Unless you've been living in isolation, under a rock, or on a remote island somewhere, you've heard about the downturn of the real estate market. It started several years ago and has come back slightly but still fluctuates more than it ever has in the past. Real estate used to be a fairly sound investment. The American dream was to own a house and people would start off with a small house, a starter house it was called. Then as their families grew or they just needed more space, they would sell the small house and use that money to move into the bigger house. They would usually stay in that house until they were ready to retire and sell it to another person in the situation they were in years ago. It was a cycle that many people found comforting and routine.
As a homeowner, you were given credibility and respect because you were smart enough to buy rather than just throw your money away in a rental property. Once you bought a house, you had “arrived” and you were on your way to that job promotion, a family, and living happily ever after. Homeowners could paint and wallpaper their walls, build a deck, install a pool, remodel the master bathroom, and even make the attic into another bedroom if they wanted to. Renters were envious of the freedom and ability to customize that homeowners had and worked hard to get to that station in life.
Things have changed and the market has dictated those changes. More and more people are finding themselves in homes they can't afford or homes that have lost value. Real estate wasn't supposed to be a bad investment. It is one that everyone makes and one that we are all told is wise. For some people in some areas, it has turned the American dream into the American nightmare. Houses are no longer a sure-fire investment and the buying and selling process is more difficult than ever. There is much more to being a homeowner than you may have thought and you need to sell your property and begin your life in a more manageable situation.
You are not alone. When the real estate market changed, it created situations for people they never thought possible. Their houses have lost value and their mortgage companies won't renegotiate to reflect the lowered appraisals. What do they do?
Here are some options for distressed homeowners:
* Walk away and hope for the best
* Attempt to sell the house and break even
* Sell the house and lose lots of money
* Try to do a short sale and risk the lenders saying “no”
* Hang on to the house making the payments and wish on a prayer the real estate market comes back and the house is worth something again
Many homeowners will choose the last option because again, we are trained to think we have to own a home. This is simply not the case. You need to own a home that you can afford and one that will be a positive thing in your life. If yours is causing you stress and money you don't have, it's time to sell it and move on. You can move on to a house that suits your needs and your budget while selling yours in a legal and non-destructive manner to your credit.
By deciding to hold onto your house, you run the risk of never selling it and facing foreclosure. Don't wait that long. Once you get to that point, you will be discouraged and the foreclosure notices and the embarrassment from that can be almost more than you can handle. There is just no need to allow things to get to that point. Face the facts that you may need to sell your property in a non-conventional manner, such as to an investment company. It may seem strange to sell your home to a company but it is one of the most effective ways to sell in today's market. The market isn't the same as it was 10-20 years ago so you can't expect the transactions to be the same. Just because you are choosing to sell in an innovative manner doesn't mean it's wrong and you will still have the same result: a sold house and you can move on.
Waiting on the market to change is like waiting for the sun to come out. Yes, it can happen but you may not know when or how long it will be out. Don't let the market dictate your future. When you wait, you put yourself and your family at an unnecessary risk. The market may come back or it may not. So far this year, the sales have increased slightly but the overall price of homes has not increased. That basically tells you that sellers are becoming more flexible and willing to sell so their asking prices are being negotiated. Sellers are learning to not wait when they have a solid offer, even if they will lose money, they can at least move on to a better situation.
Real estate is a fickle market. It is based on the public and what they want at any given time. We all know how trends come and go in every other industry and real estate is no different. One week home buyers want smaller homes with energy efficiency in every room and in another week buyers want large homes for entertaining. There have been countless changing trends throughout the years with the supply and demand and the ease of financing for home buyers. It is not wise to wait on an ever changing market to sell your property.
When the chance comes up, you need to take control of the situation and sell your house. In the end, isn't that your goal, to sell your property and move on? Once you sell, you could take advantage of the low housing prices on many beautiful homes and move into the house of your dreams while the prices are low and the supply is high.
By providing us with your information, your local iBuyHouses.com network member will be able to provide you with the best solution for you. Fill in what you know now, you can always provide more information later.
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Privacy Policy
Last updated: September 10, 2020
This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your
information
when You use the Service and tells You about Your privacy rights and how the law protects You.
