# Unlock Technologies > Shared equity products are a relatively new category of home finance — one that gives homeowners a way to access the equity in their homes without making monthly payments or refinancing. Unlike traditional home equity products, which are structured as loans with interest rates and monthly obligations, shared equity products are based on a different principle: a company provides cash today in exchange for a share of the home's value when the agreement ends. The homeowner keeps their mortgage, keeps ownership of their home, and makes no monthly payments to the shared equity provider. The Unlock Technologies team includes the people who helped develop and bring the shared equity category to market. Today, Unlock is one of the leading providers of shared equity products in the United States — and an active advocate for the homeowners who use them. --- ## Pages - [Equity](https://www.unlock.com/equity/) - [Terms and Conditions](https://www.unlock.com/legal/terms-and-condtions/) - [Native Lander](https://www.unlock.com/access-home-equity/) - [Marketing Partners](https://www.unlock.com/legal/marketing-partners/): Who May Receive Your Information We work with third-party marketing partners that may purchase leads and contact consumers in response... - [Home DMA](https://www.unlock.com/home/) - [California Privacy Notice](https://www.unlock.com/legal/california-privacy-notice/): The information in this section only applies to California residents. A. Your California Privacy Rights Under California Civil Code Section... - [Licenses](https://www.unlock.com/legal/licenses/): Unlock Agreements are provided exclusively by Unlock Partnership Solutions Inc. , Unlock Partnership Solutions AO1 Inc. , and Unlock Homeownership... - [Telephone and SMS Policy](https://www.unlock.com/legal/telephone-and-sms-policy/): Text Message Terms By opting into the programs, you expressly consent and agree to receive telemarketing text (e. g. ,... - [Credit Authorization](https://www.unlock.com/legal/credit-authorization/): Welcome to Unlock. Unlock is operated by Unlock Technologies, Inc. (“Unlock” or “we” or “us”). By using the web site... - [Consumer Consent and Authorization for Electronic Disclosures](https://www.unlock.com/legal/consumer-consent-and-authorization-for-electronic-disclosures/): By agreeing to this Consumer Consent and Authorization for Electronic Disclosures (“Consent”), you consent and authorize Unlock Partnership Solutions, Inc.... - [Terms of Use](https://www.unlock.com/legal/terms-of-use/): Welcome to the Unlock Website. BY ACCESSING OR USING THE WEBSITE YOU ARE INDICATING THAT YOU HAVE READ AND UNDERSTAND... - [Disaster Resources](https://www.unlock.com/disaster-resources/) - [Legal](https://www.unlock.com/legal/) - [Affiliate Program](https://www.unlock.com/affiliate-program/) - [Investors](https://www.unlock.com/investors/) - [Unlock Insights](https://www.unlock.com/blog/) - [Careers](https://www.unlock.com/careers/) - [About](https://www.unlock.com/about/) - [How It Works](https://www.unlock.com/how-it-works/) - [What It Costs](https://www.unlock.com/what-it-costs/) - [Home](https://www.unlock.com/) - [Privacy Policy](https://www.unlock.com/legal/privacy-policy/): I. Unlock Technologies, Inc. Unlock Technologies, Inc. (“Unlock” or “We” or “Us”) provides real estate finance products to homeowners (“Products”).... --- # # Detailed Content ## Pages Unlock Agreements are provided exclusively by Unlock Partnership Solutions Inc. , Unlock Partnership Solutions AO1 Inc. , Unlock Partnership Solutions AO2 Inc. , Unlock Home Equity Solutions Inc. dba “Unlock” and/or “Unlock Technologies”, and Unlock Homeownership Solutions Inc. , all of which are wholly-owned subsidiaries of Unlock Technologies, Inc. (collectively, “Unlock”). The applicable Unlock entity enters into the Unlock Agreement directly with consumers and does not act as an agent or broker on behalf of any third-party. No agency relationship shall be formed between any Unlock entity and a consumer pursuant to or in connection with an Unlock Agreement. All Rights Reserved. Other terms and restrictions apply. Each home equity agreement (HEA) is subject to additional individual underwriting review. All transactions are subject to verification of your identity, property value, home insurance, title, and outstanding property liens. Other verifications may be required. Unlock may also require HEA proceeds to be used to clear any pre-existing liens as a condition to close. The following limitations shall apply in all cases: no bankruptcy, foreclosure action, short sale, or deed in lieu within the previous five years. In most cases, Unlock must be in no greater than 2nd lien position and the property must be clear of any liens deemed unacceptable by Unlock in its discretion. A minimum HEA amount of $15,000 is required on all transactions. Property condition rating, as described in the Uniform Appraisal Dataset (UAD), must be at least C4 or better and properties for which comparable valuations, in the... --- Access Your Home Equity | Unlock Skip to content Main Navigation Apply Now There’s opportunity in your home. Let’s unlock it. Access $15K to $500K from your home’s equity with flexibility and no monthly payments. Kickstart home renovations, education, anything that matters to youAccess cash without refinancing or selling your homeNo age or income requirementPre-qualify in under 2 minutes; based on home value What’s your home address? Apply Now America has $30 trillion in unused home equity. We’re helping unlock yours. Unlock has helped 20,000+ homeowners access $1.5 billion previously locked in their home’s equity. Equity is the least flexible part of a homeowner’s finances. We help unlock it, for the things that matter to them. Let’s talk about how to unlock yours. Apply Now What can you use your unlocked equity for? It’s up to