Agreement for Electronic Transactions

YOUR CONSENT TO ELECTRONIC RECORDS

HouseAmp Inc.

Effective June 10, 2020
This Agreement for Electronic Transactions and Consent to Electronic Records (“Agreement”) is between the individual who uses the HouseAmp website (the “HouseAmp Site”), downloads the HouseAmp mobile application (the “HouseAmp App”), or who uses any other product or service offered or provided by HouseAmp Inc. or any entity that is an affiliate of HouseAmp Inc. Under this agreement, HouseAmp Inc. and each of its affiliates is referred to as “HouseAmp.” Under this Agreement, You are being asked: first, to acknowledge and agree to conduct transactions through electronic methods; and, second, to acknowledge and agree to receive all documents and communications via electronic records (e.g., email, PDF, or text messages), instead of through paper records. This Agreement between You and HouseAmp governs the Your access to and use of the HouseAmp Site, the HouseAmp App, and each of the products and services that HouseAmp provides to You (i.e., each and collectively the “Services”). Please carefully read this Agreement and retain a copy for Your records.IF YOU DO NOT AGREE TO CONDUCT TRANSACTIONS THROUGH ELECTRONIC METHODS AND TO RECEIVE ALL DOCUMENTS AND COMMUNICATIONS VIA ELECTRONIC RECORDS, THEN YOU MAY NOT OPEN A HOUSEAMP ACCOUNT OR YOUR HOUSEAMP ACCOUNT MAY BE TERMINATED. Notwithstanding this Agreement, HouseAmp reserves the right to act, in HouseAmp’s sole discretion, to provide a paper copy of any Document to You; however, unless HouseAmp provides its express agreement, you may not substitute a paper copy for any electronic record of any Document.

General Agreement for Electronic Methods for Transactions
By clicking “Consent and continue,” You acknowledge and agree that:
1. You and HouseAmp each shall have the right to use an electronic method to conduct any transaction relating to the (i) the HouseAmp Site, (ii) the HouseAmp App, (iii) any financial product or service offered or provided by HouseAmp, or (iv) any other aspect of the HouseAmp Services; and
2. Notwithstanding clause (A)(1), You or HouseAmp may elect to use other methods, such as to transact orally over the telephone, but the use of another method does not modify or revoke the parties’ general agreement to conduct transactions using electronic methods.

Consent to Receive Electronic Records
‍By clicking “Consent and continue,” You are consenting to receive any and all agreements, documents, notices, receipts, or statements in an electronic form (each an “Electronic Record”) relating to (i) the HouseAmp Site, (ii) the HouseAmp App, (iii) any financial product or service offered or provided by HouseAmp, or (iv) any other aspect of the HouseAmp Services.In particular, You acknowledge and agree that:
1. HouseAmp may provide any Electronic Record to You, including any agreement, document, notice, receipt, or statement in an electronic form, and not necessarily in a paper document;Your electronic signature on any Electronic Record has the same effect as if You signed a paper document;
2. HouseAmp may provide an Electronic Record, instead of a paper document, to provide information or to give any notice that is required by law to be disclosed or provided in writing, including information regarding Your legal rights or duties;
3. Your smartphone, computer, or other electronic device (“Device”) meets the specifications and requirements listed below, and Your Device permits You to access, receive, and retain the Electronic Records; and
4. You shall, at all times, provide HouseAmp with Your then-current email address, contact information, and any other information that HouseAmp may need to communicate with You via electronic methods.

You agree that HouseAmp is permitted to send any and all information to You via Electronic Records, such as via email, to a website or link that is included in an e-mail notice, or through other means to Your HouseAmp Account where you can review the Electronic Records using Your Device. You agree that HouseAmp’s delivery of each Electronic Record (and the Electronic Record itself) shall have the same meaning and effect as if a paper document is provided to You, regardless of whether You choose to open or view an Electronic Record.You also acknowledge and agree that You have the hardware and software described in Section D, that You are able to receive and review Electronic Records, and that You have an active email account.Your consent to receive Electronic Records shall last until You revoke Your consent, and You agree that any revocation You elect to make may be effective only if You communicate Your decision in accordance with the instructions described in Section E.