We use Your Personal data to provide and improve the Service. By using the Service, You agree to the
collection and
use of information in accordance with this Privacy Policy.
Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions.
The
following definitions shall have the same meaning regardless of whether they appear in singular or in
plural.
Definitions
For the purposes of this Privacy Policy:
Account means a unique account created for You to access our Service or parts of our
Service.
Business, for the purpose of the CCPA (California Consumer Privacy Act), refers to
the Company
as the legal entity that collects Consumers' personal information and determines the purposes and
means of the
processing of Consumers' personal information, or on behalf of which such information is collected
and that alone,
or jointly with others, determines the purposes and means of the processing of consumers' personal
information,
that does business in the State of California.
Company (referred to as either "the Company", "We", "Us"
or "Our"
in this Agreement) refers to REALPROPRT LLC, 8805 State Route 415, Campbell, NY 14821.
Consumer, for the purpose of the CCPA (California Consumer Privacy Act), means a
natural person
who is a California resident. A resident, as defined in the law, includes (1) every individual who
is in the USA
for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the
USA who is
outside the USA for a temporary or transitory purpose.
Cookies are small files that are placed on Your computer, mobile device or any other
device by a
website, containing the details of Your browsing history on that website among its many uses.
Country refers to: New York, United States
Device means any device that can access the Service such as a computer, a cellphone
or a digital
tablet.
Do Not Track (DNT) is a concept that has been promoted by US regulatory authorities,
in
particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and
implement a mechanism
for allowing internet users to control the tracking of their online activities across websites.
Personal Data is any information that relates to an identified or identifiable
individual.
For the purposes of the CCPA, Personal Data means any information that identifies, relates to,
describes or is
capable of being associated with, or could reasonably be linked, directly or indirectly, with
You.
Sale, for the purpose of the CCPA (California Consumer Privacy Act), means selling,
renting,
releasing, disclosing, disseminating, making available, transferring, or otherwise communicating
orally, in
writing, or by electronic or other means, a Consumer's Personal information to another business or a
third party
for monetary or other valuable consideration.
Service refers to the Website.
Service Provider means any natural or legal person who processes the data on behalf
of the
Company. It refers to third-party companies or individuals employed by the Company to facilitate the
Service, to
provide the Service on behalf of the Company, to perform services related to the Service or to
assist the Company
in analyzing how the Service is used.
Third-party Social Media Service refers to any website or any social network website
through
which a User can log in or create an account to use the Service.
Usage Data refers to data collected automatically, either generated by the use of
the Service or
from the Service infrastructure itself (for example, the duration of a page visit).
You means the individual accessing or using the Service, or the company, or other
legal entity
on behalf of which such individual is accessing or using the Service, as applicable.
Collecting and Using Your Personal Data
Types of Data Collected
Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that
can be
used to contact or identify You. Personally identifiable information may include, but is not limited to:
Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City
Bank account information in order to pay for products and/or services within the Service
Usage Data
When You pay for a product and/or a service via bank transfer, We may ask You to provide information to
facilitate
this transaction and to verify Your identity. Such information may include, without limitation:
Date of birth
Passport or National ID card
Bank card statement
Other information linking You to an address
Usage Data
Usage Data is collected automatically when using the Service.
Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser
type,
browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on
those
pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, We may collect certain information automatically,
including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP
address of Your
mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device
identifiers
and other diagnostic data.
We may also collect information that Your browser sends whenever You visit our Service or when You access the
Service
by or through a mobile device.
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain
information.
Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve
and analyze
Our Service.
You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if
You do
not accept Cookies, You may not be able to use some parts of our Service.
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on your
personal
computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close your
web
browser. Learn more about cookies: All
About
Cookies.
We use both session and persistent Cookies for the purposes set out below:
Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and
to enable You
to use some of its features. They help to authenticate users and prevent fraudulent use of user
accounts. Without
these Cookies, the services that You have asked for cannot be provided, and We only use these
Cookies to provide
You with those services.
Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
Functionality Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as
remembering your
login details or language preference. The purpose of these Cookies is to provide You with a more
personal
experience and to avoid You having to re-enter your preferences every time You use the Website.