you to decide. Unlock turns your home’s available equity into cash, with no restrictions on how you use it. Enhance education, or pay off student loans Renovate your home Eliminate debt-related monthly payments Purchase an investment property Start your own business Apply Now How does Unlock’s Home Equity Agreement (HEA) work? Home equity is the balance between what your home is worth and the amount left on your mortgage. In exchange for a lump sum of cash based on that equity, we assume a portion of your home’s future value. An HEA creates opportunity from the thousands you already have in your home. How much could you Unlock? For demonstration purposes only. What’s your... --- Who May Receive Your Information We work with third-party marketing partners that may purchase leads and contact consumers in response to a request for information, products, or services. When you submit your information through our forms, your personal information may be shared with one or more of the partners listed below. Current Marketing Partners Aragon Advertising, LLC. – Financial Services (Last Updated February 3rd, 2026. This list may change over time. ) Privacy & Your Rights Sharing personal information with marketing partners in exchange for value may be considered a “sale” or “sharing” under the California Consumer Privacy Act (CCPA/CPRA) and similar state privacy laws. Depending on your state of residence, you may have the right to access, delete, correct, or opt out of the sale or sharing of your personal information. Details and instructions are available in our Privacy Policy. --- The information in this section only applies to California residents. A. Your California Privacy Rights Under California Civil Code Section 1798. 83 (known as Shine the Light Law”), if you are a resident of California, you may request certain information about disclosure of personal information about you during the prior calendar year to third parties for their direct marketing purposes. To make such a request, please write to us at (1230 W. Washington St. , Suite 310, Tempe, AZ 85288) If you are a California resident, the California Consumer Privacy Act, as modified by the California Privacy Rights Act (collectively, the “CCPA”, along with subsequent clarifying CCPA legislation, implementing regulations, and other California privacy laws, provides you certain rights and choices regarding how we collect, share, use, and protect your “personal information” as information that identifies, relates, describes, or is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. We do not disclose “sensitive personal information. ” Exceptions Certain information that we collect may be exempt from the CCPA because it is considered public information or covered by financial privacy laws, such as the Gramm-Leach Bliley Act, the California Financial Information Privacy Act, the Health Insurance Portability and Accountability Act, or the Fair Credit Reporting Act, or may be exempt for other legitimate business purposes. We collect the following categories of “personal information” or “sensitive personal information” for the purposes outlined in this Privacy Policy. A. Identifiers. A real... --- Unlock Agreements are provided exclusively by Unlock Partnership Solutions Inc. , Unlock Partnership Solutions AO1 Inc. , and Unlock Homeownership Solutions Inc. , all of which are wholly-owned subsidiaries of Unlock Technologies, Inc. (collectively, “Unlock”). Unlock Partnership Solutions Inc. holds some Real Estate Broker licenses, including: Unlock Partnership Solutions AO1 Inc. holds NJ REC # 2185646 (Stephen Carvelli, Licensed Real Estate Broker). The applicable Unlock entity enters into the Unlock Agreements directly with consumers and does not act as an agent or broker on behalf of any third-party. No agency relationship shall be formed between any Unlock entity and a consumer pursuant to or in connection with an Unlock Agreement. Unlock Partnership Solutions Inc. and Unlock Partnership Solutions AO1 Inc. may be contacted at the following address: Unlock Partnership Solutions Inc. 1230 W. Washington Street, Suite 310Tempe, AZ 85288 --- Text Message Terms By opting into the programs, you expressly consent and agree to receive telemarketing text (e. g. , SMS and MMS) messages, including calls and text messages that may be sent using an automatic telephone dialing system, or prerecorded voice, to the mobile telephone number you provided when signing up or any other number that you may subsequently opt-in to receive messages on. All the different types of messages you may receive (whether recurring marketing messages, on-demand reply messages, or otherwise) shall be known collectively as the “Programs. ” Consent to receive automated telemarketing text messages is not a condition of any purchase. Unlock Technologies does not charge for text messages you receive. However, mobile phone carriers may charge standard message and data rates for any messages sent to or from us. Message frequency will vary. Unlock reserves the right to alter the frequency of messages sent at any time, so as to increase or decrease the total number of sent messages. Unlock also reserves the right to change the short code or phone number from which messages are sent. Not all mobile devices or handsets may be supported, and our messages may not be deliverable in all areas. Unlock, its service providers, and the mobile carriers supported by the program are not liable for delayed or undelivered messages. Cancellation If you do not wish to continue participating in any Program or no longer agree to these Terms, you agree to text the applicable Short Code (or regular... --- Welcome to Unlock. Unlock is operated by Unlock Technologies, Inc. (“Unlock” or “we” or “us”). By using the web site at www. unlock. com including any subdomain thereof, and submitting an application or a preliminary