ZoWy Homes Privacy Policy

ZoWy Homes ("ZoWy," "we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, disclose, and protect information when you use the ZoWy Homes website, platform, applications, and related services (collectively, the "Platform").

By using the Platform, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect personal, financial, technical, and transactional information from users of the Platform.

A. Personal Information

Examples include:

• full name,
• email address,
• mobile phone number,
• mailing address,
• date of birth,
• identification documents,
• citizenship or residency information.

B. Financial and Qualification Information

Examples include:

• income information,
• proof of funds,
• bank statements,
• financing preferences,
• investment or ownership structures,
• transaction-related information.

C. Property Information

For sellers or property submissions:

• property address,
• estimated value,
• mortgage information,
• ownership documentation,
• property images and related records.

D. Technical Information

We may automatically collect:

• IP address,
• browser type,
• device information,
• operating system,
• cookies,
• usage analytics,
• platform activity data.

2. How We Use Information

We use collected information to:

• create and manage accounts,
• verify identity,
• process onboarding applications,
• review qualifications,
• facilitate communications,
• provide customer support,
• manage transactions,
• improve platform functionality,
• comply with legal obligations,
• prevent fraud and unauthorized activity.

3. Communication Consent

By providing your contact information, you consent to receive:

• emails,
• phone calls,
• SMS messages,
• platform notifications,

related to:

• account verification,
• onboarding,
• transaction updates,
• document requests,
• adviser communication,
• customer support,
• service announcements,
• marketing communications where permitted by law.

Users may opt out of marketing communications at any time.

4. Document Uploads

Users may upload documents during onboarding and transaction review.

Uploaded documents may include:

• identification documents,
• financial documents,
• proof of funds,
• corporate documents,
• property-related documents.

ZoWy Homes uses commercially reasonable security measures to protect uploaded information.

5. How We Share Information

ZoWy Homes does not sell personal information.

We may share information with:

• advisers,
• transaction managers,
• compliance providers,
• legal professionals,
• technology service providers,
• payment processors,
• affiliated companies,
• regulatory authorities where legally required.

Information is shared only when reasonably necessary to operate the Platform or comply with legal obligations.

6. Third-Party Services

The Platform may contain integrations or links to third-party services.

Third-party providers may include:

• cloud hosting providers,
• analytics providers,
• communication platforms,
• payment processors,
• identity verification providers.

ZoWy Homes is not responsible for the privacy practices of third-party services.

Users should review third-party privacy policies separately.

7. Cookies and Analytics

The Platform may use:

• cookies,
• tracking technologies,
• analytics tools,
• session identifiers.

These technologies help:

• improve functionality,
• analyze usage,
• personalize user experience,
• maintain platform security.

Users may disable cookies through browser settings, although some features may not function properly.

8. Data Security

ZoWy Homes implements commercially reasonable technical and organizational safeguards designed to protect personal information.

Security measures may include:

• encrypted data storage,
• secure authentication,
• restricted access controls,
• secure cloud infrastructure.

However, no system can guarantee absolute security.

Users provide information at their own risk.

9. Data Retention

We retain personal information only for as long as reasonably necessary to:

• provide services,
• comply with legal obligations,
• resolve disputes,
• enforce agreements,
• maintain operational records.

ZoWy Homes may retain certain information after account closure where legally permitted or required.

10. User Rights

Depending on applicable laws, users may have rights to:

• request access to personal data,
• request corrections,
• request deletion,
• request data portability,
• object to certain processing activities.

Requests may be submitted through official contact channels.

ZoWy Homes may require identity verification before processing requests.

11. International Users

The Platform may be accessed by users located outside the United States.

By using the Platform, international users understand that information may be transferred to and processed in the United States or other jurisdictions where ZoWy Homes or its service providers operate.

12. Children's Privacy

The Platform is not intended for individuals under 18 years of age.

ZoWy Homes does not knowingly collect personal information from minors.

If we become aware that information from a minor has been collected, we may delete such information.

13. Compliance and Verification

ZoWy Homes may conduct:

• identity verification,
• AML/KYC reviews,
• fraud prevention checks,
• compliance screening.

Users agree to cooperate with reasonable compliance requests.

Failure to comply may result in account suspension or termination.

14. California Privacy Rights

California residents may have additional privacy rights under applicable California privacy laws.

Eligible users may request:

• disclosure of collected information,
• deletion of personal data,
• correction of inaccurate information.

ZoWy Homes does not sell personal information to third parties.

15. Changes to This Privacy Policy

ZoWy Homes may update this Privacy Policy from time to time.

Updated versions will be posted on the Platform with a revised effective date.

Continued use of the Platform after updates constitutes acceptance of the revised Privacy Policy.

16. Contact Information

ZoWy Homes

Email: hello@zowyhomes.com

Website: www.zowyhomes.com

For privacy or compliance inquiries, please contact us using the official contact information available on the Platform.

17. Acknowledgment

By using the ZoWy Homes Platform, you acknowledge that you have read and understood this Privacy Policy and consent to the practices described herein.