Effective Date: 04/26/2023
This website (the “Site”) is owned and operated by VM Consulting & Management LLC.
DownAid.com is an informational platform designed to help users explore down payment assistance (“DPA”) programs and connect with licensed third-party professionals.
1. Platform Status / No Lending or Brokerage Activity
DownAid.com and VM Consulting & Management LLC:
- Are not a mortgage lender, mortgage broker, or loan originator
- Do not originate, fund, or make credit decisions on loans
- Do not provide financial, legal, or tax advice
We operate solely as:
- An information platform
- A lead generation and referral service
All mortgage products, approvals, and terms are determined exclusively by licensed third-party providers.
2. Information We Collect
Personal Information
We may collect information you voluntarily provide, including:
- Full name
- Email address
- Phone number
- Property details and estimated value
- Financial or qualification-related information
- Any additional information submitted through forms
Non-Personal Information
We may automatically collect:
- IP address
- Browser and device type
- Pages visited and time spent on the Site
- Referral source and usage data
3. How We Use Your Information
We use your information to:
- Provide DPA program matches and general estimates
- Connect you with lenders, brokers, and service providers
- Respond to inquiries and provide support
- Improve Site functionality and user experience
- Send communications and marketing (where permitted)
- Comply with legal obligations
4. Lead Sharing & Third-Party Disclosure
By submitting your information, you expressly consent to the following:
Your information may be shared with:
- Mortgage lenders and brokers
- Real estate professionals
- Down payment assistance program providers
- Financial service providers
These third parties may contact you regarding mortgage or related services.
Important Disclosure
- We do not endorse or guarantee any third-party provider
- We are not responsible for their services, terms, or outcomes
- Any engagement with third parties is at your discretion
5. TCPA Consent (Calls, Texts, Emails)
By providing your contact information, you give prior express written consent to be contacted by VM Consulting & Management LLC and its partners via:
- Phone calls
- Text messages (including automated systems)
- Email communications
Message and data rates may apply.
Consent is not required to purchase goods or services.
You may opt out at any time by:
- Replying “STOP” to text messages
- Clicking unsubscribe in emails
- Contacting Privacy@DownAid.com
6. No Fees / RESPA Disclosure
DownAid.com does not charge consumers for:
- Program information
- Matching services
- Referrals
We may receive compensation from partners; however:
- Compensation is not based on loan terms
- We do not steer users toward specific providers
- You are under no obligation to use any referred provider
7. No Guarantee of Approval
- We do not guarantee loan approval or program eligibility
- All estimates are preliminary and subject to underwriting
- Final terms are determined by third-party providers
8. Your Privacy Rights
Depending on your state, you may have the right to:
- Access your personal information
- Request deletion
- Correct inaccurate data
- Opt out of data sharing
To exercise your rights, contact:
Privacy@DownAid.com
9. Cookies and Tracking
We use cookies and tracking technologies to:
- Analyze traffic and performance
- Improve user experience
- Deliver relevant content and advertising
You may disable cookies through your browser settings.
10. Data Security
We use reasonable safeguards to protect your information. However, no system is completely secure.
11. Data Retention
We retain information as necessary to:
- Provide services
- Comply with legal obligations
- Resolve disputes
12. Third-Party Links
We are not responsible for third-party websites or their privacy practices.
13. Children’s Privacy
This Site is not intended for individuals under 18.
14. State-Specific Notice
Residents of Florida and other applicable states may request access to or deletion of their personal information, subject to applicable law.
15. Limitation of Liability
VM Consulting & Management LLC is not responsible for:
- Decisions made based on information from this Site
- Actions or services of third-party providers
- Any financial outcomes related to mortgage or DPA programs
16. Updates to This Policy
We may update this Privacy Policy at any time. Updates will be posted with a revised effective date.
17. Contact Information
For privacy-related questions or requests:
Privacy@DownAid.com
18. Consent
By using this Site and submitting your information, you acknowledge that you have read, understood, and agree to this Privacy Policy and consent to the collection, use, and sharing of your information as described.