Novora Communities, LLC Privacy Policy

Effective Date of Privacy Policy: May 23, 2025

This web application (the “Platform”), operated by Novora Communities, LLC (“Novora” or “we” or “us”), is governed by this privacy policy (the “Privacy Policy”). The Privacy Policy describes our privacy practices for the Platform and applies to all personally identifiable information (collectively, “Personal Information”) and other information that is collected by Novora through the Platform or which we maintain in our possession. This Privacy Policy applies when you use the Platform, access products or services that link to this Privacy Policy, engage with us via social media or similar means, or otherwise interact with us. In the event of a conflict between this Privacy Policy and any other Terms & Conditions, this Privacy Policy applies.

What Information Do We Collect?

We collect Personal Information from you when you:

  1. Communicate with us via email, telephone, mail, social media, or other method;
  2. Apply for a program; or
  3. Otherwise provide us with your Personal Information.

Personal Information we collect may include, without limitation:

  • name
  • email address
  • phone number
  • address
  • social security number
  • employment
  • customer service requests
  • financial information
  • bank information, including but not limited to account information and transaction information
  • username and password (if applicable)

We may use a third-party provider to store your data and process payments, such as Stripe, and that third party may receive and store your Personal Information, in which case the privacy practices of that third party apply to such Personal Information (for example, see the Stripe Privacy Policy). This sharing, when done, is necessary for our services and permitted under federal law without requiring opt-out consent. We may request additional information to verify your identity in certain instances.

Financial information, such as bank account details, is collected primarily to process payments and determine eligibility for certain services but not for credit reporting. If we use your financial information to determine eligibility for services, we will comply with the Fair Credit Reporting Act, including providing notice if we take adverse action based on a consumer report.

By voluntarily providing us with Personal Information, you are consenting to our use of it in accordance with this Privacy Policy, including without limitation, receiving communications regarding products and services we offer, or our partners offer. If you provide Personal Information to us via the Platform, you acknowledge and agree that such Personal Information may be transferred from your current location to the offices and servers of Novora and the authorized third parties referred to herein for the purposes described in this Privacy Policy.

Cookies

We may use cookies or web beacons to collect the information described above. A cookie is a small text file that may be stored on the hard drive of your computer when you access the Platform. We may also use cookies to: (1) monitor Platform usage; (2) conduct research to improve our content and services; and (3) track items in a shopping cart (if any) in order to return you to the correct re-entry page on the Platform after a payment. You may change your web browser’s settings to adjust your cookie preferences. Check the “Help” menu of your browser to learn how to change your cookie preferences. We may also offer you the option of rejecting non-essential cookies. Certain functions of the Platform may be dependent upon your acceptance of cookies.

Third-Party Web Analytics Services

We may use third-party web analytics services on the Platform and in communications we send to you. The service providers that administer these services also use technologies such as cookies, web server logs, web beacons, and similar technologies to help us analyze how you use the Platform and our emails.

Use of Information

We may use the Personal Information and non-personal information we collect from and about you for any of the following purposes:

  1. to fulfill your requests for products and services;
  2. to contact you when necessary (e.g. providing efficient customer service);
  3. communicate with you about changes to our policies;
  4. maintain or administer the Platform, perform business analyses, or for other internal purposes to optimize or improve the quality of our business, the Platform, and the products and services we offer;
  5. to address problems with the Platform, our business, or our products and services;
  6. detect, investigate, and prevent activities that may violate our policies, be illegal, or damage the Platform, our business, or others’ businesses;
  7. as otherwise described to you at the point of collection or pursuant to your consent.

Disclosure of Personal Information

We may disclose your Personal Information and other non-identifiable information to the following parties:

  1. Affiliates, Employees, and Independent Contractors: We may share your Personal Information with our employees, independent contractors, subsidiaries, affiliates, consultants, business associates, service providers and suppliers, if the disclosure will enable any of these individuals or entities to perform a business, professional, fulfillment, marketing, information technology, or technical support function for us.
  2. Third-Party Service Providers: We may share your Personal Information with third-party service providers that perform functions on our behalf. These entities may have access to your Personal Information only as needed to perform their functions. These may be organizations such as Stripe for payment processing, common carriers such as UPS, or web hosting services such as Microsoft Azure.
  3. Customers: We may include in reports and share your Personal Information in a non-personally identifiable and/or aggregated format with customers of Novora (including, but not limited to: Novora owners, property owners, lenders, or landlords) which they may use for research, marketing, evaluation of specific properties, properties in certain areas, compliance with applicable law, or other lawful purposes.
  4. Other Third-Parties, as Required By Law or In Emergency Situations: We may also use or disclose Personal Information if required to do so by law or in the good-faith belief that such action is necessary to: (a) conform to applicable law or comply with legal process or a discovery request served on us or the Platform; (b) protect and defend our rights or property, the Platform or our users; or (c) act under emergency circumstances to protect the personal safety of us, our affiliates, agents, or the users of the Platform or the public.
  5. Other Parties in Connection With a Transaction: We may change our ownership or corporate organization while providing the Platform. We may also sell certain assets associated with the Platform. In such event(s), we may transfer some or all of your Personal Information to an organization or individual acquiring all or part of our assets, or to an organization with which we have merged or that has otherwise acquired our business.
  6. Other Parties With Your Consent: We may share Personal Information about you with other third parties when you consent to such sharing. In addition to the disclosures above, we may disclose non-Personal Information to third parties, such as aggregate Platform usage data or demographic reports that do not describe or identify individual users.

