Moea App

Privacy Policy for Moea, Inc.

This Privacy Policy explains how Moea, Inc. ("Moea," "we," "us" or "our") collects, uses, shares and protects personal information when you use moea.com and our other websites, the Moea mobile app for home buyers, sellers, real estate agents and brokers, and our text message programs (together, the "Services"). It is part of our Terms of Use, and terms we do not define here have the meaning given there. "Personal information" means information that identifies you or can reasonably be linked to you.

Last Updated: September 29th, 2026

The Short Version

  • We do not sell your personal information, and we do not use it for targeted advertising. We do not use advertising networks or ad-tracking tools on our websites or in the app, and the app does not use your device's advertising ID.
  • The companies that run parts of Moea for us receive only what they need for that work. Section 4 names each of them and what it receives.
  • AI features in the app share information with our AI service provider only after you allow it, and you can turn that off at any time. Some background checks that run Moea's services, such as document and offer checks, also use our AI service provider whatever that choice (Section 3).
  • We do not share your mobile number or your text message consent for marketing (Section 5).
  • You can delete your account in the app or at moea.com/delete-account. Section 7 explains what is deleted and the few records we must keep.
On this page
  • 1. Information We Collect
  • 2. How We Use Information
  • 3. AI Data Sharing (Daft AI)
  • 4. How We Share Information
  • 5. SMS Communications
  • 6. Your Choices
  • 7. Deleting Your Account
  • 8. How Long We Keep Information
  • 9. Security and Storage
  • 10. Children
  • 11. Your Privacy Rights
  • 12. Additional Information for California Residents
  • 13. Other U.S. State Privacy Rights
  • 14. Other Important Information
  • 15. Contact Us

1. Information We Collect

What we collect depends on how you use Moea. You give us some of it, some is collected automatically when you use the Services, and some comes from other people and companies.

A. Information you give us

  • Account and contact details. Your name, email address, phone number and postal address, and your password, which we store only in a scrambled (hashed) form. If you are a real estate agent or broker, also your license number, brokerage and office details, business website and email signature.
  • Home search and preferences. Your searches, saved homes and searches, watchlists, likes and dislikes of homes, the notes and photos you add, and your tour requests. If you choose to share them, your budget, credit score and similar details that help us show you suitable homes.
  • Offers and transactions. Offers and counteroffers, purchase agreements, disclosures, electronic signatures, inspection reports, closing documents, proof of funds, loan pre-approval letters and the other documents you upload or sign.
  • Payments. When you pay for a membership or a service, your card details go directly to our payment processor, Stripe, or to Apple or Google for purchases made through their app stores. We do not store full card numbers. We keep a record of what you bought.
  • Identity checks. When a feature needs to confirm who you are, our identity verification provider, Plaid, collects a photo of your government ID, your name, date of birth, address, phone number and email address and, depending on the check, a selfie. We receive the result and the details needed to complete the check.
  • Bank balances. If you connect a bank account through Plaid to show proof of funds, we receive the balances you choose to share. Plaid handles your bank login; we never see it.
  • Home Buying Assistance. If you apply, you may give us documents that show you qualify, such as a birth certificate or hospital birth record for a new child (which includes the child's name and date of birth), a marriage certificate, proof of military service, or documents about a disability. These can include health information and your marital and veteran status. We use them only to review and manage your application. An automated review by our AI service provider checks the documents and makes a recommendation, and a person at Moea makes the final decision (Section 3).
  • Messages and support. Messages you send in the app, emails you send through Moea, text messages through a Moea Number, and what you send our support team, including screenshots attached to a problem report.
  • Voice, photos and video. What you say to Daft AI, Moea's assistant, or when you dictate; photos and videos you take or upload, for example on a tour; your profile photo; and your audio and video during calls and video tours.
  • Contacts. If you are an agent and import contacts from your phone, only the contacts you select. Features that only read your phone's contacts, such as inviting friends, read them on your device and do not upload your address book.
  • Connected accounts (agents). If you connect a Gmail or Outlook mailbox, Moea sends the email you write in Moea from that mailbox so your client conversations appear in the app. When Moea sends an email for you through a connected Outlook mailbox, Moea also reads the replies to that email thread so they appear in your conversation in the app, using the access you granted when you connected the mailbox. For a connected Gmail mailbox, Moea reads replies only if you turn on email notifications for that mailbox. If you connect a Google or Microsoft calendar, Moea adds the transaction dates you choose to it. If you connect Follow Up Boss, Moea imports your contacts from it. You can disconnect these accounts at any time in the app.
  • Google user data. If you connect a Gmail account, Moea uses Google's APIs only for what you turn on: sending the email you write in Moea from your Gmail address, adding the transaction dates you choose to your Google Calendar, and, only if you turn on email notifications, reading replies to the email you sent from Moea and mail about your transactions so they appear in your conversations. Moea does not sell this data, does not use it for advertising, and does not use it to develop, improve or train generalized artificial intelligence or machine learning models. People at Moea do not read it unless you ask us to, it is needed for security or to comply with the law, or it is aggregated and anonymized for internal operations. You can disconnect Gmail at any time in the app, and you can remove Moea's access at myaccount.google.com. Moea's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.
  • Email processing. The text of email Moea receives through a connected mailbox may be processed by our AI service provider to decide whether a message is about your transaction and to draft replies you ask for. Our AI service provider does not use it to train models.