Email Address Must Be Kept Current
‍You shall, at all times, provide HouseAmp with a true, accurate, and complete email address, as well as other contact information (such as Your mobile telephone number), as HouseAmp may request, in order to communicate with You. You shall promptly notify HouseAmp of any change in Your email address or any other necessary contact information. HouseAmp shall not be at fault, and shall not bear any liability if You fail to update Your email address or any other necessary contact information. If HouseAmp sends an email message to You regarding any electronic communication or any transaction and uses the email address that You have provided in the HouseAmp Site, the HouseAmp App, or in Your HouseAmp Account, HouseAmp shall be deemed to have provided notice or completed that transaction with You. If such an email is returned as undeliverable, HouseAmp shall not have any duty to re-deliver the email unless and until You provide an updated email address, and subject to any conditions that HouseAmp may impose to maintain its security controls for the HouseAmp Site, the HouseAmp App, or for Your HouseAmp Account.
If Your email address is no longer valid, HouseAmp reserves the right to determine that Your HouseAmp Account is inactive. You will not be able to conduct any transaction using the HouseAmp Site, the HouseAmp App, or in Your HouseAmp Account until You update your email address in Your HouseAmp Account profile.You may change the email address on record in Your HouseAmp Account by making the necessary modification in the profile page or by contacting HouseAmp at info@houseamp.com
‍From time to time, HouseAmp may provide You with separate instructions to update your email address in the HouseAmp Account.

Hardware and Software You Need
To access or to view Electronic Records, You will need:
- a smartphone, mobile device (such as a laptop or tablet), or computer, each equipped with a Current Version (defined below) of a qualifying operating system;
- a connection to the Internet;
- a Current Version of an Internet browser with cookies enabled;
- an accurate and valid email address in HouseAmp’s file (which You may modify in the profile for Your HouseAmp Account);
- a Current Version of a program that accurately reads and displays PDF files (which may be either a browser that supports native PDF rendering or a program such as Adobe Acrobat Reader).
The term “Current Version” means a version of the software that HouseAmp supports and that is currently being supported by the publisher of that software. HouseAmp supports the Current Version and for a period of time (at least three months), the version immediately prior to the Current Version of (i) Android and iOS and (ii) Firefox, Google Chrome, Microsoft Internet Explorer, and Safari.
As permitted by and in accordance with applicable law, HouseAmp reserves the right to discontinue support of a Current Version of software for any reason, including HouseAmp’s own determination that the software suffers from a security defect or other flaw that makes the software unsuitable for use with the HouseAmp Site, the HouseAmp App, or any process that HouseAmp uses for offering or providing its financial products or services.

Revoking Your Consent for Electronic Records
‍Your consent to receive Electronic Records is effective until further notice by HouseAmp or until You withdraw or revoke Your consent to receive Electronic Records.
You may withdraw or revoke Your consent to receive Electronic Records at any time. However, in order to communicate Your election to withdraw or revoke Your consent to receive Electronic Records, You must either:
(i) Send us an email to info@houseamp.com; or
(ii) Submit Your decision to HouseAmp, in writing, to:
19689 7TH AVE NE, Ste.178
POULSBO, WA 98370

Any election You make to withdraw or revoke Your consent to receive Electronic Records shall take effect only after HouseAmp has a reasonable period of time to process Your election.
If You withdraw or revoke Your consent, You may not be permitted to use the HouseAmp Site, the HouseAmp App, or some or all of the HouseAmp Services. Moreover, if You withdraw or revoke Your consent to receive Electronic Records, HouseAmp may, in its sole discretion, close Your HouseAmp Account (but not terminate any loan agreement You may have at that time). You understand that You may have a right to receive information required to be delivered to you in paper form. To exercise any right You may have to request a paper copy of any document, at no charge to You, please write to HouseAmp, at 19689 7TH AVE NE, Ste.178, POULSBO, WA 98370 within 180 days of the date of the disclosure. In Your request, please specify the paper document You wish to receive. If You request a paper document, Your request, in and of itself, shall not constitute Your withdrawal or revocation of Your consent to receive Electronic Records.

Consumer Privacy Notice

HouseAmp Inc.

Effective Date: June 12, 2024

Thank you for choosing HouseAmp Inc. and Subsidiaries' products and services. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your data when you use our software applications, websites, and services.

