Privacy Policy

Framework Homeownership, LLC Privacy Policy

Last updated: September 15, 2026

 

Framework’s Respect for Privacy

Framework Homeownership, LLC (“Framework”, “we”, “our”, or “us”) respects the importance of the privacy of your personal information. Framework provides this Privacy Policy so you know about Framework’s information handling and storage practices and understand how Framework treats the information it receives about you from your access or use of the applications, software, websites, content, products, and services (collectively, the “Services”) made available in the United Sates by Framework. By accessing or using the Services, you agree to the terms of this Privacy Policy. Access and use of the Services and any dispute over privacy is subject to the Terms of Use, including limitations on damages and application of the law of the Commonwealth of Massachusetts. Use of the Services is strictly voluntary. If you do not agree to this Privacy Policy and the applicable Terms of Use, you must immediately log off the Services and may not access or use the Services.

State-Specific Privacy Rights


Residents of certain U.S. states may have additional privacy rights. Please review our Supplemental Privacy Notice for information about rights that may apply to you.

 

Your Consent

BY SUBMITTING YOUR PERSONAL INFORMATION TO FRAMEWORK, OR BY FRAMEWORK RECEIVING YOUR PERSONAL INFORMATION FROM THIRD PARTIES, YOU ARE CONSENTING TO THE COLLECTION AND PROCESSING OF YOUR PERSONAL INFORMATION IN THE UNITED STATES AND TO FRAMEWORK’S USE OF YOUR PERSONAL INFORMATION AND ANY RELATED INFORMATION IN THE MANNER DESCRIBED IN THIS PRIVACY POLICY, INCLUDING THE TRANSMISSION TO, AND STORAGE AND PROCESSING OF YOUR PERSONAL INFORMATION BY THIRD PARTIES OUTSIDE THE UNITED STATES. IF YOU ARE SUBMITTING PERSONAL INFORMATION ABOUT THIRD PARTIES TO FRAMEWORK, YOU WARRANT AND REPRESENT YOU HAVE THEIR CONSENT TO PROVIDE THEIR PERSONAL INFORMATION TO FRAMEWORK AND YOU WILL INDEMNIFY FRAMEWORK AND HOLD FRAMEWORK HARMLESS FROM AND AGAINST CLAIMS BY SUCH INDIVIDUALS RELATING TO FRAMEWORK’S PROCESSING AND USE OF SUCH PERSONAL INFORMATION WITHIN THE TERMS OF THIS PRIVACY POLICY.

 

The Information Framework Collects

Online Activities. When you use our Services, we may collect information about your visit and store that information, which are records of the activities relating to the use of our Services. Our servers automatically capture and save the information electronically. The information we collect helps us administer the Services, analyze usage, protect our websites and their content from inappropriate use, and improve the visitor’s experience. The information may be used for marketing purposes and may uniquely distinguish your browser or computer from others’ devices. Examples of information that we may collect or that third parties may collect while you navigate our website include, but are not limited to:

 

Cookies. In order to register for an account with, to make purchases from, or to make full use of the Services, your browser must be set to accept “cookies.” Cookies are alphanumeric identifiers that Framework transfers to your computer or mobile device in order to enable the Services to “recognize” you every time you visit and to “remember” any information you have saved, such as storage of items in your shopping cart between visits if you make purchases from Framework. Framework does not use cookies to store any of your personal or financial information that you have on your computer.

Framework recognizes that you have a choice to refuse cookies. However, should you decide not to accept cookies from the Services, you may limit the functionality Framework can provide when you use the Services. View your browser’s help file for more information on cookies.

