Privacy Policy

1. Introduction

HOME CAREGIVING GRANT ("HCG," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or apply for grant assistance.

By using our website or submitting an application, you consent to the practices described in this policy.

2. Information We Collect

Personal Information

When you apply for an HCG grant, we may collect:

• Full legal name, date of birth, and Social Security Number
• Contact information (email address, phone number, mailing address)
• Marital status and spouse information (if applicable)
• Property address and ownership details
• HELOC and mortgage account information
• Employment and income details
• Financial hardship documentation
• Bank statements and tax records

Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address and browser type
• Device information and operating system
• Pages visited, time spent, and referring URLs
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate your grant application
• Verify your identity and eligibility
• Communicate with you regarding your application status
• Coordinate with HELOC lenders for grant disbursement
• Comply with legal and regulatory obligations
• Improve our website and services
• Prevent fraud and unauthorized access

4. Information Sharing and Disclosure

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

• HELOC Lenders: To verify account details and disburse grant funds
• HUD-Approved Counselors: To facilitate housing counseling services
• Credit Bureaus: For soft or hard credit inquiries as disclosed during application
• Service Providers: Third parties who assist in operating our website and processing applications
• Legal Requirements: When required by law, court order, or government regulation

5. Data Security

We implement industry-standard security measures to protect your personal information, including SSL/TLS encryption for data transmission, encrypted storage for sensitive data, access controls and authentication procedures, and regular security audits.

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

6. Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience. You can control cookie preferences through your browser settings. Disabling cookies may limit certain website functionality.

7. Your Rights

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

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of certain data processing activities
• Withdraw consent for communications

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

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Application records are typically retained for a minimum of seven (7) years.

9. 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 you believe a child has provided us with personal information, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our website after changes constitutes acceptance of the revised policy.

11. Contact Us

If you have questions about this Privacy Policy, please contact us at:

HOME CAREGIVING GRANT
Email: privacy@hcggrant.com
Phone: 401-965-6420