Privacy Policy

Instant Cash Offer Privacy Policy

1. Introduction

This privacy policy describes how Instant Cash Offer collects, discloses, and uses your information when you access our services. This policy applies to all of the products and services owned and operated by Instant Cash Offer, including the content, features, data, and software available on www.instantcashofferusa.com, our mobile applications, and other websites or applications that we operate (“Services”). For California residents, please see our Supplemental California Consumer Privacy Act Rights Notice at the end of this privacy policy.

To learn about the privacy practices of our affiliates, please visit their respective privacy policies at [Affiliate Privacy Policy URL].

2. The Kinds of Information We Collect

a. Information You Provide

We collect content, images, and other information that you provide to us when you access our Services, including when you complete webforms on www.instantcashofferusa.com or in our mobile application; create an account with us; communicate with us about our Services via comments, direct message, e-mail, SMS message, or phone; or respond to one of our surveys.

Categories of personal information that you may provide to us include:

- Your name, address, phone number, and e-mail address;

- Your account log-in details;

- Photos and videos of your home (including metadata in the file);

- Circumstances related to your purchase or sale of a home;

- Homes you visit or view through our Services and your opinions about those homes;

- Reviews or comments you leave on our Services or on other public websites or Services associated with us, such as social networking platforms;

- Your driver’s license or state ID information;

- Real estate offer letters;

- Information related to your financial ability to buy a home;

- Citizenship status (for tax calculation purposes); or

- Marital status (for tax calculation purposes).

When you request an offer for your home or do a virtual interior assessment with us, please do not provide photos or record videos with people or any sensitive information in them.

b. Information We Collect from Your Device(s)

We may collect the following information, which may or may not constitute personal information, from the device that you use to access our Services:

- Device attributes such as the operating system, hardware and software versions, battery level, signal strength, bandwidth, available storage space, browser type, app and file names and types, and plugins;

- Information about operations and behaviors performed on the device, such as mouse movements (which can help distinguish humans from bots) or whether a window is in the foreground or background, as well as recording clicks, mouse movements, scrolls, keystrokes, and other information about your browsing session;

- Identifiers unique to you, your device, or your account(s), such as device IDs, advertising IDs, and other similar static ID numbers such as those from apps or accounts you use;

- Information you allow us to receive through device settings you turn on, such as access to your GPS location;

- Network and connection information such as the name of your mobile operator or ISP, language, time zone, mobile phone number, and IP address; and

- Data from cookies, tags, pixels, web beacons, and log files stored on your device, including cookie IDs, page views, how often you visit our Services, and links you click on, as well as recording clicks, mouse movements, scrolls, keystrokes, and other information about your browsing session.

Our Services do not respond to Do Not Track signals.

c. Information We Collect When You Call Us

We may monitor or record phone or video calls with you for quality purposes. Our customer service team members also enter certain personal information you provide into our customer service databases to ensure continuity and consistency throughout your experience with Instant Cash Offer.

d. Information We Collect from Partners, Service Providers, and Affiliated Businesses

We may collect information about you from our partners, service providers, and affiliated businesses in order to provide the Services, along with certain related products and services such as home financing, title insurance, escrow services, homebuilder partnership programs, real estate agent partnership programs, and, in cases where Instant Cash Offer is not able to buy your home, other potential purchasers or brokers, or to listing agents who may be able to help with your home sale.

Information we gather about you from our partners, service providers, and affiliated businesses may include:

- Multiple Listing Service (MLS) information about your home or the home(s) you are interested in buying;

- Prequalification letters from financial institutions;

- Construction or purchase contracts;

- Verification of your identification and a risk score about you prior to allowing you smart-lock-enabled entry into a Instant Cash Offer-owned home;

- Information related to completion of the construction of your new home (if you are working with a homebuilder);

- Information about the condition of, and repairs to, your home and property;

- Information related to your home purchase, sale, moving dates, and financing in connection with helping us facilitate “trade-in” deals;

- Information about whether you may need homeowners insurance; or

- Information about how you engaged with the Instant Cash Offer website, such as recording clicks, mouse movements, scrolls, keystrokes, and other information about your browsing session, or how you engaged with a Instant Cash Offer advertisement or social media post.

