If you would like the above information, you may contact us through this form. Contact information is also available at the bottom of this Privacy Policy. When you make a request under your Right to Know, you can expect the following:

1. We will verify your identity. We will ask you to provide us the following information in order for us to verify that you are who you say you are: name, email address, and contact information. In the case of a Request for Access we will also request that you sign a declaration verifying your identity.  
2. We will confirm our receipt of your request within 10 days. If you have not received a response within a few days after that, please let us know by contacting us at the email address or phone number listed below.
3. We will respond to your request within 45 days. If necessary, we may need an additional period of time, up to another 45 days, but we will reply either way within the first 45-day period and, if we need an extension, we will explain why.
4. In certain cases, a Request to Know or for Access may be denied, for example, if we cannot verify your identity or if providing you the information could create an unreasonable risk to someone’s security (for example, we do not want very sensitive information disclosed inappropriately). If we deny your request, we will explain why we denied it. If we deny a request, we will still try to provide you as much of the information as we can, but we will withhold the information subject to denial. 

In the last 12 months, we have collected the following categories of personal information from individuals from the following sources: 

Category	Example	Sources	Business Use	Disclosures
Identifiers	Name; Email Address; Phone Number; IP address	Directly from consumers; Directly and indirectly from the Website; Directly and indirectly from applications used on the Website; Directly and indirectly from affiliates; Directly and indirectly from third party service providers	To fulfill transactions; To provide customer service; Internal finance operations; To analyze Our services; To market and analyze marketing of Our products	Affiliates; Third party service providers; Legal and regulatory authorities; Information security vendors
Commercial Activity	Transactional records	Directly and indirectly from the Website; Directly and indirectly from applications used on the Website; Directly and indirectly from third party service providers	To fulfill transactions; To provide customer service; To market and analyze marketing of Our products	Affiliates; Third party service providers; Legal and regulatory authorities; Information security vendors
Network Activity	IP address; Cookies; Browser user agents	Directly from consumers; Directly and indirectly from the Website; Directly and indirectly from applications used on the Website; Directly and indirectly from third party service providers	To fulfill transactions; To provide customer service; To analyze Our services; To market and analyze marketing of Our products	Affiliates; Third party service providers; Legal and regulatory authorities; Information security vendors
Audio or Other Electronic Communication Information	Customer service call recordings; Customer service emails	Directly from consumers; Directly and indirectly from the Website; Directly and indirectly from applications used on the Website; Directly and indirectly from third party service providers	To fulfill transactions; To provide customer service; To analyze Our services; To market and analyze marketing of Our products	Affiliates; Third party service providers; Legal and regulatory authorities; Information security vendors
Professional / Employment-Related Information	Job history; Performance reviews; Education level; Benefits; compensation	Directly from consumers	To verify prospective employment; to fulfill employer obligations customer service	Affiliates; Third party service providers; Legal and regulatory authorities; Information security vendors

We do not sell personal information.

You have a Right to Request Deletion of Personal Information about You

California consumers have a right to request the deletion of their personal information collected or maintained by us. If you would like information about you to be deleted, you may submit a request through this form. You may also submit a request by calling us at the number listed at the bottom of this Privacy Policy. When you make a request for deletion, you can expect the following:

1. After you request deletion, you will need to confirm that you want your information deleted.
2. We will send you an email and ask you to provide us the following information in order for us to verify that you are who you say you are: name, email address, and contact information. We will also request that you sign a declaration verifying your identity.   
3. We will confirm our receipt of your request within 10 days. If you have not received a response within a few days after that, please let us know by contacting us at the email address or phone number listed below.
4. We will respond to your request within 45 days. If necessary, we may need an additional period of time, up to another 45 days, but we will reply either way within the first 45-day period and, if we need an extension, we will explain why.
5. In certain cases, a request for deletion may be denied, for example, if we cannot verify your identity, the law requires that we maintain the information, or if we need the information for internal purposes such as to provide you with services. If we deny your request, we will explain why we denied it and delete any other information that is not protected from deletion.

Right to Opt-Out of the Sale of Personal Information

As noted above, we do not sell personal information.

Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights

You have a right not to receive discriminatory treatment by Us for exercising any of your privacy rights conferred by the CCPA. We will not discriminate against any California consumer because such person exercised any of the consumer’s rights under CCPA, including, but not limited to:

• Denying goods or services.
• Charging different prices or rates for goods and services, including through the use of discounts or other benefits or imposing penalties.
• Providing a different level or quality of goods or services.
• Suggesting that the consumer will receive a different price or rate for goods or services or a different level or quality of goods or services.

We may, however, charge a different price or rate, or provide a different level or quality of goods or services, if that difference is related to the value provided to you by your data.

Authorized Agents

If you would like, you may designate an authorized agent to make a request under the CCPA on your behalf. We will deny requests from agents that do not submit proof of authorization from you. To verify that an authorized agent has authority to act for you, we may require a copy of a power of attorney or require that you provide the authorized agent with written permission and verify your own identity with us. 

What if I am accessing the Website from outside of the United States?

As noted above, our services and the Website are intended solely for businesses located in the United States and We do not do business outside the U.S. Please do not visit the Website or receive other services from outside the United States. Should you do so, your information may be transferred to, stored or processed in the United States, where our servers are located and our central database is operated. While we take steps to protect your privacy, the data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand and agree that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy.

Security

We attempt to implement commercially reasonable efforts to safeguard all of the information that we may collect. However, no computer system can ever be made 100% secure. To the extent required by applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. Third parties who receive your information are obligated by contract and/or applicable law to also protect your personal information. However, we are not responsible for the conduct of the third parties and do not warrant or guarantee the quality of their efforts, if any, to protect your information. If users have any questions about the security of the Website, users can contact us at the contact points specified below.

Correcting/Updating/Deleting/Deactivating Personal Information

If your personally identifiable information changes (such as zip code, phone, email or postal address) you may correct, update or delete/deactivate your personally identifiable information by contacting us at the contact points specified below.

Revisions to this Policy

Down Payment Resource reserves the right to periodically revise this policy. Please check this page periodically for changes. The document revision date displayed below indicates when this policy was last revised.

Contact Information

To contact Down Payment Resource regarding this Website, please call us at: 877-816-8050, or send an e-mail to: info@downpaymentresource.com.

Please print and retain a copy of this agreement for your records.

Last Updated: December 8, 2021