B. Information collected automatically

  • Location. With your permission, your device's precise location, to show homes and places near you, give directions and answer questions about what is nearby. If you also allow location in the background, the app uses it to send tour arrival alerts. If you allow only approximate location on your device, the app uses that instead. Location history is deleted within 48 hours of being recorded. You can turn location off at any time in your device settings.
  • Device and usage information. Your IP address, device model, operating system and app version, browser type, a device ID that Moea creates, push notification tokens, the screens and pages you use, what you tap and search for, and when.
  • Diagnostics. Technical details when something goes wrong. Google's map software in the app also collects crash reports and usage data (Section 4).
  • Cookies and similar technologies. Our websites use cookies and browser storage to keep you signed in and secure, remember your settings, and link a Daft chat you started without signing in to your account if you later sign in. We do not use advertising or analytics cookies. moea.com can also load ListHub's reporting script, which reports listing views from your browser (Section 4); when it loads, ListHub receives your IP address and browser details, and its own privacy policy applies. This does not apply to the text messaging opt-in form at moea.com/sms-opt-in: what you enter there and your text messaging opt-in data and consent are not captured by or disclosed to third parties, except that the agent whose Moea Number you entered sees your mobile number and our SMS delivery provider receives it to deliver the messages. You can block or delete cookies in your browser, but some features, such as signing in, will not work without them.

C. Information from other sources

  • Listing and property data from multiple listing services (MLSs), ListHub, public records and property data providers such as ATTOM, including listing agents' names and business contact details.
  • Your agent and the people you work with. An agent can invite you to Moea and add your contact details, and someone who shares an account with you, such as a co-buyer, can add information.
  • Sign-in providers. If you sign in with Google or Apple, we receive your name, email address and account ID from them. Apple may give us a private relay email address instead of your own.
  • Service providers such as Plaid (identity check results and bank balances) and Stripe (payment status).
  • Connected accounts that agents choose to connect, as described above.

2. How We Use Information

We use personal information, except mobile numbers and opt-in records collected for text messaging (used only as described under SMS Communications in section 5), to:

  • provide the Services: accounts, home search and maps, tours, offers, documents and electronic signatures, messages, texts, calls and video, and payments;
  • personalize the homes, searches and answers we show you, based on what you tell us and what you view;
  • communicate with you about your account, your home search, your tours and your transactions, and answer your support requests;
  • provide the AI features you choose to use, with your permission in the app, and run the background checks described in Section 3;
  • verify identity, prevent fraud and abuse, and keep the Services and our users safe and secure;
  • understand how the Services are used, fix problems and build improvements;
  • keep the records the law requires, meet our legal obligations and enforce our terms; and
  • do other things we describe when we collect the information, or that you agree to.