HouseAmp Inc. and Subsidiaries, each for itself and its other affiliates (each entity referred to as “HouseAmp”), provides this consumer Privacy Policy (“HouseAmp’s Privacy Policy”) to describe the privacy policies that apply to the HouseAmp Services. HouseAmp’s Privacy Policy applies in connection with an individual’s use of HouseAmp’s website (HouseAmp’s Site”), or any transaction relating to one or more of HouseAmp’s products or services.

For the purposes of HouseAmp’s Privacy Policy, the term “you” or “your” relates to the individual who: (i) uses HouseAmp’s Site or; (ii) downloads (even without using) the HouseAmp platform; or (iii) applies for, or obtains, any one or more of HouseAmp’s products or services. The term “HouseAmp,” “we,” or “our” refers to HouseAmp Inc. and Subsidiaries.

HouseAmp’s Privacy Policy applies to personally identifiable information about you, which we refer to as “your information.” In connection with HouseAmp’s treatment of your information, HouseAmp’s Privacy Policy describes the policies and procedures (including a summary of the relevant security controls) that HouseAmp uses when collecting, maintaining, using, or transmitting (or “disclosing”) to others any of your information. Please carefully read HouseAmp’s Privacy Policy.

Federal law gives a consumer the right to limit some, but not all, forms of disclosing or sharing personally identifiable information that a financial institution collects about the consumer. Federal law also requires a financial institution, such as HouseAmp Subsidiaries, to tell the consumer about how the institution collects, shares, and protects the consumer’s personal information.

HouseAmp reserves the right to modify any aspect of HouseAmp’s Privacy Policy, and HouseAmp may make these modifications at any time. In some circumstances, HouseAmp may modify HouseAmp’s Privacy Policy in one or more ways that may affect the treatment of your information without first notifying you of those modifications. Please review the date of HouseAmp’s Privacy Policy (designated “Effective As Of”) each time you use HouseAmp’s Site, or use any of the HouseAmp Services.

For information about HouseAmp, or any entity that is or may in the future be an affiliate of with HouseAmp, in connection with the treatment of your information under HouseAmp’s Privacy Policy, please see the section below entitled “Contacting HouseAmp.”

Information We Collect

We collect the following types of information:

Personal Information: This includes data that identifies you personally, such as your name, email address, phone number, and billing information.
Usage Data: We collect information about how you interact with our software, including log files, device information, IP addresses, and browsing history.
Cookies and Tracking Technologies: We use cookies and similar technologies to enhance your experience and analyze usage patterns.

How We Use Your Information

We use data for the following purposes:

To operate, provide, and maintain HouseAmp’s platform;
To improve, modify, or further develop HouseAmp’s products or services;
To protect you, HouseAmp’s service providers, or HouseAmp from fraud, malicious activity, or other privacy and security-related concerns;
To provide customer service to you or to develop or provide new services to you or to other consumers; or
To investigate any act (or omission) that could be a misuse of HouseAmp’s Site, HouseAmp’s Platform, or the HouseAmp Services

Data Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except as set forth in this Privacy Policy.

We may share your information with:

Third-Party Service Providers: We may share information with third-party service providers who assist us in operating our website, conducting our business, or servicing you.
Legal Compliance: We may disclose information when required by law or in response to lawful requests by public authorities.
Data disclosure laws vary between countries, and even within countries, they can be subject to federal, state/provincial, and local regulations. In the United States, data disclosure laws encompass a combination of federal and state regulations, such as:
- United States:
  - Federal Trade Commission Act (FTC Act):
    - Overview: The FTC Act broadly prohibits unfair and deceptive practices in commerce, including the unauthorized disclosure of personal information.
    - Enforcement: The Federal Trade Commission (FTC) enforces the FTC Act.
  - Gramm-Leach-Bliley Act (GLBA):
    - Overview: Primarily applicable to financial institutions, GLBA requires these institutions to protect the privacy and security of consumer financial information.
    - Enforcement: Various federal agencies, including the FTC, have enforcement authority.
  - Health Insurance Portability and Accountability Act (HIPAA):
    - Overview: Applies to protected health information held by covered entities and their business associates. It sets standards for the privacy and security of health information.
    - Enforcement: The Department of Health and Human Services (HHS) is responsible for enforcing HIPAA.
  - Children’s Online Privacy Protection Act (COPPA):
    - Overview: COPPA regulates the online collection of personal information from children under 13. It requires obtaining parental consent.
    - Enforcement: The FTC enforces COPPA.
  - California Consumer Privacy Act (CCPA):
    - Overview: State-level legislation granting California residents specific privacy rights and imposing obligations on businesses handling their personal information.
    - Enforcement: The California Attorney General can enforce the CCPA.

