Privacy Policy

Effective date: to be set upon approval

This Privacy Policy describes how Agent Liquidity Group LLC, operating under the Agent Advance Now brand ("Agent Advance Now," "we," "us," or "our"), collects, uses, shares, and protects information submitted through our website and commission advance application. It is provided as a draft for legal review; items marked below require confirmation before publication.

1. Who We Are

Agent Liquidity Group LLC, operating under the Agent Advance Now brand, provides commission advance services to licensed real estate professionals. Questions about this policy may be directed to support@agentadvancenow.com.

Open item for review: Business mailing address and state of formation are not yet confirmed and will be added before publication.

2. Information Collected from Applicants

When you submit an application, we collect the information you provide directly:

• Contact and identification information: your name, email address, phone number, and your role (agent or managing broker/owner).
• Real estate transaction and commission information: the property address, city, state, ZIP code, and property type; the sale price; your commission rate and estimated commission amount; the advance amount you request; the expected closing date; MLS number; buyer name; and title company.
• Brokerage information: your brokerage name and your broker's contact details, which we use to verify transaction details.
• Financial and supporting documents: documents you upload, such as a purchase agreement, listing agreement, real estate license, or commission agreement.
• Application metadata: a record of your acceptance of our terms, the consent text and version you agreed to, and the date and time of acceptance.

3. How We Use Information

We use the information above to:

• Review, evaluate, and process your commission advance application;
• Verify transaction details, including by contacting your broker;
• Conduct our review process, which may include a soft credit inquiry (see Section 5);
• Prepare and disclose your service fee and advance offer before you accept;
• Communicate with you about your application and offer;
• Maintain business records and comply with legal obligations.

We do not use applicant information to make automated decisions about unrelated products, and application information is used only to process your application.

4. Sharing of Information

We share information only as needed to operate the application and funding process:

• Funding partners: with funding partners as needed to evaluate, underwrite, and fund approved advances.
• Affiliated entities: with affiliated entities involved in reviewing, underwriting, processing, or funding commission advances, only as necessary for their role in your application. Applicant information is not automatically shared with every affiliate.
• Service providers: with technology service providers that host our website, store data, and deliver communications on our behalf.
• CRM provider: when you submit an application, the application information described in Section 2 — including your contact details, transaction and commission details, brokerage and broker contact information, a reference listing of your uploaded documents (labels and file names only; document contents are not transferred), any promotional code you provide, and your consent record — is synchronized to our customer relationship management system (GoHighLevel) to track and process applications and communications. CRM records are stored separately from our website application records and are subject to GoHighLevel's own storage practices.
• Professional advisors and legal process: with advisors, auditors, or as required by law, regulation, or legal process.

We do not sell applicants' personal information.

Open item for review: Confirm the specific categories of funding partners and service providers, and any contractual restrictions applicable to them, before publication.

5. Soft Credit Inquiries

As part of our application review, we may conduct a soft credit inquiry. A soft inquiry does not affect your credit score. Hard credit inquiries are not performed as part of the website application process. Currently, no credit inquiry integration is connected to the website application system, and no credit-inquiry authorization is collected at the time of submission; if a soft inquiry is later performed as part of our manual review, any authorization required by applicable law will be collected separately and will not be combined with acceptance of our Terms and Privacy Policy.

Open item for review: Determine with counsel whether a separate, explicit credit-inquiry authorization is required (and its exact wording and placement in the application) before launch. No such authorization is currently collected, and it is intentionally not combined with the Terms and Privacy Policy acceptance.

6. Data Storage, Access Controls, and Security

Application records are stored in the application's database with access controls that restrict reading, editing, and deleting application records to authorized personnel. Uploaded documents are stored in private storage and are not publicly accessible; document access links are time-limited and restricted to authorized team members. Application records and CRM records described in Section 4 are stored separately; deleting an application record in the website system does not automatically delete the corresponding CRM record. There is currently no automatic deletion or anonymization of application or CRM records: records are retained until reviewed and deleted manually, and deleted records may persist in system backups for a period of time.

Open item for review: Confirm specific infrastructure encryption standards and any security certifications with the platform's documentation before making encryption or certification claims in the published policy.

7. Retention and Deletion

We retain application information for as long as necessary to process your application, maintain business records, and meet legal, accounting, or compliance obligations. We do not currently operate an automated deletion or anonymization process; information is retained until it is reviewed and deleted manually. We will honor applicant deletion requests as described in Section 8, subject to our legal and record-keeping obligations.

Open item for review: Specific retention periods must be defined with counsel before publication; no retention schedule is asserted in this draft.

8. Applicant Rights and Requests

You may contact us at support@agentadvancenow.com to request access to, correction of, or deletion of the personal information we hold about you, or to ask questions about this policy. We will respond within the timeframes required by applicable law.

Open item for review: If applicants may reside in states with specific consumer-privacy statutes, confirm applicable rights disclosures with counsel.

9. Cookies and Website Analytics

The website uses only the cookies and storage necessary to operate the site and your session. We may use the hosting platform's built-in, aggregate traffic analytics to understand site usage and improve the website. We do not currently operate third-party advertising or cross-site tracking tools.

Open item for review: Confirm with counsel whether the hosting platform's built-in analytics require additional disclosure or consent before publication.

10. Marketing Communications and Consent Choices

Submitting an application does not by itself authorize marketing communications. Any separate marketing opt-in will be voluntary and independent of the application consent. You may opt out of marketing communications at any time using the unsubscribe link in our emails or by contacting us.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the version referenced in the application process and post the updated policy on this page.

12. Contact Us

Agent Liquidity Group LLC (operating under the Agent Advance Now brand)
Email: support@agentadvancenow.com
Mailing address: to be added upon confirmation