terms form, and continuing with the application process, you are providing your “written instructions” under the Fair Credit Reporting Act, 15 U. S. C. § 1681 et seq. By so submitting, you hereby consent to and authorize Unlock to obtain consumer reports, including your credit score, from one or more consumer reporting agency(ies), including but not limited to Equifax, Experian, and/or TransUnion, in connection with your application for an Unlock product or service. Submitting an application or preliminary terms form to Unlock will not affect your credit; it will result in a soft credit inquiry which is only visible to you. If you receive an Unlock agreement, you also agree that Unlock may regularly conduct a soft credit inquiry to assess your adherence to the Unlock Agreement. A soft credit inquiry is only visible to you and will not affect your credit. You authorize Unlock to verify information in your application about yourself and the property, and you agree that Unlock may contact third parties to verify any such information. Additional reporting may be made to credit reporting agencies during the term of your Unlock agreement. --- By agreeing to this Consumer Consent and Authorization for Electronic Disclosures (“Consent”), you consent and authorize Unlock Partnership Solutions, Inc. (“Unlock” or “we” or “us”) to provide you with any authorizations, agreements, disclosures, notices or other information in connection with your real estate transaction with Unlock, including but not limited to information we are required by law to provide you in writing (collectively, “Electronic Communications”) in electronic format and to discontinue sending any paper communications to you. Your consent will apply to the entirety of your transaction with us or until expressly withdrawn by you. Please review this Consent carefully, and please keep a copy for your records. I. METHOD OF PROVIDING ELECTRONIC COMMUNICATIONS You agree that Unlock may send all Electronic Communications to you either directly to your email address on file in your online account, on our website, or to your account on the Unlock website portal. If documents are provided on our website, we will notify you of their availability and how to access them by sending you an email. It is your responsibility to maintain an account on the Unlock website portal, including maintaining an updated password, related to this Consent and your transaction with us. You must promptly notify us if you cannot locate your password. Instructions to update your password are below. Your consent remains in effect until you give us notice that you are withdrawing it. We may also treat your failure to maintain an account on the Unlock website portal as a... --- Welcome to the Unlock Website. BY ACCESSING OR USING THE WEBSITE YOU ARE INDICATING THAT YOU HAVE READ AND UNDERSTAND THE TERMS, AND THAT YOU AGREE TO COMPLY WITH AND BE LEGALLY BOUND BY THE TERMS. IF YOU DO NOT AGREE TO THE TERMS, YOU MAY NOT ACCESS OR USE THE WEBSITE OR SERVICES. 1. ABOUT THE TERMS 1. 1 Key Terms As used in these Terms of Use: “Unlock,” “we,” or “us” refer to Unlock Technologies, Inc. and our officers, directors, employees, contractors and agents. To the extent applicable, they also refer to our affiliates, service providers, and their respective officers, directors, employees, contractors and agents. “Services” refers to the alternative real estate forward sale product and services provided by Unlock and its service providers, and any and all related services and promotions. “Users” means any and all persons that access or use the Website. References to “access” and/or “use” of the Website (and any variations thereof) include the acts of accessing or browsing the Website and accessing or using the Services. “Website” refers to any website owned or operated by Unlock (including the website currently located thttp://www. Unlock. com, through which access to the Services is available. References to the “Website” include any and all features, functionality, tools and content available on or through 1. 2 Website Rules Your access to and use of the Website is governed by the terms and conditions of these Terms of Use, our Privacy Policy, currently located at https://unlock. com (as described... --- I. Unlock Technologies, Inc. Unlock Technologies, Inc. (“Unlock” or “We” or “Us”) provides real estate finance products to homeowners (“Products”). Our Products allow existing homeowners to tap into the equity of their homes. Additional privacy rights and notices will apply if you are a California resident. See the section below called Your California Privacy Rights for more information about your fights under California law. A different privacy policy applies if you request or receive a financial product or service from or through us. See our GLBA Privacy Notice for more information about how we collect and disclose nonpublic personal information about you and other consumers. II. Overview The purpose of this Privacy Policy (“Policy”) is to provide individuals (“You”) with information about how We collect, protect, use, and disclose Your personal information through our website (“Site”). We maintain our Site and provide services through them for your information and communication purposes, as well as for purposes associated with the marketing of our products and services (“Services”). This Policy also explains how we collect personal information that you may provide when you visit, use or interact with us online, and through our ads displayed through online services operated by us or non-affiliated third parties. In addition, this Policy explains how we may use or share personal information collected to provide our Services to you and for advertising purposes. If you do not agree with our policies and practices, your choice is not to use our Site. By using our Site, you agree to... --- ---