Privacy Policy
Effective Date: October 9, 2026
Coacre (“Coacre,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you use our website, submit a preliminary eligibility request, or otherwise communicate with us.
This Privacy Policy applies to information collected through the Coacre website and our current preliminary application process.
Information We Collect
Information You Provide
We may collect information that you voluntarily provide, including:
- Name
- Email address
- Telephone number
- Property address
- City, state, and ZIP code
- Property type
- Property occupancy
- Estimated property value
- Estimated mortgage balance
- Estimated monthly mortgage payment, if provided
- Information regarding other liens
- Mortgage payment status
- Estimated amount of home equity
- Amount of capital requested
- Intended use of funds
- Self-reported credit range
- Desired timing
- Other information you choose to provide through an application or communication with us
At the preliminary application stage, Coacre does not request Social Security numbers, bank-account credentials, mortgage account numbers, or payment-card information and does not obtain a consumer credit report as part of the preliminary eligibility process.
Information Collected Automatically
When you use our website, we or our service providers may automatically collect certain technical information, including:
- IP address
- Browser type
- Device type
- Operating system
- Pages viewed
- Date and time of visits
- Referring website
- Website interactions
- Cookies and similar technologies
This information may be used to operate, secure, analyze, and improve the website.
How We Use Information
We may use personal information to:
- Review preliminary eligibility information
- Evaluate potential demand for Coacre's developing home-equity program
- Analyze property and homeowner characteristics relevant to potential eligibility criteria
- Respond to inquiries
- Contact applicants regarding information they submitted
- Develop and improve our products, underwriting criteria, website, and services
- Maintain and secure our systems
- Detect fraud, misuse, or security incidents
- Comply with applicable laws and legal processes
- Maintain business and administrative records
- Conduct internal analytics and research
- Evaluate or complete a business transaction such as a merger, financing, acquisition, restructuring, or sale of assets
Submitting an application does not obligate Coacre to offer or provide any financial product.
How We Disclose Information
We may disclose personal information to:
Service Providers
Companies that help us operate our business, including providers of:
- Website hosting
- Database infrastructure
- Cloud storage
- Analytics
- Email communications
- Security
- Technical support
These providers may access information only as reasonably necessary to perform services for us and subject to applicable contractual and legal requirements.
Professional Advisers
We may disclose information to attorneys, accountants, consultants, compliance professionals, and other advisers when reasonably necessary for business, legal, regulatory, or professional purposes.
Legal and Regulatory Purposes
We may disclose information when we reasonably believe disclosure is required or permitted to:
- Comply with law, regulation, subpoena, court order, or other legal process
- Respond to lawful government requests
- Protect Coacre, our users, or others
- Investigate fraud, security issues, or misuse
- Establish, exercise, or defend legal claims
Business Transactions
Information may be disclosed or transferred in connection with a potential or completed financing, merger, acquisition, restructuring, sale of assets, or similar business transaction.
Sale and Advertising Use of Personal Information
Coacre does not currently sell personal information for monetary consideration.
Coacre does not currently share personal information for cross-context behavioral advertising.
If our practices materially change, we will update this Privacy Policy and provide any choices required by applicable law.
Cookies and Analytics
We may use cookies and similar technologies necessary to operate the website, remember preferences, understand website usage, improve performance, and maintain security.
Your browser may allow you to block or delete cookies. Certain website functionality may not operate correctly if cookies are disabled.
Communications
If you provide contact information, Coacre may contact you regarding:
- Your preliminary application
- Requests for additional information
- Changes relating to the developing program
- Responses to your inquiries
- Other communications you have requested or consented to receive
Providing a telephone number does not, by itself, constitute consent to receive automated marketing text messages.
Any future SMS or automated marketing program will use separate consent where required.
Data Retention
We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including product development, applicant evaluation, legal compliance, dispute resolution, security, and business-record requirements.
Retention periods may vary based on the type of information and the reason it was collected.
Data Security
We use reasonable administrative, technical, and organizational measures intended to protect personal information.
No method of transmission or storage can be guaranteed to be completely secure. You should not submit highly sensitive information that Coacre has not specifically requested.
State Privacy Rights
Depending on where you reside and whether applicable legal thresholds are met, state privacy laws may provide rights concerning your personal information.
These rights may include the right to:
- Request access to personal information we maintain about you
- Request correction of inaccurate information
- Request deletion of certain information
- Request a portable copy of certain information
- Obtain information regarding categories of information collected or disclosed
- Opt out of certain sales, sharing, targeted advertising, or profiling where applicable
- Appeal certain decisions concerning a privacy request
Coacre will not discriminate against you for exercising rights provided by applicable law.
To submit a privacy request, contact us using the information provided below. We may need to verify your identity before processing a request.
Children
The Coacre website and preliminary application are intended for adults.
We do not knowingly collect personal information from children under 18 through the preliminary application process.
Third-Party Websites
Our website may contain links to third-party websites. Coacre is not responsible for the privacy, security, or content practices of third parties.
You should review the privacy policies of those services separately.
Changes to This Policy
We may update this Privacy Policy as Coacre develops.
The effective date at the top of the page will indicate when the policy was most recently updated.
Material changes may also be communicated through the website or by other appropriate means.
Contact Us
For questions or requests concerning this Privacy Policy or your personal information, contact:
Coacre
Email: info@coacre.nyc
Additional company contact information will be provided as Coacre's operating structure is finalized.