Legal

Find Hometap’s terms, policies, and disclosures below.

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE

Subject to these Terms of Use (the “Terms”), Hometap Equity Partners, LLC, Hometap Homeownership Solutions, LLC and its affiliates (“Hometap,” “we,” “us” or “our”) provide you with access to our website hometap.com (the “Site”). Please read these Terms carefully.

In addition to these Terms, you may be subject to other terms, including the Additional Terms (described in Section 1), our Privacy Notice, our Credit Authorization Policy, our Consent to Electronic Communications and Signatures, our Sharing of Information Disclosure, and other written agreements related to a potential or completed investment by Hometap. In the event of a conflict between these Terms and any other terms, consent, or agreement, the terms of the other terms, consent, or agreement shall prevail.

By using the Site, you acknowledge that you have read, understand, and consent to our information collection, use, disclosure, and protection practices in our Privacy Notice.

1. ACCEPTANCE OF TERMS OF USE

(a) By accessing, using (including by requesting an investment estimate), or registering with this Site, you are agreeing to these Terms without limitation or qualification. If you do not agree, please exit and do not access, use, or register with this Site.

(b) These Terms are available at a link at the bottom of each page on the Site and when you submit an investment estimate request. We may change these Terms at any time. Please check these Terms before using the Site to determine whether a change has been made. Your continuing access to or use of the Site confirms your unconditional acceptance of the then-current Terms in their entirety. If you do not agree to the changes in the Terms as they occur, you should exit and not use the Site.

(c) From time to time, Hometap may supplement these Terms with additional terms pertaining to specific content or events (“Additional Terms”), which Additional Terms may be placed on the Site to be viewed in connection with the specific content or events and shall be identified as such. You understand and agree that such Additional Terms are hereby incorporated by reference into these Terms.

2. WEBSITE IS NOT AN OFFER OR COMMITMENT TO ENTER INTO AGREEMENT

Information on the Site is not an offer or commitment to enter into an agreement with you. The information contained on the Site is general in nature and is not tailored to your individual circumstances. We may refuse to provide our products and services to anyone at any time.

3. USE OF THE SITE

(a) Your use of the Site is personal to you and is not transferable by you to any person or entity. You may browse and use this Site only in compliance with these Terms. You may not distribute, modify, transmit, publish, reuse, repost, or use the Site or any content made available on the Site: (i) without the express written permission of Hometap; (ii) in a manner inconsistent with or in violation of these Terms; (iii) in violation of any applicable law, rule, regulation, or order; or (iv) in a manner that could damage, disable, overburden, or impair the Site or any third party or interfere with any other person’s use or enjoyment of the Site.

(b) Without limiting the foregoing, you will not (i) access any data on the Site not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain or access personally identifying information, passwords, account information, or other information about others in connection with your use of the Site; (iii) obtain or attempt to access or otherwise obtain any materials or information through any means not intentionally made available or provided for through the Site; (iv) use any data mining, robots, or similar data gathering and extraction tools in connection with the Site; (v) upload any private information of any third party without authorization, including, without limitation, addresses, phone numbers, email addresses, Social Security numbers, and credit card numbers; (vi) register for more than one user account or register for a user account on behalf of an individual other than yourself without authorization; (vii) submit an inquiry or estimate query on behalf of an individual other than yourself without authorization; (viii) use or attempt to use another’s account, service, or system without our authorization, or create a false identity on the Site; (ix) impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age, or your affiliation with any person or entity; or (x) transmit, distribute, introduce, or otherwise make available in any manner through the Site any computer virus, keyloggers, spyware, worms, Trojan horses, timebombs, or other malicious or harmful programming (collectively, ‘Viruses’). We do not have an obligation to detect the presence of such Viruses.

(d) You agree and acknowledge that you have the sole responsibility and liability for your use of the Site and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use of the Site.

4. ACCOUNTS AND ELIGIBILITY

(a) By accessing and using this Site, you represent that you are (i) at least 18 years or older if the age of majority is greater in your state and (ii) legally qualified to enter into contracts under applicable law.

(b) You agree that (i) any and all information that you provide will be true, accurate, current, and complete information about yourself, and (ii) you will continue to provide, maintain, and update any and all information in order for it to remain accurate, current, and complete. You are solely responsible for all information that you provide to us.

(c) In order to have access to view and use certain additional features of the Site, you will be required to request pre-qualification from us and/or register with Hometap by creating an account.

(d) For any reason, as well as upon any violation of any of these Terms, the Privacy Notice, or any other agreement between you and Hometap, or if Hometap suspects fraudulent or unlawful activity, we may take any action we deem necessary to protect Hometap’s or its customers’ interests without notice, including: (i) suspending or terminating access to the Site (along with any content or information you have uploaded into or have access to on the Site); (ii) suspending or terminating any Hometap accounts; (iii) canceling any active applications or pre-qualification requests; (iv) deleting any information or materials provided by you to us; (v) and notifying and fully cooperating with law enforcement authorities. If we revoke or prohibit your account, you agree that you will not create any new account, whether or not under the same username and/or email or a different username and/or email. You agree that Hometap will not be liable to you or any third party for any action taken pursuant to this Section 4.

5. PRE-QUALIFICATION

In order to obtain a pre-qualification, you will be required to provide us with certain basic information about you. All pre-qualifications are conditional and not tailored to your specific circumstances. A pre-qualification is not a promise or assurance that you will be offered an Investment. Among other conditions, any statements by us in any pre-qualification are conditional upon the successful application and review process as described below, which may be refused or rejected by Hometap for any reason or no reason at all.

