Privacy Policy

UnderwriteWise ("UWise," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, platform, applications, and related services (collectively, the "Services"). By accessing or using our Services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

a. Information You Provide

We collect information that you voluntarily provide to us, including:

• Personal Identifiers: Name, email address, phone number, mailing address, and date of birth
• Account Credentials: Username, password, and security questions
• Professional Information: Job title, company name, real estate license number, and professional affiliations
• Financial Information: Investment preferences, portfolio details, income range, and net worth range (for service customization purposes)
• Payment Information: Credit card numbers, billing addresses, and payment history (processed through secure third-party payment processors)
• Property Data: Property addresses, financial details, and investment criteria that you input into our analysis tools
• Communications: Messages, feedback, support requests, and other correspondence you send to us
• User-Generated Content: Notes, saved analyses, custom reports, and other content you create using our Services

b. Information Collected Automatically

When you access or use our Services, we automatically collect certain information, including:

• Device Information: Device type, operating system, browser type and version, unique device identifiers, and mobile network information
• Usage Data: Pages visited, features used, search queries, click patterns, time spent on pages, and navigation paths
• Log Data: IP address, access times, referring URLs, error logs, and system activity
• Location Data: Approximate geographic location based on IP address or, with your consent, more precise location data from your device
• Cookies and Similar Technologies: Information collected through cookies, web beacons, pixel tags, and similar tracking technologies (see Section 4)

c. Information from Third-Party Sources

We may receive information about you from third-party sources, including:

• Public Records and Databases: Property records, tax assessments, ownership information, and other publicly available real estate data
• Data Providers: Market data, property valuations, rental rates, and demographic information from licensed data providers
• Authentication Services: Information from third-party authentication providers (such as Google or Apple) if you choose to sign in using those services
• Marketing Partners: Information from advertising networks and analytics providers

2. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To provide, maintain, and improve our Services, including property analysis, underwriting tools, and investment insights
• Account Management: To create and manage your account, process transactions, and provide customer support
• Personalization: To customize your experience, provide tailored recommendations, and deliver relevant content
• AI Processing: To power our AI-driven analysis tools, generate property insights, and improve our machine learning models
• Communications: To send you service-related notices, updates, security alerts, and marketing communications (with your consent where required)
• Analytics and Research: To analyze usage patterns, conduct research, and improve our Services and user experience
• Security and Fraud Prevention: To detect, investigate, and prevent fraudulent transactions, unauthorized access, and other illegal activities
• Legal Compliance: To comply with applicable laws, regulations, legal processes, and governmental requests
• Business Operations: To support our internal business operations, including billing, auditing, and administrative functions

3. Data Sharing and Disclosure

We may share your information in the following circumstances:

• Service Providers: We share information with third-party vendors and service providers who perform services on our behalf, such as payment processing, data hosting, analytics, customer support, and email delivery. These providers are contractually obligated to protect your information and use it only for the purposes we specify.
• Data Partners: We may share anonymized or aggregated data with real estate data providers and partners to improve data accuracy and service quality. This data cannot be used to identify you personally.
• Legal Requirements: We may disclose your information if required to do so by law or in response to valid legal processes, such as subpoenas, court orders, or government requests.
• Protection of Rights: We may disclose information to protect the rights, property, or safety of UWise, our users, or the public, including enforcing our Terms of Service and investigating potential violations.
• Business Transfers: In connection with any merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred to the acquiring entity or successor.
• With Your Consent: We may share your information with third parties when you have given us explicit consent to do so.

We do not sell your personal information to third parties for their direct marketing purposes.

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and store information about your interactions with our Services. These technologies include:

• Essential Cookies: Required for the basic functionality of our Services, such as authentication, security, and session management. These cannot be disabled.
• Analytics Cookies: Help us understand how users interact with our Services, which pages are most popular, and how to improve user experience. We use services like Google Analytics for this purpose.
• Functional Cookies: Remember your preferences and settings to provide a more personalized experience, such as language preferences and display settings.
• Marketing Cookies: Used to deliver relevant advertisements and track the effectiveness of our marketing campaigns. These may be set by our advertising partners.

