Privacy Policy and Terms of Use
Whether you are a first time home buyer, or simply a home buyer seeking down payment assistance, please read and understand the entirety of our privacy policy and terms of use. Down Payment Solutions, Inc. has an open window policy on how we operate and what we do. This site is about you! We want you, our visitors, to understand how we function as an organization. Items not addressed here, are addressed in the applicable web pages throughout this site.
This Privacy Policy and Terms of Use explains what we do with the personal information that we collect from our users and the information contained on this site. We may change our policy from time to time, so we suggest that you check our web site from time to time to ensure that you know about our current policy. If you have any questions or concerns regarding this policy, you should contact our office.
Down Payment Solutions™ asks for your contact information and request the particulars of your reason for choosing to contact us.
We also collect IP addresses to help us understand how our participants use our site and to gather broader demographic information, so that we can make our site better and improve our users’ overall experience when they visit the Down Payment Solutions™ web site. We use a feature known as a “cookie.” Cookies contain bits of information that Web sites transfer to your computer’s hard drive for record keeping purposes. These cookies are delivered from our server and designed for the sole purpose of tracking those individuals and companies that would attempt to duplicate our content illegally and identify weaknesses in our website content. This information is used for no other purpose and the information we store is disposed of after each site audit. This cookie is further explained in our copyright section outlining how this information is used to protect our legal rights.
Google Advertisers
We use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies,
- Google, as a third party vendor, uses cookies to serve ads on our site.
- Google’s use of the DART cookie enables it to serve ads to our users based on their visit to our sites and other sites on the Internet.
- Users may opt out of the use of the DART cookie by visiting the Google Ad And Content Network Privacy Policy.
The DoubleClick DART Cookie is used by Google in the ads served on publisher websites displaying AdSense for content ads. When users visit an AdSense publisher’s website and either view or click on an ad, a cookie may be dropped on that end user’s browser. The data gathered from these cookies will be used to help AdSense publishers better serve and manage the ads on their site(s) and across the web.
Children
If you are under 18, you may use this site with the permission of your parents. However, please do not click on sponsor links, advertisements, nor complete any application or form submission if you are under the age of 18, and/or have no interest in the products they offer. Please respect this sites content, as this site very much respects our visitors.
How Down Payment Solutions™ Discloses Your Personal Information
Down Payment Solutions™ will only disclose any personally identifiable information about individual users who contact us concerning programs using our online contact form or to comply with applicable laws or valid legal process. Remember, contacting Down Payment Solutions™ is not a requirement for using this site, nor is making a donation or completing the loan application. All are only options you can choose to exercise.
We may choose to disclose personally identifiable individual information provided via our contact form you provide us to our Lender/Broker/Banker sponsors and Realtor® relations or our Local Partners of all classes, for the sole purpose of assisting you in the purchase of a home should you contact us using our online form and ask for assistance.
Local Lender/Broker/Bankers, Realtors®, Appraisers, Home Inspection Agencies, Survey Companies and Title Company Partners, Site Sponsors and Advertisers.
While we strive to prescreen all participating Sponsors and Local Partners in addition to maintaining up to date content, you agree through your voluntary use of this site, that upon selecting “contact” and sending data to Down Payment Solutions™, or upon contacting a Local Partner/Sponsor/Advertisers site or Charity/Grant Agency, to indemnify and hold harmless Down Payment Solutions, Inc. and its owners from any and all claims of assumed or actual damages which may result, regardless of your Claim Type or Claim Against Down Payment Solutions, Inc. and its Ownership. Since this is a FREE service to you, remember we have no control over third party: sites, content, employees etc. and this site contains free information and tools. You participate and use this free information, tools and third party services at your own risk. If any part of this agreement and section is found to be void, you agree the maximum total damage award from Down Payment Solutions, Inc. and its Ownership may not exceed $1.00 US Currency and that each party is solely responsible for there own legal costs.
Our Local Partners are relevant websites we believe offer value to you. We encourage you to apply the lessons in our home buyer education section when dealing with any of the local companies listed under our Local Partner program. None of these companies compensate Down Payment Solutions, Inc. for being listed. Some of these companies do however support our site via a link to our site from their website. In many cases, these sites may not link back to us, but are resource we believe offer significant value to justify listing their website resource without there support of our resource.
Our MLS Search is being developed as a compilation of localized Real Estate Agent websites. We use the Local Partners MLS Search page to power this option for your benefit. In no instance is Down Payment Solutions, Inc. compensated by any party for these MLS Search links. They are here exclusively as a service to you, our visitors. We encourage you, if seeking a professional Real Estate Agent, to consider interviewing one of our Local Partners. A Real Estate Agents listing within our preferred program is not an endorsement of Down Payment Solutions™ by any Real Estate Agency Franchise nor the National Association of Realtors®.
Down Payment Solutions, Inc. does endorse the National Association of Realtors® and its members and believes this is where you, the home buyer, will consistently find the highest quality Real Estate Professional.
With sponsors and advertisers, be leery of ANY company requiring you to Purchase information! Some advertisers on this site are outside our quality control and delivered exclusively by Google®. If an advertiser requires that you purchase something to get specific information, think twice. We are not responsible for the privacy policy, terms of use, content, requirements or the activities of these third party sites.
We may also disclose your contact information and the other information that you provide us in the following circumstances:
- We may employ other companies and individuals to perform functions on our behalf. They may have access to personal infor to perform their functions, but they will not be able to legally use it for any other purposes.
