Privacy Policy

Last updated October 10, 2025

This Privacy Policy ("Policy") describes how Abode Financial Holdings, Inc. ("Abode," "we," "us," or "our") collects, uses, shares, and protects your personal information when you use our services ("Services"), including when you visit our website at www.abodemoney.com or engage with us through our platform, mobile applications, or other related services.

Questions or concerns? Contact us at privacy@ownabode.com or 1909 Alexander Ave, #1119, Austin, TX 78722.

This Privacy Policy is incorporated into our Terms of Service (the “Agreement”). All capitalized terms not defined herein have the meanings set forth in the Agreement.

‍

1. INFORMATION WE COLLECT

We collect various types of personal information, including, but not limited to:

  1. Contact information:
    • Names
    • Physical and mailing addresses
    • Email addresses
    • Phone numbers
  2. Identification Information:
    • Social security numbers
    • Driver's license numbers
    • Government-issued identification numbers
  3. Financial Information:
    • Payment information
    • Banking details
    • Credit information
    • Information from utility bills, property tax documents, and insurance policies
  4. Property Information:
    1. Home addresses and property details
    2. Property tax records and assessments
    3. Energy usage data and utility bills
    4. Insurance policy information and coverage details
  5. Technical Information:
    1. IP addresses
    2. Browser type and version
    3. Device identifiers
    4. Operating system information
    5. Website usage data through cookies and similar technologies
  6. Sensitive Personal Information: Under applicable state laws, we may collect sensitive personal information including:
    1. Social security numbers
    2. Financial account information
      ‍
      However, we do not use this information to infer characteristics about you.
  7. Biometric Information: We do not collect, use, or store biometric identifiers or biometric information as defined under applicable state laws, including fingerprints, voiceprints, facial recognition data, or other biological or physiological characteristics.

‍

2. HOW WE COLLECT PERSONAL INFORMATION

  1. Directly from You:‍
    1. When you share your home address and additional details
    2. When you create an account or use our Services
    3. When you provide documents for property tax appeals, energy plan enrollment, or insurance optimization
    4. When you authorize us to access your energy bills and insurance policy
    5. When you contact customer service
    6. When you participate in surveys or marketing activities
  2. From Third Parties:
    1. Business partners (e.g., insurance brokers, tax consultants, appraisers, real estate brokers, and energy providers)
    2. Data providers and commercial information services
    3. Social media platforms (if you connect your accounts)
    4. Public records and databases
  3. Automatically:
    1. Through cookies, web beacons, and similar tracking technologies
    2. Device and usage information when you interact with our Services

‍

3. HOW WE USE YOUR INFORMATION

We use your personal information to:

  • Provide Services: Monitor your recurring homeownership costs, notify you when there are ways to save, and facilitate property tax appeals, energy plan enrollment, and insurance optimization using AI to analyze your homeownership costs
  • Business Operations: Process payments, communicate with you, and maintain accounts
  • Service Fulfillment: Let you know if you can save, and when you decide if you want to switch providers, share your information with our licensed third-party partners to complete the requested services
  • Improvement and Development: Analyze usage, conduct research, and develop new features
  • Marketing: Send promotional communications (with your consent where required)
  • Legal Compliance: Meet regulatory requirements and respond to legal requests
  • Automated Decision-Making: Use algorithms to identify potential savings opportunities and match you with service providers
  • Retention: We retain your personal information for as long as necessary to provide Services, comply with legal obligations, resolve disputes, and enforce agreements. Specific retention periods vary by data type and applicable legal requirements.

‍

4. HOW WE SHARE YOUR INFORMATION

1. Business Partners
We share information with third-party business partners, including, but not limited to insurance brokers, tax consultants or other licensed professionals, and energy providers who may provide services through us or directly to you. These partners may pay us referral fees, commissions, or revenue shares.

2. Service Providers
We share information with contractors and service providers who help us operate our business, including payment processors, data analytics providers, and customer service platforms in order to provide services purchased or ordered by you.‍

3. Sale of Personal Information
We do not sell your information. Under some state privacy laws “sale” of data is defined very broadly. However, when we share your data, we do so for the purposes of providing the underlying services that you have requested or purchased, at your direction, or with service providers who are subject to exemption under such laws. If our practices change, we will update this policy and provide you with the appropriate opt-out mechanisms where required by law.

‍Other Disclosures
We may also disclose your information:

  • To comply with legal obligations or court orders
  • In connection with a business sale or merger
  • To protect our rights, property, or safety
  • With your explicit consent

‍

5. YOUR PRIVACY RIGHTS

Your rights vary depending on your state of residence. Below are the rights that may apply to you. Please note that the delineated rights may not apply to you to the extent that Abode is exempt from coverage under applicable law due to its size, scale, or other factors.

Universal Rights (All States)
  • Access: Request information about the personal information we collect and use
  • Correction: Request correction of inaccurate personal information 
  • Deletion: Request deletion of your personal information (subject to legal exceptions)
Additional Rights (Certain States)
  • Opt-Out of Sale: Opt out of the sale of your personal information
  • Opt-Out of Targeted Advertising: Opt out of targeted advertising
  • Opt-Out of Profiling: Opt out of automated decision-making/profiling
  • Data Portability: Receive your personal information in a portable format
  • Sensitive Data Consent: Withdraw consent for processing sensitive personal information
  • Non-Discrimination: Not receive discriminatory treatment for exercising privacy rights
State-Specific Rights

Comprehensive Privacy Law States: The following states have enacted comprehensive consumer privacy laws with detailed rights frameworks that may apply if you are a resident of said state:

California Residents (CCPA/CPRA):

  • Right to know categories and specific pieces of personal information collected
  • Right to know business/commercial purposes for collection
  • Right to know categories of third parties with whom information is shared
  • Right to opt out of sale and sharing for targeted advertising
  • Right to limit use of sensitive personal information
  • Right to non-discrimination for exercising rights

Florida Residents (FIPA):

  • Right to access, delete, and correct personal information
  • Right to opt out of targeted advertising and sale of personal information
  • Right to data portability
  • Right to non-discrimination for exercising rights

Virginia, Colorado, Connecticut, Utah, Montana, Oregon Residents:

  • Right to confirm processing and access personal data
  • Right to correct inaccuracies 
  • Right to delete personal data
  • Right to data portability
  • Right to opt out of targeted advertising, sale, and profiling

Nevada Residents:

  • Right to opt out of the sale of personal information
  • Right to submit verified requests through our designated request address
  • 60-day response timeframe for opt-out requests

Texas Residents:

  • Rights under the Texas Data Privacy and Security Act (where applicable)
  • Right to access, delete, and correct personal information
  • Right to opt out of targeted advertising and sale

Delaware, Iowa, Indiana, Tennessee, New Hampshire Residents (Effective 2025):

  • Comprehensive privacy rights including access, deletion, correction, and opt-out rights

Illinois Residents:

  • Biometric Information: We do not collect biometric identifiers or biometric information under the Illinois Biometric Information Privacy Act (BIPA)
  • If we ever collect biometric data in the future, we will obtain your written consent where required by BIPA

Additional State Privacy Rights: Many other states have enacted privacy laws providing specific rights to their residents, including but not limited to New York (data breach protections), Massachusetts (data protection requirements), Washington (health data privacy), and others. If you are a resident of a state not specifically listed above, you may have additional privacy rights under your state's laws that are covered by the Universal Rights section and our general privacy practices described in this Policy.

Exercising Your Rights

To exercise your rights:

  • Email: privacy@ownabode.com
  • Mail: 1909 Alexander Ave, #1119, Austin, TX 78722
  • Phone Number: (469) 281-0001
  • Opt-Out of Sale/Targeted Advertising: We do not sell your information or engage in targeted advertising.

Verification: We may require identity verification before processing requests. For sensitive requests, we may request additional information.

Authorized Agents: You may designate an authorized agent by providing written authorization or power of attorney.

Response Time: We will respond to verified requests within the timeframes required by applicable law (typically 30-45 days, 60 days for Nevada opt-out requests).

‍

6. COOKIES AND TRACKING TECHNOLOGIES

We use cookies, web beacons, and similar technologies to:

  • Remember your preferences and settings
  • Analyze website usage and performance 
  • Enable social media features

Cookie Controls: under the broad language of applicable state laws, our use of cookies may be considered “targeted advertising.” Most browsers allow you to control cookies through settings. You can also opt out of targeted advertising through:

  • Digital Advertising Alliance: http://optout.aboutads.info/
  • Network Advertising Initiative: http://optout.networkadvertising.org/
  • Google Analytics: https://tools.google.com/dlpage/gaoptout

‍

7. DATA SECURITY

We maintain reasonable administrative, physical, and technical safeguards to protect your personal information. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

‍

8. INTERNATIONAL DATA TRANSFERS

Your information may be transferred to and processed in countries other than your country of residence, including the United States. These countries may have different data protection laws than your jurisdiction.

‍

9. CHILDREN'S PRIVACY

Our Services are not intended for individuals under 18. We do not knowingly collect personal information from children under 18. If we learn we have collected such information, we will delete it promptly.

‍

10. CHANGE TO THIS POLICY

We may update this Policy periodically. Material changes will be communicated through email or website notice. The "Last Updated" date reflects the most recent version.

‍

11. CONTACT INFORMATION

For privacy questions or to exercise your rights:

For general inquiries: contact@ownabode.com

Do Not Sell My Personal Information: We do not sell your personal information.‍

Cookie Preferences: See above.

‍