Tracking and Performance Cookies
Type: Persistent Cookies
Administered by: Third-Parties
Purpose: These Cookies are used to track information about traffic to the Website and how users use
the Website.
The information gathered via these Cookies may directly or indirectly identify you as an individual
visitor. This
is because the information collected is typically linked to a pseudonymous identifier associated
with the device
you use to access the Website. We may also use these Cookies to test new pages, features or new
functionality of
the Website to see how our users react to them.
Targeting and Advertising Cookies
Type: Persistent Cookies
Administered by: Third-Parties
Purpose: These Cookies track your browsing habits to enable Us to show advertising which is more
likely to be of
interest to You. These Cookies use information about your browsing history to group You with other
users who have
similar interests. Based on that information, and with Our permission, third party advertisers can
place Cookies
to enable them to show adverts which We think will be relevant to your interests while You are on
third party
websites.
For more information about the cookies we use and your choices regarding cookies, please visit our Cookies
Policy or
the Cookies section of our Privacy Policy.
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service. The
Personal Data
You provide can give You access to different functionalities of the Service that are available to You as
a
registered user.
For the performance of a contract: the development, compliance and undertaking of the
purchase
contract for the products, items or services You have purchased or of any other contract with Us through
the
Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent
forms of
electronic communication, such as a mobile application's push notifications regarding updates or
informative
communications related to the functionalities, products or contracted services, including the security
updates, when
necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods,
services and
events which we offer that are similar to those that you have already purchased or enquired about unless
You have
opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
We may share your personal information in the following situations:
With Service Providers: We may share Your personal information with Service Providers
to monitor
and analyze the use of our Service, to show advertisements to You to help support and maintain Our
Service, to
advertise on third party websites to You after You visited our Service, for payment processing, to
contact You.
For Business transfers: We may share or transfer Your personal information in
connection with, or
during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a
portion of our
business to another company.
With Affiliates: We may share Your information with Our affiliates, in which case we
will require
those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other
subsidiaries,
joint venture partners or other companies that We control or that are under common control with Us.
With Business partners: We may share Your information with Our business partners to
offer You
certain products, services or promotions.
With other users: when You share personal information or otherwise interact in the
public areas
with other users, such information may be viewed by all users and may be publicly distributed outside.
If You
interact with other users or register through a Third-Party Social Media Service, Your contacts on the
Third-Party
Social Media Service may see Your name, profile, pictures and description of Your activity. Similarly,
other users
will be able to view descriptions of Your activity, communicate with You and view Your profile.
Retention of Your Personal Data
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this
Privacy
Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal
obligations (for
example, if we are required to retain your data to comply with applicable laws), resolve disputes, and
enforce our
legal agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for
a
shorter period of time, except when this data is used to strengthen the security or to improve the
functionality of
Our Service, or We are legally obligated to retain this data for longer time periods.
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company's operating offices and in any other
places
where the parties involved in the processing are located. It means that this information may be transferred
to - and
maintained on - computers located outside of Your state, province, country or other governmental
jurisdiction where
the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement
to that
transfer.
The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in
accordance
with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a
country unless
there are adequate controls in place including the security of Your data and other personal information.
Disclosure of Your Personal Data
Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We
will
provide notice before Your Personal Data is transferred and becomes subject to a different Privacy
Policy.
Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so
by law
or in response to valid requests by public authorities (e.g. a court or a government agency).
Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:
Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of Users of the Service or the public
Protect against legal liability
Security of Your Personal Data
The security of Your Personal Data is important to Us, but remember that no method of transmission over the
Internet,
or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to
protect Your
Personal Data, We cannot guarantee its absolute security.
Detailed Information on the Processing of Your Personal Data
Service Providers have access to Your Personal Data only to perform their tasks on Our behalf and are
obligated not
to disclose or use it for any other purpose.
Analytics
We may use third-party Service providers to monitor and analyze the use of our Service.
Google Analytics
Google Analytics is a web analytics service offered by Google that tracks and reports website
traffic. Google
uses the data collected to track and monitor the use of our Service. This data is shared with other
Google
services. Google may use the collected data to contextualize and personalize the ads of its own
advertising
network.
