Privacy Policy

Version 2.1 — Effective July 1, 2026

Contents

Important Notice

HomeTurf Mortgage Marketplace ("HomeTurf," "we," "our," or "us") is a technology platform that connects borrowers with mortgage lenders. We are not a lender, loan broker, or loan servicer. This Privacy Policy explains how we collect, use, and protect your personal information when you use our platform across all four auction modes: Purchase, Refinance, Pre-Approval, and Beat My Rate.

Overview

At HomeTurf, we take your privacy seriously. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our website (www.hometurfus.com) and services. By using HomeTurf, you consent to the data practices described in this policy.

Our platform supports four auction modes — Purchase, Refinance, Pre-Approval, and Beat My Rate — each of which collects different types and amounts of information. This policy describes what is collected for each mode and how that information is shared with participating lenders.

HomeTurf is currently available in 5 states during our beta period. We handle all user information with the utmost care and in compliance with applicable privacy laws.

Financial Privacy Notice (GLBA)

Why we collect your information. Because HomeTurf helps you obtain competing mortgage offers, we collect nonpublic personal information (NPI) such as your name, contact details, and the financial information you provide (for example, credit score range, income and asset ranges, and any documents you upload).

How we share it. We share your information only as needed to operate the platform and only with your participation: a lender receives your contact details and submitted information only after you select that lender as your winning bid and the lender accepts our Lender Code of Conduct. We do not sell your personal information, and we do not share it with non-affiliated third parties for their own marketing.

How we protect it. We maintain administrative, technical, and physical safeguards designed to protect your information, including access controls that keep your contact details and documents hidden from lenders until you choose a winner.

Your choices. You control which lender (if any) receives your information by choosing a winning bid. You may request access to or deletion of your data at any time from your account settings or by contacting support@hometurfus.com.

Information We Collect

Account Information (All Users)

  • • Name and email address (required for account creation)
  • • Phone number (optional; if you provide it, it is shared with your chosen lender after you select a winning bid)
  • • Account role (borrower or lender)
  • • Password (stored in encrypted form; we never have access to your plaintext password)

Borrower Information (Varies by Auction Mode)

The information we collect depends on which auction mode you use. See the "Data Collection by Auction Mode" section below for a detailed breakdown.

  • • Purchase & Refinance: Property address, loan amount, property type, credit score range (self-reported), employment and income ranges, down payment range, and uploaded documents (purchase agreement or mortgage statement)
  • • Pre-Approval: Target purchase price range, credit score band, income band, target state, purchase timeline, and loan preferences. No property address or documents are collected.
  • • Beat My Rate: Existing interest rate, target purchase price range, credit score band, income band, target state, and loan preferences. Your existing lender's name is never collected or stored. An optional Pre-Approval letter may be uploaded.

Lender Information

  • • Company name and NMLS number (verified against NMLS Consumer Access)
  • • State licenses and company type
  • • Number of loan officers and loan specialties (optional)
  • • Annual loan volume range (optional)
  • • Notification preferences

Documents You May Provide

  • • Purchase mode: Signed purchase agreement (required)
  • • Refinance mode: Current mortgage statement (required)
  • • Pre-Approval mode: No documents required
  • • Beat My Rate mode: Existing Pre-Approval letter (optional)
  • • Any additional documents you choose to upload (optional across all modes)

Automatically Collected Information

  • • IP address and device information
  • • Browser type and operating system
  • • Pages visited and time spent on our platform
  • • Referral sources

Data Collection by Auction Mode

HomeTurf supports four auction modes. Each mode collects different information to facilitate the auction process. This section describes exactly what is collected and what is shared with lenders for each mode.