We do not send marketing email. We send marketing by text message only to people who have separately opted in to Moea SMS alerts (see SMS Communications below). Texts from an agent's Moea Number never contain marketing. We do not use personal information for targeted advertising, and we do not sell it. We may create de-identified or combined information that no longer identifies you, for example to count how many people use a feature, and we do not try to re-identify it.

3. AI Data Sharing (Daft AI)

Daft AI, Moea's assistant, and the other AI features in Moea are powered by the models of our AI service provider. When you use one of these features, what you say, type, show the camera or upload for that feature is shared with our AI service provider, plus your location when you ask about places near you. Our AI service provider's models use it to produce the answer, draft or review you asked for.

Your permission comes first. Before an AI feature in the app shares anything with our AI service provider, the app asks you on a screen titled "Turn on Daft AI?", which explains what is shared and offers Allow and Not now. Nothing is shared for these features until you tap Allow. You can turn AI data sharing off, or back on, at any time in Security settings: open the Menu, tap Security, and use the AI data sharing switch. This works the same way for home buyers, agents and brokers. The switch controls the AI features you use, Daft AI and the other AI tools: while it is off, they share nothing with our AI service provider and do not work.

What each AI feature shares:

  • Daft AI, by voice or text: what you say or type to Daft AI and, while your camera is on, what the camera shows. Voice conversations connect your device directly to our AI service provider, so our AI service provider also receives your device's IP address.
  • Questions about places near you: your location at the time you ask.
  • Email drafting, for agents: what you ask Daft AI to write and the email details you choose to include, such as the recipient's name.
  • Notes: the note text you ask Daft AI to work on.
  • Photo editing: the photos you choose to edit.
  • Questions about a home: the questions you ask.

Background processing. To run Moea's services, some content is also processed with our AI service provider's models in the background, whatever your AI data sharing choice:

  • documents you upload are checked, for example proof of funds and Home Buying Assistance documents (for Home Buying Assistance, the check makes a recommendation and a person at Moea makes the final decision);
  • offers are reviewed before they are sent;
  • flagged messages are checked for safety;
  • calls are transcribed, where call transcription is turned on; and
  • Moea's tour-outreach voice assistant can call a listing agent on your behalf to arrange a tour you asked for.

This processing is limited to providing those services. The AI data sharing switch does not stop it.

On moea.com. When you use Daft AI on moea.com, what you type and any images you attach are sent through our servers to our AI service provider each time you send a message. If you are not signed in, we keep your chat with a random ID stored in a cookie, so it can be added to your account if you sign in.

How our AI service provider handles it. Our AI service provider processes this information for us to provide these features and services. Our account with our AI service provider has Zero Data Retention turned on, so our AI service provider does not store this information after processing it and does not use it to train its models. We keep your Daft AI conversations and AI results in your account so you can use them later.

4. How We Share Information

We do not sell your personal information, and we do not share it for targeted advertising. We share it only as described in this section.

Mobile phone numbers collected for text messaging, and text messaging opt-in data and consent, are used and shared only as described in SMS Communications in section 5. None of the other sharing described in this section or in sections 12 and 13 applies to them. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

A. Companies that work for us

These companies provide parts of the Services for us. Each receives only the information it needs for that work. Where a company also uses information under its own privacy policy, we say so.

