Last Updated: 1-2-2026

Homes With Owner Financing, LLC (“we,” “us,” or “our”) values your privacy. This Privacy Policy explains how we collect, use, store, and protect personal information when you access or use our website (the “Website”).

By using this Website, you consent to the practices described in this Privacy Policy.

1. Information We Collect

Information You Provide Directly

We may collect personal information that you voluntarily provide, including:

• Name

• Email address

• Phone number

• Property information submitted by sellers

• Messages submitted through contact or listing forms

We do not require users to provide sensitive personal information to browse the Website.

Payment Information

If you purchase listing access or submit paid listings:

• Payments are processed by third-party payment processors (such as Stripe)

• We do not store credit card numbers or banking details on our servers

Payment processors handle this data according to their own privacy policies.

Automatically Collected Information

We may automatically collect limited technical data such as:

• IP address

• Browser type

• Device type

• Pages visited

• Date and time of access

This data is used for website functionality, analytics, and security.

2. How We Use Information

We use collected information to:

• Provide access to listings and platform features

• Display property listings submitted by sellers

• Communicate with users regarding platform-related inquiries

• Improve website performance and user experience

• Prevent fraud, abuse, or misuse of the platform

• Comply with legal obligations

We do not use personal information to make lending, credit, or eligibility decisions.

3. How Listings Information Is Used

Information submitted by sellers may be displayed publicly, including:

• Property location (city/state)

• Property details and descriptions

• Photos

• Financing terms (as provided by seller)

• Seller contact information (as chosen by seller)

By submitting a listing, sellers consent to public display of this information.

4. Cookies & Tracking Technologies

We may use cookies and similar technologies to:

• Enable core site functionality

• Understand how visitors use the Website

• Improve content and layout

You may disable cookies through your browser settings, though some features may not function properly.

5. Sharing of Information

We do not sell personal information. However, should you initiate a non-refundable chargeback, all property owners will be notified.

We may share information only:

• With service providers who help operate the Website (hosting, analytics, payments)

• When required by law or legal process

• To protect the rights, safety, or property of users or the Platform

All service providers are required to safeguard information appropriately.

6. Data Security

We implement reasonable administrative and technical safeguards to protect personal information. However, no system can guarantee absolute security.

You acknowledge that use of the internet involves inherent risks.

7. Data Retention

We retain personal information only as long as necessary to:

• Operate the platform

• Comply with legal obligations

• Resolve disputes

• Enforce our Terms of Use

You may request deletion of your information, subject to legal and operational requirements.

8. Your Rights & Choices

Depending on your jurisdiction, you may have the right to:

• Request access to your personal information

• Request correction or deletion

• Opt-out of non-essential communications

Requests can be made through the Website’s contact form.

9. Children’s Privacy

This Website is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors.

10. Third-Party Links

The Website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Last Updated” date.

Continued use of the Website constitutes acceptance of the revised policy.

12. Contact Information

If you have questions about this Privacy Policy or your data, please contact us through the Website’s contact form.

California Privacy Notice (CCPA / CPRA)

This section applies only to California residents and supplements the Privacy Policy above. Please read this section carefully.

1. California Consumer Rights

Under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), California residents have the following rights:

• Right to Know what personal information we collect, use, disclose, and retain

• Right to Access personal information we have collected about you

• Right to Delete certain personal information, subject to legal exceptions

• Right to Correct inaccurate personal information

• Right to Limit Use of Sensitive Personal Information (if applicable)

• Right to Non-Discrimination for exercising your privacy rights

We do not discriminate against users who exercise these rights.

2. Categories of Personal Information Collected

Within the last 12 months, we may have collected the following categories of personal information:

• Identifiers: Name, email address, phone number, IP address

• Internet Activity: Pages visited, interactions with the Website

• Commercial Information: Listing submissions and platform access purchases

• User Communications: Messages sent through contact or listing forms

We do not collect government ID numbers, Social Security numbers, or credit report data.

3. Sensitive Personal Information

We do not intentionally collect or use sensitive personal information as defined under CPRA (such as Social Security numbers, precise geolocation, or financial account credentials).

If any sensitive information is incidentally provided, it is used solely for operational purposes and not for profiling or automated decision-making.

4. Purposes for Collection and Use

Personal information is collected and used for:

• Operating and maintaining the Website

• Displaying property listings

• Communicating with users

• Processing payments via third-party processors

• Improving platform functionality and security

• Complying with legal obligations

We do not use personal information for credit, lending, or eligibility decisions.

5. Disclosure of Personal Information

We may disclose personal information to:

• Service providers (hosting, analytics, payment processing)

• Legal or regulatory authorities when required

• Prevent fraud or misuse of the Platform (i.e. a potential buyer pays for a subscription to access seller information and then initiates a chargeback; in this case of fraudulent activity, all property owners in your state will be notified)

All disclosures are for business purposes only.

6. Sale or Sharing of Personal Information

We do not sell personal information.

We do not share personal information for cross-context behavioral advertising as defined by CPRA.

Because we do not sell or share personal information, we are not required to display a “Do Not Sell or Share My Personal Information” link.

7. Data Retention

Personal information is retained only for as long as reasonably necessary to:

• Provide platform services

• Comply with legal obligations

• Resolve disputes

• Enforce agreements

Retention periods vary based on the nature of the information.

8. Exercising Your California Privacy Rights

California residents may submit a request to:

• Access

• Delete

• Correct personal information

Requests may be submitted through the Website’s contact form. We may need to verify your identity before processing your request.

9. Authorized Agents

You may designate an authorized agent to make a privacy request on your behalf. We may require proof of authorization and identity verification.

10. Right to Non-Discrimination

We will not deny services, charge different prices, or provide a different level of service because you exercised your California privacy rights.

11. Updates to This California Notice

We may update this California Privacy Notice from time to time. Changes will be posted on this page with an updated effective date.

Privacy Disclaimer

This Website provides listing and informational services only. We do not evaluate, approve, or make decisions regarding buyers, sellers, or financing. Personal information is used solely for platform operation and communication. California residents may review their privacy rights above under “California Privacy Notice (CCPA / CPRA).