Privacy Policy
ZeroDownScout ("ZeroDownScout," "we," "us," or "our") is a product of Own The Roof Inc. We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the ZeroDownScout mobile application (iOS and Android) and website located at zerodownscout.com (collectively, the "Service").
By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree, please discontinue use of the Service.
1. Information We Collect
We may collect the following types of information:
- Personal Information: Name, email address, and phone number when you create an account or submit a form on our website or app.
- Location Information: State, city, or ZIP code you enter to search for down payment assistance programs. We do not collect precise GPS location.
- Device Information: Device type, operating system, and app version for diagnostic and performance purposes.
- Usage Data: Pages visited, features used, and interactions within the app to improve our Service.
- Communications: Any messages or inquiries you send to us directly.
2. How We Use Your Information
We use the information we collect to:
- Provide, operate, and improve the ZeroDownScout Service
- Match you with down payment assistance (DPA) programs relevant to your location and situation
- Send transactional SMS messages, including one-time passcodes (OTP) for account verification
- Send educational and informational email communications about homeownership and DPA programs (where you have opted in)
- Respond to your questions, requests, and support needs
- Comply with applicable legal obligations
- Analyze usage patterns to improve our products and services
3. SMS Messaging & Consent
By providing your phone number in the ZeroDownScout app or on our website and checking the optional SMS consent box, you expressly consent to receive text messages from ZeroDownScout, operated by Own The Roof Inc. Message types may include account verification codes (OTP), program updates, application reminders, and educational and promotional content about homeownership and down payment assistance programs.
- Message Frequency: Message frequency varies. You may receive up to several messages per month depending on your activity and preferences.
- Message & Data Rates: Message and data rates may apply. Check with your mobile carrier for details.
- Opt-Out: You may opt out of SMS communications at any time by replying STOP to any message. After opting out, you will receive a single confirmation message and no further SMS will be sent.
- Help: Reply HELP to any message for assistance, or contact us at [email protected] or (313) 631-8277.
- No Sharing: Your phone number and SMS consent will not be sold, shared, or transferred to third parties for their own marketing purposes.
- Optional Consent: SMS consent is optional and is never required to use the Service. You can use ZeroDownScout fully without opting in to SMS.
4. How We Share Your Information
We do not sell your personal information. We may share your information in the following limited circumstances:
- Service Providers: Trusted third-party vendors who assist us in operating the Service (e.g., SMS delivery, email platforms, analytics). These providers are contractually obligated to protect your data.
- Lender Introductions: Only when you specifically request to be connected with a lender for a DPA program, we will share your contact information and program eligibility with that lender on your behalf.
- Legal Requirements: If required by law, regulation, court order, or to protect the rights and safety of Own The Roof Inc. and its users.
- Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred to the successor entity.
5. Cookies & Tracking Technologies
Our website uses cookies and similar technologies to remember your preferences, analyze site traffic, and improve user experience. You can control cookies through your browser settings. Disabling cookies may limit certain features of the Service.
6. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, alteration, disclosure, or destruction. The Service is delivered over HTTPS. While no method of transmission over the internet is 100% secure, we strive to use commercially acceptable means to protect your data.
7. Your Rights
Depending on your jurisdiction, you may have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you.
- Correction: Request correction of inaccurate or incomplete information.
- Deletion: Request deletion of your personal information, subject to legal retention requirements.
- Opt-Out: Unsubscribe from marketing communications at any time. SMS opt-out via STOP; email opt-out via the unsubscribe link in any email.
- Update Information: Update your account information at any time within the app or by contacting us.
To exercise any of these rights, contact us at [email protected].
8. Children's Privacy
The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will take steps to delete it.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a new "Last Updated" date. Your continued use of the Service after changes are posted constitutes your acceptance of the updated policy.
10. Contact Us
If you have any questions about this Privacy Policy or our privacy practices, contact us at:
Own The Roof Inc.
39500 Orchard Hill Pl Suite #100
Novi, MI 48375
Email: [email protected]
Phone: (313) 631-8277