The agreement that keeps your HIP experience transparent, fair, and compliant.
These terms outline how you can use the Home Intelligence Platform (HIP), how we engage with licensed professionals, and the responsibilities on both sides of the relationship.
Snapshot
Effective: August 1, 2025
Scope: HIP calculators, journey tools, lead experiences, partner referrals
Jurisdiction: California law governs these terms
1. Acceptance & Use of HIP
These terms form your agreement with Home Intelligence Platform. By accessing HIP you acknowledge the responsibilities and restrictions below.
When you accept these terms, you agree to
- Use HIP only for lawful purposes tied to buying, selling, or managing real estate.
- Provide accurate information when creating your account, running calculators, or requesting referrals.
- Safeguard your account credentials and notify us of unauthorized access immediately.
- Respect HIP intellectual property—no scraping, reverse engineering, or redistributing content without permission.
- Only submit leads or referrals for individuals you’re authorized to represent or assist.
Your HIP account may not be used to
- Violate any local, state, or federal laws, including Fair Housing and lending regulations.
- Submit fraudulent information or impersonate another individual or entity.
- Attempt to access other users’ data or HIP systems without authorization.
- Disrupt service availability, introduce malware, or engage in security testing without approval.
2. Educational Purpose & Disclaimers
HIP calculators provide clarity, not commitments. They’re designed for planning and to support conversations with licensed professionals.
Key things to understand
- HIP calculators deliver estimates based on self-reported inputs and market assumptions; they do not guarantee outcomes.
- HIP is not a lender, does not issue credit decisions, and does not provide legal or financial advice.
- Real-world loan terms, interest rates, eligibility, and closing costs depend on underwriting by licensed lenders.
- Always review official Loan Estimates, Closing Disclosures, and consult licensed professionals before committing.
3. Data Collection & Privacy
We only collect what we need to power HIP, personalize your experience, and connect you with the right pros.
By using HIP you acknowledge
- We collect personal, financial, and property information to provide calculators and recommendations.
- We collect technical data (cookies, usage analytics) to secure HIP and improve functionality.
- We follow the practices outlined in our Privacy Policy, including retention schedules and CCPA rights.
- You can manage data rights—download, delete, or opt out—via account settings or privacy@hip.example.com.
Linked policy
Review the HIP Privacy Policy to understand how we collect, use, share, and secure your information.
4. Referrals, Partners & Communications
We help you connect with licensed real estate and mortgage professionals who can act on your plan.
By submitting a lead or consultation request
- You authorize HIP to share relevant details with affiliated brokerages, lenders, or service partners.
- You consent to receiving phone calls, emails, and text messages related to your request (with opt-out options).
- You understand partner engagement may result in referral fees paid to HIP or affiliated entities.
- You can withdraw consent or opt out of communications at any time.
Partner responsibilities
- Partners must be appropriately licensed and operate within applicable real estate and lending laws.
- Partners may not use HIP data for any purpose beyond meeting your specific request.
- Partners honor consumer protection rules, including Fair Housing, Equal Credit Opportunity, and TCPA.
5. Disclaimers, Limitation of Liability & Termination
We stand behind the experience we build, but HIP is provided “as-is” with specific limitations.
Disclaimers
- HIP provides educational tools and journey guidance “as-is” without warranties of accuracy or fitness for a specific purpose.
- HIP does not guarantee loan approval, interest rates, or property outcomes.
- Third-party content (MLS listings, partner offers) is provided by partners and may change without notice.
Limitation of liability
- To the maximum extent allowed by law, HIP is not liable for indirect, incidental, consequential, or punitive damages.
- HIP’s total liability is limited to amounts paid (if any) for HIP services in the 12 months preceding the event.
- We may suspend or terminate accounts that violate these terms or pose security/compliance risks.
6. Updates, Governing Law & Contact
HIP is built in California for nationwide scalability. We’ll keep you in the loop as we evolve.
Updates & governing law
- We may update these terms to reflect new features, partners, or regulations.
- Material updates will be disclosed via email and in-app notifications with an effective date.
- Your continued use after updates indicates acceptance.
- These terms are governed by California law, without regard to conflicts of law principles.
Contact us
Email: legal@hip.example.com
Mailing address: 135 S. State College Blvd. #200 Brea, Ca. 92821
Equal housing commitment
HIP and its partners comply with Fair Housing and Equal Credit Opportunity laws. We do not discriminate based on race, color, religion, national origin, sex, marital status, age, disability, or any other protected class.
California DRE License: #01845929
NMLS ID: #1107134