Privacy Policy

1. Overview

Housing Resolutions ("we," "us," or "our") is an independent informational service that helps homeowners understand their options when they are struggling with a mortgage. This Privacy Policy explains what information we collect, how we use and share it, and the choices you have — including how to opt out of text messages, calls, and emails.

2. Information We Collect

We collect information you provide directly to us, including:

• Contact details such as your name, phone number, and email address.
• Property details such as the address you provide and, when enriched by an address lookup service, the city, state, ZIP code, county, and approximate coordinates associated with it.
• Your request details such as the situation you describe and any documents you choose to share with us.
• Communication consent records such as whether you opted in to text messages and phone calls.
• Attribution and technical data such as how you arrived at our site, the pages you viewed, and general device and browser information.

3. How We Use Your Information

We use your information to respond to your request, review the details you provide, contact you about potential options, keep records of our communications with you, comply with legal obligations, and improve our website and services. We do not use your information to make legal or financial determinations for you.

5. Phone and Email Communications

When you submit your contact details, we may respond to your request by phone or email. The optional consent described above applies to text messages and phone calls only. You can ask us to stop contacting you by any channel at any time, and we will honor that request. Opting out of text messages does not affect your ability to reach us by phone or email.

6. How We Share Information

We do not sell your personal information. We may share information only:

• With service providers who help us operate our website and business, such as hosting, email, analytics, and address lookup providers, under obligations to protect it.
• With our own team members and authorized personnel who need it to respond to your request.
• Where required by law, regulation, or legal process.
• In connection with a merger, acquisition, or sale of assets, subject to this Policy.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are not shared with any third parties.

7. Cookies and Analytics

We use cookies and similar technologies to keep the site working, understand how visitors use it, and measure the effectiveness of our outreach. You can control cookies through your browser settings.

8. Data Retention

We keep your information for as long as needed to respond to your request, maintain business and compliance records, and meet legal obligations. When it is no longer needed, we delete or de-identify it.

9. Data Security

We take reasonable technical and organizational measures to protect your information. Sensitive homeowner data is not exposed through public URLs or analytics events. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

10. Your Choices and Rights

• Text messages: reply STOP to any message to opt out, or reply HELP for help.
• Phone calls: tell us during the call that you would like us to stop calling.
• Email: ask us to stop emailing you, or use any unsubscribe option provided in the message.
• Access and deletion: you may request access to, correction of, or deletion of your personal information by contacting us.

11. TCPA and 10DLC Compliance

Our communications practices are designed to comply with the Telephone Consumer Protection Act (TCPA), related regulations, and carrier messaging requirements for Application-to-Person messaging (10DLC). We obtain prior express written consent for text message communications through a clear, optional opt-in that is never a condition of service. We honor opt-out requests promptly, identify ourselves in our messages, and do not share messaging consent data with third parties.

12. Children's Privacy

This website is not directed to children under 18, and we do not knowingly collect information from them.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The version posted on this page is the current version, and the "last updated" date above reflects the most recent change.

14. Contact Us

For questions about this Policy or to exercise your choices, contact us. You can also review our Terms & Conditions.

• Housing Resolutions
• Phone: 540-274-1282
• Email: H.A.Consulting22@gmail.com