Some website content is served by third parties. These third parties may use cookies, alone or in conjunction with web beacons or other tracking technologies, to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

Home Buying and Home Ownership. Use of the Services may be made in connection with an individual’s efforts to purchase a home and/or maintain an existing home. In order to use the products and services available through the Services, which may include taking educational courses about buying a home, you will be required to provide information that lets Framework know the specifics of who you are, and may include, without limitation, your first and last name; mailing address; email address; date of birth; last four digits of your social security number; telephone and facsimile numbers; credit card number, debit card information, or other payment processing information; and other personal identifying information. You may also be required to provide information about your race, gender, education, income, and various other demographic items or topics related to your personal life. If you take an educational course, the details about your use of the course will be collected and retained by Framework, and will include, without limitation, the means by which you paid for the course, coupon information, when you enrolled, when you took it, completion information, and your exam results. In addition, after you have completed a course, you will be required to take an exit survey or provide feedback about the course, the results of which will also be collected and retained by Framework.  If you use the Services to store information about your existing home, such as information about repairs, improvements, expenses and other information, your  disclosure of this information to Framework is optional, and Framework only collects the information you provide.

Information from Public and Third Party Sources. Framework may obtain property, mortgage, tax, and other real estate-related information from public records and third party data providers. Framework may combine this information with information you provide to us for the purposes described in this Privacy Policy, including research, longitudinal impact analysis, and measurement of homeownership outcomes.

Other Activities. When you engage in certain activities through the Services, such as registering as a user of the Services; sending Framework a message using the Services; seeking guidance services; ordering a product or service; registering for an event, entering a contest or sweepstakes; participating in social media activities involving things such as Facebook, Twitter, YouTube, or Foursquare, whether through use of the Services or the related social media platforms; participating in studies or research activities; filling out a survey; or sending feedback or product reviews; Framework may ask you to provide personal information. If you choose to share any personal information with Framework, you will see that the amount and type of personal information Framework requests depends on how you use the Services. It is completely optional for you to engage in these activities. Depending upon the activity, some of the information Framework asks you to provide is identified as mandatory and some is voluntary. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity. In addition, there may be instances where Framework will ask you for your permission to use certain of your personal information for various purposes, which might include, without limitation, to evaluate existing products and services; to assist in the development of new products or services; research; to identify trends and changes in relevant industries; and to file reports with various government agencies, associations, or other organizations. You may decline the request to do so.

 

Advertising and Analytics Providers. Framework may use third-party analytics and advertising technologies, including cookies, pixels, and similar technologies. These technologies may collect information such as online identifiers, IP addresses, browsing activity, device information, and interactions with the Services, and in some circumstances may associate that information with activity across other websites or online services. Where this activity constitutes targeted advertising, cross-context behavioral advertising, a sale, or sharing under applicable law, Framework provides the privacy choices and opt-out rights required by applicable law. You may exercise applicable choices through sending us a request.

Framework may use a third party to provide you with the opportunity to review its products or services. In that case, when you submit a product review, you become subject to the terms of use and privacy policy of this third party in addition to Framework’s Privacy Policy and applicable Terms of Use. The reviews you submit may be publicly available in the Services.

 

The Way Framework Uses Personal and Other Information

Framework uses personal information to provide and improve its products and services, including the Services, for purposes in its legitimate interests, and for compliance with applicable laws.  Framework processes personal information on the basis that it is: (a) necessary for the performance of a contract Framework has with you; (b) in Framework’s or a third parties’ legitimate interests; (c) where you give Framework your consent; or (d) for compliance with a legal obligation.

Framework may use your IP address to, among other things: (a) help diagnose problems with the Framework server, administer the Services, measure the use of the Services, and improve the content of the Services; (b) identify visitors’ domain names, the type of web browsers used, the pages viewed, the websites from which a visitor found the Services, the search terms and search engines used to find the Services; and (c) gather other web analytics information relating to visitors’ use and navigation of the Services. This information does not identify you personally. On occasion Framework may aggregate this data with data on the pages visited by other users to track overall visitor traffic patterns and provide this aggregate information to vendors, potential advertisers, business partners, news agencies, or other parties to demonstrate the amount of interest in the Services and to help Framework plan for technical infrastructure requirements.

Framework may use your personal information for particular activities, including, without limitation, processing your order; payment processing; providing you with guidance services; storing personal information on your behalf for your own use; enrollment and registration for courses, verifying enrollment, testing results, monitoring completion of courses; registering for events; delivery; fulfillment; customer service; marketing and research; studies, making referrals; providing product, promotional and other information to you; and to contact you regarding administrative notices.

