Terms, Privacy & Disclaimer

HomeHyve (homehyve.app) · Effective date: October 13, 2026

Your privacy is critically important to us. At HomeHyve, a few fundamental principles:

We only ask for the information your dashboard actually needs.
Your dashboard is private.
We never sell your personal information, and mobile information is never shared with third parties for marketing.
Sharing HomeHyve never exposes your data — invites create fresh, private profiles.
Full transparency: this one page holds every term and every privacy practice.

What HomeHyve is

HomeHyve (homehyve.app) is a free private dashboard for homeowners and future homeowners, provided in partnership with licensed loan officers and licensed real estate agents. It is not a lender and does not make loans or credit decisions. Everything shown in the app is educational information, not advice.

HomeHyve was built and is operated by J-Marketing LLC.

Your account

You agree to provide accurate information when creating your account and to keep your login credentials private. Accounts that provide false contact information may be removed. You may delete your account at any time in Settings, or by contacting info@homehyve.app.

Text messaging program terms

By creating a HomeHyve account and checking the consent box, you agree to receive text messages from HomeHyve, your loan officer and your real estate agent, including account verification codes, replies to questions you ask, scheduling messages, and occasional educational updates about your homeownership picture.

Message frequency varies. Message and data rates may apply. Reply STOP at any time to cancel and receive no further messages, or HELP for assistance. You can also email info@homehyve.app for support. Consent to receive text messages is not a condition of any purchase or service. Carriers are not liable for delayed or undelivered messages. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes — see the Privacy Policy below for full details.

Estimates and market data

Home values, equity figures, payment scenarios, and market readings are automated estimates built from public data sources. They are educational starting points, not appraisals or offers. Always confirm real numbers with your loan officer and your real estate agent before making decisions.

The Mortgage Scenarios calculator shows principal and interest from the loan amount, rate and term you enter, and estimates taxes, insurance and mortgage insurance from typical figures. Your actual payment comes from your loan officer’s Loan Estimate and may differ.

Acceptable use

Don't misuse the app: no attempting to access other members' data, no automated scraping, and no using the app for anything unlawful. We may suspend accounts that violate these terms.

Changes

These terms may be updated; the date above reflects the current version. Continued use of the app after an update means you accept the revised terms.

Disclaimer

HomeHyve is an educational platform provided in partnership with licensed loan officers and licensed real estate agents. HomeHyve is not a lender and does not make credit decisions. You can start a loan application in the app; it goes to your licensed loan officer, who makes any lending decisions outside HomeHyve. Nothing in this app is financial, legal, or tax advice; a rate quote; a pre-qualification or pre-approval; or a commitment to lend.

Home values, equity figures, payment scenarios, market readings, and probability data are automated estimates from public sources (U.S. Bureau of Labor Statistics, U.S. Bureau of Economic Analysis, U.S. Treasury, Freddie Mac, Redfin, Polymarket). They are starting points for a conversation with a licensed professional — not appraisals, offers, or guarantees. Program availability and terms depend on your full application and qualification with a licensed lender. HomeHyve is an educational tool, not a lender.

Privacy Policy

This section explains what information HomeHyve collects, how it is used, and what we never do with it.

Protected info

Everything you do in HomeHyve travels over an encrypted SSL (HTTPS) connection, and your passwords are stored only in hashed form — never as plain text. Your personal dashboard is private to you and the licensed loan officer and real estate agent supporting it.

Your loan application and your Social Security number are encrypted when stored. Your Social Security number is shown only in masked form and is opened only by your loan officer, and each time that happens is logged.

What we collect

Your contact details: name, cell phone, and email.
What you tell us about your home and finances: whether you own or rent, your address and ZIP code, purchase price, loan terms and payment details, monthly rent, income, and your homeownership goals.
If you start a loan application: the information a loan application asks for, including employment, income, assets, date of birth, Social Security number, and any co-borrower you add.
Areas you ask the app to watch, by location.
Photos you add, and pictures you text to your loan officer.
Your answers to Bea, the HomeHyve helper, so your buying plan can pick up where you left off. Questions you type to Bea are answered with the help of an AI service.
If you turn on notifications, the device token needed to send them.
The standard technical basics (IP address and browser type) for security and spam protection.

How it's used

Your answers power your own dashboard, your home value estimate, payment picture, equity, and goal tracking, and are visible to your loan officer and your real estate agent so they can advise you and process your application. We also use them to send you account messages and the updates you chose, and to connect you with a real estate agent when you ask for one. Market figures shown in the app come from public sources (U.S. Bureau of Labor Statistics, U.S. Treasury, Freddie Mac, Polymarket, and Zillow home-value data) and are estimates, not appraisals.

Who sees it

You and your loan officer and your real estate agent. If you are working with a real estate agent on a home, your loan officer may share your name and contact details with that agent, and may let the agent view a specific pre-approval letter or report. We use service companies to run the app: text and phone service, email delivery, AI assistants, payment processing, and hosting. They handle your data only to provide the service. We do not sell your personal information, and we do not share it with third parties for their own marketing. HomeHyve does not use advertising pixels or tracking scripts anywhere in the app. Keep your login credentials private.

Your loan application

This part is for members who fill in a loan application in HomeHyve.

HomeHyve is a tool. It is not a lender, and what you fill in here is not your official mortgage application. Your loan officer uses what you entered to check your credit and to complete your mortgage application in the lender's own system. By submitting this application, you are agreeing to a FICO credit order. Anything you entered can be corrected. Tell your loan officer if something is wrong or changes.

The personal information on your application is for you and your loan officer. It is never sold, and it is never shared with any other person or company for their own use. Your real estate agent does not see your loan application.

Your application and your Social Security number are encrypted when stored. Your Social Security number is shown only in masked form. Only your loan officer can open the full number, and each time is logged.

HomeHyve has no advertising pixels or tracking scripts anywhere in the app. What you enter is not sent to advertising or social media companies, and it is not used to target ads at you.

The service companies that run the app, such as hosting, hold your application only to provide the service.

Your choices

Reply STOP to end texts. Use Settings to turn marketing texts off. Delete your account in Settings; your loan officer keeps the records needed for any loan in progress or closed.

Text messaging privacy

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are not shared with any third parties. Message frequency varies; message and data rates may apply; reply STOP to opt out, HELP for help.

HomeHyve is free to share. When you invite friends or family, they get their own private HomeHyve profile — sharing never shows anyone your dashboard or your information.

HomeHyve · info@homehyve.app
Educational content only — not financial advice, an appraisal, or a commitment to lend. HomeHyve is an educational tool, not a lender.