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Privacy Policy

Last Updated: February 7, 2026

TGB Holdings Inc. (dba "Team Growth Brokerage," "Company," "we," "our," or "us") respects your privacy. This Privacy Policy describes how we collect, use, and share Personal Data through our digital brokerage platform (the "TGB Operating System"), website, and financial tools (collectively, "Services").

Scope: This policy applies to Team Leaders, Agents, Consumers, and Visitors. References to "Agents" in this Policy mean licensed real estate professionals acting as independent contractors of TGB, not employees.

1. Information We Collect

A. Information You Provide

  • Identity & Verification: Name, email, phone, Real Estate License number, and Driver's License (for KYC/AML banking compliance).
  • Financial & Tax Data: SSN/EIN for 1099 tax reporting, bank routing numbers for Real-Time Payments (RTP), and credit card details for SaaS billing.
  • Beneficiary Information: If you participate in the Channel Partner Program (CPP), we may collect information about your designated beneficiary to inherit your recurring revenue rights in the event of death, subject to our Terms of Service.
  • Transaction Data: Real estate contracts, commission disbursement authorizations (CDAs), and agent roster data uploaded to the TGB Hub.

B. Information Collected Automatically

  • Usage Data: We collect logs of how you interact with our Dashboards, including "CompBuilder" logic and "RevCapture" settings.
  • AI Interaction Logs: When you use our AI Compliance Agents or Chatbots, we collect the conversation logs, metadata, and inputs to improve the model accuracy.

C. Tracking Technologies

  • Pixels & Analytics: We use cookies, web beacons (Pixels), and Google Analytics to analyze usage and facilitate "Retargeting" advertisements on platforms like Facebook and LinkedIn.

2. Artificial Intelligence (AI) Disclosures

A. Use of AI Tools

TGB Nexus utilizes Artificial Intelligence (including Large Language Models) to automate compliance review, contract parsing, and commission calculations.

  • Not Legal Advice: AI outputs (e.g., a "Green Light" on a file review) are for informational purposes only and do not constitute legal or regulatory advice. You are responsible for verifying the accuracy of AI outputs.
  • No Fair Housing Guarantee: AI models are not foolproof. We do not guarantee that AI outputs are perfectly compliant with the Fair Housing Act or RESPA.
  • Data Usage: We may use anonymized interaction data to train and refine our internal models. We do not use your confidential client data to train public models (like ChatGPT) for general use.

3. Financial Products & "Vault" Data

A. Underwriting & Eligibility

We use your transaction volume, revenue data, and team size to determine your eligibility for specific financial products, including Momentum Vault Credits, Commission Advances, and CPP Payout Tiers.

  • Banking Partners: We share necessary data with our banking partners to facilitate Real-Time Payments and "Wallet" features.
  • RevCapture Analysis: We analyze your P&L data to suggest "Ancillary Fee" opportunities. This data is strictly confidential and used solely to improve your business margins.

4. How We Share Information

We do not sell your Personal Data.

Mobile Information No-Sharing Disclosure: Notwithstanding any other language in this policy, no mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We disclose data only as follows:

  • Service Providers: To vendors who support our infrastructure such as AWS, Stripe, and Skyslope.
  • Legal Compliance: To comply with subpoenas or audits from State Real Estate Commissions.
  • Corporate Transactions: If TGB Holdings Inc. is acquired or merges with another entity, your data (including your "Vault" balance and "CPP" rights) may be transferred as a business asset.

5. Your Rights & Choices

A. Marketing & Communications

  • Opt-Out: You may unsubscribe from marketing emails via the link in the footer.
  • Text Messaging (TCPA): We obtain SMS consent directly from you when you provide your phone number through our website forms, the TGB Operating System registration, or by opting in via our "TGB Hub" settings. By providing your number, you provide express written consent to receive functional business SMS (e.g., "Deal Closed" notifications, compliance alerts, or RevCapture updates). Consent is not a condition of purchase. You may opt out at any time by replying STOP to any message.

B. State-Specific Rights

  • California/Washington Residents: You may have the right to request access to or deletion of your data. Note that state real estate laws often require us to retain transaction files for 3-7 years, which overrides a deletion request.

6. Data Security

We implement enterprise-grade security measures (encryption, access controls) to protect your data. However, no internet transmission is 100% secure. You are responsible for keeping your TGB Hub password confidential.

7. Contact Us

TGB Holdings Inc. dba Team Growth Brokerage
7 N Wenatchee Ave. Suite 300
Wenatchee, WA 98801
Email: support@teamgrowthbrokerage.com
Phone: (509) 670-5532
Brokerage Information: Licensed Real Estate Brokerage in Washington.