You can opt-out of having made your activity on the Service available to Google Analytics by
installing the
Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js,
analytics.js
and dc.js) from sharing information with Google Analytics about visits activity.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms
web page:
https://policies.google.com/privacy
Advertising
We may use Service providers to show advertisements to You to help support and maintain Our Service.
Google AdSense & DoubleClick Cookie
Google, as a third party vendor, uses cookies to serve ads on our Service. Google's use of the
DoubleClick cookie
enables it and its partners to serve ads to our users based on their visit to our Service or other
websites on the
Internet.
You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the
Google Ads
Settings web page:
http://www.google.com/ads/preferences/
We may use Your Personal Data to contact You with newsletters, marketing or promotional materials and other
information that may be of interest to You. You may opt-out of receiving any, or all, of these
communications from Us
by following the unsubscribe link or instructions provided in any email We send or by contacting Us.
We may use Email Marketing Service Providers to manage and send emails to You.
We may provide paid products and/or services within the Service. In that case, we may use third-party
services for
payment processing (e.g. payment processors).
We will not store or collect Your payment card details. That information is provided directly to Our
third-party
payment processors whose use of Your personal information is governed by their Privacy Policy. These payment
processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is
a joint
effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the
secure
handling of payment information.
When You use Our Service to pay a product and/or service via bank transfer, We may ask You to provide
information to
facilitate this transaction and to verify Your identity.
Behavioral Remarketing
The Company uses remarketing services to advertise on third party websites to You after You visited our
Service. We
and Our third-party vendors use cookies to inform, optimize and serve ads based on Your past visits to our
Service.
Google Ads (AdWords)
Google Ads (AdWords) remarketing service is provided by Google Inc.
You can opt-out of Google Analytics for Display Advertising and customise the Google Display Network
ads by
visiting the Google Ads Settings page:
http://www.google.com/settings/ads
Google also recommends installing the Google Analytics Opt-out Browser Add-on -
https://tools.google.com/dlpage/gaoptout
- for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability
to prevent
their data from being collected and used by Google Analytics.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms
web page:
https://policies.google.com/privacy
Bing Ads Remarketing
Bing Ads remarketing service is provided by Microsoft Inc.
Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by
the Digital
Advertising Alliance. You can also opt-out from Facebook and other participating companies through
the Digital
Advertising Alliance in the USA
http://www.aboutads.info/choices/,
the Digital Advertising Alliance of Canada in Canada
http://youradchoices.ca/
or the European Interactive Digital Advertising Alliance in Europe
http://www.youronlinechoices.eu/,
or opt-out using your mobile device settings.
Under this Privacy Policy, and by law if You are a resident of California, You have the following rights:
The right to notice. You must be properly notified which categories of Personal Data
are being
collected and the purposes for which the Personal Data is being used.
The right to access / the right to request. The CCPA permits You to request and obtain
from the
Company information regarding the disclosure of Your Personal Data that has been collected in the past
12 months by
the Company or its subsidiaries to a third-party for the third party's direct marketing purposes.
The right to say no to the sale of Personal Data. You also have the right to ask the
Company not
to sell Your Personal Data to third parties. You can submit such a request by visiting our "Do Not
Sell My
Personal Information" section or web page.
The right to know about Your Personal Data. You have the right to request and obtain
from the
Company information regarding the disclosure of the following:
The categories of Personal Data collected
The sources from which the Personal Data was collected
The business or commercial purpose for collecting or selling the Personal Data
Categories of third parties with whom We share Personal Data
The specific pieces of Personal Data we collected about You
The right to delete Personal Data. You also have the right to request the deletion of
Your
Personal Data that have been collected in the past 12 months.
The right not to be discriminated against. You have the right not to be discriminated
against for
exercising any of Your Consumer's rights, including by:
Denying goods or services to You
Charging different prices or rates for goods or services, including the use of discounts or
other benefits or
imposing penalties
Providing a different level or quality of goods or services to You
Suggesting that You will receive a different price or rate for goods or services or a different
level or
quality of goods or services.
Exercising Your CCPA Data Protection Rights
In order to exercise any of Your rights under the CCPA, and if you are a California resident, You can email
or call
us or visit our "Do Not Sell My Personal Information" section or web page.