  • Our AI service provider (currently OpenAI): the AI features you use, including Daft AI, after you allow AI data sharing in the app; and, whatever that choice, the background processing described in Section 3 (document checks, offer reviews, safety checks of flagged messages, call transcription where it is on, and the tour-outreach voice assistant). Receives what Section 3 describes.
  • Plaid: identity checks and proof of funds. Receives your ID photos and identity details and, if you connect a bank, your bank login. Plaid's end user privacy policy also applies when you use Plaid.
  • Stripe: payments. Receives your card or bank details, billing details, and device information it uses to prevent fraud.
  • Twilio: text messages and phone calls, including Moea Numbers. Receives phone numbers, message content and call details.
  • LiveKit: live calls, video tours and group calls. Carries the audio and video while a call happens. Calls are recorded, and transcripts made, only if recording is turned on for the agent's organization.
  • Google:
    • Google Maps and Places: maps, place search, directions and addresses. Receives the places and addresses you search for, map locations, device details and your IP address. Google's map software in the app also collects crash reports and usage data, which Google uses to improve its services under its own privacy policy.
    • Google Cloud Speech-to-Text: turns your dictation into text. Receives the voice clips you dictate.
    • YouTube: plays videos in Moea, such as listing video tours and news videos. When you play a video, Google receives your IP address, device details and viewing activity under Google's privacy policy.
    • Firebase Cloud Messaging: delivers push notifications. Receives a push token, an installation ID and device details.
    • Google Play: purchases made through Google Play.
    • Google Sign-In, if you choose it, and Gmail and Google Calendar, if an agent connects them.
  • Apple: Sign in with Apple, if you choose it, purchases made through the App Store, and push notifications on Apple devices.
  • Microsoft: hosts moea.com, measures our website's performance, and sends Moea's emails through Microsoft 365. Also Outlook mail and calendar, if an agent connects them.
  • Amazon Web Services: our servers, databases, search and file storage.
  • Expo: app updates. Receives a random installation ID, the app and system versions and your IP address when the app checks for updates.
  • ATTOM and other property data providers: property records and values. We send property addresses or identifiers, not your name or contact details.
  • Follow Up Boss: only if an agent connects it, to import the agent's contacts. We read from Follow Up Boss and do not send it your information.

B. Listing view reports to ListHub

Many listings on Moea come from ListHub, a listing syndication service. ListHub asks us to report how its listings are viewed, and it uses these reports to show listing brokers, agents and MLSs how their listings perform. We send a report when a ListHub listing appears in your search results or you open it, and when you send a tour request, a property request or an offer about a ListHub listing and we email the listing agent.

Each report contains only: the type of event; the listing's ListHub identifier; the address of the Moea page for the listing (in the app, with a label for the app and the screen); the date and time; and the IP address and user agent (browser or app, operating system and device type) of the device that viewed it. In the app, reports go through our servers, which add the IP address they received the request from. On moea.com, ListHub's own script sends the report from your browser, under ListHub's privacy policy. Reports do not include your name, email address, phone number, Moea account ID, messages or any device advertising ID.

C. Real estate professionals and other people in your transaction

  • Your agent. When you work with an agent through Moea, your agent sees your profile and contact details, the homes you save, your watchlists and other home search activity, and your tours, offers, documents and messages with them. Agents on Moea are licensed professionals who work with their own brokerages.
  • Listing agents and sellers. When you request a tour or information about a home, or make an offer, we share the details needed with the listing agent and the seller's side, and Moea may call, text or email the listing agent to arrange a tour.
  • Others in your transaction, such as co-buyers, lenders, title and escrow companies, inspectors and attorneys, as needed to complete it.
  • Brokerages. If you are an agent and your brokerage uses Moea, your brokerage can see your transaction records for supervision.
  • People you choose. People you invite, share a home or a document with, or add to your account.

Home sales are often public records. Sale prices, dates and other details may be available from public sources no matter which company handled the sale, and Moea may show them.

D. Content from other companies inside Moea

  • Virtual tours from Matterport and other 3D tour hosts open inside Moea. When you open one, the tour host receives your IP address, device details and how you use the tour.
  • If you open a lender's website from Moea, such as Presidential Bank's loan portal, what you enter there goes to the lender under its own privacy policy. Moea records only that you opened it and for how long.

E. Affiliates, legal reasons and business transfers

We may share information with companies under common control with Moea, Inc., only for the purposes in this policy. We may disclose information when we believe in good faith that it is needed to comply with the law or a legal process, to protect the rights, property or safety of Moea, our users or others, or to prevent fraud or abuse. If Moea is involved in a merger, acquisition, financing, reorganization, bankruptcy or sale of assets, information may be transferred as part of that transaction, subject to this Privacy Policy.