- In those instances where a loan application or real estate agent application has been submitted through this site (see the below partnership disclaimers), the application will be forwarded to the participating sponsor or partner. You recognize and accept that we have no control over where you information is sent once the information is forwarded to these third parties.
- Where inquiries are made directly to us for assistance of any kind related to a real estate agent, home loan or downpayment assistance, we may choose to provide the information directly to you should we have no sponsors/Local Partners in your area or forward your information to a partner site for the applicable follow up response.
- We may be unable and are under no obligation, to respond to any inquiry regarding additional assistance information. We encourage you to contact the grant and charity organizations directly for further details.
The Home Loan “Apply” Online
The Down Payment Solutions™ website does not offer down payment assistance nor any other real estate related products for sale including mortgage loans. We strive very hard to find these resources and put them all together in one location for the benefit of you, our visitors. This research comes with a cost. Down Payment Solutions, Inc. has found what we consider to be a high quality partner. The application you find within this site is a courtesy offered by the Down Payment Solutions™ website and a Regional Mortgage Company .
This site is NOT compensated for each unique mortgage loan applicationsubmitted via this site. Again, Down Payment Solutions, Inc. does not offer nor originate any type of mortgage loan program or product. We receive NO Compensation for any mortgage inquiry provided by this relationship and only our advertisers delivered via Google Ads helps to defray the cost of maintaining this resource and it is hoped, allow us to expand the tools available to our visitors in the future.
Do Not Complete This Application If You Are Not Looking nor Interested In A Mortgage Loan! You should receive only one inquiry from the mortgage company and a quote opportunities concerning your loan application.
In keeping with our good faith to you, our visitors, this information is made very clear about where all information goes. We want you, as our visitor, to know precisely what the application is for, and why the application is present on this site. As always, you are under no obligation to take any actions. This site will continue adhere to its philosophy of being about you first!
Trademark and Copyright
All trademarks on this site are owned exclusively by their respective owners and are used here exclusively in editorial pieces which represent the opinions of the writers concerning home buyer matters. The content on this site, to include our Home Buyer Education Manual and Grant and Charity Manual are on file with the U.S. Copyright Office and fully protected by U.S. Copyright Laws Registration #TX0006199019.
Errors and Omissions:
Down Payment Solutions, Inc. and its ownership have spent years compiling, through direct use of, and in most instances, pure research, these resources for your benefit. Much of the information on this site comes from the owners of Down Payment Solutions, Inc. and other authors with real life industry experience in banking, real estate angage profession and is not designed to be an “Authoritative” resource of facts. The authors and site have made every effort to maintain the accuracy of all information as any company can given the daily changes within the industry itself.
Down Payment Solutions, Inc. and its Ownership makes no warranty expressed or implied as to the usefulness or accuracy of the information contained within this site. All information should be used, and in some instances applied, with care and caution to any specific individuals circumstances. There is no warranty expressed or implied to any visitor to this site by neither Down Payment Solutions, Inc. its Ownership or any author who contributes freely to this resource for your benefit. This disclaimer include those who use the site as an information resource and those that use this site in E-Book form.
As errors are found, and this site is made aware, corrections are made as quickly as possible to reflect the most current and accurate information available. It is always recommended that any user of any information gather as much independent assessment before taking any written opinion as fact. All users of this resource should understand that the Real Estate Industry, Credit Industry and the Mortgage Industry are always changing and as such the information on this site may not be the most current nor the most accurate available at any given time.
Your Responsibility
The information you post with Down Payment Solutions, Inc. may not be made available to the public unless you provide specific instruction authorizing the use of statements for our site.
Excluded from this is: Articles submitted via the Article Submission, which are covered by its own legal disclaimer; any site feedback sent using our Site Feedback form. Essays submitted through our various contests. We may, at our sole discretion, use this information from our site feedback form for the purpose of promotion of our service; Any promotion done on site which again, is covered by its own independent legal disclaimer. You agree, upon submitting information using this Site Feedback form, to hold this website and its owner harmless from any claims of damage. This include the Article Submission and Any other submission addressed via its own legal disclaimer.
Furthermore, while we do our best to protect your personal information, Down Payment Solutions, Inc. cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk.
We will liberally provide links from our site to others we believe are beneficial or entertaining to you, our visitors. If you follow these links from our site, you should be aware that these other sites have their own privacy and data collection practices. Down Payment Solutions, Inc. has no responsibility or liability for these independent policies nor for the content these sites contain. For more information regarding a site and its privacy policies, check that sites privacy policy.
This site does not provide down payment help and is not a “501c3 Not-For-Profit “. This site is designed to help home buyers quickly find both Government Assistance and Multiple 501c3 organization, all in one place, and partner visitors with qualified Lender/Broker/Bankers and Realtors®, Home Inspectors, Survey Companies, Title Companies and additional recources which may facilitate the success of their home purchase. We are a “For Profit” enterprise.
In instances where no Lender/Broker or Realtor sponsor/Local Partner is established, you may receive no contact from any party. In instances where you have contacted this site, typically your information is destroyed and not provided to any participant, however, we try to respond to every inquiry in a timely fashion with links that point you in the right direction.
Take heart in that the information on this site is yours to use. You DO NOT need to contact us, nor make any form of contribution through this site in order to take action and contact the assistance programs directly. We encourage it. The most assured way of achieving success in the purchase of your home is to take ownership and control over the entire process.
Contacting Us
If you have any questions or comments about the practices of this site, or your dealings with us, you may contact us at any time.