Public Website Privacy Policy

American Heroes Homes and Lending, Inc. Effective Date: October 6, 2026

1. Scope and Information Practices

This Privacy Policy explains the information practices of American Heroes Homes and Lending, Inc. (AHHL, we, us, or our) regarding how we collect, use, and disclose personal data gathered through ahhlusa.com, general program inquiries, and related communications.

This policy is an informational disclosure of our current practices. It does not function as a blanket contract or a forced collection consent. This policy does not apply to the independent data practices of participating lenders, real estate brokerages, or external organizations, which operate under their own separate privacy disclosures.

2. Information We Collect and Its Sources

We collect personal information through the following channels:

Direct Consumer Submissions: When you fill out an inquiry form, we collect data such as your name, phone number, email address, general physical location (zip code), profession or organizational affiliation, and stated homeownership goals.
Professional Member Submissions: When real estate professionals register for paid services, we collect professional contact details, licensing numbers, and corporate billing profiles.
Automated Technical Data: Our servers log standard technical indicators, including IP addresses, browser types, device operating systems, tracking URLs, and interaction timestamps.

Data Restriction Note: Do not transmit highly sensitive files like Social Security numbers, complete credit files, or asset documentation through our general public web forms. Independent lenders collect application data through their own secure, encrypted processing environments.

3. Cookies, Tracking Pixels, and Online Advertising

Our website utilizes standard technical identifiers to track platform performance and support our digital marketing campaigns.

Analytics and Tracking: We utilize web-tracking tools such as Google Analytics and the Meta (Facebook) Pixel to evaluate web traffic patterns, monitor user movement across our pages, and serve relevant advertisements regarding our hero educational programs across third-party networks.
Opt-Out Preference Signals: We recognize browser-based opt-out signals, including the Global Privacy Control (GPC). Where required by applicable state laws (such as California or Colorado), receipt of a legally recognized GPC signal will automatically opt that user out of targeted advertising, profiling, or data disclosures defined as a statutory sale or share. The scope and persistence of this opt-out match all applicable statutory mandates and your personal browser profile configurations.
Browser Adjustments and Do Not Track: You can configure your individual web browser to reject or delete cookies. Note that disabling essential cookies may impact the interactive formatting of our website pages. AHHL does not currently alter its operational practices or respond to standard, non-statutory automated browser "Do Not Track" (DNT) headers, as distinct from verified universal opt-out signals like GPC which we actively honor.

4. How We Use Personal Information

We process your personal data for clear, documented operational purposes:

To answer general questions regarding homeownership benefits.
To coordinate requested introductions with localized professional network providers.
To manage billing, profile configurations, and technical delivery for paid professional members.
To transmit educational newsletters, program updates, or administrative alerts (subject to your explicit communication choices).

5. How We Disclose Information

We do not sell, rent, or trade your personal information to independent data brokers. Data is disclosed strictly under the following controlled parameters:

Distinguishing Information Requests from Introductions: Submitting a request for general program information or educational guides does not authorize us to distribute your data. We will route your basic contact information to a localized independent participating network professional only when you execute an explicit request for an active professional introduction.
Statutory Sale, Sharing, and Targeted Advertising: While we do not exchange your information for monetary payment, our use of third-party tracking pixels (like Meta and Google) may be classified as "sharing" or "selling" data for targeted advertising or cross-context behavioral advertising under comprehensive state privacy laws. You may opt out of these advertising disclosures at any time via your browser's GPC signal or by utilizing our interactive "Your Privacy Choices" link located on our website footer.
Operational Vendors: We disclose data to contracted operational processors (such as secure cloud hosts, transactional payment gates, and CRM managers) who are bound by written agreements to protect your data and use it solely for our authorized tasks.
Legal Compulsion: We may disclose data to satisfy a valid legal subpoena, court order, regulatory audit, or to defend the physical safety and legal rights of our users or AHHL.

6. Communications, Telemarketing Consent, and Recordings

Telemarketing Compliance: Submitting your contact information does not grant automated marketing consent. Contact channels will only be used for automated dialers, pre-recorded messages, or artificial/AI voice marketing if you complete an affirmative, legally sufficient opt-in process identifying the specific sender. Marketing consent is entirely optional and is never a condition of purchase, enrollment, or mortgage approval.
Opt-Out Mechanics: You can stop promotional emails by clicking the integrated "Unsubscribe" link. You can halt text communication at any time by replying "STOP" to an AHHL text message.
Call Recordings: We do not routinely record phone calls. If AHHL implements telephone call recording or monitoring for quality control, clear verbal notifications and consent prompts will be delivered at the immediate start of the call in compliance with applicable state and federal wiretapping laws.

7. Data Retention and Security Safeguards

We retain personal information only for the duration necessary to satisfy the specific educational or professional purpose for which it was collected, or as required to fulfill legal, tax, or regulatory record-keeping duties.

We apply reasonable physical, technical, and administrative safeguards designed to protect personal data against unauthorized access, loss, or alteration. Because no digital framework is completely impenetrable, we maintain internal incident response procedures and provide consumer notifications as mandated by state data breach notification acts.

8. State-Specific Rights Procedures

Depending on your state of residency (including California, Colorado, or New York), you may possess specific statutory rights regarding your data. These may include the right to access, correct, delete, or obtain a portable copy of your records, as well as the right to opt out of targeted advertising, profiling, or data sharing.

Submitting Requests: To initiate a privacy inquiry, email hello@ahhlusa.com with the subject line "Privacy Request" or call 888-298-2445. Please state your full name and state of residency.
Verification and Agents: We use proportionate identity verification methods to process access, correction, or deletion requests. However, requests to opt out of targeted advertising, data sharing, or sales via our "Your Privacy Choices" link or GPC signals are processed immediately and are not subjected to identity verification hurdles. Authorized agents may act on your behalf provided they deliver formal, verifiable written authorization.
Statutory Response Deadlines: In compliance with state regulations, requests to opt out of data sharing, selling, or targeted advertising will be processed within fifteen (15) business days of receipt. Comprehensive consumer requests to access, correct, or delete information will be fulfilled within forty-five (45) calendar days, unless an extension is legally permitted.
Appeals: If a privacy request is administratively denied, residents in applicable states may file a formal appeal by emailing hello@ahhlusa.com with the subject line "Privacy Appeal." We will process and respond to the appeal within the mandatory statutory timeline established by your home state (typically 45 to 60 days). Our written response will outline our final determination and provide explicit instructions on how to file a formal complaint with your state Attorney General if you remain dissatisfied with the appeal outcome.
Nondiscrimination: We will not discriminate, deny services, or alter pricing structures because you choose to exercise your statutory privacy privileges.

9. Children’s Privacy

Our platform is built strictly for adult consumers and licensed professional real estate members aged 18 and older. We do not knowingly harvest or solicit personal information from children under the age of 13. If you believe a minor has submitted information, please alert us at hello@ahhlusa.com for rapid investigation and permanent deletion.

10. Policy Updates

We reserve the right to modify this Privacy Policy prospectively to reflect shifts in our operational or legal duties. Posting a revised policy online establishes the new effective date at the top of this webpage. Material modifications that require renewed consumer or member consent under applicable law will be implemented via direct electronic notices or active opt-in prompts, rather than solely by altering the text on this page.

11. Contact Us

American Heroes Homes and Lending, Inc. 532 Broadhollow Road, Suite 111, Melville, NY 11747 Email: hello@ahhlusa.com Phone: 888-298-2445