Data Security

We implement industry-standard security measures to protect your data from unauthorized access, alteration, or disclosure.

We take steps designed to protect your information that we collect, maintain, or disclose. These steps include maintaining information security controls, such as encryption technologies when transferring data or even when storing data, firewalls, and controls over the physical access to our systems. We regularly evaluate the security controls we use and those that our service providers use for protecting the security and confidentiality of your information. Our goal is to maintain effective security controls, as measured by relevant industry standards or by independent security auditors, for all the ways that you can use HouseAmp’s Services.

HouseAmp may keep your information for as long as necessary to fulfill the purposes for the information is collected. In addition, for some types of your information, HouseAmp may apply a longer retention period, such as for research or statistical analyses, except when storing or using that information for longer periods of time is not permitted under applicable law. As permitted under applicable law, even after you stop using HouseAmp’s Site or HouseAmp’s Platform or otherwise terminate your account with HouseAmp, we may retain your information.

Your Rights

Under some circumstances you may be allowed to prevent HouseAmp from sharing your information, by exercising your right to “opt out” of certain sharing.

You have the right to:

Opt-out of marketing communications: you may unsubscribe from marketing emails at any time.
Opt-out of Platform-related SMStext messaging.

Depending on your state of residence, you may have additional rights under that state’s law that affect whether and to what extent HouseAmp may disclose your information to other persons, including an affiliate of HouseAmp.

OPT-OUT NOTICE: HOW TO LIMIT OUR COOKIES AND SHARING

Cookies: We process your personal information to measure and improve our sites and service, to assist our marketing campaigns, and to provide personalized content. To adjust your cookies, please visit the Privacy Preference Center.

Privacy Preference Center

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Opting Out of Sharing: If you wish to limit HouseAmp from sharing your information with persons that are not affiliates of HouseAmp, you must exercise your opt-out right by contacting HouseAmp via this Data Privacy Request Form.

DISCLOSURES NOT SUBJECT TO YOUR OPT-OUT RIGHT

HouseAmp makes various types of disclosures of your information to a range of persons as permitted by law. Your election to opt-out of sharing your information does not affect these types of disclosures that we may are permitted to make. If we share your information as permitted by law, we may share some or all of the categories of your information that we collect. For example, HouseAmp may disclose all the types of your information with a real estate agent that you have selected or with a financial institution that HouseAmp has selected for any financial products or services that we, or we and the other institution jointly, offer or provide to you. HouseAmp also discloses, or reserves the right to disclose, your information:

With HouseAmp’s service providers or contractors in connection with the services they perform for HouseAmp; If HouseAmp believes in good faith that disclosure is appropriate to comply with applicable law, regulation, or legal process (such as a court order or subpoena);
In connection with a change in ownership or control of all or a part of HouseAmp’s business (such as a merger, acquisition, or bankruptcy) Between and among HouseAmp and HouseAmp’s future affiliates (such as subsidiaries or other companies under common control or ownership); or with your consent (by any reasonable method, including when you orally give your consent), unless you timely revoke your consent.

We may collect, use, process, or disclose your information in an aggregated or anonymized manner (i.e., in a manner that does not identify you personally) for any purpose permitted under applicable law.

Changes to this Policy

We may update this Privacy Policy periodically. Please review it regularly to stay informed about our practices.

Contact Us

If you have questions or concerns about our privacy practices, please contact us at 877-537-2643.

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For California Residents:

CCPA/CPRA – Privacy Policy Disclosure

Your Personal Information Protections

What is Personal Information?

