Privacy Policy and Terms of Use

Last Updated: October 13, 2026

1. Introduction

This website (the "Site") offers information, products, and services related to real estate (the "Services") that Justin Horvathprovides. We operate this website and may use third-party contractors to support the delivery of the Services and the Site ("Service Providers").

If you are a visitor to this Site, this Privacy Policy and Terms of Use applies to you and describes the policies and practices regarding the collection, use, and disclosure of your personal information in connection with your use of the Site. We act as the controller of your personal data, and our Service Providers assist us in providing the Services solely in their capacities as service providers and data processors.

This Privacy Policy and Terms of Use does not apply to any websites, applications, or other online services that do not link to this Policy, including other services provided by us or by our Service Providers. If you have questions about our use of your personal information, please contact us using the information in Section 12 below.

2. Personal Information We Collect

We collect information from you in various ways when you access or use the Site or otherwise interact with the Services. This information may include:

Information You Provide to Us

Contact information that you provide, such as your first and last name, email address, home address, and phone number; feedback or correspondence, such as information you provide when you contact us with questions, feedback, or other correspondence; marketing information, such as your preferences and/or consents for receiving communications about our activities, events, and publications, and details about how you engage with such communications; and other information which you may provide voluntarily or that is necessary in connection with your interactions with us through the Site or Services.

Information We Obtain from Third Parties

Social media information: We may maintain pages on social media platforms, such as Facebook, LinkedIn, Instagram, and other third-party platforms. When you visit or interact with these pages, the platform providers' privacy policies will apply to your interactions and their collection, use, and processing of your personal information. You or the platforms may provide us with information through the platform, and we will treat such information in accordance with this Privacy Policy and Terms of Use.

Data enrichment sources. We may obtain additional information about you from third-party data providers and publicly available sources, including property records, other public records, contact information, and professional or business information.

We do not use enrichment data, and do not permit any third party to use enrichment data obtained through us, to make or assist in making any decision regarding your eligibility for housing, credit, insurance, employment, or any other benefit or transaction for which a consumer report would be required under the federal Fair Credit Reporting Act.

Other sources: We may obtain your personal information from other third parties, such as third-party analytics services, marketing partners, publicly-available sources, and data providers.

CRM and Communication Data

If you communicate with us via email, text message, or other electronic means, or if we use customer relationship management ("CRM") tools to manage our interactions with you, we may collect and process: email message content, headers, metadata, and attachments; text message content and metadata; communication timestamps, read receipts, and delivery status; contact information and communication history; and notes and records relating to our interactions with you.

Our CRM services may synchronize with email accounts to facilitate communication management. When email synchronization is enabled, information from emails exchanged with you may be processed and stored, including email content, sender and recipient information, timestamps, and attachments. This data is used to provide better service, maintain accurate records, and facilitate follow-up communications.

Automatic Data Collection

We and our Service Providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as: device data (including your computer's or mobile device's operating system type and version, manufacturer and model, browser type, screen resolution, device type, IP address, unique identifiers, language settings, mobile device carrier, and general location information such as city, state, or geographic area); and online activity data (such as pages or screens you viewed, how long you spent on a page or screen, browsing history, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access, and whether you have opened our marketing emails or clicked links within them).

We use the following tools for automatic data collection: cookies (text files that websites store on a visitor's device to uniquely identify the visitor's browser or to store information or settings in the browser); local storage technologies (like HTML5, that provide cookie-equivalent functionality but can store larger amounts of data); and web beacons (also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked).

Chat and Messaging Features

If the Site offers live chat, an automated chat assistant, or a similar messaging feature, your conversations may be recorded, stored, and processed by us and by the Service Providers who operate that feature on our behalf. Please do not submit sensitive personal information through a chat feature.

