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Privacy Policy

Last updated: March 19, 2026

CALM Certified ("we," "us," or "our") operates the website calmcertified.com. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Information You Provide

We may collect information you voluntarily provide, including:

  • Contact information: name, email address, phone number
  • Professional information: real estate license number, state of practice, brokerage affiliation
  • Account information: if you create an account for CALM certification enrollment
  • Communication data: messages you send through our contact form or email
  • Waitlist information: email address and audience preference when joining our waitlist

Information Collected Automatically

When you visit our website, we may automatically collect:

  • Device information: browser type, operating system, screen resolution
  • Usage data: pages visited, time spent on pages, referring URLs
  • IP address: used to determine approximate geographic location
  • Cookies and similar technologies: as described in the Cookies section below

How We Use Your Information

We use collected information to:

  • Provide, maintain, and improve our website and services
  • Process CALM certification enrollment and waitlist requests
  • Respond to your inquiries and provide customer support
  • Send you updates about CALM certification, directory listings, and CALM Certified services (with your consent)
  • Operate and improve the advisor directory
  • Analyze website usage to improve user experience
  • Comply with legal obligations

Information Sharing

We do not sell your personal information. We may share your information only in these circumstances:

  • Service providers: trusted third parties that help us operate our website and services (hosting, email delivery, analytics)
  • Directory listings: if you are a CALM-certified advisor, your professional contact information will be displayed in the public advisor directory
  • Legal requirements: when required by law, regulation, or legal process
  • Business transfers: in connection with a merger, acquisition, or sale of assets
  • With your consent: when you explicitly authorize sharing

Cookies

Our website uses cookies and similar tracking technologies to improve your browsing experience. Cookies are small text files stored on your device.

We use:

  • Essential cookies: required for the website to function properly
  • Analytics cookies: help us understand how visitors interact with our website
  • Preference cookies: remember your settings and preferences

You can control cookies through your browser settings. Disabling cookies may affect some website functionality.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required by law. Waitlist and enrollment data is retained until you request removal or the service is discontinued.

Your Rights

Depending on your location, you may have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your personal information
  • Opt out of marketing communications
  • Request a copy of your data in a portable format
  • Withdraw consent where processing is based on consent

California Residents (CCPA)

If you are a California resident, you have the right to know what personal information we collect, request deletion of your data, and opt out of the sale of personal information. We do not sell personal information. To exercise your rights, contact us using the information below.

European Residents (GDPR)

If you are located in the European Economic Area, you have additional rights under the General Data Protection Regulation, including the right to lodge a complaint with a supervisory authority. Our legal basis for processing personal data is typically your consent or our legitimate interest in operating and improving our services.

Third-Party Links

Our website may contain links to third-party websites, including American Default (americandefault.org) and HUD-approved housing counseling resources. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after changes are posted constitutes acceptance of the revised policy.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: