Privacy Policy

OWNI.ai ("OWNI", "we", "our", or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, platform, and related services (collectively, the "Services").

By using OWNI.ai, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect information that you voluntarily provide to us, as well as information collected automatically when you use our Services.

Personal Information

This may include:

• Full name
• Email address
• Phone number
• Date of birth
• Location or city of residence
• Profile photo (if provided)
• Account login credentials

Financial and Qualification Information

Because OWNI.ai connects individuals for real estate co-ownership opportunities, we may collect information related to financial eligibility, including:

• Income range
• Employment information
• Mortgage pre-approval status
• Estimated purchasing budget
• Investment preferences

OWNI.ai does not directly provide mortgage approvals and may rely on third-party partners for financial verification.

Platform Usage Information

We may automatically collect:

• IP address
• Device type
• Browser type
• Pages visited
• Time spent on the platform
• Interaction with profiles and matches

This information helps us improve the user experience and platform performance.

2. How We Use Your Information

We use your information to:

• Create and manage your OWNI account
• Match you with potential co-purchasing partners
• Facilitate communication between matched users
• Verify eligibility for real estate participation
• Improve platform functionality and user experience
• Communicate updates, service notifications, or support responses
• Prevent fraud, misuse, or security issues
• Comply with legal and regulatory requirements

We may also use aggregated and anonymized data to improve our services and analyze market trends.

3. How Matching Works

Certain profile information may be visible to other users in order to facilitate potential co-purchasing matches.

Visible information may include:

• First name
• City or region
• Budget range
• Property goals
• Investment timeline
• Profile description

Sensitive financial information (such as exact income or documents) is not shared with other users without your explicit consent.

4. Sharing of Information

We do not sell your personal information.

We may share information with:

Service Providers

Third-party providers that support our operations, including:

• Cloud hosting providers
• Analytics services
• Identity verification providers
• Mortgage or financial service partners (if you choose to connect with them)

Legal Requirements

We may disclose information if required to:

• Comply with applicable laws
• Respond to legal requests
• Protect the safety and security of users
• Prevent fraud or misuse of the platform

5. Data Storage and Security

We implement reasonable technical and organizational safeguards designed to protect personal information.

These may include:

• Secure data storage
• Encryption of sensitive data
• Access controls
• Secure authentication systems

However, no online platform can guarantee absolute security.

6. Data Retention

We retain personal information only as long as necessary to:

• Provide our services
• Maintain user accounts
• Comply with legal obligations
• Resolve disputes

You may request deletion of your account and personal information at any time, subject to legal retention requirements.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your data
• Withdraw consent for certain processing activities

To exercise these rights, contact us at: info@owni.ai

8. Cookies and Tracking Technologies

OWNI.ai uses cookies and similar technologies to:

• Improve website functionality
• Analyze user behavior
• Personalize the user experience

You may adjust your browser settings to refuse cookies, though some platform features may not function properly.

9. Third-Party Links and Services

Our platform may contain links to third-party services such as:

• Mortgage providers
• Real estate professionals
• Financial service platforms

OWNI.ai is not responsible for the privacy practices of these third parties. Users are encouraged to review their privacy policies.

10. Children's Privacy

OWNI.ai services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from minors.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically. The updated version will be posted on our website with the revised "Last Updated" date.

Continued use of the Services after updates constitutes acceptance of the revised policy.

12. Contact Us

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