Privacy Policy

Last Updated: January 2025

Contact: support@ownerfi.ai

📋 Privacy Summary (Key Points)

  • We collect your name, phone, email, budget, and preferences
  • We share this information with licensed real estate agents who will contact you
  • Agents pay Ownerfi a 30% referral fee when they help you close on a home
  • Agents may call, text, or email you to offer help with properties
  • You can decline representation by telling the agent directly
  • We use cookies and tracking technologies to improve our platform
  • We implement security measures but cannot guarantee absolute security
  • You have rights to access, correct, or delete your data (with limitations)
  • Once shared with agents, we cannot control their use of your data

1. Information We Collect (CCPA Notice at Collection)

CategoryExamplesPurposeRecipients
IdentifiersName, email, phone, IP addressAccount creation, lead matchingReal estate agents, service providers
Commercial InfoProperty preferences, budget, saved propertiesProperty matching, recommendationsReal estate agents
Internet ActivityBrowsing history, searches, clicksPlatform improvement, personalizationAnalytics providers
GeolocationCity, state, general areaLocal property search, agent matchingReal estate agents

A. Information You Provide

  • Name
  • Phone number
  • Email address
  • City/area of interest
  • Budget or preferences
  • Property selections or interactions

B. Automatically Collected Information

  • IP address
  • Device information
  • Browser type
  • Analytics and behavioral data
  • Search history
  • Favorite properties
  • Pages visited

C. Cookies & Tracking

We use:

  • cookies (max 13 months retention)
  • analytics tools
  • session logs
  • tracking pixels

to improve platform performance and personalize your experience.

2. How We Use Your Information

🎯 Primary Purpose: Referring You to Licensed Agents

We use your information primarily to refer you to licensed real estate agents in your area who can help you view properties, write offers, and represent you through the purchase process.

We use your information to:

  • refer you to licensed real estate agents in your area
  • allow agents to contact you
  • show you owner-finance candidate listings (sellers who may consider owner financing — not confirmed) and cash-deal listings intended for investors
  • provide account services
  • improve the Service
  • maintain security and fraud detection
  • comply with legal requirements

3. How We Share Your Information

📞 A. Licensed Real Estate Agents

This is the primary purpose of collecting your information.

We share:

  • your name
  • phone number
  • email
  • the property you are interested in
  • your general market area
  • your buying preferences

Agents use this information to contact you and offer representation, assistance, or appointments.

B. Service Providers

We may share data with:

  • hosting providers
  • analytics platforms
  • marketing tools
  • customer support tools

C. Legal Requirements

We may share information to comply with legal obligations.

4. User Choice: Declining Representation

✅ You Have Control

If you do not wish to be represented:

  • Inform any contacting agent: "I do not want representation."
  • Agents are legally obligated to stop contacting you.
  • Ownerfi is not responsible for their failure to do so.

5. Data Retention

We retain user data according to these specific periods:

Data TypeRetention Period
Account InformationActive account + 3 years after closure
Lead/Referral Data7 years (legal/compliance)
Transaction Records7 years (tax/financial compliance)
Marketing PreferencesUntil opt-out or 3 years inactive
Analytics Data26 months, then anonymized
Cookies13 months maximum

You may request deletion at any time by contacting support@ownerfi.ai. Note: Some data may be retained for legal compliance even after deletion requests.

6. Data Security

We use industry-standard security to protect your data, including:

  • Encryption of sensitive data during transmission
  • Secure data storage practices
  • Access controls and authentication measures

Disclaimer: We cannot guarantee absolute security.

🔔 Data Breach Notification

If we become aware of a security incident that materially compromises your personal information, we will notify affected users as required by applicable state breach-notification laws. Notice will be sent to the email address on file. Where state law requires it, we will also notify the appropriate state Attorney General and credit-reporting agencies. We will provide information about the incident, the categories of data involved, and steps you can take to protect yourself.

7. Your Rights

Depending on your state, you may have rights to:

  • access your data
  • correct your data
  • delete your data
  • opt out of sharing
  • request a copy of your data

To submit a request, contact: support@ownerfi.ai

8. California Privacy Rights (CCPA)

🏛️ California Residents

Under the California Consumer Privacy Act (CCPA), you have:

  • Right to Know: Request disclosure of personal information we collect, use, or share
  • Right to Delete: Request deletion of personal information (with exceptions)
  • Right to Opt-Out: Opt out of the sale/sharing of personal information
  • Right to Non-Discrimination: Equal service regardless of privacy choices

To exercise your rights, email support@ownerfi.ai with "CCPA REQUEST" in the subject line.

CCPA "Sale" and "Sharing" Disclosure — Do Not Sell or Share My Info

Important: Under the CCPA, sharing your contact information with real estate agents in exchange for referral fees may constitute a "sale" or "sharing" of personal information.

Categories of data sold/shared:

  • Identifiers (name, email, phone)
  • Commercial information (property preferences, budget)
  • Geolocation (city, state)

To Opt-Out: Email support@ownerfi.ai with "DO NOT SELL/SHARE MY INFO" in the subject line. Include your name and email address associated with your account.

We also honor the Global Privacy Control (GPC) signal. If your browser sends a GPC signal, we will treat it as a valid opt-out request.

8A. Service Geographic Scope (EU / GDPR)

Ownerfi is a U.S.-only service. We do not target, market to, or knowingly accept users in the European Economic Area (EEA), United Kingdom, or other jurisdictions with comprehensive personal-data laws (such as GDPR or UK GDPR). The properties on our platform are U.S. real estate. If you access the Service from outside the United States, you do so at your own initiative and you consent to your personal data being processed in the United States under U.S. law.

9. Children's Privacy

Ownerfi is not intended for users under 18. We do not knowingly collect personal information from anyone under the age of 18.

Inadvertent Collection: If we discover that we have inadvertently collected personal information from a user under 18, we will delete that information within 30 days. If you believe we have collected information from a minor, please contact support@ownerfi.ai immediately.

10. Updates to This Policy

We may update this Privacy Policy. Continued use constitutes acceptance.

11. Contact

Ownerfi

Email: support@ownerfi.ai

✅ By Using Ownerfi, You Agree

By using Ownerfi, you acknowledge that you have read and agree to this Privacy Policy. You consent to the collection and sharing of your information with licensed real estate agents as described above. You understand that agents pay Ownerfi a referral fee, that agents may contact you, and that you can decline representation at any time.