F. With your consent

We may share information for other purposes with your consent or at your direction.

5. SMS Communications

Moea has two text message programs, described below. The full program terms are in section 23 of our Terms of Use.

  1. Moea Agent Texting. Licensed real estate agents on the Moea platform may text you from a dedicated Moea business number operated by Moea, Inc. (a "Moea Number"). These are one-to-one, conversational messages about your own home search: showing times, offer and document updates, appointment reminders and replies to your questions. An agent may text you from their Moea Number only when one of these is true:

    • You texted that agent's Moea Number first. The agent can reply to your conversation.
    • You opted in to that agent with the form at moea.com/sms-opt-in. Moea sends a confirmation text from your agent's Moea Number; your agent can text you once it has been sent. If we could not send it right away, submit the form again later.
    • You sent that agent a request through Moea, on moea.com or in the Moea app (a tour request, a message or request for information about a listing, a property request, or an offer), on a form that says the agents handling it may text you. They may text you about it at the verified mobile number on your Moea account.
    • You are that agent's client on Moea: you accepted their invitation, or you connected with them as your agent.
    • You gave that agent permission to text you, for example in person, by phone or by email, and the agent confirmed that to Moea before texting you.

    Your STOP always wins: after you reply STOP to an agent's Moea Number, none of these lets that agent text you from that number until you text START to it, and START on its own is not consent to texts. When your agent texts you first, that first text names your agent and Moea and tells you how to opt out; your agent's replies to your texts do not. STOP works on any message from a Moea Number, at any time. Opting in to Moea Agent Texting does not sign you up for Moea SMS alerts. Message frequency varies with your conversation. Message and data rates may apply. Reply STOP to the agent's Moea Number to opt out and HELP for help at any time. Consent is not a condition of purchasing any property or service. Program details: moea.com/sms-opt-in; program terms: moea.com/terms (section 23).

  2. Moea SMS alerts (a separate program from Moea Agent Texting, sent from (800) 922-3517). When you provide your mobile number and affirmatively consent to Moea's SMS alerts, you agree to receive recurring automated and/or live SMS and MMS messages from Moea, Inc., including transactional alerts and marketing content. Message & data rates may apply. Message frequency varies but will not exceed 4 messages per month unless you initiate additional interactions. Reply STOP to cancel and HELP for help at any time. Consent is not a condition of purchase.

  3. Your mobile information. Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We do not sell or rent your mobile number. When you text with an agent through a Moea Number, that agent sees your mobile number and your conversation with them, and our SMS delivery provider receives your number so it can deliver the messages.

    When you opt in with the form at moea.com/sms-opt-in, we record your mobile number, your first name if you enter it, the date and time, the web page, your IP address and browser type, the consent language shown to you and the agent's Moea Number, as proof of your consent. If you text an agent's Moea Number first, we keep your texts to that number, which show that you started the conversation and when you last wrote. For a request you send an agent through Moea on a form that says the agents handling it may text you, we keep the agents it reached, your mobile number, the time, where you sent it from and the wording shown. When an agent confirms that you gave them permission to text you, we keep the agent, your mobile number, the time and the wording they confirmed. Each text an agent sends you through a Moea Number records which of these consents it was sent on. Your mobile number and these consent records are used only to deliver the messages you asked for, to honor opt-outs (Moea honors a STOP reply for the number you sent it to), and to keep the consent records the law requires. Replies to HELP come from our SMS provider's standard keyword handling. For more help, email support@moea.com.

