Privacy Policy.

Effective: April 27, 2026 · Last updated: April 27, 2026

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The Art of Underwriting, LLC ("The Art of Underwriting," "we," "us") respects your privacy. This policy explains what information we collect, how we use it, and the choices you have. It applies to theartofunderwriting.com and construction.theartofunderwriting.com, the "Art of Underwriting — Ground-Up Construction Course" program, our email and SMS communications, and any in-person events we host. If you don't agree with this policy, please don't use our site or program.

1. Scope & who this applies to

This policy covers anyone who: (a) visits our website, (b) submits a form on our site (apply, exit-intent, contact, newsletter), (c) enrolls in our program, (d) attends one of our events, or (e) corresponds with us by email, phone, or SMS.

2. Information we collect

2.1 Information you give us directly

  • Application data: name, email, phone, professional background, real-estate experience level, format preference (Remote vs Hybrid), and any free-text answers you provide.
  • Lead-magnet sign-ups: email address (and any optional fields).
  • Payment data: if you enroll, billing details processed by our payment processor (Stripe). We do not store full credit card numbers.
  • Course submissions: models, deal materials, recordings of live sessions, and Q&A you participate in.
  • Communications: emails, SMS, and call notes.

2.2 Information collected automatically

  • Device & browser data: IP address, user-agent, OS, device type, referrer URL.
  • Usage data: pages viewed, time on page, click events, form abandonment, exit-intent triggers.
  • Cookies & similar technologies: see section 5.

2.3 Information from third parties

  • Payment processor (Stripe): transaction confirmations and fraud-screening signals.
  • Analytics providers: aggregated traffic data.
  • Public sources: if you appear in cohort #-related communications, we may verify professional details from your LinkedIn or company website.

3. How we use your information

We use your information for the following purposes — and only these:

  • Run the program. Process applications, deliver curriculum, schedule sessions, grade deliverables, manage the alumni community.
  • Process payments. Charge tuition through Stripe, issue refunds, send receipts.
  • Communicate with you. Respond to inquiries, send course-related emails, deliver the 30-Day Practice-to-Success campaign, send program updates.
  • Marketing (with consent). Send occasional newsletters, cohort announcements, or invitations to events. You can unsubscribe at any time.
  • Improve the program. Analyze which lessons land, where students get stuck, and how to improve next cohort.
  • Comply with the law. Tax records, fraud prevention, legal process.
  • Security. Detect and prevent abuse of our site, accounts, or curriculum materials.

Legal bases (GDPR/UK): performance of contract (program delivery), consent (marketing), legitimate interest (analytics, security), and legal obligation (tax, compliance).

4. How we share information

We share information only with the following parties, and only as necessary:

  • Service providers who run pieces of our infrastructure: payment processor (Stripe), email service (SendGrid), analytics (Plausible / Vercel Analytics — privacy-first), file storage (Google Workspace), CRM (HubSpot or equivalent).
  • Legal & safety: when required by law, subpoena, or to protect our rights, property, or safety, or that of another person.
  • Successors: in the event of a merger, acquisition, or sale of substantially all assets, your information may transfer — subject to this policy.

We do not sell your personal information. We do not share it with advertisers. We do not enable third-party advertising trackers.

5. Cookies & tracking

We keep our cookie use minimal:

  • Essential cookies: required for site operation (e.g., remembering you've dismissed the exit modal).
  • Analytics cookies: a privacy-respecting first-party analytics signal (no cross-site tracking).

We do not run Facebook Pixel, Google Ads pixels, LinkedIn Insight Tag, or other cross-site advertising trackers on our marketing pages. If we ever change that, this policy will be updated and we'll surface a clear cookie banner.

You can disable cookies in your browser; some features (like remembering exit-intent dismissal) won't work as smoothly without them.

6. Retention & deletion

We hold information only as long as we need it:

  • Application data (declined): 12 months, then deleted.
  • Active student records: for the duration of the cohort + lifetime alumni access.
  • Financial records: 7 years (US tax-record requirement).
  • Marketing list: until you unsubscribe (one-click).
  • Course recordings: retained for the lifetime of the alumni network. You can request your face/name redacted from any recording.

You can request deletion of your data at any time — see your rights below.

7. Your rights (GDPR, CCPA, and U.S. state laws)

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

  • Access the personal information we hold about you.
  • Correct inaccurate information.
  • Delete your information ("right to be forgotten").
  • Port your information to another service.
  • Object to certain processing (e.g., marketing).
  • Withdraw consent at any time without affecting prior processing.
  • Opt out of "sale" or "sharing" of personal information (CCPA — note we don't do either).
  • Lodge a complaint with your data-protection authority.

To exercise any of these rights, email support@theartofunderwriting.com. We respond within 30 days. We may need to verify your identity before fulfilling certain requests.

8. Security

We use industry-standard technical and organizational safeguards: TLS encryption in transit, encrypted storage at rest for sensitive data, access controls limiting employee access on a need-to-know basis, regular security review of our service providers. No system is 100% secure. If a breach affects your information, we will notify you and the relevant authorities within the timeframes required by law.

9. Children

Our program is for working adults. We do not knowingly collect personal information from children under 16. If you believe a child has submitted information to us, please contact us and we will delete it promptly.

10. International users

We are based in the United States. If you access our site from outside the U.S., understand that your information will be transferred to and processed in the U.S. For EU/UK users: we rely on Standard Contractual Clauses where applicable.

11. Changes to this policy

We update this policy when our practices change or when the law requires it. We'll update the "Last updated" date at the top of this page and — for material changes — notify you by email if you're an active student or subscribed to our list.

12. Contact us

Questions, requests, or complaints? Reach us at:

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