Personal Information. Under California law your “Personal Information” includes the following data that identifies, relates to, or may be associated with you:

Demographic information (i.e., name, address, email)
A unique identifier, such as an IP address
Account or Social Security Number
Driver’s license or passport
Personal property records
Card numbers
Access codes (PINs & passwords)
Online activity
Biometric, geolocation, employment, and education data
Browsing and search history
Information concerning a consumer’s interaction with a website
Personal information also includes information that is identifiable to your household

HouseAmp Collection of Member Personal Information

Categories of Member Personal Information We Collect

Your personal information that we collect may include:

Personal identifier information: name, address, birth date, social security number, driver’s license number, email address, bank account information, site access codes, IP address, information regarding your interaction with our website.
Account and transaction information: account number, account information, transaction information, and credit information and required consents, opt-in & opt-out requests.

Where We Collect Member Personal Information

We collect the categories of personal information listed above when you: visit our website, create an account or submit an online application, conduct any transaction, send us an e-mail, letter, or contact us by chat or phone.

Purposes for which HouseAmp Uses and Shares Member Personal Information

How We May Use Member Personal Information

We may use each category of personal information we collect for the following purposes:

To verify the identity of the person conducting the account transaction or inquiry with us or our service providers
To fulfill service or transaction requests that you initiate
To prevent fraud or meet legal requirements.

We will not sell any of your personal information to anyone.

How We May Share Member Personal Information

We may share your personal identifiable information with 1) our third-party service providers and payment processor to facilitate your services or transactions, or 2) other financial companies with whom we have a joint marketing agreement that protects your personal information.

How Long We Will Retain Member Personal Information

We will retain your personal information so long as we need to use such information to maintain your account and services and as otherwise required by law, subject to your right request us to delete your personal information.

Your Rights to Protect Your Personal Information

Right to Request Access to Your Personal Information

You have a right to access your personal information that we have collected. Upon your request on our website, we will disclose any of the following information requested:

The categories of personal information collected;
The sources from which personal information was collected;
Our purpose for collecting the information;
The categories of third parties with whom we share personal information;
The specific pieces of your personal information we have collected;

Right to Request Your Personal Information Be Deleted

You have the right to request that we delete personal information about you that we have collected. Upon your verifiable online or email request to HouseAmp, we will delete the information and direct our service providers to delete the information from its records unless we or service provider needs the personal information. The following are the exceptions where HouseAmp and our service providers need the personal information to maintain and service your account and cannot delete the information:

To process your transactions for which the personal information was collected,
To provide the account or service requested;
To detect security incidents; protect against fraudulent, or illegal activity;
To identify and correct any HouseAmp systems errors;
To comply with the California Electronic Communications Privacy Act;
To operate the systems and applications to maintain your accounts and services,
To comply with a legal obligation or in a lawful manner compatible with the context in which you provided the information;

Right to Correct Inaccurate Information

You have the right to request HouseAmp to correct any personal information of yours that is inaccurate.

Right to Opt-out of Sharing or the Sale of Your Personal Information

You have the right to opt-out of any sharing of your personal information by HouseAmp with third parties, except our sharing with (i) our third-party service providers and payment transaction processors to facilitate your services or transactions, or (ii) other financial companies with whom we have a joint marketing agreement that protects your sensitive personal information.

HouseAmp does not sell any member personal information to any third party.

Your Sensitive Personal Information Protections

What is Sensitive Personal Information?

Sensitive Personal Information. Under California law your “Sensitive Personal Information means Personal Information that reveals information about your:

Social Security Number
Driver’s license, state ID card or passport number
Account access (log-in) credentials and account/card number in combination with a security/access code (PIN/Password) to access your account
Precise Geolocation or biometric identification data about you
Racial or ethnic origin, religious or philosophical beliefs or union membership, or sexual orientation
Contents of your email, mail, or text messages unless HouseAmp is the intended recipient
Genetic personal information

HouseAmp Collection of Member Sensitive Personal Information

Categoriesof Member Sensitive Personal Information We Collect

Your sensitive personal information that we collect may include:

Social Security Number,
Driver’s license or passport number,
Account access credentials,
Geolocation information
Racial or ethnic origin, religious or philosophical beliefs or union membership, or sexual orientation, and
Contents of your email, mail, or text messages unless HouseAmp is the intended recipient.

Purposes for Which HouseAmp Uses & Shares of Member Sensitive Personal Information

How We May Use Member Sensitive Personal Information

We may use each category of sensitive personal information we collect for the following purposes:

To verify the identity of the person conducting the account transaction or inquiry with us or our service providers,
To fulfill account or service requests that you initiate,
To prevent fraud or meet legal requirements.

