Privacy Policy

1. Overview

This Privacy Policy describes how MyHomeEquity ("we," "us," or "our"), operated by Broadcast Media Inc, collects, uses, and protects personal information you provide through the MyHomeEquity website (myhomeequity.net) and our SMS text message program (collectively, the "Services").

By using our Services or submitting your information, you agree to the collection and use of your information as described in this Policy.

2. Information We Collect

Information You Provide Directly

• Contact information: First name, last name, mobile phone number, and home state when you opt into our SMS program.
• Communications: Any messages, replies, or interactions you have with our SMS program.

Information Collected Automatically

• Log data: IP address, browser type, pages visited, time and date of visits, and referring URLs.
• Device information: Device type, operating system, and browser version.
• Cookies and tracking technologies: We may use cookies, pixels, and similar technologies to analyze site traffic and improve user experience.

3. How We Use Your Information

We use the information we collect to:

• Deliver the SMS alerts and educational content you subscribed to
• Send transactional messages related to your subscription
• Communicate relevant home equity rate information and program updates
• Analyze and improve our website and communications
• Comply with applicable laws and regulations, including the TCPA
• Prevent fraud and protect the security of our Services
• Respond to inquiries and support requests

We do not use your information to make automated decisions that significantly affect you, such as credit determinations.

4. SMS Program

By opting into our SMS program, you consent to receive recurring automated marketing text messages (SMS/MMS) from MyHomeEquity at the mobile phone number you provided.

We maintain records of all consent to comply with the Telephone Consumer Protection Act (TCPA) and applicable carrier requirements. Opt-out requests are processed immediately. After opting out, you may receive a single confirmation message.

Carriers are not liable for delayed or undelivered messages. Supported carriers include (but are not limited to): AT&T, T-Mobile, Verizon Wireless, Sprint, Boost Mobile, MetroPCS, and U.S. Cellular.

5. Information Sharing

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes without your explicit consent.

We may share your information with:

• Service providers: Third-party vendors who assist us in operating our website and SMS platform (e.g., SMS delivery platforms, analytics providers). These providers are contractually obligated to use your data only to perform services on our behalf.
• Legal compliance: When required by law, subpoena, or other legal process, or to protect our rights, property, or safety.
• Business transfers: In connection with a merger, acquisition, or sale of all or substantially all of our assets, in which case your information may be transferred as part of that transaction.

6. Your Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate information.
• Deletion: Request deletion of your personal information, subject to legal retention obligations.
• Opt-out of SMS: Reply STOP to any message at any time.
• Opt-out of email communications: Use the unsubscribe link in any email or contact us directly.

7. California Residents — CCPA Rights

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

• The right to know what categories of personal information we collect and how it is used
• The right to delete personal information we have collected from you
• The right to opt-out of the sale or sharing of your personal information
• The right to non-discrimination for exercising your rights
• The right to correct inaccurate personal information we hold about you
• The right to limit our use and disclosure of sensitive personal information

Do Not Sell or Share My Personal Information: We do not sell personal information as defined under the CCPA. To submit a request to know, delete, or correct your information, call us at the number listed below.

You may designate an authorized agent to make requests on your behalf. We will verify your identity or the agent's authorization before processing requests.

8. Data Security

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

9. Data Retention

We retain personal information for as long as necessary to provide our Services, comply with legal obligations, resolve disputes, and enforce our agreements. SMS consent records are retained for a minimum of 5 years to comply with TCPA recordkeeping requirements.

10. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have collected information from a minor, please contact us immediately and we will take steps to delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page with an updated effective date. Your continued use of our Services after such changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: