🔒 Privacy Policy for HomeWalletLife.com

Effective Date: [10/2/2025]

HomeWalletLife.com ("Website", "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 visit our website. By using this Website, you agree to the practices outlined below.

1. Information We Collect

We may collect the following types of information:

a. Personal Information (You Provide)

• Name, email address, or contact information when you:

  • Subscribe to our newsletter

  • Contact us via forms

  • Comment on blog posts (if enabled)

  • Inquire about MLO services

b. Non-Personal Information (Automatically Collected)

• IP address

• Browser type

• Device type

• Operating system

• Pages visited and time spent on the Website

• Referring website

This data is collected via cookies, analytics tools (e.g., Google Analytics), and similar technologies.

2. How We Use Your Information

We use the information we collect to:

• Improve Website functionality and user experience

• Communicate with you (e.g., newsletters, responses to inquiries)

• Analyze traffic and usage patterns

• Provide personalized content or offers

• Fulfill any legal or regulatory requirements

3. Cookies and Tracking Technologies

We use cookies and similar technologies to track activity on our Website and hold certain information. You can control or disable cookies through your browser settings. However, doing so may affect your experience on the Website.

4. Sharing Your Information

We do not sell your personal data. We may share your information with:

• Service providers (e.g., email marketing platforms, hosting providers) under strict confidentiality agreements

• Law enforcement or regulators when legally required

• Affiliate partners to track commissions, only where affiliate cookies are used (non-personally identifiable)

5. Affiliate Disclosure

HomeWalletLife.com participates in affiliate marketing programs. Clicking on links to affiliate partners may result in cookies being placed on your device to track purchases for commission purposes. These cookies do not identify you personally.

6. Data Security

We take reasonable measures to protect your information from unauthorized access or disclosure. However, no method of transmission over the Internet is 100% secure. You use the Website at your own risk.

7. Your Data Rights

Depending on your location (e.g., under GDPR or CCPA), you may have the right to:

• Request access to the personal data we hold about you

• Request correction or deletion of your data

• Opt out of certain data collection (e.g., cookies or email marketing)

To exercise any of these rights, please contact us using the details below.

8. Third-Party Links

This Website may contain links to third-party websites. We are not responsible for the content, policies, or practices of those sites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

This Website is not intended for children under the age of 13 (or 16 in the EU). We do not knowingly collect personal information from children. If you believe we have done so, please contact us immediately to have the data removed.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Continued use of the Website indicates your acceptance of the revised policy.

11. Contact Us

If you have questions about this Privacy Policy or would like to manage your data, contact us at:
📧 [Iruthyleatham@hotmail.com]