Privacy Policy

Last updated April 24, 2026

Operator: [LEGAL ENTITY NAME]. Effective Date: [EFFECTIVE DATE]. Business Address: [BUSINESS ADDRESS].

This Privacy Policy describes how [LEGAL ENTITY NAME] collects, uses, and discloses information about you when you use ForeclosureCalendar.com. This policy should be read alongside our Terms of Service.

2. Information We Collect

We collect: email address and password hash when you create an account; email address and county alert preferences when you subscribe to auction notifications; billing details processed by Stripe (we do not store credit card numbers); usage data via Google Analytics 4; IP address, browser type, and technical data; session tokens in httpOnly cookies; and clickwrap acceptance logs (timestamp, IP, user agent) retained for legal compliance.

3. How We Use Your Information

We use your information to provide and maintain the Site, send auction alert emails, process subscriptions, authenticate accounts, respond to inquiries, analyze aggregate usage patterns, detect fraud, comply with legal obligations, and enforce our Terms of Service. We do not sell your personal information.

We do not sell, rent, or trade your personal information. We share information only with service providers (Google Analytics, Stripe, Resend) under contractual obligations, when required by law or court order, or in connection with a business transfer (with advance notice).

5. Cookies and Tracking Technologies

We use httpOnly session cookies (essential for authentication) and Google Analytics 4 cookies (anonymized usage data). You may opt out of Google Analytics using the Google Analytics Opt-out Browser Add-on.

6. Email Communications

You may unsubscribe from marketing and alert emails at any time by clicking the unsubscribe link in any email or by contacting support@foreclosurecalendar.com.

7. Data Retention

Account data is retained for the duration of your account and up to 3 years after deletion. Email subscription data is retained until unsubscribe plus 90 days. Clickwrap acceptance logs are retained indefinitely. Server logs are retained up to 90 days. Payment records are retained as required by tax regulations (typically 7 years).

8. Security

We implement HTTPS encryption, bcrypt password hashing (cost factor 12), httpOnly/Secure/SameSite session cookies, rate limiting on authentication endpoints, and access controls. No method of electronic storage is 100% secure.

9. Third-Party Services

We use: Google Analytics 4 (usage analytics) — Google Privacy Policy; Stripe (payment processing) — Stripe Privacy Policy; Resend (transactional email) — Resend Privacy Policy; Railway (cloud hosting) — Railway Privacy Policy.

10. Florida Digital Bill of Rights (FDBR)

The Florida Digital Bill of Rights (effective July 1, 2024) provides Florida consumers with rights including: right to know and access personal data; right to correct inaccuracies; right to delete personal data; right to data portability; right to opt out of targeted advertising (we do not engage in targeted advertising); and right to opt out of sale (we do not sell personal data). To exercise these rights, submit a verifiable request to privacy@foreclosurecalendar.com. We will respond within 45 days. We will not discriminate against you for exercising your FDBR rights.

11. California Consumer Privacy Act (CCPA)

If you are a California resident, the CCPA and CPRA provide you with rights including: right to know; right to delete; right to correct; right to opt out of sale or sharing (we do not sell or share personal information for cross-context behavioral advertising); and right to non-discrimination. To submit a CCPA request, contact privacy@foreclosurecalendar.com. We will respond within 45 days. Categories of personal information collected in the past 12 months: Identifiers (email, IP address); Internet activity (browsing history on the Site); Commercial information (subscription records); Inferences drawn from the above.

12. Children's Privacy

This Site is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we may have collected such information, contact support@foreclosurecalendar.com.

13. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will post the updated policy with a new “Last updated” date and notify you by email or prominent notice where required by law.

14. Contact Information

[LEGAL ENTITY NAME], [BUSINESS ADDRESS]. Email: privacy@foreclosurecalendar.com. Support: support@foreclosurecalendar.com. We aim to respond to all privacy inquiries within 30 days. For FDBR or CCPA requests, we will respond within 45 days as required by law.