6. APPLICATION

(a) Your creation and submission of an application is subject to these Terms. To submit an application, you may be required to create an account with us subject to these Terms and use your account to submit the application. With respect to any application that you submit, you represent that, at the time of submission, all information provided is accurate, current, and complete, and that you have all necessary rights, licenses, and consents to provide us with that information. You agree to notify us of any changes in any information submitted in connection with your application. Hometap may deny your application at any time for any reason or no reason at all.

(b) If you are using the Site with another person(s) to jointly submit an application, you and your co-applicant(s) may provide information for your application using a single joint account. Joint applicants utilizing a single account will have access to all information supplied by all account users to complete that application. Such joint applicants will have the ability to view, print, transmit, save, and/or edit the information. Access may continue for as long as the joint applicants utilize the single account. Continued use of the Site to submit a joint application constitutes consent by you and your co-applicant(s) to such access by all co-applicants.

(c) During the application process, we may ask you to submit additional information to us and to authorize us to obtain information from third parties, including third party financial institutions, credit bureaus, and other third parties with which you maintain accounts or engage in financial transactions and that we determine, in our discretion, to be relevant to our evaluation of your application. You may also be permitted to, and choose to, put us in touch with other third parties by, for example, linking your account with us to your account with the third party. All of the third parties mentioned in the previous two sentences are ‘Your Third Party Service Providers’. Solely for the purposes of obtaining data from Your Third Party Service Providers to evaluate and process your application and provide related services to you, you hereby appoint Hometap as your attorney-in-fact and agent, and grant Hometap a limited power of attorney, in order for Hometap to do and perform in your place each thing necessary in connection with those purposes. When Hometap is accessing and retrieving your information from Your Third Party Service Providers, you acknowledge and agree that Hometap is acting as your agent, rather than the agent of Your Third Party Service Provider.

(d) You hereby authorize Hometap to use any information that you provide to us, as well as any information provided to us by Your Third Party Service Providers, for the purpose of evaluating your application and providing related services to you. This information may include personal information, including, for example, social security numbers, account balances, and transaction information. You acknowledge that Hometap’s evaluation of your application may include a credit check, which may or may not affect your credit, and you agree that Hometap is not liable to any third parties, including Your Third Party Service Providers, for any costs relating to the processing of your application.

7. RESPONSIBILITY FOR USER ACCOUNTS AND PASSWORDS

Certain areas or features of this Site are restricted to users who have obtained a user identification and password by creating an account as described on the Site. Please be sure to protect and maintain the confidentiality of any user identification, password, or other identifying information you may obtain in connection with your use of the Site. You agree to notify us immediately if you believe your user identification, password or other identifying information has been lost, stolen, or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by you or any person to whom you have provided your user identification, password, or other identifying information, or by any person who has obtained such information, including, but not limited to, any access to or use of the Site that may occur after you have notified us that your user identification, password, or other identifying information has been lost, stolen, or otherwise compromised.

8. COPYRIGHT AND TRADEMARKS

(a) The Site and all text, audio, video, pictures, music, images, graphics, information, data, content, and other material displayed on, or downloadable from, the Site (the “Content”) is the property of, or used with permission by, Hometap and is protected by copyright, trademark, and other laws and may not be used except as permitted in these Terms or with the prior written permission of the owner of such material. You may not modify the Content in any way or reproduce or publicly display, perform, copy, distribute, or otherwise use any such Content for any public or commercial purpose. Any unauthorized use of any Content may violate copyright laws, trademark laws, laws of privacy and publicity, or other laws, rules and regulations. You may not remove any copyright, trademark or other proprietary notices from the Site or any Content. All rights to Content not expressly granted herein are reserved by and to the respective owners of such Content.

(b) Certain trademarks, trade names, service marks and logos, icons, and domain names used or displayed on the Site are registered and unregistered trademarks, trade names, and service marks owned by Hometap. Other trademarks, trade names, and service marks used or displayed on the Site are the registered and unregistered trademarks, trade names, and service marks owned by their respective owners and used with permission by Hometap. Nothing contained on the Site grants or should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademarks, trade names, service marks, or logos displayed on the Site without Hometap’s written permission or the written permission of such third-party owner.

9. USER COMMUNICATIONS

(a) You alone are responsible for any information, data, graphics, text, communication, message, or other content that you post, upload, submit, transmit, or share with Hometap on the Site or by electronic mail, third party websites, or otherwise, including without limitation any data, images, questions, comments, ideas, concepts, know-how, techniques, suggestions, or the like (collectively “User Communications”). You represent that you are entitled to submit User Communications to the Site and have all relevant licenses and consents from any relevant third parties, and that your transmission does not violate any law, rule, regulation, or order or infringe or misappropriate the rights of any third party.

(b) You represent that Hometap and its affiliates are free to use any ideas, concepts, know-how, or techniques contained in any User Communication for any purpose whatsoever, including without limitation developing and marketing products. You hereby grant to Hometap and our affiliates and designees, a perpetual, fully paid up, royalty-free, irrevocable, worldwide license to the ideas, concepts, know-how, or techniques contained in any User Communication to use, transmit, copy, reproduce, distribute, publicly perform, publicly display, and prepare derivative works based upon such ideas, concepts, know-how, or techniques in any and all media now known or hereafter to become known for any and all commercial and non-commercial purposes, without the need for any acknowledgment, compensation, or attribution. You shall comply with all applicable laws, rules, regulations, and orders in your use of the Site and your provision of information to us.

(c) We may, but are not obligated to, monitor or review any User Communications. We shall have no obligation to use, return, review, or respond to any User Communications. You acknowledge that we have no liability related to the content of any such User Communications, whether or not arising under the laws of copyright, libel, privacy, obscenity, or otherwise.

10. MOBILE SERVICES

(a) The Site may include certain services that are available via a mobile device, including (i) the ability to upload content to the Site using a mobile device, (ii) the ability to browse the Site from a mobile device, and (iii) the ability to access certain features through an application downloaded and installed on a mobile device (collectively, the “Mobile Services”). In addition, downloading, installing, or using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices.

(b) By providing us with a mobile phone number, you expressly consent to receiving communications from Hometap, including, but not limited to, prerecorded or automated voice messages, text messages and calls made using an automated telephone dialing system.

(c) To the extent you access the Site using a mobile device or we communicate with you via your mobile phone number, your wireless service carrier’s charges, data rates, and other fees may apply.

(d) You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Hometap or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

11. LINKING

(a) This Site may contain links to other websites that are not owned, operated or controlled by Hometap or its affiliates (each a “Third-Party Site”). All such links to Third-Party Sites are provided solely as a convenience to you. If you use these links, you will leave our Site. We are not responsible for your access to or use of any Third-Party Site. We do not endorse, guarantee, or make any representations or warranties regarding any Third-Party Site, or any content or information accessible from such Third-Party Sites, or the results that you may obtain from using any Third-Party Site. If you access any Third-Party Site linked to or from the Site, you do so entirely at your own risk.

(b) If you intend to create any link from another website to any page on this Site, you must first obtain our permission by emailing us at: legal@hometap.com. We may prohibit any such link at any time. Any permitted links to the Site must comply with all applicable laws, rules, regulations, and orders and any applicable Hometap policies. Running or displaying the Site or any Content in frames or similar means on another website without our prior written permission is prohibited.

12. DISCLAIMER OF WARRANTIES

(a) You expressly agree that use of the Site and content is at your sole risk. The Site, content and any products available at the Site are provided on an ‘as is’ and ‘as available’ basis. Hometap expressly disclaims all warranties of any kind, express or implied, with respect to the Site, Content and any products, including without limitation any warranty of merchantability, fitness for a particular purpose, or non-infringement. You acknowledge that Hometap is not liable for the acts, omissions, or conduct of any third parties.

(b) Hometap makes no warranty that: the Site, Content, or products will meet your requirements; the Site, Content, or your use thereof will be uninterrupted, timely, secure, current, accurate, complete, or error free; or that the Site, the server, any Content, or any documents downloaded from the Site will be free of infection from viruses, worms, or other code that has contaminating or destructive properties. Any use of the Content or the Site is at your sole discretion and risk. You understand and agree that any content downloaded or otherwise obtained through the use of the Site is at your own discretion and risk.

(c) You assume total responsibility for your use of the Site, Content, and any linked sites. Your sole remedy against Hometap for any grievances relating to the Site, Content, or any documents downloaded from the Site is to stop using the Site or any such Content or documents.

(d) The warranty disclaimers set forth in this section 12 do not apply to the extent prohibited by law. Please refer to your local laws for any such prohibitions.

13. LIMITATIONS OF LIABILITY

(a) Except as expressly provided in this section 13, in no event will Hometap be liable for any damages, direct or indirect, including, without limitation, consequential, special, incidental, or punitive damages (and damages from lost profits, interruption of business, lost data), whether foreseeable or not, which may arise out of your access to, inability to access, or your use of the Site or Content or resulting from any products or transactions entered into through the Site or resulting from unauthorized access to or alteration of your transmissions or data.

(b) In no event will Hometap be liable for any damages of any kind arising from the use of this Site or the services provided by Hometap by third party financial institutions. Hometap will not be liable for any charges issued against you by a bank or credit card.

(c) Notwithstanding anything herein to the contrary, our sole liability for any reason to you, and your sole and exclusive remedy for any cause or claim whatsoever, shall be limited to fifty dollars ($50.00).

(d) The limitations of liability set forth in this section 13 do not apply to the extent prohibited by law. Please refer to your local laws for any such prohibitions.

14. INDEMNIFICATION

Unless prohibited by applicable law, you agree to indemnify and hold harmless each of Hometap, its affiliates, officers, directors, and employees, from and against all losses (including reasonable attorneys’ fees), liabilities, claims, and causes of action, arising out of or related to your use of this Site or any Content, any information submitted by you or from your account, the violation or attempted violation of these terms by you, or the infringement by you or any other user using your account of any intellectual property or other right of any person or entity. If you are obligated to indemnify us hereunder, we may control the defense and disposition of any such claims at your sole cost and expense. Without limiting the foregoing, you may not settle, compromise or in any other manner dispose of any third-party claim without
our consent.

15. RELATIONSHIP

Without limiting any other provision of these Terms, these Terms create no agency, partnership, joint venture, or employee-employer relationship between you and
Hometap.

16. COMMUNICATIONS

You agree that when you communicate with us by visiting the Site or sending emails, you consent to receive electronic communications, including emails, to the extent permitted by law. You consent to our monitoring and recording of any communications between you and us, including by phone, for our internal business and marketing purposes, and that such recording may be done without further notice to you or anyone acting on your behalf.

17. GOVERNING LAW; DISPUTES; ARBITRATION; CLASS ACTION WAIVER

(a) We provide our Site from our offices within the United States. We make no representation that the Content on our Site is appropriate, legal or available for use in other locations. These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without giving effect to its conflicts of law provisions.

Any cause of action or claim you may have arising out of or relating to these terms of use or the site must be commenced within one (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently waived.

(b) Any controversy or claim arising out of or relating to these Terms, your use of the Site or your purchase of any products from the Site shall be settled by arbitration administered by the American Arbitration Association (AAA) under its rules, including the AAA’s Supplementary Procedures for Consumer-Related Disputes and
judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. However, if you do not wish to have all such controversies or claims settled by arbitration in such manner, you may opt-out of this requirement by emailing us at legal@hometap.com within ten (10) days of the earlier of (i) seeking a prequalification or (ii) creating an account on the Site.

(c) By agreeing to arbitration, you understand and agree you are waiving your rights to assert claims via other dispute resolution processes, including a court action. Payment of filing, administration and arbitrator fees will be governed by the AAA rules, provided that we will reimburse you for any such filing, administration and arbitrator fees if your claim is for less than $10,000 unless the arbitrator determines such claims to be frivolous. Further, we will not seek attorney’s fees or costs in the arbitration unless the arbitrator determines your claims to be frivolous. Unless the arbitrator requires otherwise, you may elect to conduct the arbitration by telephone, based on written submissions or in person in the state in which you reside or a mutually agreed location. All dispute resolution proceedings will be conducted on an individual basis and not in a class action or similar consolidated action. If, for any reason, a claim proceeds in court, rather than in arbitration, you and Hometap each waive any right to a jury trial. Notwithstanding any other provision in these Terms, Hometap may commence suit in court to enjoin infringement or misappropriation of intellectual property rights or confidential information.

(d) If you believe that a controversy or claim exists that arises out of or relates to these Terms, your use of the Site, or your purchase of any products from the Site, you agree to provide us with a notification via email to legal@hometap.com, briefly
summarizing the claim or controversy and your request for relief, before instituting any other formal legal action against us.

(e) You agree that you are waiving the right to trial by jury or to participate in a class action and that you may bring claims against Hometap only in your individual capacity, and not as a plaintiff or class member in any purported class action or similar consolidated action.

18. USE OF THE SITE OUTSIDE OF THE UNITED STATES

You understand and acknowledge that Hometap controls and operates this Site from within the United States of America. This website provides information regarding services and products that are made available in certain states in the United States only. We make no representation that the services or products about which information may be provided on the Site will be available (i) anywhere outside of the United States or (ii) in every state within the United States. You acknowledge and agree that you are responsible for compliance with all laws, regulations, and rules applicable to your access to and use of this Site.

19. MISCELLANEOUS

(a) In the event that any provision of these Terms conflicts with applicable law, rule, regulation, or order or if any provision is held invalid by a court with competent jurisdiction, then such provision will be deemed to be restated to reflect as nearly as possible the original intentions of the parties, and the remainder of these Terms will remain in full force and effect. Any failure by Hometap to insist upon or enforce strict performance of any provision of the Terms or to exercise any right under the Terms will not be construed as a waiver or relinquishment of Hometap’s right to assert or rely upon any such provision or right in that or any other instance, rather, the same will be and remain in full force and effect. We will not be liable for failure or delay in performing our obligations because of causes beyond our reasonable control, including acts of God, terrorism, war, riots, fire, earthquake, flood, or degradation or failure of third party networks or communications infrastructure.

(b) These Terms and any Additional Terms (as such terms shall be identified when posted on the Site), along with any other agreements entered into by you with us,
constitute the entire understanding between the parties as to the subject matter hereof, and supersede all prior agreements and understandings, including any oral communications.

You can contact us at the address listed.

20. CONTACT US

We welcome your comments and questions. Please contact us at:

Hometap Equity Partners, LLC and
Hometap Homeownership Solutions, LLC
361 Newbury St, 5th Floor
Boston, MA 02115

legal@hometap.com
Local: (781) 488-0805
Toll-Free: (855) 223-3144

Last Updated: May 2026

PLEASE READ THIS PRIVACY NOTICE CAREFULLY BEFORE USING THIS WEBSITE.

Hometap Equity Partners, LLC and its affiliates (“Hometap”, “we”, “us”, and “our”) understand that confidentiality of information is important to visitors to our website and to our customers. We firmly believe that it is important for you to be informed regarding what information we collect, how we protect and use it, and what options are available to you with regard to information sharing.

This Online Privacy Notice (the “Privacy Notice”) describes the types of information we may collect from you — as well as our practices for using, protecting, and disclosing that information — when you use our website, www.hometap.com (the “Site”). This Privacy Notice applies to information we collect on the Site and in email, text, and other electronic messages between you and us. By using or accessing this Site, you agree to this Privacy Notice.

We may supplement this Privacy Notice with the following:

Our Sharing of Information Disclosure. While this Privacy Notice focuses on our practices with respect to the Site, our Sharing of Information Disclosure (“Sharing of Information Disclosure”) describes how we collect, use, and disclose certain of your information. Our Sharing of Information Disclosure is updated annually.
Specific Terms Agreed to by You. If you qualify to participate in one or more Hometap products or services, we may ask you to enter into one or more other agreements with us. In that event, the terms in those agreements will also govern our collection, use, sharing, and securing of your information.
Other Supplemental Notices on the Site. Additionally, we may supplement this Privacy Notice with other supplemental notices posted on specific web pages within the Site. These supplemental notices describe in more detail the information we collect via particular pages or services on the Site.
Please take the time to read our Sharing of Information Disclosure and, if you are presented with other agreements or supplemental notices, the terms of those other agreements and notices. In the event of any conflict between this Privacy Notice, our Sharing of Information Disclosure, and the terms of other agreements and supplemental notices, our Sharing of Information Disclosure will take priority, followed by the terms of any other agreements, any supplemental notices, and finally this Privacy Notice. If you do not consent to this Privacy Notice, please exit and do not use the Site. If you do not consent to any supplemental notice, do not use the pages or services to which it pertains. If you have any questions, please contact us at legal@hometap.com, 781-488-0805 (local), 855-223-3144 (toll-free), or at the information provided at the bottom of this Privacy Notice.

1. WHAT INFORMATION DOES HOMETAP COLLECT?

Hometap collects information that identifies you as well as other types of information about your activities on the Site (“Personal Information”). We describe each of these categories, and how we collect each of these categories, in more detail below. Please also review our Sharing of Information Disclosure for further information on what types of Personal Information we collect.

Information You Provide to Us. We collect Personal Information and other information that you knowingly provide to us via the Site or other means of contacting us, or otherwise authorize us to collect, including when you:

Create an account with us
Seek a prequalification through the “Get an Estimate” link on the Site
Submit an application for products or services, which may involve retrieving information from publicly accessible sources (e.g., property records) or a third party (e.g., credit reporting agencies).
Contact us via any customer service method, including through the use of screen-sharing or cobrowsing tools
Submit user-generated content
Subscribe for email or other messages
Otherwise communicate information to us

The types of Personal Information we collect include name, address, telephone number, email address, information about your household and finances, information to enable us to check and verify your identity, your gender information, information to enable us to undertake credit or other financial checks on you, and information about how you intend to use the services and products we provide.

You will typically be prompted to provide any Personal Information we are collecting via the Site. For example, when you submit a prequalification request, we ask you to complete a form with several types of information, including your name, address, and information about your household, finances, and intended use of our services. To give another example, when you send us a request, we may ask you to identify yourself by name and email address. We may also combine your Personal Information with other information that we receive from third parties in order to inform you about our products and tailor marketing to you.

Information Collected Through Technology. We may also collect information about you automatically when you visit our Site. This information may include your IP address, the identity of your Internet Service Provider, the name and version of your operating system, the name and version of your browser, the date and time of your visit, the pages you visit, how you interact with the website, information about referring websites, and any search terms or other information you enter while on the Site. Although we do not use this information by itself to identify you, we may (i) link this information to other Personal Information that you choose to provide to us; or (ii) share this information with nonaffiliated third party service providers who may use this information to identify you in order to market our products for us.

Browser-based Information Collection. We use “cookies,” “pixel tags,” “web beacons,” and other Web technologies for a number of purposes, including:

to collect information about the ways you use the Site — for example, which pages you visit, which links you use, and how long you stay on each page;
to support the features and functionality of the Site — for example, to save you the trouble of re-entering information already in our database or to prompt the settings you established on previous visits to the Site; and
to personalize your experience when you use the Site.

Cookies are small pieces of information stored by your browser on your computer’s hard drive. Most web browsers accept cookies by default, but you can change your browser settings to refuse cookies. If you do so, you may experience difficulties using the Site. Pixel tags and web beacons are tiny graphic images used to help us analyze your online browsing patterns, create content designed for your connection speeds, and deliver email in a format you can read.

Email-based Information Collection. When you access this Site by clicking on a link in an electronic communication you receive from us or one of our marketing service providers or in one of our advertisements, your browser tells us that someone has clicked on a particular link in that particular electronic communication or advertisement. We use this information to improve our marketing efforts.

Information Collected from Server Logs. In addition, we review our server logs — which contain visitors’ IP addresses — for security and fraud-prevention purposes. If we suspect criminal activity, we may share our server logs and the Personal Information we have collected through this Site with the appropriate investigative authorities who could use that information to investigate criminal wrongdoing.

Third-Party Services. Some third-party services we use, such as Google Analytics, may use cookies, web beacons, or other similar technologies or information gathering tools to collect or receive information from the Site and elsewhere on the Internet and use that information to provide measurement services or target ads. Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the data collected to track and examine the use of the Site, to prepare reports on its activities, and to share them with other Google services. Google may use the data collected to contextualize and personalize the ads of its own advertising network. Please see www.google.com/policies/privacy/partners/ (or any other URL Google may provide from time to time) for information about how Google may use your information and how you may be able to control the information sent to Google. Please also see the privacy policy of Ortto, our email marketing vendor, at https://ortto.com/privacy/. Please also see the privacy policy of Glia, our cobrowsing vendor at https://www.glia.com/security-compliance/privacy-policy.

This Privacy Notice covers only our use of cookies, pixel tags, web beacons, and other similar technology and not the use of such technology by third parties. Similarly, this Privacy Notice does not apply to third-party websites accessed via hyperlinks within the Site.

2. HOW DOES HOMETAP USE THE INFORMATION IT COLLECTS?

We use your information in a manner consistent with this Privacy Notice (including the Sharing of Information Disclosure) to:

Process and evaluate your application(s)
Provide pre-qualification information
Help us improve our products and services
Communicate with you and respond to your inquiries
Maintain and service your Hometap account
Maintain and improve the Site
Provide customer service
Conduct research and analysis, including regarding Site usage trends, purchasing patterns and preferences, and visitor demographics
Advertise, or enable our partners to advertise, to you
Fight spam and other abuse
Comply with legal requirements, industry standards, and our own policies
Deliver products and services you have requested
Carry out our obligations and enforce our rights arising from any agreements entered into between you and us
Notify you about changes to the Site or any products or services we offer or provide through the Site
As may otherwise be disclosed at the time of collection
Protect ourselves, our customers, and others from economic or physical harm

For example, we keep track of the pages you visit and the manner in which you use the Site to determine what features or products are most popular and whether to make changes to the Site. To give another example, we may review your information and information of other customers to help us analyze trends, purchasing patterns and preferences, and demographics.

We may also use the information you provide to us to personalize your experience by using your product interests, browsing patterns, and related information to recommend other products, services, or promotions that we believe may interest you. We may also use the information you provide to notify you of changes to the Site.

We may combine the information you provide to us or that we collect from you with data that is publicly available and data that we collect or receive from other sources.

