Welcome to Motivative Consulting’s (the “Website”), which is owned and operated by Motivative Consulting (“Motivative Consulting” or “we”) and forms part of the Terms and Conditions of Use that govern your use of the Website.
Please read this Privacy Policy carefully before using the Website. By using our Website, you acknowledge that you have read this Privacy Policy, and agree to be bound by it. If you do not agree to any of the terms contained in this Privacy Policy, your remedy is not to use the Website or any of the services provided by Motivative Consulting.
This Privacy Policy does not apply to information collected by third parties, including via websites that may be accessible from or linked to this Website. Motivative Consulting is not responsible for the content or privacy practices of any non- Motivative Consulting site to which this Website links.
Privacy Policy last updated: May 12, 2017

• Purpose. This Website serves as an education platform and reference guide for homebuyers. Homebuyers are able to take homebuyer education courses through the Website and obtain certificates of completion for completed courses (the “Motivative Consulting Services”).
• Information We Collect and How We Collect It. Motivative Consulting collects different kinds of information from you in different ways. This Privacy Policy tells you about our information gathering, use, and disclosure practices and applies to information gathered through your use of this Website and your electronic communications through this Website.
  • What Information Collected. We collect these types of information on the Website.
    • "Non-personal Information" is any information that does not identify you individually (such as group demographics) or does not permit a direct association with an individual. Non-personal Information may include information derived from Personal Information that has been de-personalized by removing unique identifiers and/or combining it with information about other users to form aggregated data. For example, we may collect web browsing history related to the Website, date and times of visits to the Website, date and number of videos viewed through the Website, and/or IP address associated with your device(s).
    • "Personal Information" is your personally identifiable information, including first and last name together with email address, mailing address, telephone number, and social security number. To the extent we associate Non-personal Information with Personal Information, we treat the combination as Personal Information.
  • How Information Collected. We collect information in the Website in these ways.
    • Voluntarily Provided. In the course of visiting and using the Website and the Motivative Consulting Services, you may provide information to us voluntarily. For example, in order to use the Website and access the Motivative Consulting Services, You will be asked to complete a form to create a Motivative Consulting online user account, including selecting user name and password. You will also be required to complete registration forms in order to register for online homebuyer courses. In the course of doing either of these tasks, you will be asked for information about yourself. If you voluntarily provide your Personal Information to us, we collect it. You choose whether to disclose Personal Information, but you will not be able to use the Website and complete courses without doing so. Motivative Consulting may collect information you send us and combine it with information from other users and/or de-personalize it to make it Non-personal Information.
    • Technologically Gathered We collect some information automatically as you navigate the Website. For example, we collect traffic data (such as information about how much time visitors spend on the Website or each page, etc.), collect and log “clickstream data” (such as internet protocol addresses, pages visited, clicks made, courses completed, and similar information) and information about your computer and internet connection (such as IP address, operating system, and browser type) for all visitors. This sort of information is generally considered Non-personal Information (unless it is combined with Personal Information that you or other sources provide to us). We may combine information about your use with information about others’ use to generate aggregated Non-personal Information about visitors as a group. Motivative Consulting may collect information through “cookies” and other technology, such as clear GIF technology (also known as a “web beacon”) and we may combine this with your Personal Information or with other Non-personal information. This Website employs cookies and web beacons to speed your navigation of the Website, recognize you, and track your Website usage.
      • "COOKIES" are small pieces of information that are stored by a user's internet browser on a user's computer's hard drive. Most internet browsers are initially set to accept cookies. You can set your browser to refuse cookies, but then you may not be able to access or use portions of this Website.
      • "WEB BEACONS" are small bits of code embedded in web pages or emails that assist in delivering cookies. Web beacons help Motivative Consulting determine whether a page on this Website has been viewed and, if so, how many times. For example, any electronic image on this Website, such as an ad banner, can function as a web beacon. We may also use web beacons in email messages to determine what the recipient has done with the message. Although you cannot decline to receive web beacons when visiting a web page, you can choose not to receive web beacons by email if you disable HTML images or refuse HTML email messages.
  • Do Not Track. The Website does not respond to do-not-track signals from browsers or other similar mechanisms. While Motivative Consulting (with the assistance of its service providers) does collect information about Your use of the Website for its own use, Motivative Consulting does not permit third party advertisers to collect personally identifiable information about Your online activities for their own use when You use the Website. Except as described above, Motivative Consulting does not permit third-party behavioral tracking or any other third-party data collection through the Website.
• How We Use the Information. Generally, Motivative Consulting uses information to improve our products and services, to improve, administer, customize, and/or maintain the Website, to manage transactions, to build relationships with you and other users, to provide you with information about Motivative Consulting services, to fulfill other purposes for which you provide the information, to provide you with notices about your account, to carry out our obligations and enforce our rights, to allow you to participate in interactive features of the Website, and to conduct market research and analysis. Additionally, Motivative Consulting or its partners or affiliates may contact you regarding your completion of the online homebuyer education course, your loan application, your closing statement, your one-on-one follow up counseling appointment, your Certificate of Completion, or for other purposes related to your use of the Motivative Consulting Services. We may also contact you to obtain your input, or provide information about our services and our courses. Motivative Consulting may identify you in connection with your use of certain aspects of this Website and may link information about your use of the Website with your Personal Information.
