1. Introduction
RGA PROPERTIES LLC (hereinafter "RGA Estates," "we," "us," or "our") is committed to protecting the privacy of individuals who visit our website and interact with our services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit www.rgaestates.buzz (the "Site") or engage with our real estate services.
RGA PROPERTIES LLC is a limited liability company organized under the laws of the State of Ohio, with its principal place of business at 5800 Grove City Rd, Grove City, OH 43123-9005, United States.
By using our Site and services, you agree to the practices described in this Privacy Policy. If you do not agree with any part of this policy, please discontinue use of our Site.
2. Information We Collect
We may collect the following categories of personal information when you interact with us:
2.1 Information You Voluntarily Provide
- Contact Information: Full name, email address, phone number, mailing address, and preferred method of contact.
- Inquiry Details: Information about your real estate needs, including property preferences, budget range, timeline, and specific requests submitted through our contact forms or consultation bookings.
- Financial Information: Pre-approval letters, income details, and other financial data you choose to share in connection with property transactions or investment consultations.
- Correspondence: Records of emails, phone calls, and other communications with our team.
2.2 Information Collected Automatically
- Usage Data: Pages visited, time spent on the Site, click patterns, referring URLs, and browsing behavior.
- Device Information: IP address, browser type and version, operating system, device type, and language preferences.
- Cookies & Similar Technologies: We use cookies and tracking technologies as described in Section 6 below.
3. How We Use Your Information
We use the personal information we collect for the following purposes:
- Service Delivery: To respond to your inquiries, schedule consultations, process property transactions, and provide real estate advisory services.
- Communication: To correspond with you about properties, services, appointments, and follow-ups relevant to your interests.
- Personalization: To tailor our website experience, property recommendations, and marketing communications to your preferences.
- Improvement: To analyze website usage, enhance our services, and improve user experience.
- Legal Compliance: To comply with applicable laws, regulations, and legal processes, including real estate disclosure requirements.
- Security: To detect, prevent, and address fraud, unauthorized access, and other security concerns.
4. Legal Basis for Processing (GDPR)
For individuals located in the European Economic Area (EEA), the United Kingdom, or Switzerland, we process your personal data based on the following legal grounds:
- Consent: Where you have provided explicit consent for specific processing activities, such as marketing communications.
- Contractual Necessity: Processing necessary for the performance of a contract with you, such as facilitating a property transaction.
- Legitimate Interests: Processing based on our legitimate business interests, including improving our services, communicating with clients, and maintaining website security, provided such interests are not overridden by your privacy rights.
- Legal Obligation: Processing required to comply with legal and regulatory obligations.
5. Information Sharing & Disclosure
We do not sell your personal information. We may share your information in the following circumstances:
- Service Providers: With trusted third-party vendors who assist us in operating our website, managing communications, processing transactions, and analyzing data. These providers are contractually bound to protect your information.
- Real Estate Partners: With mortgage lenders, title companies, home inspectors, appraisers, and other professionals necessary to complete a real estate transaction — only with your knowledge and consent.
- Legal Requirements: When required by law, court order, or governmental regulation, or to protect the rights, property, or safety of RGA Estates, our clients, or others.
- Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets, with advance notice to you.
6. Cookies & Tracking Technologies
Our Site uses cookies and similar tracking technologies to enhance your browsing experience. Cookies are small text files stored on your device by your web browser.
Types of Cookies We Use:
- Essential Cookies: Necessary for the basic functionality of the Site, such as navigation and form submissions.
- Analytics Cookies: Help us understand how visitors interact with our Site, which pages are most popular, and where improvements can be made.
- Preference Cookies: Remember your settings and preferences for future visits.
You can control and manage cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of our Site.
7. Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption of data in transit using SSL/TLS protocols.
- Secure server infrastructure with restricted access controls.
- Regular security assessments and updates.
- Employee training on data protection best practices.
While we strive to protect your personal data, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.
8. Your Rights (CCPA & GDPR)
8.1 California Residents (CCPA)
If you are a resident of California, you have the following rights under the California Consumer Privacy Act (CCPA):
- Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you.
- Right to Delete: Request deletion of personal information we have collected, subject to certain exceptions.
- Right to Opt-Out: Opt out of the sale of your personal information. We do not sell personal information.
- Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
To exercise any of these rights, please contact us using the information provided in Section 15.
8.2 EEA & UK Residents (GDPR)
If you are located in the EEA or UK, you have the following rights:
- Right of Access: Request access to the personal data we hold about you.
- Right to Rectification: Request correction of inaccurate or incomplete data.
- Right to Erasure: Request deletion of your personal data, subject to legal retention requirements.
- Right to Restrict Processing: Request restriction of how we process your data.
- Right to Data Portability: Request transfer of your data to another service provider.
- Right to Object: Object to processing based on legitimate interests or for direct marketing purposes.
You may lodge a complaint with your local data protection authority if you believe your rights have been violated.
9. Data Retention
We retain your personal information only as long as necessary to fulfill the purposes described in this Privacy Policy, or as required by applicable law. The retention period varies depending on the nature of the information and the services provided:
- Inquiry and contact information: Retained for up to 3 years following the last interaction, unless a longer period is required for transaction records.
- Transaction records: Retained in accordance with real estate and tax record-keeping requirements (typically 7 years).
- Marketing preferences: Retained until you withdraw consent or opt out.
When personal information is no longer needed, we securely destroy or anonymize it.
10. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately, and we will take steps to delete such information promptly.
11. International Data Transfers
Your personal information may be transferred to and processed in countries other than your country of residence, including the United States. When we transfer data from the EEA, UK, or Switzerland to the United States, we rely on appropriate safeguards such as Standard Contractual Clauses (SCCs) approved by the European Commission.
12. Third-Party Links
Our Site may contain links to third-party websites or services that are not owned or controlled by RGA Estates. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party websites you visit.
13. Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. Changes will be effective immediately upon posting to our Site. We will notify you of material changes by updating the "Last updated" date at the top of this page and, where appropriate, by other means of communication.
We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.
14. Developer Information
This website is operated on behalf of RGA Estates, a brand of RGA PROPERTIES LLC. The developer of this Site is RGA Estates, established in Grove City, Ohio. For all inquiries regarding the operation of this website, the processing of personal data, or our real estate services, please refer to the contact details in Section 15 below.
15. Contact Information
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
We will acknowledge receipt of your privacy request within 10 business days and respond substantively within the timeframe required by applicable law.