To opt out of the disclosure of your Personal Information to third parties, please contact help@novoracommunities.com with “Privacy Opt Out” in the subject line. Please note we will honor your request except as necessary to fulfill a conflicting request from you (e.g. If you have requested to not store your bank account info but would like to pay online).

Retention of Personal Information

We may retain Personal Information for as long as needed to carry out the purpose for which we originally collected the Personal Information, to facilitate and maintain an ongoing business relationship with you, for purposes provided in this Privacy Policy, or as permitted by applicable law. The criteria used to determine our retention periods may include:

  1. An ongoing relationship with you as an applicant, customer, or constituent of Novora (e.g. you maintain an account with us, are in an ongoing contractual relationship, or have recently communicated with us in some manner) or user of the Platform;
  2. If there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them);
  3. Whether retention is advisable when considering our legal position or the legal position or safety of a relevant third party (such as in regard to applicable statutes of limitations, litigation or regulatory investigations, discovery requests from third parties, etc.); or
  4. For other purposes as provided in this Privacy Policy.

We retain payment information for at least 7 years to comply with tax obligations, and account information for as long as your account remains active or as needed to provide services. Once no longer needed, we securely dispose of your Personal Information using industry-standard methods, as required by law.

Children’s Privacy

We do not direct the Platform to, nor do we knowingly collect or maintain any Personal Information from, children under the age of thirteen (13). If we have unknowingly collected Personal Information from a child under the age of thirteen and you are the child’s parent or legal guardian, please contact us at help@novoracommunities.com to request that we remove such Personal Information.

Children under the age of eighteen (18) or their legal guardians in certain jurisdictions may also have additional privacy rights. Please see the “U.S. State Privacy Rights” section below.

Security and Electronic Communication

We use industry-standard encryption to protect data in transit, and to the extent that we store sensitive information, like bank details, it is stored in encrypted databases with restricted access. While no system is fully secure, we take reasonable steps to safeguard your information.

Notwithstanding the foregoing, the privacy of communication over the Internet cannot be guaranteed, because the Internet is not a secure medium. Thus, we cannot ensure or warrant the security of any information you transmit to us. Therefore, you agree that we are not responsible for any harm, loss, or damage you may incur by the sending of Personal Information or other confidential information over the Internet to us, and you agree that such communications are made at your own risk.

Third-Party Content and Links to Third-Party Websites

The Platform may contain content hosted or served by third parties or link to websites operated by third parties. Please be advised that the practices described in this Privacy Policy do not apply to information gathered by these third parties. We are not responsible for the actions and privacy policies employed by any third party, and our hosting of third-party content or linking to third-party websites does not constitute an endorsement of the content or business practices of those third parties.

Governing Law

While we make a good faith effort to comply with local data protection and consumer rights laws to the extent they may apply to our services, the Platform is published in the United States and is primarily targeted to United States citizens.

If you are uncertain whether this Privacy Policy conflicts with the applicable local privacy laws where you are located, you should not submit your Personal Information to Novora. This Privacy Policy and its terms shall be governed and construed in accordance with the laws of the United States and the State of Georgia without regard to the conflicts of laws provisions therein. Any claim or dispute related to this Privacy Policy or the privacy practices of Novora must be brought in the federal or state courts of Fulton County, Georgia USA, and the parties each hereby submit to the personal jurisdiction thereof.

Transfer of Data to the United States

If you are located outside the United States of America, you should be aware that your Personal Information may be transferred to the United States of America. If you are located in a country outside the United States of America and voluntarily submit Personal Information to us on the Platform, you thereby consent to the general use of such information as provided in this Privacy Policy and to the transfer of that information to, and/or storage of that information in, the United States of America. Depending on the nation of your citizenship or residence, you may be entitled to certain other privacy rights.

Changes to This Privacy Policy

We may make changes to this Privacy Policy from time to time. If we implement any such changes, we will notify you by updating the effective date appearing at the top of this page. We may also notify you by other means such as email or a statement on the Platform indicating we have changed the terms of this Privacy Policy. Your continued use of our Platform following the posting of changes to these terms will mean you accept those changes. Use of information (including Personal Information) we gather or that is in our possession is subject to the Privacy Policy as in effect at the time of collection.

Do Not Track

The Platform may not respond to the Do Not Track setting of your web browser.

