Privacy Policy

1. Operating Entity & Scope

Terms Real Estate provides real-estate advisory, transaction coordination, property acquisition activities, investor tooling, and related platform services in Michigan. Licensed real-estate brokerage activities performed by Joshua Anthony Ransom are conducted under his affiliation with Mid-Mitten Realty.

This Privacy Policy governs all interactions with termsrealestate.com, our client portal, property review intake workflows, AI Concierge (“Alfred”), resource downloads, and communications channels.

2. Information Users Provide

We collect information that you knowingly submit when interacting with our platform, including:

3. Account Registration & Firebase Authentication

When you create an account to access the client portal or T.E.R.M.S. Vault, identity verification and credential management are powered by Google Firebase Authentication.

We store your primary email address, unique Firebase User ID (UID), account creation timestamp, and last login timestamp. We never view, log, or store plaintext passwords; password hashing and cryptographic authentication tokens are managed securely by Google Cloud infrastructure.

4. AI Concierge (“Alfred”) Conversations

When engaging with Alfred, our conversational AI assistant, messages and transaction queries are processed server-side using the Google Gemini API.

• Contextual Transcripts: Conversation logs may be maintained during your session to provide coherent follow-up answers and facilitate agent handoffs upon your request.
• Data Hygiene Guardrails: Users are instructed never to enter Social Security numbers, bank routing credentials, credit card details, or unredacted tax returns into conversational chats.
• Educational Disclaimer: Alfred produces educational scenarios and general guidance. Outputs do not constitute binding contracts, formal mortgage approvals, or professional legal advice.

5. Document Uploads, Screenshots & Contract Files

Users may upload property photos, repair scope documents, mortgage payoff notices, warranty deeds, or purchase contracts into our evaluation engines or Vault.

Uploaded files are stored in protected Google Cloud Storage buckets governed by strict access-control rules. Documents are reviewed exclusively by authorized transaction coordinators, title partners, and authorized settlement or transaction professionals for the express purpose of transaction feasibility analysis.

6. Resource Downloads & Guides

When you download free educational resources (including the Credit Defense Guide, seller guides, or open-source contract templates), we may log your download request and contact details to deliver updated versions, addendums, and relevant municipal legal updates.

7. Usage Data & Technical Telemetry

When you navigate our website, our servers automatically collect standard technical metrics:

• IP address (for fraud prevention, rate-limiting, and approximate geographic routing within Michigan).
• Browser type, operating system, and display viewport dimensions.
• Referring website URLs and UTM marketing attribution parameters.
• Page navigation timestamps, error logs, and platform response latencies.

8. Cookies & Analytics

We employ a minimal, privacy-conscious approach to cookies and tracking:

• Essential Operational Storage: Browser localStorage and session cookies are used to maintain dark/light theme preferences, authenticated portal sessions, and intake form drafts.
• Measurement & Telemetry: Where configured, Google Analytics 4 (GA4) collects anonymized traffic aggregates. We do not participate in third-party data broker networks, nor do we sell conversion pixels to commercial lead resellers.

9. Purposes of Processing

We process collected data exclusively to fulfill legitimate real estate operations:

• Underwriting direct cash offers, creative terms, lease-options, and subject-to acquisitions.
• Providing licensed fiduciary representation, listing agreements, and buyer agency through Mid-Mitten Realty.
• Coordinating pre-approval mortgage consultations with licensed lending partners upon consumer request.
• Operating the investor Vault, calculations suite, and portfolio deal pipeline.
• Responding to customer inquiries and providing ongoing operational transaction support.

10. Infrastructure & Service Providers

We engage select enterprise service providers who process data strictly under confidentiality agreements:

• Google Cloud Platform & Firebase: Database hosting, serverless execution, and encrypted storage.
• Transactional Email Services: Delivering confirmation notices, resource links, and consultation memos.
• Affiliated Brokerage Compliance Infrastructure: Mandatory real estate regulatory archiving for licensed brokerage files through Mid-Mitten Realty.

11. Authorized Transaction & Lending Partners

We never sell your contact information. We share transaction-related data only when authorized by you to advance your real estate transaction:

• Title & Escrow Companies: State-licensed title agencies to examine title history, clear municipal liens, and prepare closing deeds.
• Licensed Mortgage Lenders: NMLS-registered mortgage originators only when you explicitly request a mortgage scenario review or pre-approval referral.
• Closing Attorneys: Preparing specialized creative financing notes, mortgages, land contracts, or probate petitions.

12. Communications & SMS Consent (TCPA & 10DLC)

By submitting your phone number via any intake, mortgage, or contact form on this platform, you provide prior express written consent for Terms Real Estate and our representatives to contact you via phone calls and SMS text messages regarding your transaction inquiry.

13. Data Retention & Michigan LARA Compliance

Under Michigan Department of Licensing and Regulatory Affairs (LARA) Occupational Code (Act 299 of 1980) and administrative rules, licensed real estate brokerages are required to retain transaction records, listing agreements, purchase offers, agency disclosures, and trust account records for a minimum statutory period of three (3) to six (6) years.

Non-transactional inquiries, preliminary drafts, and unauthenticated visitor telemetry are periodically purged or anonymized in accordance with our operational retention schedules.

14. Security Safeguards & Technical Limitations

We implement comprehensive technical, physical, and administrative safeguards designed to protect personal and transaction data:

• End-to-end Transport Layer Security (TLS 1.3) encryption for all browser and API transmissions.
• Granular Cloud Firestore security rules preventing unauthorized read/write access.
• Environment-level isolation of API keys and server secrets away from client-side bundles.

Notice: While we adhere to rigorous commercial security protocols, no method of transmission over the internet or electronic cloud storage is 100% immune from hostile intrusion or technological failure.

15. User Choices & Individual Rights

Subject to mandatory Michigan statutory retention rules, you maintain the following rights regarding your personal information:

• Access & Inspection: You may request a copy of personal information we maintain in your client file.
• Correction & Updates: You may request correction of outdated or inaccurate personal records.
• Account Deletion: You may request deletion of your client portal account by emailing info@termsrealestate.com.

16. Children's Privacy

Our platform, real estate acquisition services, and investor tools are strictly intended for individuals who are at least eighteen (18) years of age. We do not knowingly solicit or collect information from children under the age of 18.

17. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in platform architecture, legal requirements, or commercial practices. The date of the most recent revision is indicated at the top of this document. Continued use of the platform after updates constitutes acceptance of the revised terms.