Framework may also use personal information, including contact, demographic, course, and homeownership-related information, together with publicly available or lawfully obtained property, mortgage, tax, and other real estate-related information, to conduct research and impact analysis concerning homeownership outcomes and market trends. This may include matching information about you to property-related records to evaluate outcomes over time. Framework may use information in identifiable form internally where reasonably necessary to perform this matching and analysis. Reports, dashboards, and other materials made available to third parties from this analysis are provided in deidentified or aggregated form and are not intended to permit identification or lookup of individual consumers.

Framework may disclose personal information to affiliates, referral partners, counseling agencies, financial service providers, lenders, mortgage insurers, government entities, nonprofit organizations, service providers, and other business partners where reasonably necessary to provide the Services, make referrals requested by or associated with the Services, satisfy reporting obligations, or conduct research and studies consistent with this Privacy Policy. Framework may also provide third parties with deidentified or aggregated research, analytics, and impact reports. Some processing may continue after you obtain a loan or complete another housing transaction where reasonably necessary for longitudinal research or impact analysis. Payment-related information may be provided to payment processors and financial institutions as necessary to process transactions, returns, or refunds.

Note that Framework does not have any responsibility for the actions or policies of any business partners, many of which may have relationships with lenders, realtors, government agencies, or other parties. You should satisfy yourself about how your information may be used by any business partner.

Framework may use information it collects or receives in deidentified or aggregated form that is not reasonably capable of being associated with or linked to you or your household. Framework may use such information to evaluate or develop products and services, conduct research and impact analysis, identify trends and changes, measure homeownership outcomes, and prepare reports, dashboards, and other analyses for government agencies, associations, lenders, realtors, educational institutions, and other organizations. When Framework maintains information in deidentified form, it takes reasonable measures to prevent reidentification and does not attempt to reidentify the information except as permitted by applicable law.

Framework may disclose personal information in any of the following circumstances: (a) in response to a subpoena, search warrant, court order, or other legal process or request, or as may otherwise be required by applicable law or regulation; (b) to protect and defend Framework rights or property or those of its affiliates or business partners, or others; or (c) as Framework, in its sole discretion, believes is appropriate under exigent circumstances in response to a perceived threat to the personal safety, property, or rights of any person or organization.

In addition, since the Framework database is a business asset, in the event Framework is reorganized or becomes part of another organization, you consent to the sale, assignment, or transfer of your personal information to a successor that acquires substantially all of the business assets of Framework, or to an affiliate, as applicable.

Framework will never request your password, user name, credit card information or other personal information through e-mail. This practice, called “phishing,” is a scam designed to steal your personal information. If you receive an e-mail that looks like it is from Framework asking you for your personal information, do not respond.

 

Framework’s Relationship to Other Sites that can be Accessed Through the Services

The Services may contain links to other websites or you may have been directed to the Services from another website, including, without limitation the websites of a Counseling Agency. Framework does not review or monitor the websites linked to the Services and is not responsible for the contents or privacy policies related to any other websites. If you visit one of these other websites, you should review the privacy policy on that website. Where the Services contains a link to another website owned and/or operated by Framework, such website use may be subject to different and additional terms of use and privacy policy terms and conditions.

 

Your Options Regarding Personal Information

You may request that we correct, update or amend your Personal information we collect and maintain. To update us regarding changes in your Personal Information, please contact us as described below.

You may elect to opt-out of receipt of email and text communications from us by following the instructions provided in such communications or by contacting us as provided below. Even after opting out, you may still receive service oriented, non-promotional communications from us and promotional communications from other third parties as a result of their own interactions or transactions with you. Please allow time for us to process your request or contact us should you have any concerns about your opt-out request.

Where applicable law gives you the right to opt out of the sale or sharing of personal information or the processing of personal information for targeted advertising, you may exercise that right through sending a request. Where required by applicable law, Framework also recognizes and processes applicable universal opt-out preference signals, such as Global Privacy Control. A browser “Do Not Track” signal is different from a legally recognized universal opt-out preference signal.