3. HOW DOES HOMETAP SHARE YOUR INFORMATION WITH THIRD PARTIES?

Please see our Sharing of Information Disclosure for information on how your Personal Information may be shared, a list of the categories of personal information disclosed for a business purpose, and how you may limit certain types of sharing.

Other information that we collect, which does not identify specific individuals, may be shared with our service providers or other third parties in our discretion and in compliance with applicable law consistent with the uses described in the previous section.

4. HOW CAN YOU UNSUBSCRIBE, CHANGE YOUR INFORMATION, OR OPT OUT OF CERTAIN PRACTICES?

We want to communicate with you only if you want to hear from us. If you prefer not to receive information from us or would like to update or change your contact information or preferences, you can do so using one or more of the following methods:

If you have a user account with us, you may be able to edit your information by updating your account using the “Login” link on the Site
You may send your request to us via the points of contact listed at the end of this Privacy Notice
You may unsubscribe from any marketing emails by clicking on the link in the email

If you contact us for this purpose, please provide your full name, address, and email address so that we can locate your information. 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 will respond to your request within a reasonable period of time or as required by law.

Additionally, certain unaffiliated third-party services, such as the Digital Advertising Alliance’s WebChoices Tool, may enable you to configure your browser to control certain companies’ collection and use of information for advertisement targeting. In addition, for data collected using Google Analytics, please see www.google.com/policies/privacy/partners/ (or any other URL Google may provide from time to time) for information about how you may be able to control the information sent to Google. We cannot guarantee that such third parties or their services will enable you, or will continue to enable you, to control such collection.

5. WHAT SECURITY MEASURES DOES HOMETAP USE TO PROTECT YOUR INFORMATION?

Hometap has implemented measures intended to secure your information from accidental loss and from unauthorized access, use, alteration, and disclosure. You also play an important role in maintaining the safety and security of your information. You should ensure that you are familiar and comfortable with the security level of your browser and watch for security alerts affecting the software on your computer or the browser you are using. Where we have given you access credentials, such as a user name and password, you are responsible for keeping these credentials confidential, and we ask you not to share them with anyone. Unfortunately, the transmission of information via the Internet is not completely secure, and no company, including Hometap, can fully eliminate security risks. Although we have implemented measures to protect your information, we cannot guarantee the security of your information transmitted to or from us, including via email, or the security of any links accessible from our Site.

6. LINKS TO OTHER WEBSITES

This Site may, from time to time, contain links to websites owned and operated by third parties (“Third-Party Sites”). We encourage you to review the privacy policies of such Third-Party Sites so that you understand how those websites collect, use, and share your information. We are not responsible for the privacy notices, practices, or other content on Third-Party Sites.

7. MAKING SURE YOUR INFORMATION IS UPDATED

You are responsible for making sure that your information is accurate and complete. If any information you have provided changes, please update your information by following the methods provided in Section 4 above.

8. CHILDREN

Hometap provides only business services and neither intends to collect nor knowingly collects any information from or about children.

9. CALIFORNIA RESIDENTS

California Civil Code Section 1798.83 permits Site users who are California residents to request and obtain from us a list of what Personal Information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. Requests related to California Civil Code Section 1798.83 may be made only once a year and are free of charge.

Under the California Consumer Privacy Act of 2018 (“CCPA”) and as later amended by the California Privacy Rights Act of 2020 (“CPRA”), you can exercise certain rights about the personal information, if any, that we may collect. Your request will be free of charge.

Description of Your Rights

The right to request that we disclose to you the following:
- The categories of personal information we have collected about you;
- The categories of sources from which the personal information is collected;
- Our business or commercial purpose for collecting or selling personal information;
- The categories of third parties with whom we share personal information, if any; and
- The specific pieces of personal information we have collected about you.
Please note that we are not required to:
- Retain any personal information about you that was collected for a single one-time transaction if, in the ordinary course of business, that information about you is not retained;
- Reidentify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered personal information;
- Provide the personal information to you more than twice in a 12-month period; or
- Respond to your request if we cannot reasonably verify that you, as the person making a request, are the same person about whom we collected information, or are someone authorized to act on such person’s behalf.
In connection with any personal information we may sell or disclose to a third party for a business purpose, you have the right to know:
- The categories of personal information about you that we sold and the categories of third parties to whom the personal information was sold; and
- The categories of personal information that we disclosed about you for a business purpose.
Under the CCPA and certain other privacy and data protection laws, as applicable, you can opt-out of the sale or disclosure of your personal information. If you exercise your right to opt-out of the sale or disclosure of your personal information, we will refrain from selling your personal information, unless you subsequently provide express authorization for the sale of your personal information. To opt-out of the sale or disclosure of your personal information, please contact us at opt-out@hometap.com, 781-488-0805 (local), or 855-223-3144 (toll-free).
Subject to certain exceptions described below, on receipt of a verifiable request from you, we will:
- Delete your personal information from our records; and
- Direct any service providers to delete your personal information from their records.
Please note that we may not delete your personal information if it is necessary to:
- Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
- Debug to identify and repair errors that impair existing intended functionality;
- Exercise free speech, ensure the right of another consumer to exercise their right of free speech, or exercise another right provided for by law;
- Comply with the California Electronic Communications Privacy Act;
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
- Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
- Comply with an existing legal obligation; or
- Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
You have the right to not be discriminated against by Hometap because you exercised any of your rights under the CCPA. For the sake of clarity, Hometap will not discriminate against you for exercising your rights under the CCPA or any other California laws. This means we cannot, among other things:
- Deny goods or services to you;
- Charge different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties;
- Provide a different level or quality of goods or services to you; or
- Suggest that you will receive a different price or rate for goods or services or a different level or quality of goods or services.
- Please note that we may charge a different price or rate or provide a different level or quality of goods and/or services to you, if that difference is reasonably related to the value provided to you by your personal information.

10. DO NOT TRACK

Some web browsers offer a “Do Not Track” setting. However, there is currently no industry standard regarding the meaning of “Do Not Track” and what, if anything, websites should do in response. As a result, we may not respond to “Do No Track” signals.

11. NOTICE TO VISITORS OUTSIDE OF THE UNITED STATES

This Site is intended for use by residents of the United States of America only. You should be aware that the United States and other countries have not harmonized their privacy regulations. Our Privacy Notice is intended to comply with United States requirements. By using the Site, you agree to the level of privacy protection set out in our Privacy Notice.

12. SOCIAL MEDIA

We may interact with you via a variety of social media platforms, including Facebook, Twitter, Instagram, and TikTok. If you contact us on one of our social media platforms, request customer service via social media, or otherwise direct us to communicate with you via social media, we may contact you by direct message or use other social media tools to interact with you. In such cases, our communications are governed by this Privacy Notice and the privacy notice of the social media platform you use. In addition, if you choose to communicate with us through a third-party social media platform, you are granting us permission to access and use the information you post or store on the applicable social media platform in accordance with the privacy notice of that platform. We don’t control, and are not responsible for, the privacy practices of third-party social media platforms. You should consult the privacy notice of each such platform for additional information.

13. CHANGES

We may change this Privacy Notice or supplemental notices at any time to reflect changes in our policies and practices. You will receive notice of changes by our posting of the amended Privacy Notice or supplemental notice on the Site. By accessing and using the relevant information or services available on the Site following such amendment, you consent to the policies and practices outlined in the Privacy Notice or supplemental notice, as amended.

14. CONTACT US

We welcome your comments and questions. Please contact us at:

Hometap Equity Partners, LLC
Attn: Legal
361 Newbury St, 5th Floor
Boston, MA 02115
legal@hometap.com
Local: (781)-488-0805
Toll-Free: (855)-223-3144

Last Updated: February 2026

Sharing of Information Disclosure

In order to use our electronic services, you must affirmatively consent to the terms of our Consent to Electronic Communications and Disclosures (“Consent”), which govern your use of Hometap’s electronic services. The electronic services allow you to electronically initiate a transaction and communicate with Hometap. From time to time, Hometap may be required to provide you with certain written information, notices, or disclosures as required by federal or state law. With your consent, Hometap will provide such notices and disclosures to you electronically.

1. Definitions

In this Consent, “you” and “your” means the person giving consent and each identified authorized representative. “Hometap”, “we”, “us”, and “our” in this Consent means Hometap Equity Partners, LLC, a Delaware limited liability company and all of its related, affiliated or subsidiary companies. “Website” means hometap.com and any of its subdomains.

2. Scope of Your Consent

This Consent applies to all communications, disclosures, notices, terms and conditions, and other documents related to Hometap’s products. This Consent will remain effective until expressly withdrawn by you.

3. Consent to Method of Electronic Communication

All communications that we provide to you electronically will be provided either (i) directly to any email address provided on your application (or any email address you provide to us later), (ii) on our Website, or (iii) our affiliates' or subsidiaries' Websites or platforms. Documents may be delivered to you in a .pdf format. We may also notify you through email when communication(s) or updated agreement(s) pertaining to our Website are available.

By (i) checking the box next to “Terms of Use, Privacy Notice, Consent to Electronic Communications and Disclosures, and Sharing of Information Disclosure”, or (ii) clicking “I confirm”, “I agree”, or a similar button, you agree that delivery of electronic documents or communications by any of these methods will be considered “in writing”, and that you intend that the electronic documents or communications to have the same legal effect as written and signed paper documents or communications.

4. Receiving a Paper Copy

You have the right to receive a paper copy of any electronic document or communication, including this Consent. You may request a paper copy of a communication or document at no charge in one of the following ways: (i) send an email message with your name and email address to notice@hometap.com or (ii) call us at (855)-223-3144.

5. Hardware and Software Requirements

By (i) checking the box next to “Terms of Use, Privacy Notice, Consent to Electronic Communications and Disclosures, and Sharing of Information Disclosure”, or (ii) clicking “I confirm”, “I agree”, or a similar button, you acknowledge that you have the following hardware and software capabilities to access, view, and retain electronic communications from Hometap:

A connection to the Internet
An Internet browser (ex: Firefox, Chrome, Edge, Explorer, Safari, etc.)
A computer or mobile device and an operating system capable of supporting the above
A PDF file reader, such as the free Adobe® Acrobat Reader (http://get.adobe.com/reader)
A printer if you wish to print and retain paper records, and electronic storage if you wish to retain records in electronic form
An active email address

We will notify you of any changes to the previously disclosed specifications and/or requirements if the proposed change will adversely affect your ability to access and retain subsequent electronic notices from us. By continuing to use the Website after receiving notice of the changes, you reaffirm your consent and agree to the changes.

6. Electronic Signatures

You are voluntarily choosing to sign certain Hometap documents electronically;
You understand that the documents we present on our Website will replace the use of paper documents;
You understand and agree that your electronic signature will bind you to the terms and conditions to the same extent as if you signed your Hometap documents on paper with an ink signature;
You understand and agree that no certification authority or other third party verification is necessary to validate your E-Signature and that the lack of such certification or third party verification will not in any way affect the enforceability of your E-Signature or any resulting contract between you and Hometap; and
You understand that you have the right to withhold your consent to the use of electronic documents and signatures, and that you have the right to withdraw your consent at any time prior to completing the e-sign process. Please be aware, however, that withdrawal of consent may result in the termination of your access to use Hometap products.