3. How We (and Our Service Providers) May Use Your Personal Information

We may use your personal information for the following purposes:

• To provide and operate our Services and our Site. We use your information to provide, operate, and improve our Services and Site; communicate with you about our Services and business including by sending announcements, updates, security alerts, and support and administrative messages; and provide support and respond to requests, questions, and feedback.
• To manage our relationship with you. We use CRM tools and services to maintain records of our communications, track your preferences and interests, and provide personalized service. This may include analyzing your interactions with us to better understand your needs and preferences.
• To send you follow-up communications. If you have opted into receiving follow-up communications, we (or our Service Providers) may from time to time send you follow-up communications as permitted by law, including through phone, email, and SMS text messages, some of which may use artificial or prerecorded voices. You may opt out of receiving such communications as set forth in Section 6 below.
• To send you marketing and promotional communications. If you have opted in to receive marketing and promotional communications, we (or our Service Providers) may from time-to-time send you direct marketing communications as permitted by law, including through phone, email, and SMS text messages, some of which may use artificial or prerecorded voices. You may opt out of receiving such communications as set forth in Section 6 below.
• To comply with law. As we or our Service Providers believe necessary or appropriate to comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities.
• For compliance, fraud prevention, and safety. To protect our, your, or others' rights, privacy, safety, or property (including by making and defending legal claims); enforce the terms and conditions that govern our Services; and protect, investigate, and deter against fraudulent, harmful, unauthorized, unethical, or illegal activity.
• To create anonymous data. We may create anonymous data from your personal information and other individuals whose personal information we collect. We make personal information into anonymous data by removing information that makes the data personally identifiable to you. We may use this anonymous data and share it with third parties for our lawful business purposes, including to analyze and improve our Services, conduct research, and promote our business.

Use of Artificial Intelligence

We use artificial intelligence ("AI") and machine learning technologies to provide and improve our Services. This section describes how AI is used in connection with the Site and Services.

AI-Generated Content. We may use AI technologies to generate, assist with, or enhance content displayed on the Site or provided through our Services, including: property descriptions and listing information; blog posts, articles, and other written content; social media posts and marketing materials; email communications and newsletters; and advertising copy and promotional content. AI-generated content is created using large language models and other machine learning systems. While we review AI-generated content for accuracy and appropriateness, such content may contain errors, omissions, or inaccuracies. You should not rely solely on AI-generated content for important decisions, including real estate transactions, without independent verification.

AI-Assisted Communications. We may use AI to assist with communications, including: drafting and suggesting responses to inquiries, analyzing communication patterns to improve service, providing automated responses to common questions, and prioritizing and categorizing incoming communications. When AI assists with communications, a human may review and approve messages before they are sent, though some automated responses may be sent without individual human review.

AI-Based Analysis and Recommendations. We may use AI to analyze data and provide recommendations, including: identifying potential opportunities based on your stated preferences and behavior, suggesting properties that may match your criteria, analyzing market trends and conditions, and optimizing the timing and content of communications. These AI-based analyses and recommendations are provided for informational purposes and should not be considered professional advice. Important decisions should be made in consultation with qualified professionals. We do not use AI to make, and AI does not make, any decision that produces a legal or similarly significant effect concerning you.

Your Choices Regarding AI. You may ask us whether AI was used to generate specific content provided to you, ask that a person review any significant determination made with AI assistance, and provide feedback on AI-generated content or recommendations. To exercise these rights or ask questions about our use of AI, please contact us using the information in Section 12 below.

4. How We Share Your Personal Information

We do not "sell" any personal information (as defined under applicable laws), but we may share your personal information as described below and as described elsewhere in this Privacy Policy and Terms of Use. We may share your personal information with:

• Internal Team, Partners, and Affiliates: Our employees and contractors, partners, and affiliates: Including to facilitate your interactions with us.
• Our Service Providers: Companies and individuals that provide services on our behalf or to help us provide the Services, the Site, or our business (such as hosting, information technology, CRM services, email delivery, text message and other messaging delivery, AI and machine learning services, and website analytics services).
• Professional advisors: We may disclose your personal information to professional advisors, such as lawyers, bankers, auditors, and insurers, where necessary in the course of the professional services that they render to us or our Service Providers.
• For compliance, fraud prevention, and safety: We or our Service Providers may share your personal information for the compliance, fraud prevention, and safety purposes described above.
• Business transfers: We (or our Service Providers) may sell, transfer, or otherwise share some or all of our (or our Service Providers') business or assets, including your personal information, in connection with a business transaction (or potential business transaction) such as a corporate divestiture, merger, consolidation, acquisition, reorganization, or sale of assets, or in the event of bankruptcy or dissolution. In such a case, we will make reasonable efforts to require the recipient to honor this Privacy Policy and Terms of Use.