P

Purchase Auction

What We Collect

  • • Property address and type
  • • Purchase price and loan amount
  • • Credit score range (self-reported)
  • • Employment and income ranges
  • • Down payment range
  • • Signed purchase agreement

What Lenders See During Auction

  • • City, state, and first 3 digits of ZIP
  • • Property type and loan amount
  • • Credit score range and income range
  • • Down payment range
  • • NOT shared: Your name, full address, email, phone, or exact financial figures
R

Refinance Auction

What We Collect

  • • Property address and type
  • • Current mortgage details and loan amount
  • • Credit score range (self-reported)
  • • Employment and income ranges
  • • Current mortgage statement

What Lenders See During Auction

  • • City, state, and first 3 digits of ZIP
  • • Property type and requested loan amount
  • • Credit score range and income range
  • • NOT shared: Your name, full address, email, phone, current lender details, or exact financial figures
PA

Pre-Approval Auction

What We Collect

  • • Target purchase price range (min/max band)
  • • Credit score band (range, not exact score)
  • • Income band (range, not exact amount)
  • • Target state and purchase timeline
  • • Loan preferences
  • • No property address is collected
  • • No documents are required

What Lenders See During Auction

  • • Target state only (no city or address)
  • • Target purchase price range
  • • Credit score band and income band
  • • Purchase timeline
  • • NOT shared: Your name, email, phone, exact financial figures, or any property information

Pre-Approval auctions are designed with enhanced privacy. We collect financial information only in broad ranges (bands), not exact figures, to minimize the personal data shared while still enabling lenders to make competitive offers.

BMR

Beat My Rate Auction

What We Collect

  • • Your existing interest rate (the benchmark to beat)
  • • Target purchase price range (min/max band)
  • • Credit score band (range, not exact score)
  • • Income band (range, not exact amount)
  • • Target state and purchase timeline
  • • Existing Pre-Approval letter (optional)
  • • We NEVER collect or store your existing lender's name

What Lenders See During Auction

  • • Target state only (no city or address)
  • • The benchmark rate they need to beat
  • • Target purchase price range
  • • Credit score band and income band
  • • NOT shared: Your name, email, phone, existing lender name, exact financial figures, or any property information

Your existing lender's name is never collected, stored, or shared — not during the auction, not after you select a winner, and not in any post-auction contact records. This protects your privacy and ensures lenders compete purely on the terms they can offer.

How We Use Your Information

We use your information to:

  • • Facilitate auctions between you and lenders across all four auction modes
  • • Verify your identity and prevent fraud
  • • Verify uploaded documents (purchase agreements, mortgage statements) where applicable
  • • Connect you with appropriate lenders based on your needs and their licensed states
  • • Communicate about your auctions and our services
  • • Improve our platform and user experience
  • • Comply with legal obligations and regulations
  • • Send marketing communications (only with your consent; you may opt out at any time)
  • • Provide customer support

Information Sharing

Sharing with Lenders

When you create an auction, we share limited, anonymized information with participating lenders to enable them to make competitive bids. The exact information shared varies by auction mode (see "Data Collection by Auction Mode" above).

Across all modes, the following is NEVER shared with lenders during an active auction:

  • • Your name
  • • Your email address
  • • Your phone number
  • • Your exact financial figures (only ranges or bands are shared)
  • • Your full property address (only city/state for Purchase and Refinance modes)

After you select a winning bid, only the winning lender receives your contact information and, where applicable, access to your uploaded documents. Non-winning lenders receive no identifying information.

We may also share your information with:

  • • Service Providers: Third-party vendors who help us operate our platform (hosting, email delivery)
  • • Legal Requirements: When required by law, subpoena, or court order
  • • Business Transfers: In connection with a merger, acquisition, or sale of assets
  • • Protection of Rights: To protect our rights, property, or safety, or that of our users
  • • With Your Consent: When you explicitly authorize sharing

We do NOT sell, rent, or trade your personal information to third parties for their marketing purposes.

Auction Privacy

Your Privacy During Auctions

What Lenders See (Purchase & Refinance)

City and state (not full address), first 3 digits of ZIP code, loan amount, property type, and financial ranges (credit score range, income range, asset range).

What Lenders See (Pre-Approval & Beat My Rate)

Target state only (no city or address), purchase price range band, credit score band, income band, and purchase timeline. For Beat My Rate, lenders also see the benchmark rate to beat. No property-level information is shared.

What Stays Private (All Modes)

Your name, email, phone number, exact financial figures, and uploaded documents are never shared during the auction. For Beat My Rate, your existing lender's name is never collected or stored at any point.

After You Accept a Bid

Only the winning lender receives your contact information and, where applicable, access to your uploaded documents. Non-winning lenders receive no information about you. The winning lender is required to contact you within 36 hours.

Data Security

We implement industry-standard security measures to protect your information:

  • • Encryption: SSL/TLS encryption for all data transmission
  • • Storage: Encrypted storage for sensitive information via Google Cloud Platform
  • • Infrastructure: Hosted on Google Cloud Platform / Firebase with built-in security protections
  • • Access Control: Role-based access limiting who can view your data
  • • Authentication: Secure password requirements and session management via Firebase Authentication

While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but are committed to maintaining robust protections. See our Security page for more details.

Data Retention

Document Retention

Documents uploaded for auction verification (purchase agreements, mortgage statements, Pre-Approval letters) are retained only as long as necessary to facilitate the auction and post-auction process. We intend to delete uploaded documents within 90 days after your auction closes. Documents shared with your winning lender are transferred to them as part of the post-auction connection process.

Account Data

We retain your account information for as long as your account is active. You may request deletion of your account at any time. Some information may be retained as required by law or for legitimate business purposes.

Pre-Approval & Beat My Rate Data

For auctions that do not involve document uploads (Pre-Approval and Beat My Rate without an optional letter), the financial range data you provide is retained as part of your auction record. This data is stored in band/range form — we do not have your exact financial figures.

Your Rights

You have the right to:

  • • Access: Request a copy of your personal information
  • • Correct: Update or correct inaccurate information
  • • Delete: Request deletion of your personal information (subject to legal requirements)
  • • Opt-out: Unsubscribe from marketing communications at any time
  • • Port: Receive your data in a portable format
  • • Restrict: Limit how we use your information in certain circumstances

To exercise these rights, contact us at privacy@hometurfus.com

Cookies & Tracking Technologies

We use cookies and similar technologies to enhance your experience:

  • • Essential Cookies: Required for platform functionality (authentication via Firebase, security, session management)
  • • Preference Cookies: Remember your settings and preferences
  • • Advertising Cookies (optional, consent required): The Meta pixel, used to measure how our advertising performs. These load only if you select "Accept all" in our cookie banner.

Analytics & Advertising: HomeTurf uses Firebase Authentication and Firebase Cloud Firestore for platform functionality. With your consent, we also use the Meta (Facebook/Instagram) pixel to understand which advertisements bring people to HomeTurf and whether they create an account. We send Meta only anonymous event information (for example, that a registration or an auction occurred, and the auction type). We never send your name, email address, contact details, credit information, loan amounts, property details, or any other financial data to Meta or any other advertising network.

Advertising cookies are optional. Choosing "Essential only" in our cookie banner means no advertising cookies load at all, and the platform works exactly the same. To change your choice later, clear your browser's site data for hometurfus.com and the banner will ask again. You can also control cookies through your browser settings, though disabling essential cookies may limit some platform functionality.

California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

  • • Right to Know: What personal information we collect and how it's used
  • • Right to Delete: Request deletion of your personal information
  • • Right to Opt-Out: Opt out of sale of personal information (we do not sell your data)
  • • Right to Non-Discrimination: Equal service regardless of exercising privacy rights
  • • Right to Correct: Request correction of inaccurate information

To exercise these rights, California residents can contact us at privacy@hometurfus.com

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will delete it immediately. If you believe we have collected information from a minor, please contact us at privacy@hometurfus.com.

Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by posting the new policy on our website, updating the "Version" and "Effective" date at the top of this page, and sending you an email notification. Your continued use of HomeTurf after changes become effective constitutes acceptance of the updated policy.

Contact Information

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

Privacy Inquiries: privacy@hometurfus.com

General Support: support@hometurfus.com

Mailing Address: PO Box 75, Fort Lauderdale, FL 33302

© 2026 HomeTurf Mortgage Marketplace. All rights reserved.

Terms of ServiceSecurityNMLS Information

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