Privacy Policy

Welcome to Foreclosureavoidance.org (the “Website”), which is owned and operated by Foreclosureavoidance.org (“Foreclosureavoidance.org” or “we”) and forms part of the Terms and Conditions of Use that govern your use of the Website.Please read this Privacy Policy carefully before using the Website. By using our Website, you acknowledge that you have read this Privacy Policy, and agree to be bound by it. If you do not agree to any of the terms contained in this Privacy Policy, your remedy is not to use the Website or any of the services provided by Foreclosureavoidance.org.This Privacy Policy does not apply to information collected by third parties, including via websites that may be accessible from or linked to this Website. Foreclosureavoidance.org is not responsible for the content or privacy practices of any non-foreclosureavoidance.org site to which this Website links.

Privacy Policy last updated: March 20, 2023

Purpose
This Website serves as an educational platform and reference guide for homeowners trying to avoid home foreclosure. Homeowners are able to read educational articles and blogs through the Website and apply for additional services to avoid home foreclosure (the “Foreclosureavoidance.org Services”).

Information We Collect and How We Collect It.
Foreclosureavoidance.org collects different kinds of information from you in different ways. This Privacy Policy tells you about our information gathering, use, and disclosure practices and applies to information gathered through your use of this Website and your electronic communications through this Website.
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What Information is Collected.
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We collect these types of information on the Website:
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"Non-personal Information" is any information that does not identify you individually (such as group demographics) or does not permit a direct association with an individual. Non-personal Information may include information derived from Personal Information that has been de-personalized by removing unique identifiers and/or combining it with information about other users to form aggregated data. For example, we may collect web browsing history related to the Website, date and times of visits to the Website, date and number of videos viewed through the Website, and/or IP address associated with your device(s).
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"Personal Information" is your personally identifiable information, including first and last name together with email address, mailing address, telephone number, and social security number. To the extent we associate Non-personal Information with Personal Information, we treat the combination as Personal Information.
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How Information Collected:

We collect information in the Website in these ways:
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Voluntarily Provided. In the course of visiting and using the Website and the Foreclosureavoidance.org Services, you may provide information to us voluntarily. For example, in order to use the Website and access the Foreclosureavoidance.org Services, You may be required to complete a personal information form/application that may be used by Foreclosureavoidance.org and its affiliates . In the course of doing either of these tasks, you will be asked for information about yourself. If you voluntarily provide your Personal Information to us, we collect it and can distribute it to the affiliates of Foreclosureavoidance.org. You choose whether to disclose Personal Information, but you will not be able to use some of Foreclosureavoidance.org's information and services without doing so. Foreclosureavoidance.org may collect information you send us and combine it with information from other users and/or de-personalize it to make it Non-personal Information.

Technologically Gathered.
We collect some information automatically as you navigate the Website. For example, we collect traffic data (such as information about how much time visitors spend on the Website or each page, etc.), collect and log “clickstream data” (such as internet protocol addresses, pages visited, clicks made, courses completed, and similar information) and information about your computer and internet connection (such as IP address, operating system, and browser type) for all visitors. This sort of information is generally considered Non-personal Information (unless it is combined with Personal Information that you or other sources provide to us). We may combine information about your use with information about others’ use to generate aggregated Non-personal Information about visitors as a group. Foreclosureavoidance.org may collect information through “cookies” and other technology, such as clear GIF technology (also known as a “web beacon”) and we may combine this with your Personal Information or with other Non-personal information. This Website employs cookies and web beacons to speed your navigation of the Website, recognize you, and track your Website usage.
"COOKIES" are small pieces of information that are stored by a user's internet browser on a user's computer's hard drive. Most internet browsers are initially set to accept cookies. You can set your browser to refuse cookies, but then you may not be able to access or use portions of this Website.
"WEB BEACONS" are small bits of code embedded in web pages or emails that assist in delivering cookies. Web beacons help Foreclosureavoidance.org determine whether a page on this Website has been viewed and, if so, how many times. For example, any electronic image on this Website, such as an ad banner, can function as a web beacon. We may also use web beacons in email messages to determine what the recipient has done with the message. Although you cannot decline to receive web beacons when visiting a web page, you can choose not to receive web beacons by email if you disable HTML images or refuse HTML email messages.

Do Not Track.
The Website does not respond to do-not-track signals from browsers or other similar mechanisms. While Foreclosureavoidance.org (with the assistance of its service providers) does collect information about Your use of the Website for its own use, Foreclosureavoidance.org does not permit third party advertisers to collect personally identifiable information about Your online activities for their own use when You use the Website. Except as described above, Foreclosureavoidance.org does not permit third-party behavioral tracking or any other third-party data collection through the Website.

How We Use the Information.
Generally, Foreclosureavoidance.org uses information to improve our products and services, to improve, administer, customize, and/or maintain the Website, to manage transactions, to build relationships with you and other users, to provide you with information about Foreclosureavoidance.org services, to fulfill other purposes for which you provide the information,, to carry out our obligations and enforce our rights, to allow you to receive information from our 3rd party affiliates about products and services that may be offered to avoid home foreclosure, and to conduct market research and analysis. Additionally, Foreclosureavoidance.org or its partners or affiliates may contact you regarding your completion of the online personal information application, for purposes related to your use of the
Foreclosureavoidance.org Services.