Other than as set forth herein, data will not be shared with third parties for marketing or promotional purposes. We will never disclose any personal information such as phone numbers and SMS consent with any third parties for marketing purposes, and we do not include telephone numbers in any list uploaded to an advertising platform.

5. Tracking Technologies

This Site uses a visitor-tracking pixel provided by our CRM Service Provider. It records page views and associates them with your device and, once you have submitted a form to us, with your contact record, so that we can see which properties and pages you have viewed and follow up in a way that is relevant to you. This tracking uses cookies and similar technologies of the kind described in Section 2 (Automatic Data Collection).

This Site also uses Google Analytics 4, a web analytics service provided by Google LLC. Google Analytics uses cookies and similar technologies to collect information such as the pages you visit, how long you stay, the site that referred you, your browser and device type, and your approximate location (derived from your IP address, which Google Analytics does not store or report to us). We use this information in aggregate to understand how the Site is used and to improve it. We have not enabled Google Signals or linked this Site's Google Analytics data to Google advertising products. You can learn how Google uses information from sites that use its services at https://policies.google.com/technologies/partner-sites, and you can prevent Google Analytics from collecting your data by installing the Google Analytics opt-out browser add-on at https://tools.google.com/dlpage/gaoptout.

This Site also displays a call-and-text prompt provided by our CRM Service Provider. It is part of the same tracking technology described above, and any message or call you start from it is handled as described in Sections 3 and 11.

We do not currently place third-party advertising pixels (such as those offered by Meta or Google) on this Site, do not build advertising audiences from your visits, and do not participate in interest-based advertising through this Site. Should that change, we will update this Policy, including Sections 5, 6, 14 and 15, and will provide any opt-out mechanism required by applicable law before doing so.

6. Privacy Choices and Opt-Outs

You have the following choices regarding our collection and use of your personal information:

Targeted Advertising, Sale, and Sharing

We do not sell your personal information, and we do not currently share it for targeted or cross-context behavioral advertising. Because we do not, there is nothing to opt out of and we do not present a "Do Not Sell or Share" control. If you have any question about this, or wish to record an opt-out preference with us in case our practices change, contact us using the information in Section 12 and we will honor it.

Opt-Out Preference Signals and Global Privacy Control

Your browser or a browser extension may be able to send an opt-out preference signal, such as Global Privacy Control ("GPC"). Because we do not sell or share personal information for targeted advertising, a GPC signal currently has no effect on our processing. If we begin such sharing, we will treat a GPC signal received from your browser as a valid request to opt out for that browser and device.

Do Not Track

Some Internet browsers may be configured to send "Do Not Track" signals to the online services that you visit. We currently do not respond to "Do Not Track" signals. To find out more about "Do Not Track," please visit allaboutdnt.com.

Online Tracking Opt-Out

There are a number of ways to opt out of having your online activity and device data collected through our Services: blocking cookies in your browser (most browsers let you remove or reject cookies; to do this, follow the instructions in your browser settings; for more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit allaboutcookies.org); blocking advertising ID use in your mobile settings; and using privacy plug-ins or browsers (you can block our Services from setting cookies used for third-party analytics by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, DuckDuckGo, Ghostery, or uBlock Origin).

Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt out on every browser and device that you use.

SMS Communications Opt-Out

To opt out of receiving SMS communications, reply STOP to any SMS communication sent to you.

Email Communications Opt-Out

You may unsubscribe from email updates sent by us at any time by following the unsubscribe link in the email.