Notwithstanding the foregoing, you acknowledge that there are some specific documents related to real estate transactions that must be signed on paper with an ink signature in front of a notary public. Hometap will identify these documents to you in the event your Application is approved, and Hometap will work with you to help arrange for notarization of such documents.

7. Withdrawing Your Consent to Receive Notices Electronically

You can contact us in any of the ways described in section 4 to withdraw your consent to receive any Hometap electronic notices and/or future notices. Please be aware that withdrawal of your consent may result in the termination of your access to our electronic services and your ability to utilize Hometap products and services. To the extent that consent is withdrawn after fees have been incurred by Hometap in order to process your request, Hometap reserves the right to collect those fees from you. Your withdrawal of consent shall be effective within a reasonable period of time after receipt by Hometap. Failure, on the part of Hometap, to provide adequate notice of changes in hardware and/or software specifications can be treated as a withdrawal of consent by the consumer without the imposition of fees.

8. Updating Your Contact Information

You must notify us of any change in your email address by sending us an email with your name and new email address at notice@hometap.com.

9. Acknowledgement

You consent to the electronic delivery of this Consent to Electronic Communications and Signatures and other notices or disclosures relating to the Consent;
You are able to access information in an electronic form;
You have the hardware and software described above;
You will comply with the provisions of this Consent;
You agree and consent to the electronic receipt of all notices, disclosures, authorizations, and other documents required to be provided or made available to you by Hometap until or unless you notify Hometap as described above that you withdraw your consent.

By checking the box you instruct Hometap Equity Partners, LLC (“Hometap”) and its affiliates (“we” and “our”) to take the following actions in connection with you submitting an inquiry, pre-qualification request and/or application.

Changes to Credit Authorization Policy

Hometap reserves the right at its sole discretion, to change, modify, add or remove portions of this Credit Authorization Policy at any time, without notice. It is your responsibility to check this Credit Authorization Policy periodically for changes. Your continued use of the Site or the submission of an inquiry, pre-qualification request and/or application, following the posting of changes will mean that you accept and agree to the changes.

Consumer Reports

We may request consumer reports and related information about you in connection with either your inquiry as to whether you qualify for a Hometap investment (a “Pre-Qualification Inquiry”) or your submission of an application for a Hometap investment on the Site (“Application”), as further described below. Such requests for consumer reports are regulated by the Fair Credit Reporting Act, which requires that any person using a consumer report must have a permissible purpose. A permissible purpose includes when a consumer (in this case, you) has provided written instruction to the user of the consumer reports (in this case, Hometap) to obtain such reports. These consumer reports may be requested from one or more U.S. national credit reporting agencies, such as Experian, Equifax and TransUnion (collectively, the “Credit Bureaus”).

Inquiry & Pre-Qualification

In connection with your submission of a Pre-Qualification Inquiry, we may conduct a “soft credit pull” through one or more Credit Bureaus to help us determine your initial qualification for a Hometap Investment. This will not affect your credit score. You certify that your Pre-Qualification Inquiry on the Site is a transaction that you initiated with Hometap. You further understand and acknowledge that by submitting your Pre-Qualification Inquiry on the Site, you are providing written instructions to Hometap under the Fair Credit Reporting Act, which authorizes Hometap to obtain information from your personal credit profile and/or other information from the Credit Bureaus. Upon your request, we will inform you of the name and address of any Credit Bureau from which we obtained your consumer report.

Investment Application

If you meet our initial eligibility requirements following your Pre-Qualification Inquiry and you decide to submit an Application, we may conduct a “hard credit pull” through the Credit Bureaus to verify your identity, to make decisions regarding your Application, and for other related purposes. This inquiry will become a part of your credit history and may impact your credit score. You further understand and acknowledge that by submitting your Application on the Site, you are providing written instructions to Hometap under the Fair Credit Reporting Act, which authorizes Hometap to obtain information from your personal credit profile and/or other information from the Credit Bureaus. Upon your request, we will inform you of the name and address of any Credit Bureau from which we obtained your consumer report.

Verification of Mortgages & Liens

You consent to us obtaining one or more verification reports for your mortgage(s), and/or related liens on the property (commonly known as Verification of Mortgage “VOM”) and other information from other persons (lenders and mortgage servicing agencies) to evaluate your application and verify information you have provided us. The VOM documents your mortgage payment history and additional information that is not commonly reflected on your credit report. Hometap may use the VOM report for the purposes of verifying the existing balance and monthly payments, checking for any late payments, and monitoring information related to your mortgage. If we make an investment in your property, you also authorize us to obtain, from time to time, additional VOM reports from lenders and mortgage servicing agencies to determine whether you continue to meet the terms of our agreements with you. We may anonymize and use any reports and information we obtain about you to improve our business and develop and offer new products and services.

Monitoring Investments

If you complete an investment with Hometap, you hereby authorize Hometap to obtain consumer reports in the form of soft credit pulls at various times during the term of your investment in connection with the servicing and monitoring of such investment.

Hometap has a company-wide commitment to ensuring that Information Technology (IT) is accessible to all people, including those with disabilities. As part of this commitment, our website has been designed to conform to the requirements of Section 508 of the U.S. Rehabilitation Act as amended and endeavors to conform to the World Wide Web Consortium (W3C) Web Content Accessibility Guidelines 2.1 AA. Hometap is also committed to supporting and implementing the United Nations Convention on the Rights of Persons with Disabilities. Hometap’s website and homeowner portal is tested and monitored regularly using AMP (Accessibility Management Platform). Our team is continuously modifying the Hometap’s website as technology advances.

We recognize that there may be occasions when users experience difficulty accessing the site. If you experience any difficulty viewing any material on our website, please contact us at hello@hometap.com. Your feedback and ideas are extremely important to us.

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