Our service providers may collect information on our behalf. For example, third parties that we engage may collect information about your online activities over time and across different websites when you use our Services.

e. Information We Collect from Public Sources

Much of the information necessary to help you buy or sell your home is available from public sources, such as government entities. We sometimes collect information from these sources so that you do not have to spend time looking for and aggregating it for us. For example, we may collect the following information about you and your home from public sources:

- Tax assessments of your home;

- The school district and public transportation available near your home;

- Information contained on the deed to your home, such as name, address, liens, encumbrances, and title;

- Sale prices of homes similar to your home (called “comparables”);

- The number of bedrooms and bathrooms in your home;

- Whether your home has access to features like a beach, boat dock, or parking garage;

- Whether your home is in an earthquake or flood zone or has any other condition that would affect its market value;

- Permits issued for remodels and additions;

- The finished and unfinished square footage of your home; or

- The year your home was built.

f. Information We Collect Through Our Mobile Applications

When you access our Services through our mobile applications, we may receive certain mobile device data such as a unique identification number associated with your device, your device type and manufacturer, your mobile carrier, subscriber status, payment method, phone number, caller ID data, or, depending on your mobile device settings, your location information, including GPS coordinates. This information may also include a recording of your clicks, scrolls, keystrokes, and other information about your mobile app session.

We generally collect this information to provide and improve your experience with the Services and to verify the identity and location of people who access Instant Cash Offer homes. This helps us keep you and our properties safe.

When you first launch our application or when you use it to visit a Instant Cash Offer home, you may be asked to allow us to access your geographic location. If you initially consent to this

collection, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. We may also request your permission for our application’s collection and storage of other information from your device, such as photos and videos, address book information, and your social media accounts. If you initially consent to this collection, you can subsequently stop the collection of this information at any time by changing the settings on your device.

In addition to cookies, we may also use “local storage” to store information on mobile devices. Local storage is similar to cookies, but it can store larger amounts of data. If you initially consent to our use of local storage on your mobile device, you can subsequently stop the collection of this information at any time by going to your device settings.

g. Information We Collect from Social Media and Other Content Platforms

We may obtain information from social media platforms and content platforms when you engage with Instant Cash Offer on those platforms or use them to log into our website or mobile applications. We may also collect information about your usage of these platforms. Please review your privacy settings and the privacy policies of these platforms if you have concerns about sharing information with us or about providing information to other members of these platforms.

h. Information from Online Behavioral Advertising

We may collect information about your activity on third-party websites, apps, and other online services, through the use of cookies, pixels, and other technologies. For example, we may collect information about the browser you are using, the type of operating system you are using, the landing page on a third-party website, the location of your device, or other technical and behavioral information. We use this information for advertising and analytical purposes.

3. How We Use Your Information

a. To Provide the Services and Improve Them

We may use your information to provide you with the Services, and to allow us to do the following:

- Help you obtain a home loan, escrow services, title insurance, home insurance, home warranty, and other services associated with the sale or purchase of a home;

- Offer you information about affiliated products or services (e.g., homebuilder partnership programs, home valuation products, and real estate agent partnership programs);

- Verify your identity, perform background checks, or assess your creditworthiness;

- Confirm ownership of your home;

- Schedule visits and inspections of your home;

- Show you homes and gather information to evaluate them for purchase;

- Show your home to potential buyers;

- Enable our partners to offer you services;

- Send you e-mail notifications about your request for an offer to buy your home;

- Process any financial or financial capacity inquiries related to purchasing your home;

- Send you marketing communications (where you have asked us to do so) that you have agreed to receive; or

- Personalize the information we provide and help you plan, research, and share the details of your home or homes you may be interested in buying.

We use the information that you provide and that we collect from your device to:

- Provide you with customer service and support for our Services;

- Help us recognize you and provide you with a more personalized experience, such as creating a profile for you so you do not have to re-enter your data;

- Develop new features, products, or services;

- Improve the quality of the Services;

- Send you alerts related to the Services; or

- Perform analysis and research aimed at improving our Services.

b. For Marketing and Advertising

We may use your information to send you marketing communications about products, services, offers, promotions, and events that we believe may be of interest to you. We may also contact you to remind you to book a home tour or to provide you with information about other aspects of our Services, such as:

- Available homes;

- Offers to buy homes or homes we are listing for sale;

- Real estate agent services and real estate agent partnership programs; or

- Our affiliate and partner programs.

You can stop receiving our marketing communications at any time, and you can change your marketing preferences by clicking the “unsubscribe” link that is included in e-mail communications or by contacting us.

c. To Protect You, Others, and Us

We may use your information to maintain a safe environment for our Services and to verify your identity. For example, we may use your information to:

- Confirm who you are;

- Confirm ownership of the home;

- Compare the address you provide with a government ID to determine whether you are a resident of the home you are selling;

- Confirm that someone has not misrepresented his or her identity, age, or other biographical information; or

- Use your GPS location to confirm you are at the home you said you would visit.