The Company will disclose and deliver the required information free of charge within 45 days of receiving
Your
verifiable request. The time period to provide the required information may be extended once by an
additional 45 days
when reasonable necessary and with prior notice.
Do Not Sell My Personal Information
We do not sell personal information. However, the Service Providers we partner with (for example, our
advertising
partners) may use technology on the Service that "sells" personal information as defined by the
CCPA
law.
If you wish to opt out of the use of your personal information for interest-based advertising purposes and
these
potential sales as defined under CCPA law, you may do so by following the instructions below.
Please note that any opt out is specific to the browser You use. You may need to opt out on every browser
that you
use.
Website
You can opt out of receiving ads that are personalized as served by our Service Providers by following our
instructions presented on the Service:
From Our "Cookie Consent" notice banner
Or from Our "CCPA Opt-out" notice banner
Or from Our "Do Not Sell My Personal Information" notice banner
Or from Our "Do Not Sell My Personal Information" link
The opt out will place a cookie on Your computer that is unique to the browser You use to opt out. If you
change
browsers or delete the cookies saved by your browser, you will need to opt out again.
Mobile Devices
Your mobile device may give you the ability to opt out of the use of information about the apps you use in
order to
serve you ads that are targeted to your interests:
"Opt out of Interest-Based Ads" or "Opt out of Ads Personalization" on Android
devices
"Limit Ad Tracking" on iOS devices
You can also stop the collection of location information from Your mobile device by changing the preferences
on your
mobile device.
"Do Not Track" Policy as Required by California Online Privacy Protection
Act (CalOPPA)
Our Service does not respond to Do Not Track signals.
However, some third party websites do keep track of Your browsing activities. If You are visiting such
websites, You
can set Your preferences in Your web browser to inform websites that You do not want to be tracked. You can
enable or
disable DNT by visiting the preferences or settings page of Your web browser.
Your California Privacy Rights (California's Shine the Light law)
Under California Civil Code Section 1798 (California's Shine the Light law), California residents with an
established
business relationship with us can request information once a year about sharing their Personal Data with
third parties
for the third parties' direct marketing purposes.
If you'd like to request more information under the California Shine the Light law, and if you are a
California
resident, You can contact Us using the contact information provided below.
California Privacy Rights for Minor Users (California Business and Professions Code
Section 22581)
California Business and Professions Code section 22581 allow California residents under the age of 18 who are
registered users of online sites, services or applications to request and obtain removal of content or
information
they have publicly posted.
To request removal of such data, and if you are a California resident, You can contact Us using the contact
information provided below, and include the email address associated with Your account.
Be aware that Your request does not guarantee complete or comprehensive removal of content or information
posted
online and that the law may not permit or require removal in certain circumstances.
Links to Other Websites
Our Service may contain links to other websites that are not operated by Us. If You click on a third party
link, You
will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every
site You
visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any
third
party sites or services.
Changes to this Privacy Policy
We may update our Privacy Policy from time to time. We will notify You of any changes by posting the new
Privacy
Policy on this page.
We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming
effective and
update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy
are
effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy, You can contact us:
The information contained within this document aims to provide a glimpse of the security measures our website
employs to protect the integrity of our data and the privacy of our website users.
Data Encryption (SSL)
This site has chosen a thawte SSL Certificate to improve Web site security. “This website is secured using a
Thawte Digital Certificate. This ensures that all information you send to us via the World Wide Web will be
encrypted.”
Throughout iBuyHouses.com we have incorporated Thawte SSL Encryption providing up to 256-bit data encryption
into
our forms to handle the transfer of any personal data. All forms requesting personal information on this
site will
display a badge with the Thawte logo so you can be sure the form you are about to submit is secure. You may
click
on the badge to find out more about our SSL and verify that our certificate is valid.
What is SSL-encryption?
When you access our SSL-encrypted page, your browser validates our SSL-certificate by contacting the source
of
certification (Thawte Server CA). This way the browser ensures that it is connected to the server you have
requested and not to an impostor. After successful validation, your data is ciphered with up to
256-bit-encryption
and transmitted.
