Privacy Policy

Effective Date: January 1, 2022 · Last Updated: 2026 · Applies to electivecreditfinance.com and all services provided by Home Glory Design ("ECF," "we," "us," "our").

1. Who We Are

Home Glory Design is a home renovation and renovation-finance company headquartered at 3021 Stevens Rd, Mount Vernon, Indiana 47620, USA, serving customers in all 50 states since 2022. You can reach our Privacy Officer at info@homeglorydesign.com or (931) 858-6881.

2. Information We Collect

a. Information you provide directly

• Contact details — name, email address, phone number, and project address submitted through booking, contact, and newsletter forms.
• Project details — service type, budget range, preferred dates, property descriptions, and photos you share with us.
• Financing information — where you apply for renovation financing, we may collect income, employment, and credit-related details with your explicit consent. Financial data is handled under applicable federal lending and credit laws.
• Communications — records of calls, emails, and messages between you and our team.

b. Information collected automatically

• IP address, browser type, device type, pages visited, referral source, and approximate location derived from IP.
• Analytics data (aggregate, anonymized wherever feasible) used to improve site performance.

3. How We Use Your Information

• To respond to enquiries, schedule consultations, and prepare quotes.
• To perform contracted renovation work, order materials, and schedule crews and inspections.
• To process financing applications and service loan accounts.
• To send service updates, warranty information, and (with your consent) marketing newsletters. You may unsubscribe at any time via our unsubscribe page.
• To improve our website, services, and customer experience.
• To comply with legal, licensing, tax, and insurance obligations.

4. Legal Bases for Processing

We process personal data based on: (a) performance of a contract or pre-contractual steps; (b) legitimate business interests (site security, service improvement, fraud prevention); (c) your consent (marketing communications, optional cookies); and (d) legal obligations.

5. Cookies & Tracking

We use strictly necessary cookies for site functionality and optional analytics cookies to understand aggregate usage. You may disable cookies in your browser; core content remains accessible. We do not use cookies for cross-site advertising.

6. How We Share Information

We never sell your personal information. We share data only with:

• Service partners — licensed subcontractors and suppliers strictly as needed to complete your project, under confidentiality obligations.
• Finance processing — credit bureaus and lending partners, only with your authorization during a financing application.
• Service providers — email delivery, hosting, and CRM vendors bound by data-processing agreements.
• Legal authorities — where required by law, subpoena, or to protect rights, safety, and property.

7. Data Retention

Enquiry and quote data is retained for 24 months unless a project proceeds. Project and warranty records are retained for the warranty period plus 7 years (as required for construction and tax records). Newsletter data is retained until you unsubscribe. Financing records follow applicable federal retention schedules.

8. Data Security

We apply industry-standard safeguards including TLS encryption for data in transit, access controls, staff training, and vendor vetting. No method of transmission is 100% secure; we encourage you to avoid sending sensitive financial details (e.g., full account numbers) by unencrypted email.

9. Your Rights & Choices

• Access & correction — request a copy of, or correction to, your personal data.
• Deletion — request deletion where no legal retention obligation applies.
• Marketing opt-out — unsubscribe instantly at unsubscribe.html or via any email footer link.
• State rights — residents of states with comprehensive privacy laws (e.g., California "Shine the Light," CCPA/CPRA as applicable, Virginia, Colorado) may exercise additional rights by contacting us; we will not discriminate against you for doing so.

We respond to verified requests within 45 days.

10. Children's Privacy

Our services are directed to adults 18+. We do not knowingly collect data from children under 13. If you believe a child has provided us data, contact us and we will delete it promptly.

11. Third-Party Links

Our site may link to third-party sites (e.g., review platforms, material suppliers). Their privacy practices are governed by their own policies; we encourage you to review them.

12. Do Not Track

Our site does not currently respond to Do Not Track signals, as no uniform standard exists. We honor browser-level cookie restrictions where technically feasible.

13. Changes to This Policy

We may update this policy to reflect changes in law or practice. Material changes will be posted here with a revised "Last Updated" date. Continued use of our services after changes constitutes acceptance.

14. Contact Us