We also use your information to prevent and detect fraud and potentially illegal activities. This can help protect you and us from people using our Services for reasons other than those for which they were offered.

d. To Comply with Legal Obligations

We may use your information to:

- Fulfill legal obligations such as those imposed by tax authorities and other government entities;

- Abide by rules related to your occupancy of a Instant Cash Offer home; or

- Prevent other types of harm.

e. For Research and Development

We may use information that we collect about you and other users to perform research and analysis aimed at improving our Services, as well as the development of new features and products.

f. With Your Consent

We may use or share your information with your consent, such as when you authorize us to share your information with other partners or service providers or to receive marketing communications from us. To understand your choices regarding such uses, please see the section below entitled "Your Choices."

g. In Connection with a Sale or Change in Control

If all or part of Instant Cash Offer is sold, merged, or otherwise transferred to another entity, we may transfer your information to the entity that acquires or is merged with Instant Cash Offer. This could include an outside entity that acquires all or part of Instant Cash Offer or its assets, such as homes or intellectual property. You should be aware that if such a transfer occurs, you will need to reach out to that entity to inquire about how your information will be treated. Also, there may be cases in which Instant Cash Offer uses or shares your information in connection with the contemplated or actual financing, securitization, insuring, sale, assignment, or other disposal of all or part of Instant Cash Offer or our business or assets, including your information, as part of a due diligence review.

4. How We Share Your Information

a. When You Request an Offer for Your Home

We share your information with third-party vendors that help us provide you with an offer for your home. They may use your information to create an offer for your home, which can take into account other factors affecting your home, such as home inspections. These vendors may also use the information you provide to send you marketing materials if you indicate that you would like to receive them.

In order to provide you with the best offer for your home, we may share your information with more than one third-party vendor. These vendors may also reach out to you via e-mail, telephone, or text message to assist you in selling your home. Your personal information may be disclosed to third parties who assist with your transaction and who provide services related to the offer. Your consent to be contacted by these vendors is not a condition to selling your home through Instant Cash Offer.

In order to provide you with a

loan or home insurance offer, we may share your information with more than one third-party vendor. These vendors may also reach out to you via e-mail, telephone, or text message to assist you in selling your home. Your personal information may be disclosed to third parties who assist with your transaction and who provide services related to the offer. Your consent to be contacted by these vendors is not a condition to selling your home through Instant Cash Offer.

If you decide to work with one of these vendors, their use of your information will be subject to their own privacy policies. For example, when you apply for a mortgage loan with one of our affiliates, their use of your information is governed by their privacy policy.

When you request an offer for your home, you may be contacted by us or by a third-party vendor about your home and the associated real estate transaction. We may also share your information with third-party vendors that provide the following services:

- home valuation services,

- escrow services,

- title insurance services,

- home inspection services, and

- home warranty services.

In addition to disclosing your information to the third-party vendors that we use to provide you with a home offer, we may also share your information with our affiliates or partners. If you want to learn more about how we share your information with our affiliates and partners, you can contact us.

When you submit an offer request to us or a request for financing for a home, the information that you provide will be shared with more than one lender so that you can receive an offer that best suits your needs. We may also share your information with more than one home insurance company or warranty company in order to provide you with quotes from multiple providers. We may also share your information with our partners in order to provide you with loan offers and home insurance offers that may be relevant to you.

b. With Service Providers

We may share your information with service providers that help us operate and support our Services. These can include service providers that help us verify your identity, check your creditworthiness, and perform background checks. These providers may also help us with customer service, e-mail delivery, or other support services.

c. With Our Affiliates and Partners

We may share your information with our affiliates and partners who offer products and services that may be of interest to you. We may also share your information with third parties in connection with a co-branded product or service you request. When you receive information from our affiliates and partners, you may be able to opt out of future communications.

d. With Advertising and Marketing Partners

We may share your information with advertisers and marketing partners. We may also use the information that we have collected about you to enable us to display advertisements. These advertisements may be offered based on your personal information and interests. If you would like to change how we use your information, you can change your preferences by contacting us.

e. For Legal or Regulatory Reasons

We may share your information with third parties when we are legally required to do so. This includes sharing your information with law enforcement or other government entities. Additionally, we may share your information with third parties when we believe that it is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

f. In Connection with a Sale or Change in Control

5. Your Choices

a. Opting Out of Marketing Communications

You can change your marketing preferences by clicking the “unsubscribe” link included in e-mail communications or by contacting us. If you decide to opt out of marketing communications, you will still receive alerts from us about the Services, such as confirmation of any purchases you make or when your offer is expiring.

b. How to Update or Delete Your Account Information

If you want to update or delete the information in your account, please contact us. To delete your account or request deletion of your personal information, you can contact us.

Please note that we may retain certain information that you submit for recordkeeping, compliance, or legal reasons.

c. How to Choose Your Cookie and Tracking Preferences

You can manage the cookies and tracking preferences in your browser or device settings. However, if you choose to block cookies or other tracking technologies, you may not be able to access certain areas of our website or use some of the features of our Services.

d. How to Control Location-Based Services

You can control location-based services through the settings on your mobile device. You may also be able to control what location-based services you use with the website or mobile applications, or the settings on your device.

e. How to Opt Out of Information Sharing for Advertising and Analytics

To opt out of sharing your information for advertising and analytics, you can adjust your cookie and tracking preferences in your browser or device settings.

f. How to Revoke Consent

You can revoke your consent for the collection and use of your information by contacting us.

6. Your Rights in California

If you are a California resident, you have specific rights related to your personal information. You can learn more about your California privacy rights in our "California Privacy Rights" section, which is located here.

7. Children’s Privacy

Our Services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18 years of age.

8. Your Data Security

We take your data security very seriously, and we use reasonable administrative, technical, and physical security measures to protect your information. If you have any questions or concerns, please contact us. Keep in mind that we cannot guarantee the security of information that is transferred to us or collected by us, or that is provided to you by us. Also, it is important that you keep your information confidential and do not share your password or any other information about your account with anyone else. If you suspect that your password or information has been compromised, please contact us.

9. Privacy Practices of Third Parties

This Privacy Policy covers only how Instant Cash Offer collects and uses information. While we work hard to provide you with reliable Services, we are not responsible for the privacy practices of third parties who have their own privacy policies. Also, when you click on a link to another website or location, such as a link to the website of a real estate agent or other home seller, the operator of that website may collect information about you and your online activities, including through cookies, web beacons, and other technologies. This operator may have its own privacy policy, which we encourage you to review. If you decide to visit a third-party website, you should do so with caution and review that website's privacy policy before making an online purchase or providing your personal information.

10. Updates to Our Privacy Policy

We may occasionally update this Privacy Policy. When we do, we will post the date of the last update at the top of the policy. If we make any material changes to this policy, we will notify you by e-mail. You can review any changes to this policy by revisiting this page.

11. How to Contact Us

You can contact Instant Cash Offer with any questions or comments regarding our privacy policy. Our contact information is as follows:

Instant Cash Offer

1234 Main Street

Anytown, USA

Phone: (123) 456-7890

E-mail: info@instantcashofferusa.com

12. California Privacy Rights

This section provides additional details about the personal information we collect about California consumers and the rights afforded to them under the California Consumer Privacy Act (“CCPA”).

a. Information We Collect

The categories of personal information we collect are described in section 2 above.

b. How We Use Your Information

We collect this information for the purposes described in section 3 above.

c. How We Share Your Information

We share your information with the categories of third parties described in section 4 above.

d. Your California Privacy Rights

As a California consumer, you have the following rights:

- The Right to Know: You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Your Rights), we will disclose to you:

- The categories of personal information we collected about you.

- The categories of sources for the personal information we collected about you.

- Our business or commercial purpose for collecting or selling that personal information.

- The categories of third parties with whom we share that personal information.

- The specific pieces of personal information we collected about you (also called a data portability request).

- If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:

- Sales, identifying the personal information categories that each category of recipient purchased; and

- Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

- The Right to Request Deletion: You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Your Rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

- The Right to Opt Out: You have the right to opt out of the sale of your personal information.

- The Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not deny you goods or services, charge you different prices or rates for goods or services, provide you with a different level or quality of goods or services, or suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

- The Right to Know

To exercise the right to know, please submit a verifiable consumer request to us by either:

- E-mailing us at info@instantcashofferusa.com

- Calling us at (123) 456-7890.

You may only make a verifiable consumer request for access to your data twice within a 12-month period. The verifiable consumer request must:

- Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.

- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us.

We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

- The Right to Request Deletion

To exercise the right to delete, please submit a verifiable consumer request to us by either:

- E-mailing us at info@instantcashofferusa.com.