Fact Checked

Privacy Policy

Privacy Policy

Welcome to the Waterfall Media, LLC Privacy Policy

When you visit www.homeowner.org, and when you use our services, you entrust us with your information. This Privacy Policy provides details related to what information we collect, how we collect it, how we use it, how we protect it, and your options related to such practices. You may direct any questions related to this Privacy Policy to support@homeowner.org.





Thank you for visiting www.homeowner.org (the “Website”), which is owned and operated by Waterfall Media LLC (“homeowner.org” or “us” or “we” or “our”). We are committed to complying with applicable privacy laws and with this Privacy Policy, which constitutes a binding agreement between you and homeowner.org.

Scope of Application

This Privacy Policy applies to information collected:

This Privacy Policy does NOT apply to information collected:

Your Acceptance of this Privacy Policy

You agree to be bound by this Privacy Policy when you:

If you do not agree to the terms of the Privacy Policy, please exit the website.

Changes to this Privacy Policy

When we make any changes to this Privacy Policy, we post a notice on www.homeowner.org that indicates our Privacy Policy has been updated. We also provide, at the top this Privacy Policy, the date this Privacy Policy was last updated. Furthermore, when we make material changes to how we treat our users’ information, we take additional measures.

Although we make reasonable efforts to notify you of any changes, you are ultimately responsible for ensuring we have an up-to-date, active and deliverable e-mail address for you, and for periodically visiting our Website and reviewing Privacy Policy to check for any changes.

Material Changes

If we make material changes to how we treat our users’ personal information, we will notify you:

Material changes do not apply retroactively to information collected prior to the material change, unless affirmative agreement is provided by users; however, please be advised that material changes apply to all future information collected according to the updated policy.

If you do not agree to changes to the Privacy Policy, please exit the Website.

Information Collection Practices

We collect different types of information from and about users of our Website.

How We Collect Information

We collect information:

Information You Provide to Us

The information we collect on or through our Website may include:

You also may provide information to be published or displayed (hereinafter, “posted”) on public areas, such as user forums or user comment sections of the Website, or transmitted to other users of the Website or third parties (collectively, “User Contributions”).

User Contributions are posted on and transmitted to others at your own risk. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons. Read our Terms of Use for related information.

Information We Collect through Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns, including:

The information we collect automatically does not normally include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

The technologies we use for this automatic data collection may include:

Please note that we reserve the right to retain cookie data indefinitely.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). For information related to how you can opt out of behavioral tracking on this Website and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking, please read under “Choices About How We Use and Share Your Information”.

Top ^

Third-party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers and application providers. These third parties may use cookies, web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers visit http://networkadvertising.org.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any Personal Information:

We may also use your information to contact you about our own and third-parties’ goods and services that may be of interest to you. If you do not want us to use your information in this way, please review under “Choices About How We Use and Share Your Information”.

We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

How We Share Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

We may also disclose your personal information:

Choices About How We Use and Share Your Information

We strive to provide you with choices regarding the personal information you provide to us.

You can use the methods below to control certain aspects about how we use and share your information:

Notwithstanding the foregoing, we may contact you for the purpose of communicating information requested by you when you submit a Contact Request, which is an online method of providing your contact information to us for future communications with you related to the topic that you have requested information about, such as learning more about unemployment benefits or information about educational institutions. To no longer receive such communications, do not submit a Contact Request.

Accessing and Correcting Your Information

You may also send us an e-mail at support@homeowner.org to request access to, correct or delete any personal information that you have provided to us.

We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect. We may also decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others or would be extremely impractical.

If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including User Contributions, is governed by our terms of use.

Please be further advised that, after you delete your personal information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems. In addition, this deletion will not change or delete personal information, which may have already been shared with third parties, all as provided above in this Privacy Policy. You will need to contact the third parties that contact you directly to change your preferences regarding their use of your personal information.

Informed Consent to Be Contacted by Telephone

Federal and state telemarketing laws provide certain protections to consumers related to informational and telemarketing calls. For example, consumer protection laws impose restrictions on businesses, such as time-of-day calling restrictions and compliance with do-not-call lists. This section provides the circumstances in which you consent to be contacted by telephone, whether wireless or landline, in a manner that without your consent may otherwise be prohibited.

When you submit a Contact Request or request help via our Social Media pages, you acknowledge and agree that such acts constitute your express written consent to the following:

Your California Privacy Rights

If you are a resident of the State of California and would like to learn how your “personal information” (as defined in the Shine the Light Law, Cal. Civ. Code § 1798.83) is shared with third-parties, what categories of personal information that we have shared with third-parties in the preceding year, as well as the names and addresses of those third-parties, please contact us at support@homeowner.org.

Further, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at support@homeowner.org.

Please be advised that where California State residents opt-out from permitting their personal information to be shared, such individuals may still receive selected offers directly from us, in accordance with applicable law.

Notice to Utah Residents

We may choose to disclose personal information (including non-public personal information) about you, the consumer, to a third-party for compensation.

Children Under the Age of 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any personal information to the Website. We do not knowingly collect personal information from children under 13. If you are under 13, please exit the Website, and do not use or provide any information on this Website.

If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at support@homeowner.org.

Privacy on Third-Party Websites

The Website contains links to third-party websites including, without limitation, websites owned or operated by the Advocates.

homeowner.org is not responsible for the privacy practices or the content of such websites. This Privacy Policy only covers our use of your information that we collect through the Site. The websites of advertisers, sponsors, and other third-party websites accessible through the Site may have their own privacy and data collection policies and practices. As such, we urge you to review their respective privacy policies when visiting third-party websites.


We endeavor to safeguard our users’ personal information. Access to your personal information is limited. The servers that we store personal information on are kept in a secure physical environment. We also have security measures in place to protect the loss, misuse and alteration of personal information under our control.

Please be advised, however, that while we take reasonable precautions to protect your data, no storage facility, technology, software, security protocols or data transmission over the Internet can be guaranteed to be 100% secure.

For the reasons mentioned above, we cannot warrant that your personal information will be absolutely secure. Any transmission of data at or through the Site is at your own risk.Only employees or third party agents who need the personal information to perform a specific job are granted access to personal information via secured and/or password protected methods. Employees not adhering to our firm policies related to security are subject to disciplinary action. In compliance with applicable federal and state laws, we will notify you and any applicable regulatory agencies in the event that we learn of a security incident that, according to the relevant jurisdiction, requires notification.

Contact Information

If you have any questions about this Privacy Policy, our privacy practices or legal issues pertaining to the www.homeowner.org. or your use of our services, please contact us using any of the following methods:

Waterfall Media, LLC
Email: support@homeowner.org