Privacy Policy

1. Introduction

Welcome to SettleSavvy ("we," "our," or "us"). We are committed to protecting your privacy and ensuring you have a positive experience on our website and in using our services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

2. Information We Collect

2.1 Information You Provide

• Account Information: Email address, name, phone number, and other contact details when you create an account or sign in
• Authentication Data: Information from third-party authentication providers (Google, Facebook) when you use social login
• Preferences: Your neighborhood preferences, property search criteria, saved neighborhoods, and other user preferences
• Communication: Information you provide when contacting us or participating in surveys
• Booking Details: When you book a call with a Partner Agent (or our founder) or ask an agent for a seat, your name, phone number, email and what you tell us about your move
• Payment: Savvy Select and the agents' Relocation Pro plan are paid through Stripe. Stripe collects your card details; we receive only a confirmation and never see or store your card number
• Partner Agents: If you are a real estate agent in our Partner network, your profile, your license details (used to verify your license) and, if you choose to connect one, calendar access (see section 13)

2.2 Automatically Collected Information

• Usage Data: Information about how you interact with our website, including pages visited, time spent, and actions taken
• Device Information: IP address, browser type, device type, operating system, and other technical information
• Location Data: Approximate location derived from your IP address, and your precise location only if you allow it in your browser
• Cookies and Tracking: We use cookies and similar tracking technologies to enhance your experience

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process your account registration and authenticate your identity
• Personalize your experience and provide tailored neighborhood recommendations
• Send you property search results and neighborhood information based on your preferences
• Communicate with you about your account, our services, and important updates
• Respond to your inquiries and provide customer support
• Analyze usage patterns and improve our website functionality
• Detect, prevent, and address technical issues and security threats
• Comply with legal obligations and enforce our terms of service

4. Third-Party Services and Data Sharing

4.1 Authentication Providers

When you use social login (Google or Facebook), we receive information from these providers in accordance with their privacy policies. We use this information to create and manage your account.

4.2 Property Data Providers

We use third-party services (such as RentCast) to provide property listings and neighborhood data. Your search criteria may be shared with these providers to retrieve relevant results.

4.3 Partner Agents You Choose to Contact

When you book a call with a Partner Agent or ask one for a seat, we send that agent your name, phone number, email and what you told us about your move, so they can prepare for the call. Among agents, it goes only to the one you picked; it also passes through our customer messaging provider, which sends the booking texts (see 4.4). Partner Agents agree, in the referral agreement they sign to join our network, to keep client information confidential. If you choose an agent, we match you with one at your request, or you join SettleSavvy through an agent's invitation, that agent can also see your saved maps and saved homes, and edit them if you allow it. Our staff may match you with an agent when you ask us to.

How referrals are paid: if you buy or sell a home with a Partner Agent we introduced, that agent's brokerage pays a referral fee out of its commission to Real Broker, LLC, the brokerage of our referring broker, Brigham Redd. You pay nothing extra. Agents on the Relocation Pro plan pay us a monthly fee, which can give them exclusive placement on their city's market page, local advertising, and free Savvy Select seats to offer buyers. We contact an agent's clients only when the agent invites them to SettleSavvy, and a buyer who has chosen an agent is never passed to another agent unless the buyer asks.

4.4 Service Providers

We use service providers to run SettleSavvy: hosting (DigitalOcean, Vercel), sign-in (Google Firebase), payments (Stripe), our customer messaging and CRM provider (LeadConnector), which sends sign-in and booking texts and some email, email delivery (SendGrid, Amazon SES), our founder's call scheduling (Calendly), maps and location search (Mapbox), AI processing (OpenRouter) for our in-app assistant, agents' profile answers, and short summaries of your account activity for our customer records, and analytics (PostHog, including recordings of how pages are used, and Google Analytics). They process your information only on our instructions and only to provide those services.

4.5 We Do Not Sell Your Information

We do not sell or rent your personal information to anyone.

4.6 Legal Requirements

We may disclose your information if required by law, court order, or governmental authority, or to protect our rights, property, or safety, or that of our users or others.

5. Data Storage and Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your data is stored on secure servers and is retained only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law.

