Privacy Policy

Home Mortgage Alliance Corporation (“HMAC” or “Company”) values your trust and is committed to safeguarding your personal information. Our belief in maintaining the confidentiality and security of the information we collect is reflected in our policies and procedures below. These privacy practices apply to all websites operated by HMAC to ensure your personal information remains protected.

Privacy Policy Disclosure
This policy is designed to inform individuals who are concerned about how their Personally Identifiable Information (PII) is collected and used online. Under U.S. privacy laws and information security standards, PII refers to data that can be used—alone or in combination with other information—to identify, contact, or locate a specific individual, or to identify an individual within a broader context. We encourage you to review this policy carefully to understand how we collect, use, protect, and manage your personal information through our website.

Privacy Promise
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information. This does not include employees, website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it’s release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

What personal information do we collect?
We collect information about you to better understand your financial needs and to deliver high-quality products and services in addition to complying with legal and regulatory requirements. The PII we collect includes the following:

  • Name, mailing address, email address, phone number
  • Information to facilitate automatic payments
  • Information regarding your computer and visits to company websites including IP addresses, type of browser, length of visit, page views, how users reached the website, etc.

When do we collect information?
We collect information when you visit a Company website, fill out a form or enter information on our site.

How do we use your information?
We may use the information we collect from you when you register, make a payment, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

  •  To improve our website(s)
  • Marketing/Advertising analysis
  • Search Engine Optimization (SEO)
  • To quickly and efficiently process your transactions
  • Responding to inquiries
  • To follow up after correspondence (live chat, email or phone inquiries)

How do we protect your information?
We do not conduct vulnerability scanning or scan to PCI standards, as we solely provide informational content and articles. We never request credit card numbers and utilize regular malware scanning to ensure site safety. Your personal information is stored on secure networks and is accessible only to a limited number of individuals with special access rights. These individuals are required to keep all information confidential. Additionally, any sensitive or credit-related information you provide is encrypted using Secure Socket Layer (SSL) technology.

To protect your personal data, we implement a range of security measures whenever you enter, submit, or access your information.

All transactions are securely processed through a third-party gateway provider and are neither stored nor processed on our servers.

Do we use “cookies”?
Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your web browser (if you allow) that enable the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For example, we use cookies to help facilitate the loan
payment process.

We use cookies for:

  • Authentication and session management
  • Fraud detection and prevention
  •  Security and data protection
  • User experience and personalization
  • Compiling aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use trusted third-party services that track information on our behalf such as Google Analytics and Facebook Pixel. The information obtained will be retained for no longer than one year.

Users can choose to have their computer warn them each time a cookie is being sent, or they can choose to turn off all cookies. Refer to your web browser’s Help Menu to learn more on how to modify your cookie preferences.

Third-party links
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Google
Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

We have not enabled Google AdSense on our site but may do so in the future.

How does our site handle Do Not Track signals?
We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third-party behavioral tracking?
It’s also important to note that we do not allow third-party behavioral tracking

California Consumer Privacy Policy (CCPA)
California residents are entitled to additional rights over their personal information. For more information about these rights and how to exercise them, please see our California privacy policy. California Online Privacy Protection Act (CalOPPA) CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

Pursuant to CalOPPA, we agree to the following:

  • Users can visit our site anonymously.
  • Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.
  • Our Privacy Policy link includes the word ‘Privacy’ and can easily be found on the page specified above.
  • You will be notified of any Privacy Policy changes:
    • On our Privacy Policy Page
  • Can change your personal information:
    • By logging in to your account

COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

We do not specifically market to children under the age of 13 years old or let third parties, including ad networks or plug-ins, collect PII from them.

CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address to:

  • Send information, respond to inquiries, and/or other requests or questions
  • To be in accordance with CANSPAM, we agree to the following:
    • Not use false or misleading subjects or email addresses.
    • Identify the message as an advertisement in some reasonable way.
    • Include the physical address of our business or site headquarters.
    • Monitor third-party email marketing services for compliance, if one is used.
    • Honor opt-out/unsubscribe requests quickly.
    • Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at info@homemac.com and we will promptly remove you from ALL correspondence.

Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

To be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

  • We will notify you via email
    • Within 7 business days
  • We will notify the users via in-site notification
    • Within 7 business days

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

Contacting Us
If there are any questions regarding this privacy policy, you may contact us using the information below.
www.homemac.com
4 Hutton Centre Dr., Ste. 500
SANTA ANA, California 92706
info@homemac.com
800-900-7040

Last Edited on 04-25-2025