  • Transactions. If you provide Personal Information to us in connection with taking courses available on the Website or engaging in another kind of transaction, Motivative Consulting or its partners or affiliates may use your information to process the transaction and communicate with you and your requirements to complete the Motivative Consulting online homebuyer certification program. Motivative Consulting or its partners or affiliates may use your personal information to communicate with your lender or other necessary parties regarding your online homebuyer education course completion and your use of the Motivative Consulting Services.
  • Marketing. We may use your Personal Information and/or Non-personal Information to offer, market and advertise to you via the Website and/or through email or U.S. mail. We may communicate with you about Motivative Consulting’s services or third party services that may interest you. We may use Non-personal Information to conduct market research and analysis for ourselves. Motivative Consulting does not place any restrictions on the use of Non-personal Information.
• Data Security
  • Security Measures. Motivative Consulting takes steps to protect your Personal Information. Access to your Personal Information is restricted in the following ways: Motivative Consulting protects access to your Personal Information via password. The servers on which your information is stored are kept in a secure environment protected by a firewall.
  • Steps you can Take. Where you have selected or received a password for use in connection with login information or accessing certain features of the Website, you are responsible for maintaining the confidentiality of the password and for not sharing it with anyone.
  • Caution. While Motivative Consulting will endeavor to safeguard your Personal Information, it cannot guarantee absolute security. You acknowledge agree that Motivative Consulting shall not be liable for any security breach that results from causes or events that are beyond Motivative Consulting control (such as acts of God, hacking, terrorism, power outages, defects in third party (including dealers’) security products and services, your own acts and omissions, and other similar events beyond Motivative Consulting control).
• Disclosure to Third Parties.
  • General Disclosures. Motivative Consulting may disclose your Personal Information in response to a subpoena or other court order, if otherwise required by law, or in an effort to cooperate with law enforcement. Motivative Consulting may disclose your Personal information when Motivative Consulting believes that doing so is necessary or desirable (a) to enforce Motivative Consulting rights or defend against legal claims, (b) to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving personal threats to physical safety, allegations of intellectual property infringement or violations of privacy rights and/or (c) as otherwise required by law. Motivative Consulting may disclose your Personal Information to third parties (including Motivative Consulting vendors and service providers) to enable them to provide services to you or Motivative Consulting, process orders for you or Motivative Consulting, process credit card transactions for you or Motivative Consulting, provide research or analysis for Motivative Consulting, provide data storage for Motivative Consulting, or assist Motivative Consulting in providing other content available through the Website and otherwise. Motivative Consulting may disclose your Personal Information in the event of a sale of substantially all Motivative Consulting America’s assets, the merger, dissolution, or reorganization of Motivative Consulting, or in connection with the transfer of a discrete portfolio of assets or information. If that happens, the new company’s privacy policy may govern the further protection, use, and disclosure of your Personal Information.
  • Sharing Information. Motivative Consulting may share your information (including Personal Information) with third parties that provide services to Motivative Consulting or to you, including but not limited to our affiliates and partners and your lender. Motivative Consulting may also share your Personal Information with non-affiliated third parties so that they may offer, market and advertise products and services directly to you. Motivative Consulting does not place any restrictions on the use or disclosure of Non-personal Information. Motivative Consulting may share it with anyone for any purpose.
  • California. California Civil Code Section 1798.83 permits users of the Website who are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please send an email to [info@motivativeconsulting.com, or write us at [103 Cottage Drive Natchez, MS 39120].
• Managing Your Information.
  • Information Access. Upon your request, Motivative Consulting will remove your Personal Information from Motivative Consulting’s records related to this Website. Doing this may prevent you from accessing and using the Website and the Motivative Consulting Services. If you wish to update/correct Personal Information you have already provided to us, or if you wish to remove your Personal Information from our records, please send your request to us via email at [info@motivativeconsulting.com], or via postal mail at [103 Cottage Drive Natchez, MS 39120].
  • Opting Out.
    • Email Marketing. You may choose to opt out of receiving marketing emails from us at any time by sending your request to us via email at [info@motivativeconsulting.com] or via postal mail at [103 Cottage Drive Natchez, MS 39120], or by using the means (such as clicking “unsubscribe”) provided in our marketing emails. Please note, however, that your opt-out will apply only to marketing emails, not email communications about your Transaction or other non-marketing correspondence.
    • Disclosure for Direct Marketing/Advertising Purposes. Except with respect to Motivative Consulting service providers, and as otherwise set forth in this Privacy Policy, Motivative Consulting may share your Personal Information with non-affiliated third parties so that they may offer, market and advertise products and services directly to you.
• COPPA - We do not knowingly collect Personal Information from children under the age of 13 on our Website. If we discover that any registration is made by child under the age of 13, such registration will be immediately and permanently canceled and removed from our Website, with or without notice.
• Modifications to Privacy Policy - We may modify this Privacy Policy from time to time in our sole discretion. If we make a material change to this Privacy Policy, we will post such changes on our Website. We may also notify you of the changes via email. By continuing to use our Website after such notice, you are bound by this Privacy Policy as modified.
• Contact Information - If you have questions about this Privacy Policy, you may contact us via email at [info@motivativeconsulting.com] or via postal mail at [103 Cottage Drive Natchez, MS 39120]. We will use reasonable efforts to respond promptly to reasonable requests or questions you may have regarding our use of your Personal Information.