U.S. State Privacy Rights

Certain states within the United States have enacted their own privacy laws granting their residents certain rights in their Personal Information. These laws vary by state and may or may not apply. If you live in a state whose privacy law governs our collection or processing of your Personal Information, you may have the right to: (1) request to know your Personal Information we possess and access your Personal Information; (2) request that we delete your Personal Information, (3) request that we correct any inaccuracies in your Personal Information, and (4) not be discriminated against for exercising these rights granted to you under relevant privacy laws. States whose privacy law may be applicable include California, Colorado, Connecticut, Utah, and Virginia (other states may also be added as new laws become effective). If you are curious if your state’s law governs our processing of your Personal Information, please contact us at help@novoracommunities.com with “State Privacy Request” in the subject line.

California Privacy Rights for California Residents

Shine The Light: Under California’s "Shine the Light" law, California residents who provide Personal Information in obtaining products or services for personal, family, or household use are entitled to request and obtain from us once a calendar year information about the Personal Information we shared, if any, with other businesses for their own direct marketing uses. If applicable, this information would include the categories of Personal Information and the names and addresses of those businesses with which we shared Personal Information for the immediately preceding calendar year (e.g., requests made in 2025 will receive information regarding 2024 sharing activities).

If you are a California resident wishing to exercise any of these rights, please send an email message to help@novoracommunities.com with "Request for California Privacy Information" in the subject line and in the body of your message. The requested information, if required by law, will be provided to you at your email inbox.

Rights of European Union and United Kingdom Residents

Novora does not market its services to residents of the European Economic Area and therefore the European Union’s General Data Protection Regulation (GDPR) will not apply in most instances. However, for those visitors to our Platform to whom GDPR or the United Kingdom’s version of GDPR (UK GDPR) applies, the processing of your Personal Information is governed by such laws. This section provides information regarding the rights these laws grant to E.U. and U.K. residents, respectively and the responsibilities of Novora under such regulations.

EU/UK User Rights

If GDPR or UK GDPR applies to you and you submit your Personal Information to us or we otherwise collect Personal Information about you as defined by relevant law, you have the following rights regarding how we manage your Personal Information. For purposes of this “EU/UK User Rights” section, “Personal Information” means Personal Information, as the term is defined above in this Privacy Policy, as well as any information which Novora may link or otherwise connect with your account or identity. To exercise the rights provided below, please submit your request to help@novoracommunities.com with the subject “EU Privacy Request” or “UK Privacy Request.”

  1. Explanation and access to your Personal Information: You have the right to be informed about your Personal Information that Novora has in its possession. You also have the right to request a copy of all Personal Information in Novora’s possession if Novora collected such Personal Information based on consent or because it is required to provide a service that you requested from us.
  2. Data Deletion: You may request the deletion of your account and all Personal Information in our possession. Novora may retain certain Personal Information if required by law or for legitimate business purposes as permitted by GDPR.
  3. Data Correction: If you believe Personal Information in Novora’s possession is inaccurate, you may request correction of such Personal Information.
  4. Objections: You may object to Novora’s processing of your Personal Information (including for marketing purposes) based on profiling or automated decision-making. However, Novora may continue to process your Personal Information if it is doing so in accordance with GDPR regulations. You may file a complaint with the appropriate European governmental agency if you believe Novora’s management of your Personal Information is not in accordance with GDPR.

Grounds for Processing Personal Information

  1. Consent: Novora may collect and use your Personal Information based on your consent. You may revoke your consent at any time but doing so will prevent you from accessing any service or feature that requires collection or use of the Personal Information Novora collected or used based on consent. Novora relies on consent in connection with data collections or uses of Personal Information that are necessary to enhance the user experience, to enable optional services or features, or to communicate with you.
  2. To provide certain services you request: To provide you with certain services that you request from Novora, we may collect and use Personal Information such as, for example: (i) information necessary for your account or user profile, for communicating with you, for verifying your identity, to fulfill orders for products or services, or to make or receive payments; (ii) transaction information about a specific transaction you have initiated with Novora; or (iii) usage information, which is necessary to maintain, optimize, and enhance Novora's services, such as products or features on our website which generate greater traffic.
  3. Compliance with legal obligations, protecting the vital interests of a third party or general public: Novora may process or disclose Personal Information to comply with a legal investigation, or at the request of law enforcement, or if there is a threat to the safety or property of another person, or if there is a substantial public interest.
  4. Necessary for Novora’s legitimate interests: such as, for example: (i) to prevent, detect and combat fraud in connection with the use of our services; (ii) to provide customer support; (iii) to optimize our service and develop new services; (iv) for research and analytical purposes, including, for example, analyzing usage trends to improve the user experience; (v) for direct marketing purposes, including, for example, analyzing data to identify trends and tailor marketing messages to user needs; or (vi) to enforce Novora’s Terms of Use.

How To Contact Us

If you have any questions about this Privacy Policy, please contact us at the following link:
https://www.novoracommunities.com/home/privacy