Privacy Policy

Information-request forms collect the details you choose to provide, including your name, email, telephone number, address, project preferences and, for home-equity requests, property value, mortgage details, estimated credit range and qualification answers. We use these details to record and respond to your request. These forms do not request Social Security numbers or bank-account credentials and do not obtain a credit report.

Text messaging privacy and consent

Our marketing text program is not currently accepting subscriptions.

A quote request, email subscription, or acceptance of website terms does not enroll you in marketing texts. Enrollment requires a separate affirmative choice naming ThrivePenny and describing the messages you agree to receive.

Mobile information and SMS opt-in consent collected for the ThrivePenny text program will not be sold or shared with third parties or affiliates for marketing or promotional purposes. Contracted service providers may process this information only to operate the program on our behalf. Advertising, analytics, partner-communication and business-transfer provisions elsewhere in these notices do not authorize transfer of SMS marketing consent or use of program mobile information for another business’s marketing.

We record the number, consent choice, time, source page, disclosure version and text, and technical request information to document consent and withdrawals. Contact [email protected] about your records or preferences. Consent is specific to this sender and subject; other businesses must obtain their own consent.

Message frequency varies. Message and data rates may apply. Reply STOP to cancel or HELP for help. Read the SMS Terms or visit Text Updates.

Last Updated: October 18, 2026

At ThrivePenny, we are committed to protecting your privacy and ensuring transparency in how we collect, use, and safeguard your personal information. This Privacy Policy explains our practices regarding data collection and your rights as a user of our website.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us, including:

  • Name and email address when you subscribe to our newsletter
  • Contact information, telephone number and answers when you submit an information-request form
  • Comments and feedback you provide on our articles or through surveys

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing behavior, including:

  • IP address and general geographic location
  • Browser type and version
  • Device type and operating system
  • Pages visited and time spent on each page
  • Referring website or search terms used to find our site
  • Click patterns and interaction with website features

2. How We Use Your Information

We use the information we collect for the following purposes:

  • To provide, maintain, and improve our website and services
  • To send you newsletters, updates, and promotional materials (with your consent)
  • To respond to your inquiries, comments, and requests
  • To analyze website usage and improve user experience
  • To personalize content and recommendations based on your interests
  • To detect, prevent, and address technical issues or fraudulent activity
  • To comply with legal obligations and protect our rights

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience and gather information about how you use our website. Cookies are small text files stored on your device that help us remember your preferences and understand your behavior.

Types of Cookies We Use

  • Essential Cookies: Necessary for the website to function properly
  • Analytics Cookies: Help us understand how visitors interact with our website
  • Advertising Cookies: Used to deliver relevant advertisements and track campaign performance
  • Preference Cookies: Remember your settings and preferences for future visits

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our website.

4. Information Sharing and Disclosure

We do not sell your personal information to third parties. We may share your information in the following circumstances:

  • Service Providers: We work with trusted third-party companies that help us operate our website, conduct analytics, send emails, or provide other services. These partners are contractually obligated to protect your data and use it only for the purposes we specify.
  • Advertising Partners: We partner with ad networks and affiliate programs that may collect information about your browsing behavior to show relevant advertisements. See our Ad Disclosure page for more details.
  • Legal Requirements: We may disclose your information if required by law, court order, or government regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. We restrict access to submitted information to help protect it. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

  • Access: Request a copy of the personal information we hold about you
  • Correction: Request that we correct or update inaccurate information
  • Deletion: Request that we delete your personal information, subject to legal obligations
  • Opt-Out: Unsubscribe from marketing emails using the link provided in each email
  • Data Portability: Request a copy of your data in a machine-readable format
  • Object to Processing: Object to certain types of data processing

To exercise these rights, please contact us at [email protected]. We will respond to your request within 30 days.

7. Third-Party Links

Our website may contain links to third-party websites, products, or services. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Children's Privacy

Our website is not intended for children under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your jurisdiction. By using our website, you consent to the transfer of your information to these countries.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of our website after such changes constitutes acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: [email protected]

We are committed to working with you to resolve any privacy concerns in a timely and transparent manner.