6. Your Choices

  • Device permissions. You can allow or turn off location, camera, microphone, photos, contacts and notifications at any time in your device settings. Some features will not work without them.
  • AI data sharing. In the app, open the Menu, tap Security, and use the AI data sharing switch. It controls the AI features you use; it does not stop the background processing described in Section 3.
  • Email. We send email about your account, your home search, your tours and your transactions. We do not send marketing email.
  • Text messages. Text messages are different: you can reply STOP to any text from Moea or from an agent's Moea Number to stop them at any time, and reply HELP for help (see SMS Communications in section 5).
  • Connected accounts. Agents can disconnect a connected mailbox, calendar or Follow Up Boss account at any time in the app.
  • Cookies. You can block or delete cookies in your browser settings.
  • Privacy signals. We do not sell personal information or share it for targeted advertising, so there is nothing for a Do Not Track or Global Privacy Control signal to turn off. If that ever changes, we will treat a Global Privacy Control signal as a request to opt out.
  • Your account. You can delete your account at any time (Section 7).

7. Deleting Your Account

You can delete your Moea account at any time. When you ask us to delete your account, it is scheduled for deletion and permanently deleted 7 days later. To keep it, sign in again before then and choose Keep profile. Step-by-step instructions are also at moea.com/delete-account.

How to delete your account

  • Home buyers and other Moea members: In the Moea app, open the Menu, tap Settings, then tap "Delete my account" and confirm.
  • Agents and brokers: In the Moea app, open the Menu, tap Security, then tap Delete account, type DELETE and confirm.
  • On the web: Sign in at moea.com/delete-account with your Moea email and password, then choose Delete account.
  • Signed up with Google or Apple: If your account has no password, delete it in the app as described above, or email support@moea.com from the email address on your account and ask us to delete it. We may ask you to confirm the request first.

If something has to be finished first, such as an agent's upcoming tours with clients or handing over a brokerage, Moea tells you before you delete, and the deletion waits until it is done. Subscriptions bought through the App Store or Google Play keep renewing until you cancel them in your store account.

What is deleted

Moea deletes your account and the personal data in it, including the files you stored. A file that cannot be deleted right away is retried automatically until it is gone. This includes:

  • Your profile, contact details and sign-in details.
  • Saved homes, saved searches, watchlists, and your likes and dislikes of homes.
  • Notes, photos and documents you uploaded, and their stored files.
  • Home Buying Assistance applications and their documents, such as birth or disability records, statements and notes, a child's date of birth, and the automated review of the documents. Payment records are kept, as described below.
  • Problem reports and screenshots linked to your account.
  • The record of lender websites you opened from Moea.
  • Your Daft assistant history.
  • For agents, also contacts, email attachments and connected mailboxes.

Location history is not part of the deletion because it never lasts that long: it is removed automatically within 48 hours of being recorded. Problem reports sent from the agent app, or sent without signing in, are not linked to any account, so we cannot find or delete them by account.

What we keep, and why

We keep only the records below. Each is kept because the law or another person's transaction needs it.

Home buyers and other Moea members

  • Contracts and transaction documents. Signed purchase agreements and their copies, offers and counteroffers, amendments, closing and proof-of-funds documents, inspection reports, e-signature records, and signed touring and buyer-agent agreements. They are no longer linked to your account. Why: Real estate and tax law require these records, and the other parties to the transaction hold them too.
  • Home Buying Assistance payments. If a benefit was applied at a closing or paid out: the program, the amount, the dates and the transaction it belongs to. Applications without a payment are deleted entirely. Why: Accounting and tax records.
  • Shared transaction and tour history. Messages and entries inside offers, amendments and tours that other people took part in, with your account removed from them. Why: They are also the other participants' records.
  • Billing records. Invoices and payment records at our payment processor. Why: Tax and accounting law.
  • Partner program and brokerage applications. An anonymised record of the application: its status and dates, and the partner or brokerage identifiers (an anonymised agent ID, the brokerage's requested web address and MLS office identifier). Names, contact details, license numbers, form answers, brokerage rosters, selfies, application PDFs and proof of authority are deleted with their files, and an application still being reviewed is closed. Why: To show that an application was made and how it was decided.
  • A deletion record. The dates and the kinds of data deleted, as counts, with no content and no file names. While a stored file is still being retried, the record holds its storage location until the file is gone. Why: To show that the deletion happened and to finish it.

Agents and brokers

  • An anonymous placeholder. Your profile becomes "Deleted agent", with no email, phone, license, brokerage details or password. Why: Offers, tours, listings and transactions point to it.
  • Transaction files. Offers, purchase agreements, signed documents and signing records, and the client documents kept for a transaction (engagement agreements, purchase agreements, offer and supporting documents). Why: Brokerages must keep transaction files by law, and clients and other agents share them.
  • Listing records. Listings claimed on Moea and the documents attached to them. Where Moea shows a listing's agent, it shows the listing's own MLS agent details instead. Why: Offers, tours and property requests on those listings refer to them.
  • Messages with clients and other parties. Your conversations with the people you worked with. Why: They are also the other participants' records.
  • Consent and brokerage records. Text message consent records, and brokerage membership, access and departure records. Why: The law requires proof of consent, and the brokerage keeps its own history.
  • CRM import audit records. If you took part in importing records from another CRM, such as Follow Up Boss (connecting it, approving, reviewing or cancelling an import, or being matched as a team member in one), the import's audit record keeps your account ID and when each step happened. Why: Each entry in the audit record is sealed to the one before it, so it can prove that an import was authorized and complete. Removing an entry would break that proof.
  • Partner program and brokerage applications. An anonymised record of the application: its status and dates, and the partner or brokerage identifiers (an anonymised agent ID, the brokerage's requested web address and MLS office identifier). Names, contact details, license numbers, form answers, brokerage rosters, selfies, application PDFs and proof of authority are deleted with their files, and an application still being reviewed is closed. An application that another live account of yours still holds stays with that account. Why: To show that an application was made and how it was decided.
  • Billing records. Invoices and payment records at our payment processor. Why: Tax and accounting law.

Deleted information can remain in backup copies for a limited time, until those copies are replaced.

8. How Long We Keep Information

We keep personal information while your account is open and for as long as we need it for the purposes in this policy. After that we delete it or de-identify it, unless the law requires us to keep it longer. In particular:

  • account information: until you delete your account (Section 7);
  • location history: no more than 48 hours;
  • contracts, signed documents and other transaction records: as long as real estate, tax and other laws require, including after an account is deleted;
  • billing records: as long as tax and accounting laws require;
  • text message consent records: as long as the law requires us to be able to prove consent; and
  • the record of a deletion request: to show that we completed it.

9. Security and Storage

We use administrative, technical and physical safeguards to protect personal information, including encryption of information in transit (HTTPS), access controls, and storing passwords only in hashed form. No system is completely secure, so we cannot guarantee the security of your information. If you think your account has been compromised, contact us right away.

We may contact you by email or in the app (never by text message without your separate opt-in) about security, privacy and administrative matters relating to your use of the Services.

The Services are intended for people in the United States. We store and process information in the United States, and our service providers may process it in other countries where they operate.

10. Children

Moea is for adults. You must be at least 18 to use the Services, and we do not knowingly collect personal information from children under 13. If a parent applies for Home Buying Assistance for a new child, the parent gives us the child's birth record, which we use only for that application and delete with the parent's account as described in Section 7. If you believe a child has given us personal information, contact us and we will delete it.

11. Your Privacy Rights

Depending on where you live, you may have the right to:

  • know what personal information we have about you and get a copy of it, including in a portable format;
  • correct inaccurate personal information;
  • delete your personal information;
  • opt out of the sale of your personal information, targeted advertising and certain profiling (we do not do any of these);
  • limit our use of sensitive personal information (we use it only for the purposes the law allows); and
  • not be treated differently for using these rights.

How to make a request. Email support@moea.com from the email address on your account, or write to us at the address in Section 15. You can also delete your account yourself (Section 7). Before we act on a request, we confirm your identity, usually by matching it to your account details, and we respond within the time the law requires (in California, 45 days, which we may extend once as the law allows). If you authorize someone to make a request for you, we may ask for proof of the authorization and ask you to confirm your identity directly.

Appeals. If we decline your request, you can appeal by replying to our decision or by emailing support@moea.com with "Privacy appeal" in the subject line. We will tell you the result and, if we deny the appeal, how to contact your state attorney general.

We do not use personal information for profiling in furtherance of decisions that produce legal or similarly significant effects.

12. Additional Information for California Residents

This section gives California residents the additional information required by the California Consumer Privacy Act, as amended by the California Privacy Rights Act (the "CCPA"). It applies to personal information collected online and offline.

Categories we collect

In the past 12 months we have collected the following categories of personal information, from the sources and for the purposes described in Sections 1 and 2:

  • Identifiers: name, postal address, email address, phone number, account and device identifiers, and IP address.
  • Customer records (California Civil Code section 1798.80(e)): signature, government ID details, financial information such as bank balances and payment records, and medical information in Home Buying Assistance documents.
  • Characteristics of protected classifications: age (date of birth), marital status, veteran or military status and disability, when you give them to us, for example for Home Buying Assistance.
  • Commercial information: homes you view, save, tour or make offers on, your transactions, and your purchases.
  • Internet or other electronic network activity: your searches and use of our websites and app, device information and diagnostics.
  • Geolocation data: precise location, with your permission.
  • Audio, electronic, visual and similar information: voice, photos, videos, and the audio and video of calls, including recordings where recording is turned on.
  • Professional information: for agents and brokers, license numbers, brokerage and business contact details.
  • Inferences: the kinds of homes and places you seem interested in, based on your activity, used to personalize the Services.
  • Sensitive personal information: account sign-in details; government ID details from identity checks; precise geolocation; health information in Home Buying Assistance documents; a selfie, if an identity check asks for one, which Plaid uses to match you to your ID; and the contents of messages, texts and email that you send through Moea or that an agent's connected mailbox holds.

Disclosures for a business purpose

In the past 12 months we have disclosed each category above for business purposes to the companies described in Section 4, for the work described there, and to the people you asked us to share with, such as your agent and others in your transaction.

Sale and sharing

We do not sell personal information for money, and we do not share personal information for cross-context behavioral advertising. We have not done either in the past 12 months, and we do not knowingly sell or share the personal information of consumers under 16. Some of the companies in Section 4, namely ListHub, Google (for its map software and YouTube) and Plaid, also use the information they receive under their own privacy policies, as described there.

Mobile phone numbers collected for text messaging, and text messaging opt-in data and consent, are never sold or shared, including with advertising networks, analytics providers or social networks.

Sensitive personal information

We use and disclose sensitive personal information only for the purposes the CCPA permits, such as providing the Services you ask for, verifying your identity, security and fraud prevention. We do not use it to infer characteristics about you.

Retention

We keep each category for the periods, or on the criteria, described in Sections 7 and 8.

Your California rights

You have the rights described in Section 11: to know the categories and specific pieces of personal information we have collected about you, the categories of sources, our purposes, and the categories of recipients; to correct and delete it; and not to be discriminated against for using these rights. You can make a request, or have an authorized agent make one for you, as described in Section 11.

California "Shine the Light"

We do not disclose personal information to third parties for their own direct marketing purposes.

13. Other U.S. State Privacy Rights

If you live in a state with a consumer privacy law, such as Colorado, Connecticut, Oregon, Texas, Utah or Virginia, you may have the rights described in Section 11, including the right to appeal our decision on your request. We do not sell personal information, use it for targeted advertising, or use it for profiling that produces legal or similarly significant effects. We process sensitive data, such as precise location, identity check details and the health information in Home Buying Assistance documents, only with your consent or as the law otherwise allows.

14. Other Important Information

  • Other websites and apps. The Services link to, and show content from, websites and apps we do not control. Their own privacy policies apply to them.
  • Changes to this policy. We will post any change on this page and update the date at the top. If a change is material, we will also tell you as the law requires, for example in the app or by email.

15. Contact Us

For questions or requests about privacy, contact us:

  • Email: support@moea.com
  • Mail: Moea, Inc., Attn: Legal Dept, 325 Brannon Rd., Cumming, GA 30041

For help with text messages, reply HELP or see Section 5.

Last Updated: September 29th, 2026

Back to top ↑Last Updated: September 29th, 2026

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