Privacy policy

Effective date: August 17, 2025
Last updated: August 17, 2025

1) Who we are

javihomelender.com operates javihomelender.com (the “Site”) and related services (collectively, the “Services”).
Contact: [email protected]

2) Scope

This Policy explains how we collect, use, disclose, and protect personal information when you use our Site and Services, and your choices and rights. It does not apply to third-party websites and services linked from the Site.

3) Information we collect

We collect information in three ways:

A. You provide it directly, such as:

Account details (name, email, password)

Contact details (phone, address)

Payment information (processed by our payment processor; we do not store full card numbers)

User content (forms, messages, uploads)

Preferences (marketing, communication)

B. Automatically through your use of the Services, such as:

Device and usage data (IP address, browser type, pages viewed, time on page, referring/exit pages)

Cookies and similar technologies (pixels, SDKs, local storage)

Approximate location (derived from IP address)

C. From third parties, such as:

Login/identity providers (e.g., Google/Apple)

Analytics, advertising, and referral partners

Payment processors and fraud-prevention providers

4) How we use your information

We use information to:

Provide, operate, and improve the Services

Create and manage accounts; process transactions and payments

Communicate with you (service notices, updates, support)

Personalize content and measure performance

Detect, prevent, and respond to fraud, abuse, security risks, and legal requests

Comply with law and enforce our terms

Send marketing and promotional communications with your consent or as permitted by law (you can opt out anytime)

5) How we share information

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

Service providers/processors (hosting, analytics, payment, email, support, security) under contracts that limit their use to our instructions

Business partners

Affiliates (companies under common ownership and control)

Legal and safety: To comply with law, respond to lawful requests, or protect rights, safety, and property

Business transfers: In connection with a merger, acquisition, or asset sale (we’ll continue to protect your data per this Policy)

Targeted advertising / “Sharing” for cross-context behavioral ads (US state laws): If you share data for targeted ads, disclose categories, provide an opt-out mechanism (e.g., “Do Not Sell or Share My Personal Information”)

6) Cookies and similar technologies

We and our partners use cookies, pixels, and local storage to operate the Site, remember preferences, analyze usage, and deliver ads.
You can manage cookies in your browser settings. Some features may not work without certain cookies.

7) Your choices

Marketing: Opt out via links in emails or by contacting us.

Browser controls: Block or delete cookies through your browser.

Device settings: Limit app permissions and advertising identifiers.

8) Your privacy rights

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

Access and obtain a copy of your information

Correct inaccurate information

Delete your information

Restrict or object to processing

Port your information

Withdraw consent where processing is based on consent

How to submit a request: Email [email protected] We may need to verify your identity.

9) State-specific disclosures (United States)

California (CPRA):

Categories collected: Identifiers; commercial information; internet/usage data; geolocation (approx.); inferences

Sources: You, your devices, service providers, partners

Business/commercial purposes: As described in Section 4

Disclosure for business purposes: To service providers and processors

Sensitive personal information: We do not use SPI for inferring characteristics or for non-exempt purposes.

Non-discrimination: We will not discriminate for exercising your rights.

Virginia/Colorado/Connecticut/Utah: You may have rights to access, correct, delete, and opt out of targeted advertising, sale, or profiling in furtherance of decisions with legal or similarly significant effects.

Nevada: Nevada residents may opt out of the “sale” of covered information by contacting us at [email protected]

10) Data retention

We keep personal information only as long as necessary for the purposes described in this Policy, to comply with our legal obligations, resolve disputes, and enforce agreements. We apply documented retention periods and delete or anonymize data when no longer needed.

11) Security

We use administrative, technical, and physical safeguards designed to protect personal information. No system is 100% secure; please use the Services with appropriate care and notify us immediately of any suspected unauthorized activity.

12) International transfers

Your information may be transferred to, stored, and processed in countries other than where you live. Where required, we use appropriate safeguards (e.g., Standard Contractual Clauses) to protect your information. You can request a copy of these safeguards by contacting us.

13) Children’s privacy

Our Services are not directed to children under 13 (or older age as required by local law), and we do not knowingly collect personal information from children. If you believe a child has provided personal information, contact us to request deletion.

14) Do Not Track

Some browsers send “Do Not Track” signals. Because there is no industry consensus, we do not respond to DNT signals. We honor legally required opt-out signals where applicable (e.g., GPC for California “sale/share” opt-outs).

15) Third-party links and services

The Services may link to third-party websites, apps, or services. Their privacy practices are governed by their own policies. Review those policies before providing personal information.

16) Changes to this Policy

We may update this Policy from time to time. We will post the updated version and revise the “Effective date” above. If changes materially affect your rights, we will provide additional notice (e.g., email or prominent notice on the Site).

18) Contact us

Questions or requests?
Email: [email protected]