“Do-Not-Track” is a public-private initiative that has developed a technical “flag” or signal that an end-user may be able to activate within their browser software to notify websites that they do not wish to be “tracked” by third parties as defined by the initiative. The initiative, however, has not reached a consensus as to exactly what technical or other actions those parties receiving the signal should take. As a result, Do-Not-Track has not yet been standardized and most websites, , do not alter their behavior or change their services when they receive a “Do-Not-Track” flag or signal.

You may also follow the steps provided by initiatives that educate users on how to set tracking preferences for most online advertising tools. These resources include the Network Advertising Initiative (https://thenai.org/about-online-advertising/) and the Digital Advertising Alliance (https://digitaladvertisingalliance.org/). The Digital Advertising Alliance also offers an application called AppChoices (https://youradchoices.com/appchoices) that helps users to control interest-based advertising on mobile apps.

 

How Long We Keep Personal Information

We retain personal information only for as long as reasonably necessary and proportionate to fulfill the purposes described in this Privacy Policy, including providing the Services, conducting research and longitudinal impact analysis, complying with legal and contractual obligations, resolving disputes, and protecting our legal rights. Retention periods may vary depending on the type of information and the purpose for which it is processed. When identifiable information is no longer reasonably necessary for these purposes, we will delete it or convert it to deidentified or aggregated information, unless longer retention is required or permitted by applicable law.

 

Security of Your Personal Information

Framework takes reasonable precautions to protect the security of data and information, including personal information. Framework may transmit your personal data to third parties outside the United States for storage or processing. Framework will attempt to ensure that your personal information will be subject to appropriate safeguards and that it is processed and secured in accordance with applicable law. However, Framework cannot guarantee against any loss, misuse, unauthorized disclosure, or alteration or destruction of data or personal information. While Framework strives to protect your personal information, Framework cannot guarantee the security of any information you transmit to, from, or within the Services, by email or otherwise, and you provide such information at your own risk. You acknowledge that: (a) there are security and privacy limitations in computer systems and on the Internet which are beyond the control of Framework; (b) the security, integrity, and privacy of any and all information and data exchanged between you and Framework through the Services, including personal information, cannot be guaranteed; and (c) any such information and data, including personal information, may be viewed or tampered with by a third party while such information or data is being used, transmitted, processed, or stored.

 

Children’s Online Privacy Policy

Our Services are not directed to children under the age of 18, and we do not knowingly collect Personal Information from children under the age of 18 on these Services. In addition, we do not sell any Personal Information of minors under 18 years of age.

 

Changes to Privacy Policy

This Privacy Policy may be updated periodically

to reflect relevant changes in our information practices. We will post a notice on our Services to inform you of significant changes to this Policy. We will also provide additional information regarding changes to this Privacy Policy as may be required by law. Your continued use of our Services following our posting of any such changes will mean that you accept such changes.
For further information or if you have any questions about this Privacy Policy, please contact us in one of the following ways:

By email at: contact@frameworkhomeownership.org

 

Or by U.S. Mail at:

Framework Homeownership, LLC

177 Huntintgon Ave., Ste. 1703

PMB 49146

Boston, MA 02111

 

All communications must be in either the English or Spanish languages. Please clearly state what information you are requesting and any other requests you are making.

Framework will respond to reasonable requests within the time limits established by applicable law or within a reasonable time if no time limit is established by applicable law. For your protection, Framework may ask you for additional information to verify your identity. If you send Framework an email requesting that Framework take action regarding your personal information or the right to be forgotten, the requesting email MUST come from the email address Framework has on file for you in order to verify that the request is valid and also to protect your personal information.  In most cases, Framework will provide the information you request and correct or delete any inaccurate personal information you discover.

Framework reserves the right, however, to limit or deny your request to the extent permitted by applicable law if: (a) complying with the request may present a threat to the personal safety, property, or rights of any other person or organization; (b) complying with the request may lead to a violation of applicable laws or regulations; (c) Framework is not required to comply with the request because of a legal rule or exception; or (d) you have failed to provide Framework with sufficient evidence to verify your identity.