We will not sell any of your sensitive personal information to anyone.

How We May Share Member Sensitive Personal Information

We may share your sensitive personal identifiable information with 1) our third-party service providers and payment transaction processors to facilitate your services or transactions, or 2) other financial companies with whom we have a joint marketing agreement that protects your sensitive personal information.

How Long We Will Retain Member Sensitive Personal Information

We will retain your sensitive personal information so long as we need to use such information to maintain your account and services and as otherwise required by law, subject to your right request us to delete your sensitive personal information

Your Rights to Protect Your Sensitive Personal Information

Right to Limit the Use and Disclosure of Sensitive personal Information

You have the right to request HouseAmp to limit the use and disclosure of the following sensitive personal information of yours for purposes other than what is reasonable and beneficial to you: precise geolocation data; racial and ethnic origin; union members; contents of certain email or text messages, and biometric information.

Additional Rights and Protections

Right to Equal Services & Pricing

You have the right to receive equal service and pricing from us even if you choose to exercise any of your privacy rights. We will not discriminate against you for exercising any of the consumer’s rights, including:

denying accounts or services to you;
charging different prices or rates for accounts or services or imposing penalties;
providing a different level or quality of accounts or services to you or suggesting that you will receive a different price or rate for accounts or services or a different level or quality of accounts or services

How to Submit Requests to HouseAmp or Contact Us for More Information:

You may submit your requests to HouseAmp as follows:

Phone: 877-537-2643

Online: Data Privacy Request Form

You may designate an authorized agent to submit requests on your behalf by providing us with your written authorization of the agent and the nature of your request.

We will verify your request by using our current authentication practices including matching the identity information you provide with your request with your personal information we maintain on file.

Privacy Protections

Additional Online Privacy Protections

OPT-OUT NOTICE: HOW TO LIMIT OUR COOKIES AND SHARING

Privacy Preference Center

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If you are a new customer, unless you elect to opt out of sharing, we can begin sharing your information 30 days after the date that we provide HouseAmp’s Privacy Policy to you.

When you no longer are a customer, we continue to have rights to disclose your information, as described in HouseAmp’s Privacy Policy. You may exercise your opt-out right at any time.

If you do exercise your opt-out right, you may at any time reverse your opt-out choice.

DISCLOSURES NOT SUBJECT TO YOUR OPT-OUT RIGHT

Data Privacy Request Form

HouseAmp makes various types of disclosures of your information to a range of persons as permitted by law. Your election to opt-out of sharing your information does not affect these types of disclosures that we may are permitted to make. If we share your information as permitted by law, we may share some or all of the categories of your information that we collect. For example, HouseAmp may disclose all of the types of your information with a real estate agent that you have selected or with a financial institution that HouseAmp has selected for any financial products or services that we, or we and the other institution jointly, offer or provide to you. HouseAmp also discloses, or reserves the right to disclose, your information:

With HouseAmp’s service providers or contractors in connection with the services they perform for HouseAmp;
If HouseAmp believes in good faith that disclosure is appropriate to comply with applicable law, regulation, or legal process (such as a court order or subpoena);
In connection with a change in ownership or control of all or a part of HouseAmp’s business (such as a merger, acquisition, or bankruptcy);
Between and among HouseAmp and HouseAmp’s future affiliates (such as subsidiaries or other companies under common control or ownership); or
With your consent (by any reasonable method, including when you orally give your consent), unless you timely revoke your consent;

Do Not Track Disclosures: Certain web browsers offer a “Do Not Track” (DNT) option that permits users to select a preference not to have information about web browsing activities monitored and collected. Our website will not honor DNT signals from you and we will not monitor or collect information of your browsing activity.

Our Privacy Policy is posted on our website at www.houseamp.com.

You can reach us: 877-537-2643

Amendments to Privacy Policy

HouseAmp may update this Privacy Policy at any time to reflect changes in our business, legal or regulatory requirements. If we may make any material changes to this Privacy Policy, we will notify you before the changes are effective by mail or email if you have chosen email communication. Any changes to this Privacy Policy will be effective on the date we designate as the effective date or as required by law. Please visit www.houseamp.com for our current Privacy Policy.