Borderless Brokers Privacy Policy in Compliance with eXp World Holdings, Inc.

Effective: January 1, 2023

This eXp World Holdings, Inc. Privacy Policy and Data Processing Policy (this “Privacy Policy”) reflects global privacy practices and standards for eXp World Holdings, Inc. and those of its subsidiaries listed here as of the effective date.

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I want to know about:

How to exercise my privacy rights

How to ask a privacy question

What data you collect about me

Why you process data about me

How you share data about me

How you transfer data across country borders

How you transfer data as a result of change in company control

How you keep and secure my data

How I can review and correct my personal information

My rights based on my geographic location

How to contact you or file a complaint

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To Whom This Privacy Policy Applies

This Privacy Policy applies to all users of the eXp Sites and Services, as defined below, eXp real estate agents, Consultants (as defined below) and eXp employees. If you reside in a geographic area that grants you additional rights and/or imposes additional obligations on eXp, eXp has supplemental privacy policies for such geographic areas that describe your privacy rights and our collection, use, and disclosure of your Personal Information. Please see our disclosures in this Privacy Policy regarding your rights based on your geographic location. A user is any visitor to the eXp Sites (“User”).

Who We Are

eXp World Holdings, Inc. (“EXPI”) is a holding company for a technology enabled global real estate business headquartered at 2219 Rimland Drive, Ste. 301, Bellingham, WA 98226. EXPI operates through various business entities, including its subsidiaries listed here (“Listed Subsidiaries”). Within this policy document, EXPI together with its Listed Subsidiaries are referred to collectively as “eXp.” The EXPI family of companies also includes other subsidiaries and joint ventures which are governed by their own terms and privacy policies, like Zoocasa Realty, Inc., eXp World Technologies, LLC d/b/a Virbela, SUCCESS Enterprises, LLC, Showcase IDX, and SUCCESS Lending LLC. You may visit their respective websites for more information about each of these entities.

eXp World Holdings, Inc. is committed to protecting your privacy. This Privacy Policy defines the Personal Information and Usage Information (each as defined below) that we collect and describes how that information is collected, stored, used, and shared. This Privacy Policy also describes your choices regarding our use of that information, the steps we take to protect your Personal Information and how you can review and correct your Personal Information.

If you have a privacy question, you may contact our Privacy Officer any time at [email protected]. You may also submit an inquiry to our Privacy Officer. We appreciate the opportunity to address your questions and concerns.

Our Data Values

At eXp, privacy is a priority.

Purpose driven. We only collect, use, and share the information we need to provide and operate our solutions and to help our customers have the best experience with our staff, our Services, and our third-party solution providers.
Responsible use. We help to promote responsible data use and stewardship among the agents, businesses, and suppliers we engage with around the world.
Transparent use. eXp’s primary business is our cloud based real estate brokerage. We know that certain information is required for us to provide our Services and help you with real estate transactions. Our goal is to design our products and systems with your expectations in mind, including how we use your data and enable our service providers to use your data.

Data Rights

Depending on the geographic location in which you reside, you may have rights related to our data processing. If you reside in a geographic location that provides you specific data rights, you may exercise those rights through our Individual Rights form, subject to applicable law, including eXp’s own legal obligations for our data processing activities. If you complete our individual rights form we will respond in accordance with applicable law and we may need you to provide additional information to verify your request to prevent fraudulent actors from trying to abuse the individual rights requests to obtain your personal information.

Please visit the corresponding section in this Privacy Policy regarding your geographic location based rights if applicable, to learn more.

What This Privacy Policy Covers

This Privacy Policy applies to information collected from you through any of our web pages or mobile applications (singularly, an “eXp Site,” and collectively, the “eXp Sites”), and through any offering, events, services, and/or programs we offer, whether online or offline, including the real estate brokerage services (“Real Estate Services” and collectively with all other offerings, the “Services”). This Privacy Policy also applies to information concerning individuals that engage our independent contractor real estate agents to receive Services (“Clients”), including Client information we receive as part of the Services from our independent contractor eXp real estate agents and real estate brokers (“Agents”). Please note, our Agents process certain Personal Information on our behalf when you contract with eXp to receive the Services, but Agents may have their own data collection practices related to their independent business operations. This Privacy Policy is not applicable to any web page, mobile application, social media site, or information collected and/or owned by any entity other than eXp. Any questions regarding the privacy practices of a third party, including but not limited to any third-party website that links to the Services, should be directed to that third-party.

eXp works with its joint venturers, with service providers (individuals and businesses) that eXp has an ownership stake in (collectively, “Affiliates”), Agents, and third-party service providers that are not affiliated with eXp (collectively, “Independent Third Parties”) to provide our Services and special virtual events and in-person events to which you register to attend (collectively, “eXp Events”). eXp Events may be sponsored by one or more Affiliates and/or Independent Third Parties. This Privacy Policy is applicable to information collected from you when you register for an eXp Event; however, the collection, use, and disclosure of Personal Information obtained from you during each eXp Event may be governed by a separate, supplemental eXp Event-specific attendee terms and conditions (“Attendee Terms”). To the extent that the Attendee Terms and this Privacy Policy conflict, the Attendee Terms shall govern.

By accessing or contracting with eXp for the Services or using the eXp Sites, you are consenting to the information collection and use practices described in this Privacy Policy.