6. Your Rights and Choices

You have the right to:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (see our Data Deletion Instructions)
• Opt-Out: Reply STOP to any text from us to stop texts. To stop any email, or to opt out of analytics tied to your account, write to privacy@settlesavvy.ai
• Portability: Request a copy of your data in a portable format

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

7. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect and store information about your preferences and interactions with our website. You can control cookies through your browser settings, though disabling cookies may affect your ability to use certain features of our website.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

9. Where Your Data Is Stored

SettleSavvy is a United States service, and your information is stored in the United States. Some service providers, such as the AI models behind our assistant, may process requests outside the United States.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

11. Contact Us

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

12. Facebook Login

When you use Facebook Login to access SettleSavvy, we collect and use information from your Facebook account in accordance with Facebook's Data Policy and this Privacy Policy. We use Facebook Login to:

• Authenticate your identity and create your SettleSavvy account
• Access your basic profile information (name, email address) provided by Facebook
• Link your Facebook account to your SettleSavvy account for seamless login

We do not post to Facebook on your behalf or access your Facebook friends list without your explicit permission. You can revoke our access to your Facebook account at any time through your Facebook account settings or by contacting us.

For information about how Facebook collects and uses your data, please review Facebook's Data Policy at https://www.facebook.com/privacy/explanation.

12a. Google Sign-In

If you sign in with Google, Google shares your name, email address and profile picture with us. We use them to create your account, sign you in, and recognize your account in our analytics (PostHog). Signing in with Google does not give us access to your calendar, email or files; calendar access is a separate, optional connection for Partner Agents (section 13). You can remove SettleSavvy at myaccount.google.com/permissions.

13. Calendar Connections for Partner Agents

Real estate agents in our Partner network can connect the calendar they already use (Google Calendar, Microsoft Outlook or Apple iCloud Calendar) so that home buyers can book intro calls with them on SettleSavvy. Connecting a calendar is optional and is done by the agent, through the provider's own permission screen (Google, Microsoft) or an app-specific password (Apple). We never ask for, see or store an agent's Google, Microsoft or Apple account password.

13.1 What we access, and why

For Google Calendar we ask for three permissions, each for one job:

• See your list of calendars (calendar.calendarlist.readonly), to know which of your calendars to check for busy times.
• See when you are busy (calendar.events.freebusy), so buyers are offered only times you are free. This returns busy time ranges only, not what the events are.
• Make a calendar for SettleSavvy and manage events on it (calendar.app.created). When you connect, we add one calendar named “SettleSavvy bookings” to your Google account and put every booked appointment there, updating or removing it when it is rescheduled or cancelled. This permission reaches only that calendar: we cannot add to, change, read or delete anything on your own calendars, and we never read the titles, descriptions, attendees or contents of your events.

13.2 What we keep, where, and for how long

• The connection credentials (the access tokens Google or Microsoft issue, or the Apple app-specific password) are stored in our own scheduling system, open-source software (Cal.com) that we run on our own servers, hosted by DigitalOcean in the United States, in a database encrypted at rest; Apple passwords are additionally encrypted one by one. No outside scheduling company receives them. While an agent is still filling in our sign-up form, the connection is held, encrypted, in our main database and moved into the scheduling system when the form is submitted; if the form is never submitted it stops working after a day and is deleted, with Google access revoked, the next time our cleanup runs after that.
• We also keep which calendar is connected: its ID and the account's email address.
• Busy times are looked up when a buyer views open times and are not kept.
• For each appointment booked through SettleSavvy we keep the time, the buyer's details and the calendar event's ID, so the appointment can be rescheduled or cancelled. These stay after a disconnect, because the buyer's booking still exists. When an agent leaves the network we disconnect the calendar at once (credentials deleted, Google access revoked); on a deletion request to privacy@settlesavvy.ai we delete the appointment records within 30 days.
• Backups containing calendar credentials are deleted within 30 days.

13.3 Who sees it

Data we receive from an agent's calendar account (the credentials, calendar IDs and busy times) is not shared with any third party. It is stored in our self-hosted scheduling system and our managed database, encrypted at rest, on DigitalOcean, which provides only the infrastructure; it is never sent to analytics, advertising or marketing tools. Booking details (the appointment time and the agent's name) also go to our messaging provider to send the booking texts, and booking emails are delivered through Amazon SES. A buyer who books sees the open time slots and, once booked, the appointment time and the agent's name and email address. Calendar data is never sold, never used for advertising, never used to train artificial intelligence or machine learning models, and never read by a person at SettleSavvy except when the agent asks us to fix a problem with their connection, or the law requires it.

13.4 Disconnecting

Agents can disconnect at any time from their SettleSavvy dashboard (Agent Portal, Let buyers book time with you, Disconnect), which deletes the stored credentials immediately and, for Google, also revokes our access with Google. They can also revoke access from their Google account at myaccount.google.com/permissions, from Microsoft account settings, or by deleting the app-specific password at appleid.apple.com. Revoking there makes the stored credentials stop working at once; Disconnect, or a deletion request, removes them. The “SettleSavvy bookings” calendar stays in your Google account with your past appointments; delete it from Google Calendar whenever you like.

SettleSavvy's use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.