Privacy Policy

Information We Collect

When you use HFG International, we may collect the following information:

• Personal identifiers: name, email address, and phone number
• Profile data: country of origin, visa type, language preference, realtor status
• Tool usage data: mortgage calculator inputs, document checklist requests, pre-qualification results
• Analytics data: pages visited, session duration, referral source, browser/device type
• Authentication: a secure JWT cookie to keep you signed in across visits

How We Use Your Information

We use the information we collect to:

• Provide personalized mortgage guidance, tools, and resources
• Send relevant follow-up emails via our drip campaign (you may unsubscribe at any time)
• Contact you about your mortgage inquiry when you are identified as a strong candidate
• Improve the site and understand how visitors interact with our tools

Data Storage & Security

Your data is stored in a secure SQLite database hosted on a private server operated by Home Financial Group LLC. We do not use cloud-hosted databases for personal data. All connections are encrypted via HTTPS. We retain your data for as long as your account is active or until you request deletion.

Third-Party Sharing

We do not sell, rent, or share your personal information with third parties. Your data stays entirely within Home Financial Group LLC. We do not use third-party advertising networks, data brokers, or analytics platforms that collect your data.

Cookies

We use two types of cookies: (1) A functional JWT authentication cookie (hfg_global_token) that keeps you signed in for up to 90 days — this cookie is essential for tool access and cannot be declined. (2) An optional analytics session used to track page views and improve the site. You may decline analytics cookies via the banner on your first visit.

Your Rights (GDPR & Privacy Rights)

Regardless of your location, you have the following rights regarding your personal data:

• Right of Access: You may request a copy of the data we hold about you.
• Right to Rectification: You may ask us to correct inaccurate information.
• Right to Erasure: You may request deletion of your account and all associated data.
• Right to Object: You may opt out of our email communications at any time via the unsubscribe link in any email.

Contact Us

To exercise any of your rights, or with questions about this privacy policy, please email us at mcevallos@homefg.com or write to: Home Financial Group LLC, 4303 NE 1st Terrace, Oakland Park, FL 33334.