Privacy Policy

1. Introduction

At Pied Piper Group LLC ("PPG," "we," "our," or "us"), we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, store, and safeguard your information when you visit our website at piedpipergroup.com, use our platform, or interact with our services (collectively, the "Platform"). This policy applies to all users of our Platform, including prospective buyers, property owners, investors, and visitors. By using our Platform, you consent to the practices described in this Privacy Policy.

2. Information We Collect

We collect several categories of information to provide and improve our services:

• Personal identifiers: Full name, email address, phone number, mailing address, date of birth
• Financial information: Income details, employment history, credit-related information provided during qualification, bank account details for payment processing
• Identity verification: Government-issued ID numbers, Social Security Number (for qualification purposes only), documentation for identity verification
• Account data: Username, password (encrypted), account preferences, communication history
• Property preferences: Desired property type, location preferences, budget range, ownership program interest
• Device and usage data: IP address, browser type and version, operating system, device identifiers, pages visited, time spent on pages, referral URLs, click patterns
• Cookies and tracking technologies: Session cookies, persistent cookies, pixel tags, and similar technologies (see Section 9)
• Communications: Messages sent through our Platform, emails, phone call records, chat transcripts with advisors

3. How We Collect Information

We collect information through the following methods:

• Directly from you: When you register an account, complete qualification forms, apply for properties, contact our team, subscribe to communications, or submit inquiries
• Automatically: Through cookies, server logs, and similar technologies when you browse or interact with our Platform
• From third parties: Credit reporting agencies (with your consent), financing partners, identity verification services, property data providers, and public records
• From your device: Through browser settings, location services (if enabled), and device characteristics

4. How We Use Your Information

We use the information we collect for the following purposes:

• Provide, operate, and maintain our Platform and services
• Process your qualification applications and property transactions
• Verify your identity and assess eligibility for ownership programs
• Facilitate financing through our lending and mortgage partners
• Communicate with you about properties, applications, account updates, and services
• Send you marketing communications (with your consent, where required)
• Improve and personalize your experience on the Platform
• Analyze usage patterns to improve our services and develop new features
• Detect, investigate, and prevent fraudulent or unauthorized activity
• Comply with legal obligations, including regulatory requirements and law enforcement requests
• Enforce our Terms of Service and other agreements
• Coordinate property management services including insurance, maintenance, and homeowner support

5. How We Share Your Information

We may share your information with the following categories of third parties:

• Financing partners: Mortgage lenders, FHA/conventional loan processors, and DSCR financing providers to facilitate property ownership transitions
• Service providers: Property management companies, insurance providers, maintenance contractors, title companies, and escrow agents
• Technology providers: Cloud hosting services, email delivery platforms, analytics providers, and customer support tools
• Legal and compliance: Law enforcement agencies, regulatory bodies, courts, or other government entities when required by law or to protect our rights
• Business transfers: In connection with a merger, acquisition, reorganization, or sale of assets, your information may be transferred as a business asset
• With your consent: Any other third party where you have provided explicit consent

We do not sell your personal information to third parties for their marketing purposes. We do not share your Social Security Number or financial information except as necessary to process your qualification and facilitate financing.

6. 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. For active accounts, we retain your information for the duration of your account and any active property agreements. For inactive accounts, we may retain information for up to seven (7) years to comply with legal, tax, and regulatory obligations. You may request deletion of your information as described in Section 8.

7. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of sensitive data in transit and at rest, secure server infrastructure, access controls, regular security assessments, and employee training on data protection. However, no method of electronic transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

8. Your Privacy Rights

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

• Right to access: Request a copy of the personal information we hold about you
• Right to correction: Request correction of inaccurate or incomplete personal information
• Right to deletion: Request deletion of your personal information, subject to certain legal exceptions
• Right to opt out: Opt out of receiving marketing communications at any time
• Right to data portability: Request your data in a structured, machine-readable format
• Right to non-discrimination: We will not discriminate against you for exercising your privacy rights
• Right to know: Request information about the categories of personal information collected, the purposes for collection, and the categories of third parties with whom information is shared

To exercise any of these rights, contact us at [email protected] or call (224) 203-2486. We will respond to verified requests within 45 days. We may request additional information to verify your identity before processing your request.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Essential cookies: Maintain your session, remember login status, and ensure Platform security
• Functional cookies: Remember your preferences and settings
• Analytics cookies: Understand how visitors interact with our Platform to improve performance and user experience
• Marketing cookies: Deliver relevant advertisements and measure campaign effectiveness

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect Platform functionality. We honor "Do Not Track" browser signals where technically feasible.

10. State-Specific Privacy Rights

Additional rights may apply based on your state of residence:

• Illinois residents: Under the Illinois Personal Information Protection Act (PIPA), you have the right to be notified of data breaches affecting your personal information. We comply with all PIPA notification requirements.
• California residents: Under the California Consumer Privacy Act (CCPA/CPRA), you have additional rights including the right to know what personal information is collected, the right to delete, the right to opt out of the sale of personal information, and the right to non-discrimination. To submit a CCPA request, email [email protected].
• Other states: We comply with applicable state privacy laws. Contact us if you have questions about your specific rights.

11. Children's Privacy

Our Platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly. If you believe we have collected information from a child under 18, please contact us at [email protected].

12. Third-Party Links and Services

Our Platform may contain links to third-party websites, services, or applications, including financing partners, insurance providers, and property services. This Privacy Policy does not apply to third-party services. We are not responsible for the privacy practices of third parties. We encourage you to read the privacy policies of any third-party services you access through our Platform.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. If we make material changes, we will notify you by posting the updated policy on the Platform, updating the "Last Updated" date, and, where required by law, providing additional notice such as email notification. Your continued use of the Platform after the effective date of changes constitutes your acceptance of the revised Privacy Policy.