7. Your Privacy Rights, Data Retention, and Requests to Delete

Your Privacy Rights

You have the right to submit requests about your personal information, depending on your location and the nature of your interactions with the Site and our Services. These rights may include: information about how we have collected and used your personal information (we have made this information available to you without having to request it by including it in this Privacy Policy and Terms of Use); access to a copy of the personal information that we have collected about you (where applicable, we will provide the information in a portable, machine-readable, readily usable format); correction of personal information that is inaccurate or out of date; deletion of personal information that we no longer need to provide our services or for other lawful purposes; and additional rights, such as to object to and request that we restrict our use of your personal information, and where applicable, you may withdraw your consent. Sections 14, 15, and 16 describe rights available to residents of California, of other U.S. states, and of the European Economic Area, the United Kingdom, and Switzerland.

If you wish to exercise your rights, please contact us using the information in Section 12 below.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy any legal, accounting, or reporting requirements, and to provide you with the Services.

The retention period for personal information depends on the context and our relationship with you: contact information and communication records are generally retained for the duration of our relationship with you and for a reasonable period thereafter to allow for follow-up communications and to comply with legal requirements; CRM data, including email synchronization data, is retained for as long as you maintain an active relationship with us, unless longer retention is required by law; transactional records may be retained to comply with legal and regulatory requirements; and marketing preferences are retained until you update them or opt out.

When personal information is no longer necessary for the purposes for which it was collected, we will securely delete or anonymize it. In some cases, we may retain certain information in anonymized or aggregated form for analytical purposes.

How We Handle Requests to Delete

When we grant a request to delete your personal information, we delete it from our systems and direct our Service Providers to do the same. We retain a record that you made the request, together with the limited identifying information needed to recognize you, so that we can continue to honor your request and can demonstrate that we honored it. We do not use that record for any other purpose, and it is not used to contact you or to market to you. If you would prefer that we retain nothing at all, you may tell us so when you make your request, and we will remove that record as well. Copies that remain in backup or disaster-recovery systems are overwritten in the ordinary course of those systems' rotation.

8. Third Party Services

The Site and Services may contain links to websites and other online services operated by third parties. In addition, our content may be integrated into web pages or other online services that are not associated with us. These links and integrations are not an endorsement of, or representation that we are affiliated with, any third party. We do not control websites or online services operated by third parties, and we are not responsible for their actions.

9. Security

We employ a number of technical, organizational, and physical safeguards designed to protect the personal information we collect. We take appropriate technical and organizational measures that provide a level of security appropriate to the risk of processing your personal data. We follow generally accepted industry standards to protect the personal data and information submitted to us, both during transmission and in storage. However, no method of transmission over the Internet, or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect personal data, we cannot guarantee its absolute security.

10. Children

The Services are not intended for use by children under 18 years of age. If we learn that we have collected personal information through the Services from a child under 18 without the consent of the child's parent or guardian as required by law, we will delete it. We do not knowingly sell or share the personal information of any consumer under 16 years of age.

11. SMS Text Messaging Terms of Use

Use of SMS Text Messaging. We use SMS Text Messaging to confirm appointments, send reminders, and notify clients of schedule updates or important changes.

Unsubscribing from SMS Text Messaging. You can cancel the SMS service at any time. Just text "STOP". After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again.

Assistance. If you are experiencing issues with the messaging program, you can reply with the keyword "HELP" for more assistance, or you can get help directly at hello@justinhorvath.com.

Carrier Liability. Carriers are not liable for delayed or undelivered messages.

Frequency and Data Rates. Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Other Privacy Questions. If you have any questions regarding privacy, please read this Privacy Policy and Terms of Use.

12. How to Contact Us

You can reach us by email at hello@justinhorvath.com or by phone at (509) 652-2023. Justin Horvath is located in Leavenworth, WA.

13. Changes to this Privacy Policy and Terms of Use

We reserve the right to modify this Privacy Policy and Terms of Use at any time. If we make material changes to this Privacy Policy and Terms of Use, we will notify you by updating the date of this Privacy Policy and Terms of Use and posting it on this website. Where required by law, we will provide additional notice or obtain your consent.