What Information We Collect About You

The data we collect, use, process, and share about you depends on who you are and how we interact with you. Generally, Personal Information is data that identifies you or that makes you identifiable. It includes data that could be used to identify, locate, track or contact you, as more fully specified below.

Types of Information Collected

eXp, and any third party we engage for the purpose of administering, operating, hosting, configuring, designing, maintaining, and providing internal support for the Services, may collect two types of information when you use the Services: Personal Information and Usage Information. Personal Information may include some Usage Information.

1. Personal Information: Generally, you can access the eXp Sites without entering any Personal Information. In certain cases, we may ask you for Personal Information on eXp Sites to provide a requested service or carry out a transaction that you have requested, or if you choose to set up a User Account (defined below). When we provide you Real Estate Services, we are required to collect certain Personal Information. The types of information we collect may include, among other things, the following categories of information (collectively, “Personal Information”):

If you are an eXp Agent, business partner, or have expressed an interest in becoming an eXp Agent or business partner:	If you are a Client and/or visitor to the eXp Sites or otherwise use the Services we provide:	If you are an employee, consultant providing staff support services (“Consultant”), job applicant, or former employee:
Contact information such as your name, title, company/agency name, email address, username and password, telephone and facsimile numbers, real estate license number, and postal address.	Contact information such as your name, title, company/agency name, email address, username and password, telephone and facsimile numbers, and postal address	Contact information such as your name, title, company/agency name, email address, username and password, telephone and facsimile numbers, professional licensing information, and postal address
Demographic information such as date of birth, nationality and country of residence.	Demographic information such as date of birth, nationality and country of residence.	Demographic information such as date of birth, nationality and country of residence.
Your company name, title, and other information about your company and job function.	The specific products or services ordered or requested by you, including the Real Estate Services, and information related to your purchases or transactions, including but not limited to your payment account information and feedback about the products or services you purchased.	Information about your role with eXp and performance, and Personally Identifiable Information obtained from our computer monitoring software, including communications received and sent, and information entered into websites, software, documents, and applications.
The contents of any communication you send us.	The contents of any communication you send us.	The contents of any communication you send us.
Information about your device or use of the Services when you request technical support or access eXp internal systems and networks.	Information about your device or use of the Services when you request technical support.	Information about your device or use of the Services when you request technical support and perform your duties as an employee or Consultant.
Information necessary to issue you commission payments and tax forms, as applicable, including but not limited to your Social Security Number and financial account numbers.		Information necessary to employ or contract with you, including but not limited to your Social Security Number and financial account numbers.
Other information specific to you which you voluntarily provide to us such as Event registration information.	Other information specific to you which you voluntarily provide to us such as Event registration information.	Other information specific to you which you voluntarily provide to us such as Event registration information.

If you choose not to provide certain information, we may not be able to provide the requested service or complete your transaction.

2. Usage Information: The types of usage information we collect may contain information about your visit to the eXp Site, such as the following categories of information (collectively, “Usage Information”):

Internet Protocol (or “IP”) address, protocol, and sequence information;
browser language and type;
domain name system requests;
material and pages viewed;
time and date of access to the eXp Site and Services;
number of bytes transferred;
number of clicks per visit;
operating system and platform, device type, and device identifiers;
hypertext transfer protocol headers, application client and server banners, and operating system fingerprinting data; and
MAC address, device ID / UDID, or similar device-specific code.

If you have a User Account, we may combine your Usage Information with Personal Information we hold about you. We collect Usage Information using the following technologies:

Cookies: From time to time, we may use “cookies” to keep track of your visit to and use of the Services. Cookies are small files that websites save to your hard disk or to your browser’s memory. We may use them to track the number of times you have visited the site, to track the number of visitors to the eXp Sites, to determine and analyze your use of the Services, to store information that you provide such as your preferences, and to store technical information useful for your interactions with our websites. We may use session cookies (cookies that are deleted when your browser session ends) to store your User Account, elements of your user profile, to facilitate your movement around the Services (particularly in connection with information searches and requests for more information about the Services) and other information useful in administering the session. You have the ability to accept or decline most cookies, but some cookies may be required for us to administer the Services or be aware of your cookie preferences. You may view your preferences and confirm your selections when you first visit the eXp Sites and at any time thereafter by clicking the “cookie preferences” button at the bottom left of each page of the eXp Sites. If you choose not to allow functional and/or advertising cookies, the eXp Sites or Services may not operate as expected.
Web Analytics: eXp uses industry standard third-party web analytics providers to track visits to the eXp Sites and usage of the Services. We use web analytics data to monitor performance of the Services, improve the Services, detect fraud, and detect security incidents.
Web Beacons: Some of our web pages and electronic communications may contain images, which may or may not be visible to you, known as web beacons (sometimes referred to as ‘clear gifs’). Web beacons collect only limited non-personal information that includes a cookie number; time and date of a page view; and a description of the page on which the web beacon resides. We may include web beacons in promotional email messages or newsletters in order to determine whether messages have been opened and acted upon. We may place, and allow certain third parties to place, technological tools, such as tags and beacons, or code scripts that are primarily used to track visitors’ activities on the eXp Sites by web analytics software, IP addresses, and other tools, to collect your data for the purposes listed in this Privacy Policy.

Unique Identifier: We may assign you a unique internal identifier to help keep track of your future visits. We use this information to gather aggregate demographic information about our visitors, and we use it to personalize the information you see on the eXp Sites and some of the electronic communications you receive from us. We keep this information for our internal use, and this information is not shared with others.