You can manage your cookie preferences through your browser settings. Most browsers allow you to block or delete cookies. However, blocking certain cookies may affect the functionality of our Services.

5. AI Data Processing and Important Limitations

Our Services utilize artificial intelligence and machine learning technologies to process your data and provide analyses. Important information about our AI data processing:

• Data Used for AI: Property data, financial information, and market data you provide or that we collect may be processed by our AI systems to generate analyses, projections, and recommendations.
• Model Training: We may use anonymized and aggregated data to train and improve our AI models. Your personal information is not used to train models in a way that could identify you.
• Third-Party AI Services: We may use third-party AI services (such as large language model providers) to power certain features. Data shared with these services is governed by our data processing agreements and their privacy policies.
• AI Limitations: AI-generated outputs may contain errors or inaccuracies. These outputs are provided for informational purposes only and should not be relied upon as the sole basis for any decision. Please refer to our Disclaimer for more information.
• Human Review: Certain AI-generated outputs may be reviewed by our team for quality assurance purposes. Any such review is conducted in accordance with our data protection policies.

6. Data Retention

We retain your information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. Specific retention periods include:

• Account Data: Retained for the duration of your account and for a reasonable period after account closure to comply with legal obligations and resolve disputes
• Transaction Records: Retained for a minimum of seven (7) years as required by financial and tax regulations
• Usage and Analytics Data: Retained in anonymized or aggregated form for up to three (3) years for research and service improvement
• Marketing Data: Retained until you opt out of marketing communications or request deletion
• Legal and Compliance Data: Retained as required by applicable laws and regulations

When your data is no longer needed, we will securely delete or anonymize it in accordance with our data retention policies and applicable law.

7. Security Measures

We implement industry-standard security measures to protect your information from unauthorized access, use, alteration, and disclosure. These measures include:

• Encryption: All data transmitted between your device and our servers is encrypted using TLS/SSL technology. Sensitive data is encrypted at rest.
• Access Controls: We restrict access to personal information to authorized personnel who need it to perform their job functions.
• Infrastructure Security: Our systems are hosted on secure cloud infrastructure with firewalls, intrusion detection, and regular security audits.
• Payment Security: Payment information is processed through PCI DSS-compliant third-party payment processors. We do not store complete credit card numbers on our servers.
• Monitoring: We continuously monitor our systems for security threats and vulnerabilities.

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to implementing and maintaining reasonable security measures.

8. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

a. Access and Portability

You have the right to request a copy of the personal information we hold about you in a structured, commonly used, and machine-readable format.

b. Correction and Deletion

You have the right to request that we correct inaccurate personal information or delete your personal information, subject to certain legal exceptions and obligations.

c. Opt-Out Rights

You may opt out of:

• Marketing communications by clicking the "unsubscribe" link in any marketing email or by contacting us directly
• Targeted advertising by adjusting your cookie preferences or using industry opt-out mechanisms
• Data sharing with third parties for marketing purposes by contacting us

d. California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

• The right to know what personal information we collect, use, disclose, and sell
• The right to delete personal information we have collected from you
• The right to opt out of the sale or sharing of your personal information
• The right to non-discrimination for exercising your privacy rights
• The right to correct inaccurate personal information
• The right to limit the use and disclosure of sensitive personal information

To exercise any of these rights, please contact us at info@uwise.io. We will respond to your request within the timeframes required by applicable law.

9. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to promptly delete such information. If you believe that we may have collected information from a child under 18, please contact us at info@uwise.io.

10. International Data Transfers

Our Services are primarily operated in the United States. If you are accessing our Services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States or other countries where our service providers operate. These countries may have data protection laws that differ from the laws of your jurisdiction.

By using our Services, you consent to the transfer of your information to the United States and other countries as described in this Privacy Policy. We take appropriate measures to ensure that your information receives an adequate level of protection in the jurisdictions in which we process it, including through the use of standard contractual clauses and other approved transfer mechanisms.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make material changes, we will notify you by:

• Posting the updated Privacy Policy on our website with a new "Last Updated" date
• Sending you an email notification (for material changes)
• Displaying a prominent notice within our Services

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of our Services after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

12. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: