Privacy Policy

1. Information We Collect

1.1 Information You Provide to Us

We collect information directly from you when you apply for membership, complete your profile, or interact with the Services, including:

• Full name, email address, phone number, and mailing address
• Brokerage name, broker of record, and licensing details
• Transaction history, annual volume, and gross commission data
• Territory preferences and geographic market information
• Payment and billing information processed through Stripe

1.2 Information Collected Automatically

When you access the Services, we may automatically collect:

• Device information: IP address, browser type, operating system, and device identifiers
• Usage data: date and time of access, pages viewed, features used, and activity logs
• Cookies and tracking technologies to enhance your experience, remember preferences, and analyze usage trends

1.3 Information from Third Parties

We may collect information about you from third parties, such as:

• MLS-derived data providers for transaction volume verification
• Members who submit referrals or provide feedback
• Publicly available sources or licensed data providers

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the Services
• Facilitate referral routing and track referral status
• Process membership dues and manage billing through Stripe
• Verify applicant eligibility through transaction volume data
• Communicate with you, including updates, notifications, and administrative messages
• Ensure compliance with applicable laws, including PIPEDA, CCPA, and other relevant regulations
• Analyze usage trends and improve network performance
• Prevent fraud, unauthorized access, or harmful activities

3. How We Share Your Information

3.1 With Other Members

To facilitate referrals, members may access certain professional information (e.g., name, brokerage, contact details, and territory) when a referral is submitted to or received from their territory.

3.2 With Service Providers

We engage third-party vendors to assist with services such as payment processing, data analysis, and infrastructure support. These providers are contractually bound to handle your data securely and only for specified purposes.

3.3 For Legal and Compliance Purposes

To comply with legal obligations, enforce our Terms, or protect the rights, property, and safety of EARN, our members, or others.

3.4 In Connection with Business Transactions

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

4. Data Security

We implement appropriate technical and organizational measures to protect your information against unauthorized access, loss, or misuse. Despite these precautions, no data transmission or storage system can be guaranteed as completely secure.

5. Your Rights Under Applicable Laws

5.1 Canada (PIPEDA)

• Access and Correction: You have the right to access and correct your personal information
• Data Transfers: If your data is transferred outside Canada, we will ensure appropriate safeguards
• Breach Notification: We will notify you and relevant authorities of any data breach where required

5.2 United States (CCPA, CPRA)

• Right to Know: California residents can request information about the personal data collected and its use
• Right to Delete: You can request the deletion of your personal data, subject to certain exceptions
• Right to Opt-Out: California residents may opt out of the sale of their personal data. EARN does not sell personal data; this right is explicitly acknowledged
• Do Not Track: We respond to browser "Do Not Track" signals where required by law

5.3 General Rights (Applicable to All Members)

• Portability: You may request a copy of your data in a portable format
• Deletion: Subject to legal and contractual obligations, you may request the deletion of your personal information
• Opt-Out of Marketing: You can opt out of promotional communications while still receiving transactional or administrative messages

6. International Data Transfers

Your information may be processed and stored in countries outside of your own, including Canada and the United States, where data protection laws may differ. By using the Services, you consent to such transfers and acknowledge that adequate safeguards will be in place.

7. Retention of Information

We retain your information for as long as necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce agreements. When information is no longer required, we securely delete or anonymize it.

8. Children's Privacy

The 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 such information, we will take steps to delete it.

9. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Continued use of the Services after such changes constitutes your acceptance of the updated policy.