Privacy Policy

Effective September 26, 2026. Version 2026-09-26-v1.

Who we are

Home & Life Options (homeandlifeoptions.com) is operated by Home and Life Options LLC (“we,” “us”), 200 W Monroe Street, Phoenix, AZ 85003. Questions: privacy@homeandlifeoptions.com.

Information we collect

• Information you give us: name, email, phone, state, ZIP, and the answers on the form you choose (for example, estimated home value, mortgage balance, debt amount, property address, date of birth, or coverage amount).
• Consent records: the exact consent wording shown to you, its version, whether you checked each box, and the date and time.
• Technical information when you submit: IP address, browser type (user agent), the page address, the referring page, and campaign tags in the link you followed.

We do not use advertising cookies, cross-site tracking, or third-party analytics on this site.

How we use it

• To respond to your request by phone, text, or email, as you chose.
• To connect you with a licensed partner, but only after we tell you the partner’s name and you agree.
• To keep proof of your consent, honor opt-outs, prevent fraud and duplicate requests, and meet legal obligations.

How we share it

We do not sell your personal information, and we do not share it for cross-context behavioral advertising. We share it only: (1) with a licensed partner you have agreed to; (2) with service providers that host and secure our systems under confidentiality obligations; and (3) when required by law or to protect our rights. If our business is sold or reorganized, your information may transfer with it under this policy.

How long we keep it

We keep submissions and consent records for five (5) years after our last contact with you, then delete or de-identify them. We keep opt-out records longer so that we continue to honor them.

Opting out of calls and texts

Reply STOP to any text, tell us on a call, or email privacy@homeandlifeoptions.com. We honor opt-out requests made by any reasonable means within ten (10) business days, and usually much sooner.

Your privacy rights

Depending on where you live (including California, Colorado, Connecticut, Virginia, Texas, Oregon, and other states with consumer privacy laws), you may have the right to:

• know and access the personal information we have about you;
• correct inaccurate information;
• delete your information;
• get a copy in a portable format;
• opt out of the sale or sharing of personal information, targeted advertising, and profiling (we do none of these);
• limit the use of sensitive personal information (we use it only to respond to your request); and
• not be discriminated against for using these rights.

To make a request, email privacy@homeandlifeoptions.com or use Your Privacy Choices. We will verify your request using the email or phone number you gave us and respond within 45 days (we may extend once by 45 days if needed and will tell you). You may use an authorized agent. If we deny your request, you may appeal by replying to our decision with “Appeal” in the subject line; we will respond within the time required by your state’s law. We honor Global Privacy Control (GPC) browser signals as an opt-out of sale and sharing.

California residents: in the past 12 months we collected identifiers, customer-record information (such as financial estimates you entered), characteristics (such as age from date of birth), internet activity (IP address and browser type), and geolocation limited to state and ZIP, from you, for the purposes above. We have not sold or shared personal information and have no actual knowledge of selling or sharing information of anyone under 16.

Security

Information is sent over encrypted HTTPS connections and stored encrypted with restricted access. No system is perfectly secure.

Children

This site is for adults 18 and older. We do not knowingly collect information from anyone under 18.

Changes

We will post changes here with a new effective date. Material changes apply only to information collected after the change.