Privacy Policy

Agent Market Brief (AMB), operated by Marrowlight LLC, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services, including our gamified community platform for real estate agents.

By accessing or using AMB, you agree to the terms of this Privacy Policy. If you do not agree with the terms, please do not access or use our services.

1. Information We Collect

1.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Subscribe to our services or newsletters
• Participate in our community features
• Contact us for support or inquiries
• Participate in surveys or promotions

This information may include:

• Name and contact information (email address, phone number, mailing address)
• Professional information (real estate license number, brokerage affiliation)
• Account credentials (username and password)
• Payment information (processed securely through third-party payment processors)
• Any other information you choose to provide

1.2 Automatically Collected Information

When you access our website, we may automatically collect certain information, including:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, clickstream data)
• Location information (general geographic location based on IP address)
• Cookies and tracking technologies (as described in Section 4)

1.3 Information from Third Parties

We may receive information about you from third-party sources, such as social media platforms if you choose to connect your account, marketing partners, or public databases. We may combine this information with the information we collect from you directly.

2. How We Use Your Information

We use the information we collect for various purposes, including to:

• Provide, operate, and maintain our services
• Process your transactions and manage your account
• Send you administrative communications, updates, and security alerts
• Respond to your inquiries and provide customer support
• Personalize your experience and deliver relevant content
• Send marketing communications (with your consent where required)
• Monitor and analyze usage patterns and trends to improve our services
• Detect, prevent, and address technical issues and security threats
• Comply with legal obligations and enforce our terms
• Facilitate community features, including points systems and rewards programs

3. How We Share Your Information

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

3.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, and customer support. These providers are contractually obligated to protect your information and use it only for the purposes we specify.

3.2 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will provide notice before your information becomes subject to a different privacy policy.

3.3 Legal Requirements

We may disclose your information if required by law, court order, or governmental request, or if we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or comply with legal processes.

3.4 With Your Consent

We may share your information with third parties when you give us explicit consent to do so.

4. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities and enhance your experience. Cookies are small data files stored on your device.

Types of cookies we use:

• Essential cookies: Required for basic website functionality
• Performance cookies: Help us understand how visitors use our website
• Functionality cookies: Remember your preferences and settings
• Advertising cookies: Deliver relevant advertisements and track campaign effectiveness

You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication procedures
• Employee training on data protection practices

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.

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal obligations
• Opt-out: Opt out of marketing communications at any time
• Data portability: Request a copy of your data in a portable format
• Restriction: Request restriction of processing under certain circumstances

To exercise these rights, please contact us using the information provided in Section 10. We will respond to your request within the timeframe required by applicable law.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

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 we become aware that we have collected information from a child without parental consent, we will take steps to delete that information promptly.

9. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

10. Contact Information

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

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

• Posting the updated policy on our website with a new effective date
• Sending you an email notification (if required by applicable law)

Your continued use of our services after the effective date of the updated Privacy Policy constitutes your acceptance of the changes.

12. California Privacy Rights (CCPA)

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

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by us
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your CCPA rights

To exercise these rights, please contact us using the information in Section 10.

13. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right of access to your personal data
• Right to rectification of inaccurate data
• Right to erasure (right to be forgotten)
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to lodge a complaint with a supervisory authority

We process your personal data based on one or more of the following legal bases: consent, contractual necessity, compliance with legal obligations, protection of vital interests, public interest, or legitimate interests. To exercise your rights, please contact us using the information in Section 10.

By using Agent Market Brief, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.