14. Notice of Collection and Additional Rights for California Residents

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act ("CCPA"), permits you to request information, no more than once per calendar year, regarding the disclosure of your Personal Data by us to third parties, including for the third parties' direct marketing purposes. Furthermore, California residents have the following rights with respect to Personal Data we may have collected about them:

Categories of Personal Information Collected

In the preceding 12 months, we may have collected the following categories of personal information: identifiers (such as name, email address, phone number, and IP address); personal information described in California Civil Code section 1798.80(e) (such as name, address, and telephone number); characteristics of protected classifications under California or federal law (such as gender and age); commercial information (such as property preferences and transaction history); internet or electronic network activity (such as browsing history and interactions with our Site); geolocation data (such as city and state derived from IP address); audio, electronic, or visual information (such as the contents of email, text messages, chat sessions, and session recordings); professional or employment-related information (if provided); inferences drawn from the above (such as preferences and characteristics); and sensitive personal information (only if voluntarily provided).

We collect these categories from you directly, from your device and browser, from our Service Providers, from social media platforms, and from third-party data providers and publicly available sources. We collect and use them for the business and commercial purposes described in Section 3. We disclose them for the business purposes and to the categories of recipients described in Section 4.

(i) Requests to Know

You have the right to request that we disclose to you: the categories of Personal Data we have collected about you; the categories of Personal Data about you we have sold or disclosed for a business purpose; the categories of sources from which we have collected Personal Data about you; the business or commercial purposes for selling or collecting Personal Data about you; the categories of Personal Data sold or shared about you, as well as the categories of third parties to whom the Personal Data was sold, by category of Personal Data for each party to whom Personal Data was sold; the specific pieces of Personal Data collected; and how long your Personal Data is retained. You may submit a request to know to the address or email address indicated in Section 12. The delivery of our response may take place electronically or by mail. We are not required to respond to requests to know more than twice in a 12-month period.

(ii) Requests to Delete or Correct

You have the right to request that we delete any Personal Data about you that we have collected, or correct Personal Data that we have about you that is inaccurate. Upon receiving a verified request to delete personal data, we will do so unless otherwise authorized by law. Where we grant a request to delete, we handle it as described in Section 7.

(iii) Authorized Agents

You may designate an authorized agent to make requests on your behalf. You must provide an authorized agent written permission to submit a request on your behalf, and we may require that you verify your identity directly with us. Alternatively, an agent that has been provided a power of attorney pursuant to Probate Code sections 4000-4465 may submit a request on your behalf.

(iv) Methods for Submitting Consumer Requests and Our Response to Requests

You may submit a request to know and requests to delete Personal Data about you via email at hello@justinhorvath.com or by phone using the number provided in Section 12.

Upon receipt of a request, we may ask you for additional information to verify your identity. Any additional information you provide will be used only to verify your identity and not for any other purpose. We will acknowledge the receipt of your request within ten (10) business days of receipt. Subject to our ability to verify your identity, we will respond to your request within 45 calendar days of receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

(v) The Right to Non-Discrimination

You have the right not to be discriminated against for the exercise of your California privacy rights described above.

(vi) Selling and Sharing of Personal Data

We may use your Personal Data for the purposes described in Section 3 of this Policy, and may share your Personal Data as further described in Section 4 of this Policy. California law places certain obligations on businesses that "sell" Personal Data to third parties or "share" Personal Data with third parties for "cross-context behavioral advertising" as those terms are defined under the CCPA.

We do not "sell" Personal Data as that term is defined under the CCPA, and we do not currently "share" Personal Data for cross-context behavioral advertising, as described in Sections 5 and 6. If we begin to do so, we will provide a "Do Not Sell or Share My Personal Information" mechanism and honor Global Privacy Control signals as required. You may record an opt-out preference with us at any time using the information in Section 12. We do not knowingly sell or share the personal information of consumers under 16 years of age.

(vii) Sensitive Personal Data

Some Personal Data may be considered sensitive personal information under certain privacy laws, including the CCPA. Sensitive personal information may include, for example, government-issued identification number, information relating to a person's race or ethnic origin, political opinions or religious beliefs, physical or mental health or condition, sexual orientation, or trade union membership. It may include information about an individual's criminal offenses or convictions, as well as any other information deemed sensitive under applicable data protection laws.

The CCPA provides consumers with the "right to limit" the use of their sensitive personal information to certain business purposes. We do not request sensitive personal information in connection with the use of the Site. We do not use or disclose sensitive personal information for any purpose that would trigger the right to limit, and we therefore do not offer a separate limitation mechanism.

15. Additional Rights for Residents of Other U.S. States

If you are a resident of a state with a comprehensive consumer privacy law, including Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Montana, Florida, Delaware, Iowa, Nebraska, New Hampshire, New Jersey, Tennessee, Minnesota, Maryland, Indiana, Kentucky, or Rhode Island, you may have the right, subject to the terms of your state's law, to:

• Confirm whether we are processing your personal information and access that information.
• Obtain a copy of your personal information in a portable and, to the extent technically feasible, readily usable format.
• Correct inaccuracies in your personal information.
• Delete personal information we have collected about you. Where we grant a request to delete, we handle it as described in Section 7.
• Opt out of the processing of your personal information for targeted advertising, for sale, or for profiling in furtherance of decisions that produce legal or similarly significant effects. We do not engage in such profiling, and, as described in Sections 5 and 6, we do not currently sell personal information or process it for targeted advertising.
• Obtain a list of the third parties to whom we have disclosed your personal information, where your state law provides that right.

To exercise any of these rights, contact us using the information in Section 12. We honor recognized universal opt-out mechanisms where required by your state's law.

Appeals

If we decline to act on your request, you may appeal our decision by replying to our response or by contacting us at hello@justinhorvath.comwith the subject line "Privacy Request Appeal." We will respond to your appeal in writing within the period required by your state's law, generally forty-five or sixty days, and will explain the reasons for our decision. If we deny your appeal, you may contact your state Attorney General to submit a complaint.

16. Residents of the European Economic Area, the United Kingdom, and Switzerland

If you are located in the European Economic Area, the United Kingdom, or Switzerland, the following applies to our processing of your personal information.

Controller

Justin Horvath is the controller of the personal information described in this Privacy Policy and Terms of Use. Our contact details appear in Section 12.

Legal Bases for Processing

We process your personal information on the following legal bases: your consent, where you have opted in to marketing communications, non-essential cookies, or similar processing; the performance of a contract with you or steps taken at your request before entering into a contract, where you engage us in connection with a real estate transaction; compliance with a legal obligation, including record-keeping and response to lawful requests; and our legitimate interests in operating, securing, and improving the Site and the Services, understanding how visitors use the Site, and marketing our services, where those interests are not overridden by your interests or fundamental rights.

Your Rights

You have the right to request access to your personal information, rectification of inaccurate information, erasure, restriction of processing, and portability; to object to processing carried out on the basis of legitimate interests, including direct marketing; and to withdraw consent at any time without affecting the lawfulness of processing carried out before withdrawal. To exercise these rights, contact us using the information in Section 12.

International Transfers

We and our Service Providers are located in the United States, and your personal information will be transferred to and processed in the United States and other countries that may not provide the same level of data protection as your home jurisdiction. Where we transfer personal information out of the European Economic Area, the United Kingdom, or Switzerland, we rely on appropriate safeguards, including the European Commission's Standard Contractual Clauses together with the UK International Data Transfer Addendum where applicable. You may request a copy of the safeguards we use by contacting us.

Supervisory Authority

You have the right to lodge a complaint with the data protection supervisory authority in your country of residence, place of work, or the place of the alleged infringement. In the United Kingdom, that authority is the Information Commissioner's Office.

Questions about this policy? Contact me or email hello@justinhorvath.com.