Maryland Down Payment Assistance (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, and your rights regarding your data.

By using this website, submitting forms, or opting into communications, you consent to the practices described below.

1. What Information We Collect

We may collect the following categories of information:

A. Personal Information You Provide

When you fill out forms, request information, schedule a consultation, or communicate with us, we may collect:

• Full name
• Email address
• Phone number (including mobile number)
• Mailing address
• Property address
• Employment information
• Income information
• Estimated credit information
• Down payment amount
• Loan preferences
• Any other information you voluntarily provide

B. SMS Consent Information

If you opt in to receive text messages, we collect:

• Your mobile phone number
• Date and time of consent
• IP address at time of consent
• Consent source (form/page submitted)

C. Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address
• Device type
• Browser type
• Operating system
• Referring website
• Pages visited
• Time spent on pages
• Click activity
• Cookies and tracking identifiers

D. Third-Party Tracking Technologies

We may use tools such as:

• Google Analytics
• Google Ads conversion tracking
• Meta (Facebook/Instagram) Pixel
• Retargeting platforms
• CRM and automation systems

These tools may collect usage and behavioral data.

2. How We Use Your Information

We use the collected information to:

• Respond to inquiries
• Evaluate eligibility for down payment assistance programs
• Connect you with licensed mortgage professionals or housing program providers
• Provide customer support
• Send appointment confirmations
• Send updates about applications
• Deliver marketing communications (if consented)
• Send SMS messages (if opted in)
• Improve our website and services
• Conduct analytics and performance tracking
• Comply with legal and regulatory obligations

We do not guarantee loan approval or program eligibility.

3. SMS Opt-In Details

By submitting your phone number through our website forms, you expressly consent to receive SMS text messages from Maryland Down Payment Assistance.

Types of Messages

You may receive messages related to:

• Appointment reminders
• Application updates
• Documentation requests
• Customer support
• Program information
• Promotional or marketing messages (if opted in)

Message Frequency

Message frequency varies depending on your engagement.

Message & Data Rates

Message and data rates may apply based on your mobile carrier plan.

Opt-Out Instructions

You may opt out at any time by replying:

STOP

After you send STOP, you will receive a confirmation message and will no longer receive SMS communications unless you opt back in.

For assistance, reply:

HELP

Consent Condition

SMS consent is not a condition of purchase or loan qualification.

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

4. Cookies & Tracking Practices

We use cookies and tracking technologies to:

• Remember user preferences
• Enable website functionality
• Analyze traffic
• Measure ad performance
• Deliver retargeted advertisements

Types of cookies may include:

• Essential cookies
• Analytics cookies
• Marketing cookies
• Session cookies
• Persistent cookies

You may disable cookies through your browser settings, but certain website features may not function properly.

5. How We Share Information

We may share your information with:

• Licensed mortgage lenders
• Housing counseling agencies
• Real estate professionals
• Program administrators
• CRM and marketing automation providers
• Website hosting providers
• Analytics providers

We only share information as necessary to provide requested services or operate our business.

6. Mobile Information Sharing Statement

We do not sell, rent, or share mobile phone numbers or SMS consent information with third parties for their marketing purposes.

Mobile information will only be used for the purposes described in this Privacy Policy.

7. Data Security & Handling

We implement reasonable administrative, technical, and physical safeguards to protect your information, including:

• Secure hosting environments
• Encrypted data transmission (SSL)
• Restricted internal access to personal data
• Secure third-party service providers

However, no method of transmission over the internet is 100% secure.

8. Data Retention

We retain personal information for as long as necessary to:

• Provide services
• Comply with legal obligations
• Resolve disputes
• Enforce agreements

Retention periods may vary based on regulatory and operational requirements.

9. Your Rights

Depending on applicable laws, you may have the right to:

• Request access to your personal information
• Request correction of inaccurate data
• Request deletion of personal data
• Opt out of marketing communications
• Withdraw SMS consent
• Request data portability

To exercise your rights, contact us at the information below.

We will not discriminate against you for exercising your privacy rights.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices.

11. Children’s Privacy

This website is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

12. Changes to This Policy

We may update this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.

13. Contact Information

marylanddownpaymentassistance.org
Maryland Down Payment Assistance
16 HUNTERS POINT, MILLSBORO, DE 19966
Phone:(443) 902-4917
Email: jsalem@allwestern.com