Privacy Policy

This Privacy Policy describes how UWise LLC ("UWise," "Underwrite Wise," "UWise.io," "we," "our," or "us") collects, uses, and protects the personal information of users ("you" or "your") who access or use our website https://uwise.io (formerly UnderwriteWise.com) and any related services (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy. If you do not agree with any provision of this Privacy Policy, please discontinue use of our Services immediately.

1. Information We Collect

We collect information that you provide directly to us and information that is automatically collected when you interact with our Services.

a. Information You Provide

When you register for an account, request information, or interact with our tools, we may collect:

• Personal identifiers: name, email address, phone number
• Professional information: occupation or role, investor profile, company name (if applicable)
• Property and underwriting data: property addresses and factual details submitted for analysis
• Payment information: payment details are processed securely by our third-party payment processor, Stripe. We do not store full credit card numbers on our servers.

b. Information Collected Automatically

We use cookies and similar tracking technologies to collect:

• Device type, browser type, and operating system
• IP address and approximate geolocation
• Usage data, including page views, session duration, and referral sources
• Interaction data with our Services

c. Information from Third-Party Sources

We may receive limited information from third-party service providers, including:

• Stripe: payment status and transaction identifiers
• HubSpot: customer relationship management and communication data
• Google Analytics: website performance metrics and user behavior analytics
• OpenAI API and Perplexity API: AI processing results of property data you submit

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, maintain, and improve our Services
• To generate AI-powered underwriting analyses based on data you submit
• To communicate with you about your account, transactions, updates, and Service-related announcements
• To process payments and manage subscriptions
• To respond to your inquiries and provide customer support
• To conduct analytics, research, and performance monitoring
• To detect, prevent, and address technical issues, fraud, or security concerns
• To comply with applicable legal obligations and enforce our agreements

3. Data Sharing and Disclosure

We do not sell your personal information. We may, however, share your information in the following circumstances:

• Service Providers: We share data with trusted third-party vendors and service providers who assist us in operating our platform, including cloud hosting (AWS), payment processing (Stripe), customer relationship management (HubSpot), and analytics providers. These service providers are contractually obligated to protect your data and use it only for the purposes we specify.
• At Your Direction: If you request that we connect you with an investment partner, broker, or other third party, we may share relevant information with that party as necessary to fulfill your request.
• Legal Compliance: We may disclose your information when required by law, court order, subpoena, or governmental request, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others, investigate fraud, or respond to a government request.
• Business Transfers: In the event of a merger, acquisition, reorganization, bankruptcy, or sale of all or substantially all of our assets, your information may be transferred to the acquiring entity or successor organization.

All third-party partners and vendors are bound by confidentiality obligations and data protection requirements consistent with this Privacy Policy and applicable law.

4. Cookies and Tracking Technologies

UWise uses cookies, web beacons, pixels, and similar technologies to personalize your experience, understand usage patterns, and analyze the performance of our Services. These technologies help us:

• Remember your preferences and settings
• Understand which features are most popular
• Improve the overall user experience
• Measure the effectiveness of our marketing campaigns

You may adjust your browser settings to refuse cookies or alert you when cookies are being sent. However, please note that some features of our Services may not function properly if cookies are disabled.

5. AI Data Processing and Important Limitations

Our underwriting platform utilizes artificial intelligence models and third-party APIs (including OpenAI and Perplexity) to process and analyze factual property information that you submit. Please be aware of the following:

• AI analysis is automated and may involve the transmission of your submitted data to third-party AI service providers for processing.
• AI-generated outputs are provided for informational purposes only and do not constitute financial advice, investment advice, legal advice, or any other professional advice.
• You are solely responsible for independently verifying all AI-generated results before making any investment or business decisions.
• We do not guarantee the accuracy, completeness, or reliability of AI-generated content.

6. Data Retention

We retain your personal information for as long as your account is active or as necessary to provide you with the Services. We may also retain and use your information as required to comply with our legal obligations, resolve disputes, enforce our agreements, and protect our legal rights.

You may request deletion of your personal information at any time by contacting us (see Section 8 below). Upon receiving a verified deletion request, we will delete your information from our active systems, except where retention is required by law or for legitimate business purposes (such as fraud prevention or financial record-keeping).

7. Security Measures

We employ reasonable and appropriate administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encrypted transmission of data using HTTPS/TLS protocols
• Secure cloud storage hosted on Amazon Web Services (AWS)
• Regular security assessments and vulnerability testing
• Access controls and authentication mechanisms

However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

8. Your Rights and Choices

a. Access, Correction, and Deletion

You have the right to request access to, correction of, or deletion of your personal information. To exercise these rights, please contact us at underwritewise@gmail.com. We will verify your identity before processing your request and respond in accordance with applicable law.

b. Opt-Out of Marketing Communications

You may opt out of receiving promotional or marketing emails from us by clicking the "unsubscribe" link included in each marketing message. Please note that even if you opt out of marketing communications, we may still send you transactional or administrative messages related to your account or use of the Services.

c. California Residents - "Do Not Sell or Share My Personal Information"

UWise does not sell personal information as defined under the California Consumer Privacy Act (CCPA) or the California Privacy Rights Act (CPRA). However, if you are a California resident and wish to submit a formal request regarding the sale or sharing of your personal information, you may do so by emailing us at underwritewise@gmail.com. We will respond to your request within the timeframes required by applicable California privacy laws.

d. Additional Rights for EU/UK Residents (GDPR)

If you are located in the European Union or United Kingdom, you may have additional rights under the General Data Protection Regulation (GDPR), including the right to data portability, the right to object to processing, and the right to lodge a complaint with a supervisory authority.

9. Children's Privacy

Our Services are intended for users who are at least 18 years of age. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have inadvertently collected personal information from a child under 18, we will take prompt steps to delete such information from our systems.

If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately at underwritewise@gmail.com.

10. International Data Transfers

Your information is stored and processed on secure servers located in the United States, hosted by Amazon Web Services (AWS). By using our Services, you consent to the transfer, storage, and processing of your information in the United States, which may have different data protection laws than your country of residence.

We take appropriate measures to ensure that your personal information remains protected in accordance with this Privacy Policy, regardless of where it is processed.

11. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

Your continued use of the Services after any changes to this Privacy Policy constitutes your acceptance of the revised terms. If we make material changes, we may provide additional notice, such as via email or through a prominent notice on our website.

12. Contact Information

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