Privacy Policy

1. Introduction

PorchLight Realty ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you register for our VA Loan | NextHome private execution sessions ("the Event") and interact with our services.

By registering for the Event, you consent to the practices described in this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

When you register for the Event, we collect:

• Contact Information: Full name, email address, phone number
• Military/Veteran Status: Rank or status, VA disability rating
• Financial Planning Information: Timeline for property purchase, whether you currently have a VA loan
• Document Confirmations: Your confirmation that you can bring required documentation

2.2 Information Collected During the Event

During the in-person session, we may collect:

• Proof of income (LES, paystubs)
• VA Certificate of Eligibility (COE)
• Mortgage statements (if applicable)
• VA benefits summary letters (if applicable)
• Credit information obtained through soft inquiries
• Debt-to-income calculations and financial analysis data

2.3 Automatically Collected Information

When you visit our registration page, we may automatically collect:

• Device information (browser type, operating system)
• IP address and location data
• Pages visited and time spent on pages
• Referring website or source

3. How We Use Your Information

We use the information we collect to:

• Event Management: Confirm your registration, send event reminders, provide preparation materials, and communicate event details
• Service Delivery: Conduct pre-approval assessments, perform entitlement analysis, calculate debt-to-income ratios, and build your personalized loan package
• Communication: Send you SMS text messages, emails, and phone calls related to your Event registration and follow-up services
• Compliance: Meet legal and regulatory requirements for VA loan processing and real estate services
• Improvement: Analyze Event effectiveness and improve our services
• Marketing: With your consent, provide information about related services and future events

4. SMS and Email Communications

4.1 SMS Text Messages

By providing your phone number and registering for the Event, you consent to receive SMS text messages from PorchLight Realty and VA Loan | NextHome. You may receive up to 5 messages including:

• Registration confirmation
• Event reminders and updates
• Preparation instructions and document checklists
• Location and timing details
• Follow-up information

Message and data rates may apply. Message frequency varies. Reply STOP to cancel at any time. Reply HELP for assistance.

4.2 Email Communications

We will send you emails related to your Event registration, preparation materials, and follow-up. You can unsubscribe from marketing emails by clicking the unsubscribe link in any email, but you will continue to receive transactional emails related to your Event registration.

5. How We Share Your Information

5.1 Service Providers

We may share your information with trusted third-party service providers who assist us with:

• SMS and email delivery services (e.g., GoHighLevel)
• Loan processing and underwriting
• Credit reporting agencies (for soft inquiries only, with your consent)
• Event management and registration platforms

5.2 Lending Partners

With your consent, we may share your information with lending institutions to facilitate your VA loan application and pre-approval process.

5.3 Legal Requirements

We may disclose your information if required by law, court order, or governmental regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

5.4 What We Do NOT Share

We do NOT share your mobile phone number or SMS opt-in consent with any third parties for their marketing or promotional purposes. All SMS originator opt-in data and consent information remains confidential and is not shared with third parties or affiliates for marketing purposes.

6. Data Security

We implement reasonable physical, technical, and administrative security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include:

• Encrypted data transmission (SSL/TLS)
• Secure storage of sensitive documents
• Limited access to personal information on a need-to-know basis
• Regular security assessments and updates

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:

• Event registration data: Retained for 2 years after the Event date
• Financial documentation: Retained in accordance with federal and state regulations (typically 3-7 years)
• Communication records: Retained for compliance and service improvement purposes

After the retention period, we will securely delete or anonymize your information.

8. Your Privacy Rights

8.1 General Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Opt-Out: Opt out of marketing communications at any time
• Withdraw Consent: Withdraw your consent for data processing where consent is the legal basis

8.2 California Residents (CCPA)

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

• Right to know what personal information we collect, use, and disclose
• Right to request deletion of your personal information
• Right to opt out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

8.3 How to Exercise Your Rights

To exercise any of these rights, please contact us using the information in Section 13 below. We will respond to your request within 30 days.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information.

10. Third-Party Links

Our registration page may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

11. Cookies and Tracking Technologies

We may use cookies, web beacons, and similar tracking technologies to collect information about your browsing activity. You can control cookies through your browser settings, but disabling cookies may affect your ability to use certain features of our website.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will post the updated policy on this page with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

13. Contact Us

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

14. Equal Housing Opportunity

PorchLight Realty is an Equal Housing Opportunity provider. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity in accordance with federal, state, and local fair housing laws.

15. Consent

By registering for the VA Loan | NextHome Event and providing your personal information, you acknowledge that you have read, understood, and agree to this Privacy Policy.