HomeIQ Academy

1. Introduction

HomeIQ Academy ("we," "our," or "us") is committed to protecting the privacy of our users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and web platform (collectively, the "Service").

2. Information We Collect

Account Information: When you create an account, we collect your name, email address, and password.

Financial Profile Data: To calculate your Readiness Score, we collect self-reported financial information including credit score range, monthly income, monthly debts, down payment savings, and target home price. We do not pull your credit report or access your bank accounts.

Learning Progress: We track which lessons you complete, quiz scores, XP earned, and module progress.

Messages: We store messages exchanged between you and your real estate agent within the app.

Usage Data: We collect standard analytics including device type, operating system, and app interactions to improve the Service.

3. How We Use Your Information

Calculate and update your personalized Readiness Score
Track your learning progress across modules
Enable communication between you and your real estate agent
Generate AI-powered nurture messages from your agent
Send transactional emails (onboarding confirmation, score alerts, module completion)
Improve and optimize the Service

4. Information Sharing

We share your information only in the following circumstances:

With Your Agent: Your real estate agent can view your Readiness Score, progress, financial profile summary, and messages you send them.
Service Providers: We use Supabase (database/auth), Anthropic (AI message generation), Resend (email delivery), and Stripe (agent billing). These providers process data on our behalf under data processing agreements.
Legal Requirements: We may disclose information if required by law or to protect our rights.

We do not sell your personal information to third parties.

5. Data Security

We implement industry-standard security measures including encrypted data transmission (TLS), secure authentication tokens, row-level security policies on our database, and secure credential storage on mobile devices. However, no method of electronic transmission or storage is 100% secure.

6. Data Retention

We retain your data for as long as your account is active or as needed to provide the Service. You may request deletion of your account and associated data by contacting your agent or emailing us.

7. Your Rights

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

Access the personal data we hold about you
Request correction of inaccurate data
Request deletion of your data
Object to or restrict processing of your data
Request data portability

8. Children's Privacy

The Service is not intended for users under 18 years of age. We do not knowingly collect information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the "Last updated" date and, where appropriate, providing additional notice within the app.

10. Contact Us

If you have questions about this Privacy Policy, please contact us at support@homeiqacademy.com