Effective November 2, 2026
The short version
We do not call or text you. You do not need an email to use the matcher, the offer grader, or a provider's qualify checker. We do not sell your personal information. We do not currently give your information to home equity investment providers. If we ever do, we will update this policy first.
To ask what we have about you, or to have it deleted, email hello@heioffers.com.
Using the tools
The matcher, the offer grader, and each provider's qualify checker run in your browser, so your results show up right away. We do not send the numbers from a qualify checker. If you use the matcher or the offer grader and then send a request on that visit, we include those numbers with the request. Using these tools does not require an email. We do not ask for a phone number or a street address. The credit range is a range you choose on the page. We do not pull your credit report, and using the tools does not affect your credit.
When you ask for help
Two forms ask for help. The "Ask us a free question" form is on the home page. The "Want someone on your side?" form is on the home page, the HELOC-denied page, each provider's requirements page, the bad-credit page, and the two HELOC guides. They ask for:
- Your name and email address
- Where you are in the process
- On the "Want someone on your side?" form: anything you write in the message, and whether you asked for occasional emails about home equity investments
- If you used the matcher or the offer grader on that visit: your state, home value, mortgage balance, the cash you entered, the credit range you picked, a HELOC denial reason if you picked one, the years and home-growth rate you chose, and the results (which providers fit, and the yearly cost), or the offer you graded
The form on our contact page asks for your name, your email address, and your message.
We do not ask for a phone number on these forms. You need an email to send a request. You do not need one to use the tools.
We store what you send, the page you were on, your approximate country, and a scrambled version of your IP address (not the IP address itself) so we can limit spam.
What emails you get
- A reply about your request, if you send a form. We reply by email.
- Occasional updates, only if you check that box on the "Want someone on your side?" form. You can unsubscribe any time by emailing hello@heioffers.com.
We do not call or text.
How we use it
- To show which providers fit your home and what an offer would cost, on your device
- To reply to a request
- To send occasional updates, only if you opted in
- To keep records and improve the site
- To limit spam and abuse
Visits, ads, and analytics
- Cloudflare hosts the site. It processes ordinary request details, such as IP address and browser type, to deliver the site and protect it. Cloudflare Web Analytics counts visits without using cookies.
- Google Analytics uses cookies to show how people use HEI Offers and our four sister sites (HEI Calculator, HEI Compare, HEI Facts, and HEI Counseling), including when someone uses a tool or sends a request. We connect that measurement to Google Ads so we can tell whether our ads lead to people using the site. You can opt out with Google's opt-out browser add-on or by blocking cookies in your browser.
- Our own visit counter. After you scroll, move the mouse, tap, or type, we record that the page was viewed. We also record when the matcher, the offer grader, or a qualify checker is used, and whether a form was started or sent. Each of these sends the page, the step, the site you came from, and, if you arrived from an ad, the ad click ID and campaign name on the link (Google or Microsoft). We store only daily totals: which page, which step, and how many times. We do not store your name, the numbers you typed, your IP address, or the click ID in those totals. When a page is viewed, a short email to our team can include the page, the referring site, whether you came from an ad and the campaign name, and an approximate city (from the network connection, not a street address). That email tells us someone used the site. It does not tell us who you are unless you also send us your email.
Who handles the information
- Cloudflare hosts HEI Offers, counts visits without cookies, stores requests in the same database as our sister site HEI Calculator, and emails those requests to our team.
- Google provides the Analytics and Ads measurement described above.
We do not sell your personal information. We do not currently share your name, email, or the numbers you send with home equity investment providers. We may consider sharing leads with providers in the future. We will update this policy before we do.
How long we keep it
We keep requests you send for as long as we need them to reply, improve the tools, and keep our records. We do not delete them on a set schedule. To ask what we have, or to have it deleted, email hello@heioffers.com.
Children
This site is not intended for anyone under 18, and we do not knowingly collect information from minors.
Changes
If we update this policy, we will change the effective date above.
Contact
Privacy questions: hello@heioffers.com.