How We Collect Information About You

How we collect information from you depends on how you interact with us. Please note that you can interact with eXp in more than one way. In that case, how we collect information from you may be addressed in multiple columns in the table below.

If you are an eXp Agent, business partner, or have expressed an interest in becoming an eXp Agent or business partner:	If you are a Client and/or visitor to the eXp Sites or use the Services we provide:	If you are an employee, Consultant, job applicant, or former employee:
If you wish to be affiliated with eXp as an Agent, we must collect some Personal Information from you to process your application. We may create a file about you combining the Personal Information we collect about you with non-personal information, such as your real estate sales history. We collect the following Personal Information about you in our application process: when you apply to be an Agent at eXp, we collect information including, but not limited to, your name, address, phone number, email address, real estate license number, real estate license record, work history, educational background and academic degrees or certificates earned, and any other information on your resume or application; when you become an Agent at eXp, in addition to the above Personal Information we also collect your date of birth, social security number or other government-issued identification number, emergency contact information, and information necessary for the payment of commission and revenue share under our Revenue Share Plan (as such term is defined in your Independent Contractor Agreement (“ICA”)), incorporated into this Privacy Policy by reference, as well as information about your affiliation with eXp, such as your start date, title, and Contractor Dollar Amount (as such term is defined in your ICA); as part of your continued affiliation with eXp, we collect information about your performance reviews, evaluations, complaints, and related to your affiliation, such as your communications with eXp executives; we may receive Personal Information from you from third parties, such as your state real estate authority; and any time you voluntarily provide Personal Information to us. In the course of using our services, we may ask you to provide business information related to the company where you work. Business information may include information about your company’s practices, policies, processes, and supporting documentation. This business information is stored on eXp systems, and we use it to provide the solutions you have contracted us to provide and in accordance with the terms and conditions set forth in agreements between eXp and your company. Usage Information collected when you complete your application online or visit the eXp Sites.	When you use the eXp Sites and Services, we collect the following Personal Information about you: Some eXp Sites may allow you to set up accounts to participate in our Services and online communities (your “User Account”). When you setup a User Account, we collect your name, email address, phone number, , and any information you voluntarily enter for a particular property, such as to request a showing, complete the property scorecard, or enter notes for a particular property on an eXp Site; when you use our Services, we may collect your name, address, email address, phone number, and the specific services you have requested; when you complete a form on the eXp Site, ask to sign up for our mailings or updates, or send us a communication, we may collect your name, email address, phone number, and the specific contents of your communication to us. For example, if you send us a question about a particular property, we may retain a copy of your request; if you interact with us on social media, we may collect your social media account username and the contents of your interaction with us; and from our Agents, partners or service providers we may receive your name, email address, phone number, information you enter to search for properties or agents, your User Account information, and any other information you voluntarily provide to our partners or service providers. When you visit the eXp Sites, we also collect Usage Information from your device .	If you are employed by or contract with eXp as a Consultant, or if you have applied for employment or are a former employee or Consultant of eXp, we collect the following Personal Information about you: When you submit an application or a resume, we collect your name, mailing, address, phone number, email address, employment history, education experience, academic agrees earned, if any, professional certifications and licenses, and any other Personal Information you include on the application or resume; Prior to making an offer of employment or a Consultant position, we collect Personal Information about you received from third parties such as background and credit report service providers and persons you list as references. If we extend an offer of employment or a Consultant position at eXp to you, we will process Personal Information about the position to which you have been appointed, your job title at eXp, your signature, state of residence, social security number or other government issued identification number, and any other information required for your applicable tax form. As an ongoing employee or Consultant of eXp, we may collect Personal Information about your nationality, state of residence, email address, office or other workplace location, work phone number, mobile phone number, photographs, passport, visas, marital status, beneficiaries, financial account information, information about your employment or contract with eXp, , information received from devices you use to connect to eXp systems, our employee computer monitoring software, information collected as part of multi-factor authentication, and other information you provide in connection with your status as an employee or Consultant of eXp. Usage information collected when you connect to eXp systems and/or the eXp Sites, whether or not you are using an eXp owned device.

If you are an eXp Agent, business partner, or have expressed an interest in becoming an eXp Agent or business partner:

If you are a Client and/or visitor to the eXp Sites or use the Services we provide:

If you are an employee, Consultant, job applicant, or former employee:

If you wish to be affiliated with eXp as an Agent, we must collect some Personal Information from you to process your application. We may create a file about you combining the Personal Information we collect about you with non-personal information, such as your real estate sales history.

We collect the following Personal Information about you in our application process:

when you apply to be an Agent at eXp, we collect information including, but not limited to, your name, address, phone number, email address, real estate license number, real estate license record, work history, educational background and academic degrees or certificates earned, and any other information on your resume or application;
when you become an Agent at eXp, in addition to the above Personal Information we also collect your date of birth, social security number or other government-issued identification number, emergency contact information, and information necessary for the payment of commission and revenue share under our Revenue Share Plan (as such term is defined in your Independent Contractor Agreement (“ICA”)), incorporated into this Privacy Policy by reference, as well as information about your affiliation with eXp, such as your start date, title, and Contractor Dollar Amount (as such term is defined in your ICA);
as part of your continued affiliation with eXp, we collect information about your performance reviews, evaluations, complaints, and related to your affiliation, such as your communications with eXp executives;
we may receive Personal Information from you from third parties, such as your state real estate authority; and
any time you voluntarily provide Personal Information to us.
In the course of using our services, we may ask you to provide business information related to the company where you work. Business information may include information about your company’s practices, policies, processes, and supporting documentation. This business information is stored on eXp systems, and we use it to provide the solutions you have contracted us to provide and in accordance with the terms and conditions set forth in agreements between eXp and your company.
Usage Information collected when you complete your application online or visit the eXp Sites.

When you use the eXp Sites and Services, we collect the following Personal Information about you:

Some eXp Sites may allow you to set up accounts to participate in our Services and online communities (your “User Account”). When you setup a User Account, we collect your name, email address, phone number, , and any information you voluntarily enter for a particular property, such as to request a showing, complete the property scorecard, or enter notes for a particular property on an eXp Site;
when you use our Services, we may collect your name, address, email address, phone number, and the specific services you have requested;
when you complete a form on the eXp Site, ask to sign up for our mailings or updates, or send us a communication, we may collect your name, email address, phone number, and the specific contents of your communication to us. For example, if you send us a question about a particular property, we may retain a copy of your request;

if you interact with us on social media, we may collect your social media account username and the contents of your interaction with us; and
from our Agents, partners or service providers we may receive your name, email address, phone number, information you enter to search for properties or agents, your User Account information, and any other information you voluntarily provide to our partners or service providers.

When you visit the eXp Sites, we also collect Usage Information from your device .

If you are employed by or contract with eXp as a Consultant, or if you have applied for employment or are a former employee or Consultant of eXp, we collect the following Personal Information about you:

When you submit an application or a resume, we collect your name, mailing, address, phone number, email address, employment history, education experience, academic agrees earned, if any, professional certifications and licenses, and any other Personal Information you include on the application or resume;
Prior to making an offer of employment or a Consultant position, we collect Personal Information about you received from third parties such as background and credit report service providers and persons you list as references.
If we extend an offer of employment or a Consultant position at eXp to you, we will process Personal Information about the position to which you have been appointed, your job title at eXp, your signature, state of residence, social security number or other government issued identification number, and any other information required for your applicable tax form.
As an ongoing employee or Consultant of eXp, we may collect Personal Information about your nationality, state of residence, email address, office or other workplace location, work phone number, mobile phone number, photographs, passport, visas, marital status, beneficiaries, financial account information, information about your employment or contract with eXp, , information received from devices you use to connect to eXp systems, our employee computer monitoring software, information collected as part of multi-factor authentication, and other information you provide in connection with your status as an employee or Consultant of eXp.
Usage information collected when you connect to eXp systems and/or the eXp Sites, whether or not you are using an eXp owned device.

How We Use the Collected Information

We will only use your Personal Information for the purposes for which it was collected, unless otherwise required by law.

If you are an eXp Agent, business partner, or if you have expressed an interest in becoming an eXp Agent or business partner:	If you are a Client and/or visitor to the eXp Sites or use the Services we provide:	If you are an employee, Consultant, job applicant, or former employee:
We use the Personal Information we collect about you in order to continue your affiliation with eXp. Specifically, we use Personal Information to: consider you for continued affiliation with eXp; associate your real estate license with eXp; provide commission, revenue share, or other payments to you; offer you EXPI stock ownership; forward potential leads to you; manage our business; communicate with you about eXp-related business or services; send you promotional and other information about existing and new services, products, and special offers of eXp, our Affiliates, and Independent Third Parties; review and report your real estate sales performance, including publishing agent performance rankings; offer training and other resources to you; respond to your requests or complaints; comply with our obligations as your brokerage; Detect security incidents; prevent fraud; and comply with applicable law.	We use the Personal Information we collect about you in order to make the eXp Sites and Services available to you. Specifically, we use Personal Information to: set up and manage your User Account, including processing your requests for information, provide support, products, or services to you, review internal procedures, analyze your use of the Services, and/or customize the Services to your particular preference or interests; deliver services or carry out transactions you have requested or in which you may be interested, such as to set up a showing for a particular property or provide property listings that meet your search criteria; send you promotional and other information about existing and new services, products, and special offers of eXp, our Affiliates, and Independent Third Parties using Personal Information you provide to us, our Affiliates, or Independent Third Parties; information collected by our eXp Sites may be combined with information we collect about you by other means; enhance the safety and security of the eXp Site and Services, prevent fraud, monitor for intrusions or unauthorized access, and protect the rights of visitors to the eXp Site and users of the Services; and comply with legal and regulatory obligations or for the performance of our contract with you, if applicable.	We use the Personal Information you provide to us to: process your job application; consider you for employment; extend an offer of employment or consultant position; provide employment-related benefits to you, if applicable; consider you for continued employment; evaluate your performance; manage our business; process the discontinuation of your relationship with eXp; detect fraud and security incidents; fulfill our employment or contracting obligations to you; and comply with applicable law.
This Privacy Policy is not intended to place any limits on what we can do with information that is aggregated, anonymized, or de-identified so it is no longer associated with an identifiable individual.

If you are an eXp Agent, business partner, or if you have expressed an interest in becoming an eXp Agent or business partner:

If you are a Client and/or visitor to the eXp Sites or use the Services we provide:

If you are an employee, Consultant, job applicant, or former employee:

We use the Personal Information we collect about you in order to continue your affiliation with eXp. Specifically, we use Personal Information to:

consider you for continued affiliation with eXp;
associate your real estate license with eXp;
provide commission, revenue share, or other payments to you;
offer you EXPI stock ownership;
forward potential leads to you;
manage our business;
communicate with you about eXp-related business or services;
send you promotional and other information about existing and new services, products, and special offers of eXp, our Affiliates, and Independent Third Parties;
review and report your real estate sales performance, including publishing agent performance rankings;
offer training and other resources to you;
respond to your requests or complaints;
comply with our obligations as your brokerage;
Detect security incidents;
prevent fraud; and
comply with applicable law.

We use the Personal Information we collect about you in order to make the eXp Sites and Services available to you. Specifically, we use Personal Information to:

set up and manage your User Account, including processing your requests for information, provide support, products, or services to you, review internal procedures, analyze your use of the Services, and/or customize the Services to your particular preference or interests;
deliver services or carry out transactions you have requested or in which you may be interested, such as to set up a showing for a particular property or provide property listings that meet your search criteria;
send you promotional and other information about existing and new services, products, and special offers of eXp, our Affiliates, and Independent Third Parties using Personal Information you provide to us, our Affiliates, or Independent Third Parties;
information collected by our eXp Sites may be combined with information we collect about you by other means;
enhance the safety and security of the eXp Site and Services, prevent fraud, monitor for intrusions or unauthorized access, and protect the rights of visitors to the eXp Site and users of the Services; and
comply with legal and regulatory obligations or for the performance of our contract with you, if applicable.

We use the Personal Information you provide to us to:

process your job application;
consider you for employment;
extend an offer of employment or consultant position;
provide employment-related benefits to you, if applicable;
consider you for continued employment;
evaluate your performance;
manage our business;

process the discontinuation of your relationship with eXp;

detect fraud and security incidents;
fulfill our employment or contracting obligations to you; and
comply with applicable law.

This Privacy Policy is not intended to place any limits on what we can do with information that is aggregated, anonymized, or de-identified so it is no longer associated with an identifiable individual.

Disclosure of Your Personal Information

eXp engages its Affiliates and Independent Third Parties to perform certain business-related functions and services on our behalf. These Affiliates and Independent Third Parties are provided with information required to perform their specific function, which may include Personal Information. We impose contractual obligations on our Affiliates and Independent Third Parties to limit their use of your Personal Information to those purposes specified in the table below. Except as may be provided in any Attendee Terms, we do not sell your Personal Information, however we do share/disclose your information. We will not share/disclose your Personal Information outside of the context provided in the table below.

If you are an eXp Agent, business partner, or if you have expressed an interest in becoming an eXp Agent or business partner:	If you are a Client and/or visitor to the eXp Sites or use the Services we provide:	If you are an employee, Consultant, job applicant, or former employee:
eXp contracts with other entities or individuals to assist us with fulfilling our obligations to our Agents, and more generally, furthering the interests of our enterprises. We share your Personal Information with those entities and individuals in order to enable use of their services or to meet our responsibilities to you. We disclose your Personal Information to: third-parties that provide services on our behalf, including but not limited to our payment processors, email distributors, insurance providers, data security providers, system hosting and software providers, eXp Event coordinators, service providers, and sponsors, and training facilitators; potential sellers and purchasers of real property who are looking for an Agent; professional associations or organizations in which we hold membership, such as an MLS or Association of REALTORS®; our Affiliates and Independent Third Parties, for purposes of providing services on our behalf and marketing their products and services to you; and governmental agencies, including but not limited to the state real estate commissions in your jurisdiction.	We share Personal Information we collect during your use of the eXp Sites and Services to: Enable our software and service providers to provide information you requested, such as when you conduct a property search, use a mortgage calculator, or use other third-party features made available through the Services, or to confirm your identity when logging into your User Account; a local Agent or participating lender, if you have shown an interest in any residential or commercial real properties or requested information about a specific real property; our hosting providers may have access to any Personal Information you enter into the Services, such as your name, email address, phone number, and User Account information; our Affiliates and Independent Third Parties, for purposes of providing services on our behalf and marketing their products and services to you; we may disclose your name, address, and email address to our email or mailing service provider in order to deliver newsletters, flyers, or marketing to you. We require that these parties agree to process your Personal Information in compliance with our Privacy Policy and applicable law. These parties may store some or all of your Personal Information on servers outside of the United States. The use of your information by one of our Affiliates or Independent Third Parties may be subject to that party’s own privacy policy; we may disclose your Personal Information when we have reason to believe that someone is or may be causing injury to or interference with our rights or property, other users of the Services, or anyone else that could be harmed by such activities; we may also disclose your Personal Information for the specific purposes you request, as directed by you; we may disclose your Personal Information to our eXp Event service providers, event coordinators, and sponsors in connection with an eXp Event for which you registered; and our web analytics providers may have access to your Personal Information in order to analyze certain features of the Services.	We disclose your Personal Information only when necessary to fulfill our employment or contracting obligations to you as a Consultant, such as: our service providers that assist with fulfilling payroll or providing other employment benefits, processing payments, managing our insurance, and providing customer service; companies or individuals that will provide information for our consideration of your application for employment with eXp, such as background check service provider or persons you list as references; governmental authorities that manage employment or collect/process taxes; companies or individuals to whom you will provide services as part of your job or Consultant duties with eXp; and We may disclose your Personal Information to our eXp Event service providers, event coordinators, and sponsors in connection with an eXp Event for which you registered.
We may disclose your Personal Information to our database management provider in order to store your Personal Information for purposes set forth in this Privacy Policy. In certain situations, we may be required to disclose your Personal Information without your consent to: protect our rights; prevent or detect fraud or breaches of security; satisfy local, state, or federal laws; legal and governmental authorities and other third parties when compelled to do so by law, for example, by court order or subpoena, or by regulation; and complete a merger or acquisition concerning eXp, or a sale of our assets.

If you are an eXp Agent, business partner, or if you have expressed an interest in becoming an eXp Agent or business partner:

If you are a Client and/or visitor to the eXp Sites or use the Services we provide:

If you are an employee, Consultant, job applicant, or former employee:

eXp contracts with other entities or individuals to assist us with fulfilling our obligations to our Agents, and more generally, furthering the interests of our enterprises. We share your Personal Information with those entities and individuals in order to enable use of their services or to meet our responsibilities to you.

We disclose your Personal Information to:

third-parties that provide services on our behalf, including but not limited to our payment processors, email distributors, insurance providers, data security providers, system hosting and software providers, eXp Event coordinators, service providers, and sponsors, and training facilitators;
potential sellers and purchasers of real property who are looking for an Agent;
professional associations or organizations in which we hold membership, such as an MLS or Association of REALTORS®;
our Affiliates and Independent Third Parties, for purposes of providing services on our behalf and marketing their products and services to you; and
governmental agencies, including but not limited to the state real estate commissions in your jurisdiction.

We share Personal Information we collect during your use of the eXp Sites and Services to:

Enable our software and service providers to provide information you requested, such as when you conduct a property search, use a mortgage calculator, or use other third-party features made available through the Services, or to confirm your identity when logging into your User Account;
a local Agent or participating lender, if you have shown an interest in any residential or commercial real properties or requested information about a specific real property;
our hosting providers may have access to any Personal Information you enter into the Services, such as your name, email address, phone number, and User Account information;
our Affiliates and Independent Third Parties, for purposes of providing services on our behalf and marketing their products and services to you;
we may disclose your name, address, and email address to our email or mailing service provider in order to deliver newsletters, flyers, or marketing to you. We require that these parties agree to process your Personal Information in compliance with our Privacy Policy and applicable law. These parties may store some or all of your Personal Information on servers outside of the United States. The use of your information by one of our Affiliates or Independent Third Parties may be subject to that party’s own privacy policy;
we may disclose your Personal Information when we have reason to believe that someone is or may be causing injury to or interference with our rights or property, other users of the Services, or anyone else that could be harmed by such activities;
we may also disclose your Personal Information for the specific purposes you request, as directed by you;
we may disclose your Personal Information to our eXp Event service providers, event coordinators, and sponsors in connection with an eXp Event for which you registered; and
our web analytics providers may have access to your Personal Information in order to analyze certain features of the Services.

We disclose your Personal Information only when necessary to fulfill our employment or contracting obligations to you as a Consultant, such as:

our service providers that assist with fulfilling payroll or providing other employment benefits, processing payments, managing our insurance, and providing customer service;
companies or individuals that will provide information for our consideration of your application for employment with eXp, such as background check service provider or persons you list as references;
governmental authorities that manage employment or collect/process taxes;
companies or individuals to whom you will provide services as part of your job or Consultant duties with eXp; and
We may disclose your Personal Information to our eXp Event service providers, event coordinators, and sponsors in connection with an eXp Event for which you registered.

We may disclose your Personal Information to our database management provider in order to store your Personal Information for purposes set forth in this Privacy Policy.

In certain situations, we may be required to disclose your Personal Information without your consent to:

protect our rights;
prevent or detect fraud or breaches of security;
satisfy local, state, or federal laws;
legal and governmental authorities and other third parties when compelled to do so by law, for example, by court order or subpoena, or by regulation; and
complete a merger or acquisition concerning eXp, or a sale of our assets.

Choices with Your Personal Information

You may be able to choose how we use or store your Personal Information, depending on your interactions with us.

If you are an eXp Agent, business partner, if you have expressed an interest in becoming an eXp Agent or business partner:	If you are a Client and/or visitor to the eXp Sites or use the Services we provide:	If you are an employee, Consultant, job applicant, or former employee:
We must obtain some Personal Information from you in order to partner or affiliate with you. You can opt out of many uses or disclosures of your Personal Information, but we are obligated to process and store certain information under applicable law. If we do not have a legitimate need to retain or disclose your Personal Information and are no longer required by law to retain it, we will delete it at your request or in accordance with our data retention standards.	You are under no obligation to create a User Account, and you may access the eXp Sites and use some Services without submitting any Personal Information. You may also delete your User Account at any time. However, in the event your Personal Information is essential for us to provide certain products or services to you, like engaging in a contract for our Real Estate Services, we will be unable to provide you with those products or services if you choose to withhold requested Personal Information. For example, if you request information about a property but do not provide a means of contact, we will be unable to fulfill your request. Each advertising email communication we send includes an unsubscribe link allowing you to stop delivery of that type of communication. If you elect to unsubscribe, we will remove you from the relevant list within ten (10) business days. You may opt out of many disclosures or uses of your Personal Information by notifying us by email at the address provided herein or submitting an Individual Rights Request, or by following the procedures set forth in an electronic communication from us, if applicable. Please note that we may not be able to honor your request to opt-out of certain uses and disclosures of your Personal Information in order to fulfill our legal obligations or contractual obligations with you. Where applicable, we will undertake reasonable efforts to notify third parties with whom we have shared your Personal Information as permitted under this Privacy Policy of your election to opt out. If you do not opt out, we may continue to collect, use, and disclose your Personal Information as set forth in this Privacy Policy.	If you apply for a job or to be a Consultant with eXp, we will keep your Personal Information in our application database for future consideration unless you direct us not to do so. If you are a current employee or Consultant or a former employee or Consultant, we must obtain and retain some Personal Information in order to comply with our obligations or applicable law. When we no longer have a legitimate need to retain your Personal Information or are no longer required by law to retain your Personal Information, we will delete it in accordance with our data retention standards.
You may have additional choices regarding your Personal Information if you live in a particular jurisdiction. Please see the “Your Rights Based on Your Geographic Location” section of this Privacy Policy.

If you are an eXp Agent, business partner, if you have expressed an interest in becoming an eXp Agent or business partner:

If you are a Client and/or visitor to the eXp Sites or use the Services we provide:

If you are an employee, Consultant, job applicant, or former employee:

We must obtain some Personal Information from you in order to partner or affiliate with you. You can opt out of many uses or disclosures of your Personal Information, but we are obligated to process and store certain information under applicable law. If we do not have a legitimate need to retain or disclose your Personal Information and are no longer required by law to retain it, we will delete it at your request or in accordance with our data retention standards.

You are under no obligation to create a User Account, and you may access the eXp Sites and use some Services without submitting any Personal Information. You may also delete your User Account at any time.

However, in the event your Personal Information is essential for us to provide certain products or services to you, like engaging in a contract for our Real Estate Services, we will be unable to provide you with those products or services if you choose to withhold requested Personal Information. For example, if you request information about a property but do not provide a means of contact, we will be unable to fulfill your request.

Each advertising email communication we send includes an unsubscribe link allowing you to stop delivery of that type of communication. If you elect to unsubscribe, we will remove you from the relevant list within ten (10) business days.

You may opt out of many disclosures or uses of your Personal Information by notifying us by email at the address provided herein or submitting an Individual Rights Request, or by following the procedures set forth in an electronic communication from us, if applicable. Please note that we may not be able to honor your request to opt-out of certain uses and disclosures of your Personal Information in order to fulfill our legal obligations or contractual obligations with you.

Where applicable, we will undertake reasonable efforts to notify third parties with whom we have shared your Personal Information as permitted under this Privacy Policy of your election to opt out. If you do not opt out, we may continue to collect, use, and disclose your Personal Information as set forth in this Privacy Policy.

If you apply for a job or to be a Consultant with eXp, we will keep your Personal Information in our application database for future consideration unless you direct us not to do so.

If you are a current employee or Consultant or a former employee or Consultant, we must obtain and retain some Personal Information in order to comply with our obligations or applicable law. When we no longer have a legitimate need to retain your Personal Information or are no longer required by law to retain your Personal Information, we will delete it in accordance with our data retention standards.

You may have additional choices regarding your Personal Information if you live in a particular jurisdiction. Please see the “Your Rights Based on Your Geographic Location” section of this Privacy Policy.

“Do Not Track” Signals

Your browser settings may allow you to automatically transmit a “Do Not Track” signal to websites and online services you visit. There is no consensus among industry participants as to what “Do Not Track” means in this context. Depending on the nature of the “Do Not Track” signal, certain features of the eXp Sites and Services may not work as expected.

Age Requirements; Children’s Information

The eXp Site and Services are not intended for or designed to attract children under the age of thirteen (13), nor do we knowingly collect Personal Information of anyone under the age of thirteen (13). If we discover we have collected Personal Information of an individual under the age of thirteen (13), we will immediately delete such Personal Information. If you are the parent or legal guardian of a child under the age of 13 and you believe we are in possession of Personal Information of that child, please contact us using the individual rights request form.

By using the Services, you affirm that you are at least eighteen (18) years of age or the age of majority in your jurisdiction, or an emancipated minor, or possess parental or legal guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in this Privacy Policy, and to abide by and comply with this Privacy Policy.

How We Transfer Data Across Country Borders

The eXp Sites and the Services are operated primarily in the United States. If you are located outside of the United States, please be aware that any information you provide to us will be transferred to and stored in the United States, where the data protection laws may be different from those of your country of residence. If you are visiting the eXp Sites or requesting the Services from outside the United States, please note that we may collect, transfer, and continue to use your Personal Information outside of your country of residence for any of the purposes described in this Privacy Policy. When we transfer Personal Information across borders, the Listed Entities and our Affiliates are contractually obligated to ensure certain security measures are in place and the data use is limited to a specific purpose with regard to the cross-border transfer. By using the Services and providing us with your Personal Information, you consent to our collection, transfer, storage, and continued use of your Personal Information in accordance with this Privacy Policy.

How We Transfer Data as a Result of Change in Company Control

We reserve the right to transfer your Personal Information, as well as any information about or from you, in connection with the merger, sale, or other disposition of all or part of our business and/or assets. We cannot make any representations regarding the use or transfer of your Personal Information or other information that we may have in the event of our bankruptcy, reorganization, insolvency, receivership, or an assignment for the benefit of creditors. By providing any Personal Information, you expressly agree and consent to the use and/or transfer of your Personal Information or other information in connection with a sale or transfer of some or all of our assets in any of the above-described proceedings.

How We Keep and Secure Your Data

1. Commitment to Online Security: eXp intends to protect Personal Information and to maintain its quality. We use commercially reasonable technical, administrative, and physical safeguards and security measures designed to protect your Personal Information from unauthorized access, use, disclosure, loss, misuse, alteration, or destruction. We limit access to your Personal Information to those who have a genuine business need to access it. We have procedures in place designed to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so. eXp uses encryption when transmitting certain Personal Information, including cross-border data transfers. All User Account pages are protected with Secure Socket Layer (“SSL”) encryption.

2. Security of Username/Password: You are ultimately responsible for safeguarding and ensuring the security of your username, password, and User Account information from unauthorized access, use or disclosure to others. When using the Services, you are not permitted to circumvent the Services’ security features. You agree to: (a) immediately notify us of any unauthorized use of your username, password and/or User Account, and/or any other breach of security; and (b) ensure that you log out from your User Account at the end of each session.

3. No Liability for Acts of Third Parties: We will exercise all reasonable efforts to safeguard the confidentiality of User Personal Information. However, transmissions protected by industry standard security technology and implemented by human beings cannot be made absolutely secure, and we do not represent or warrant that transmissions will be free from delay, interruption, interception, or error. Consequently, except where precluded by applicable law, eXp shall not be liable for unauthorized disclosure of Personal Information due to no fault of ours, including but not limited to errors in transmission and unauthorized acts of our staff and third parties. You provide Personal Information to us through the Services at your own risk.

Your Personal Information will be retained by eXp only for as long as necessary to accomplish the identified purpose for which it was collected, or as required by law, whichever is longer. If you choose to delete your User Account, or your User Account becomes inactive, information associated with your User Account may remain stored on our servers for a period of time that can vary subject to our data retention policies and legal obligations. When we are no longer required to retain your Personal Information, we will destroy it or render it anonymous.

How to Review and Correct Your Personal Information

You can make a request to review and correct your Personal Information collected via the eXp Sites or Services via our Individual Rights Request form. If you have a User Account, by accessing and reviewing your User Account you may review your Personal Information and make any necessary corrections. We may take steps to verify your identity before providing you access to your Personal Information. You can help us to maintain the accuracy of your information by notifying us of any change to your mailing address, phone number, or email address.

Links to Other Sites

The eXp Sites and/or Services may now or in the future contain links to other sites such as our Affiliates, Independent Third Parties professional organizations, service providers, and third-party businesses that advertise on the Services. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content, security, or privacy practices employed by other sites. This Privacy Policy applies only to the eXp Sites and Services and our collection and use of your information. We are not responsible for the information collection practices of other organizations that link to the Services, or to which the Services link. Please refer to the privacy policies of those websites in order to determine their usage of your Personal Information and your rights.

Your Rights Based on Your Geographic Location

You may have additional rights with regards to your Personal Information based on your geographic location. If you reside in one of the geographic locations in the table below, this Privacy Policy and the applicable privacy statement linked in the table below govern our collection, use, and disclosure of your Personal Information. Please read the additional disclosures for your jurisdiction set forth below.

If you are a resident of…	Please click on and read:
Australia	Privacy Policy
Brazil	Política de Privacidade
Canada	Privacy Policy
Chile
Colombia	Política de privacidad
Dominican Republic	AVISO DE PRIVACIDAD
France	Politique de Confidentialité
Germany	Datenschutzerklärung
Greece	Δήλωση Απορρήτου
Hong Kong	私隱政策
India	Privacy Notice
Israel	מדיניות פרטיות
Italy	Informativa sulla privacy
Mexico	Política de privacidad
New Zealand
Panama	Política de privacidad
Poland
Portugal	Política de Privacidade
Puerto Rico	Política de privacidad
South Africa	eXp Privacy Notice
Spain	Aviso De Privacidad
UAE – Dubai Economy
United Kingdom	Privacy Policy
United States	California Privacy Rights Statement Virginia Privacy Rights Statement

Your Consent to This Privacy Policy

By using the Services, you consent to the collection and use of your information, including your Personal Information, by us in compliance with this Privacy Policy, unless you opt out as identified in this Privacy Policy. If we change this Privacy Policy or some part of it, we will post the updated Privacy Policy on this web page with an updated Effective Date so that you will always be able to understand what information we collect, how we use that information, and under what circumstances we may disclose that information to others. If you have a User Account or we have previously collected your email address as part of your use of the Services or our relationship with you, we may email you notice of the updated Privacy Policy. Your use of the Services following our publication of any revision to this Privacy Policy will signify your assent to and acceptance of its revised terms for all previously collected information and information collected from you in the future. If you do not consent to the new terms, you must immediately cease use of the eXp Sites and Services. It is your responsibility to regularly review this Privacy Policy for any changes.

Accessibility

We are committed to making our website and our products accessible for all our users. You may use the “accessibility options” link at the bottom of our Sites, as applicable, to make changes to web accessibility settings. If you have difficulty accessing any portion of the eXp Sites or Services, please contact us at [email protected].

Complaints

If you have complaints regarding our collection, use, or disclosure of your Personal Information, please contact us at the e-mail address referenced in the “How to Review and Correct Your Personal Information,” above or by submitting a request on our individual rights form. We will investigate all complaints.

Contact Us

If you have additional questions or comments please let us know by sending your comments to [email protected].