Privacy Policy

Zourse, Inc. ("Zourse," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at zourse.ai (the "Site") and use our products and services (collectively, the "Services").

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

1. Information We Collect

1.1 Information you provide to us

We collect information that you voluntarily provide when you:

• Sign up for our waitlist (name, email address, company name, role, market, and use case description)
• Create an account to use the Zourse platform
• Contact us via email or other communication channels
• Upload documents to the platform (rent rolls, T12 statements, operating memoranda, property photos)
• Submit inquiries or requests through the platform's chat interface

1.2 Information collected automatically

When you access our Site or Services, we may automatically collect:

• Device information (browser type, operating system, device identifiers)
• Usage data (pages visited, features used, time spent, interaction patterns)
• IP address and approximate geographic location
• Referring URLs and search terms that led you to our Site
• Cookies and similar tracking technologies (see Section 6)

1.3 Information from third-party sources

We may receive information from third-party data providers that we integrate with to deliver our Services, including:

• Property data from ATTOM Data Solutions
• MLS listing data from MRED (Midwest Real Estate Data)
• Public records from Cook County, Illinois government databases
• Rental market data from Rentometer and similar providers

This third-party data relates to properties, not individuals, and is used solely to power the underwriting and analysis features of our platform.

2. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our Services
• Process your waitlist registration and communicate with you about our launch
• Generate real estate underwriting analyses, market comparisons, and risk assessments
• Improve, personalize, and expand our Services
• Communicate with you about updates, features, and support
• Monitor and analyze usage patterns and trends
• Detect, prevent, and address technical issues and security threats
• Comply with legal obligations and enforce our Terms of Service

3. How We Share Your Information

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

• Service providers: We share information with third-party vendors who assist us in operating our Services (cloud hosting, email delivery, analytics, payment processing). These providers are contractually obligated to use your information only as necessary to provide services to us.
• AI model providers: When you use our chat-based underwriting features, your queries are processed by third-party large language model providers (such as OpenAI or Anthropic). We take steps to minimize the personal information included in these queries, and we do not send personally identifiable information to LLM providers unless it is necessary to process your request. Property addresses and financial data related to real estate transactions may be transmitted.
• Legal requirements: We may disclose your information if required by law, regulation, legal process, or governmental request.
• Business transfers: In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction.
• With your consent: We may share your information for other purposes with your explicit consent.

4. AI-Specific Disclosures

Zourse uses artificial intelligence, including large language models, to power its real estate analysis features. You should be aware of the following:

• LLM processing: Your text queries are sent to third-party AI providers for natural language processing. We use these providers under data processing agreements that restrict their use of your data.
• No training on your data: We do not use your personal data or proprietary documents to train or fine-tune AI models without your explicit consent.
• Deterministic outputs: All financial calculations (cap rates, DSCR, IRR, etc.) are computed by our own verified software, not generated by AI models. The AI assists with reasoning and synthesis only.
• Audit logging: Every AI interaction, tool call, and output is logged in our audit system for quality assurance, debugging, and compliance purposes. These logs are retained for seven (7) years.
• Human review: AI-generated outputs should not be treated as professional financial, legal, or investment advice. Users are responsible for independently verifying all information before making financial decisions.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide our Services. Specifically:

• Waitlist registration data: retained until you request deletion or until we no longer need it for communication purposes
• Account data: retained for the duration of your account plus 30 days after deletion
• Conversation and underwriting data: retained for the duration of your account, exportable upon request
• Audit logs: retained for seven (7) years to meet compliance requirements
• Cached property data: automatically purged after 24 hours (property records) or 12 hours (comparable sales data)

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience. These include:

• Essential cookies: Required for the Site to function (authentication, session management)
• Analytics cookies: Help us understand how visitors use our Site (we use privacy-focused analytics tools)
• Preference cookies: Remember your settings and preferences

You can control cookie preferences through your browser settings. Disabling certain cookies may limit your ability to use some features of our Services.

7. Data Security

We implement appropriate technical and organizational measures to protect your information, including:

• Encryption in transit (TLS 1.3) and at rest (AES-256)
• Multi-tenant data isolation at the database level
• Access controls and authentication requirements
• Regular security assessments and vulnerability scanning
• Secrets management with no credentials stored in code repositories

No method of transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of 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 retention requirements
• Portability: Request a copy of your data in a machine-readable format
• Opt-out: Unsubscribe from marketing communications at any time by clicking the unsubscribe link in any email

To exercise any of these rights, contact us at femi@zourse.ai.

9. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale of personal information. We do not sell personal information. To exercise your CCPA rights, contact us at femi@zourse.ai.

10. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will take steps to delete that information promptly.

11. International Data Transfers

Our Services are operated in the United States. If you access our Services from outside the United States, your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your jurisdiction.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our Site with a revised effective date. Your continued use of our Services after such changes constitutes acceptance of the updated policy.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at:

Zourse, Inc.
Chicago, IL
femi@zourse.ai
zourse.ai