We may also contact you to obtain your input, or provide information about our services and educational content. Foreclosureavoidance.org may identify you in connection with your use of certain aspects of this Website and may link information about your use of the Website with your Personal Information.
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Marketing
We may use your Personal Information and/or Non-personal Information to offer, market and advertise to you via the Website and/or through email or U.S. mail or affiliated marketing. We may communicate with you about Foreclosureavoidance.org’s services or third party services that may interest you. We may use Non-personal Information to conduct market research and analysis for ourselves. Foreclosureavoidance.org does not place any restrictions on the use of Non-personal Information.

Data Security

Security Measures
Foreclosureavoidance.org takes steps to protect your Personal Information.

Access to your Personal Information is restricted in the following ways: Foreclosureavoidance.org protects access to your Personal Information using secure communication channels in the collection and distribution of information to employee, and 3rd party affiliates.

Caution.
While Foreclosureavoidance.org will endeavor to safeguard your Personal Information, it cannot guarantee absolute security. You acknowledge agree that Foreclosureavoidance.org shall not be liable for any security breach that results from causes or events that are beyond Foreclosureavoidance.org’s control (such as acts of God, hacking, terrorism, power outages, defects in third party (including dealers’) security products and services, your own acts and omissions, and other similar events beyond Foreclosureavoidance.org’s control).

Disclosure to Third Parties.

General Disclosures.

Foreclosureavoidance.org may disclose your Personal Information in response to a subpoena or other court order, if otherwise required by law, or in an effort to cooperate with law enforcement.

Foreclosureavoidance.org may disclose your Personal information when Froeclosureavoidance.org believes that doing so is necessary or desirable (a) to enforce Foreclosureavoidance.org’s rights or defend against legal claims, (b) to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving personal threats to physical safety, allegations of intellectual property infringement or violations of privacy rights and/or (c) as otherwise required by law.

Foreclosureavoidance.org may disclose your Personal Information to third parties (including Foreclosureavoidance.org’s vendors and service providers) to enable them to provide services to you or Foreclosureavoidance.org, process orders for you or Foreclosureavoidance.org, process credit card transactions for you or Foreclosureavoidance.org, provide research or analysis for Foreclosureavoidance.org, provide data storage for Foreclosureavoidance.org, or assist Foreclosureavoidance.org in providing other content available through the Website and otherwise. Foreclosureavoidance.org may disclose your Personal Information in the event of a sale of substantially all of Foreclosureavoidance.org’s assets, the merger, dissolution, or reorganization of Foreclosureavoidance.org, or in connection with the transfer of a discrete portfolio of assets or information. If that happens, the new company’s privacy policy may govern the further protection, use, and disclosure of your Personal Information.

Sharing Information.
Foreclosureavoidance.org may share your information (including Personal Information) with third parties that provide services to Foreclosureavoidance.org or to You, including but not limited to our affiliates and partners and your lender. Foreclosureavoidance.org may also share your Personal Information with non-affiliated third parties so that they may offer, market and advertise products and services directly to you.

Foreclosureavoidance.org does not place any restrictions on the use or disclosure of Non-personal Information. Foreclosureavoidance.org may share it with anyone for any purpose.

California.
California Civil Code Section 1798.83 permits users of the Website who are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please send an email to [foreclosureavoidance.org@gmail.com.]

Managing Your Information.

Information Access.
Upon your request, Foreclosureavoidance.org will remove your Personal Information from Foreclosureavoidance.org’s records related to this Website. Doing this may prevent You from accessing and using the Website and the Foreclosureavoidance.org Services. If you wish to update/correct Personal Information you have already provided to us, or if you wish to remove your Personal Information from our records, please send your request to us via email at [foreclosureavoidance.org@gmail.com].
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Opting Out.
‍Email Marketing. You may choose to opt out of receiving marketing emails from us at any time by sending your request to us via email at [foreclosureavoidance.org@gmail.com]. the means (such as clicking “unsubscribe”) provided in our marketing emails. Please note, however, that your opt-out will apply only to marketing emails, not email communications about non-marketing correspondence or communications from 3rd party affiliates of Foreclosureavoidance.org.

Disclosure for Direct Marketing/Advertising Purposes.
Except with respect to Foreclosureavoidance.org’s service providers, and as otherwise set forth in this Privacy Policy, Foreclosureavoidance.org may share your Personal Information with non-affiliated third parties so that they may offer, market and advertise products and services directly to you.

COPPA
We do not knowingly collect Personal Information from children under the age of 18 on our Website. If we discover that any registration is made by child under the age of 18, such registration will be immediately and permanently canceled and removed from our Website, with or without notice.

Modifications to Privacy Policy
We may modify this Privacy Policy from time to time in our sole discretion. If we make a material change to this Privacy Policy, we will post such changes on our Website. We may also notify you of the changes via email. By continuing to use our Website after such notice, you are bound by this Privacy Policy as modified.
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Contact Information
If you have questions about this Privacy Policy, you may contact us via email at [foreclosureavoidance.org@gmail.com]. We will use reasonable efforts to respond promptly to reasonable requests or questions you may have regarding our use of your Personal Information.