Privacy Policy.

Accountable Financial Management Corp, operating as AFMC NY (“AFMC NY,” “we,” “us,” or “our”), is a licensed New York State real estate brokerage (License #109913614). We are committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website at afmcgroup.com (the “Site”) or interact with our services.

By using the Site, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Site.

1. Information We Collect

Information You Provide Directly

When you submit a contact form, property inquiry, newsletter signup, or schedule a consultation, we collect information you voluntarily provide, including:

• Name (first and last)
• Email address
• Phone number
• Message content and inquiry details
• Property preferences (price range, neighborhood, property type)
• Subject line or service interest

Information Collected Automatically

When you visit the Site, we and our third-party service providers automatically collect certain technical data, including:

• IP address and approximate geographic location
• Browser type, version, and operating system
• Pages viewed, time spent on pages, and referring URLs
• Device type and screen resolution
• Date and time of visits

2. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience and analyze usage patterns. You may control your cookie preferences at any time via the cookie consent banner or by clicking “Cookie Settings” in the footer.

Types of Cookies We Use

• Essential Cookies: Required for core site functionality such as navigation, security, and form submission. These cannot be disabled.
• Analytics Cookies: Collect anonymous data about how visitors interact with the Site (e.g., pages visited, session duration). We use Vercel Analytics for this purpose.
• Marketing Cookies: Used by third-party platforms (including HubSpot) to track conversions and deliver relevant advertising. You may opt out by managing preferences in our cookie banner.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Responding to your inquiries and providing real estate services
• Sending market updates, newsletters, and property alerts (with your consent)
• Scheduling showings, consultations, and property tours
• Improving the Site, identifying technical issues, and monitoring performance
• Complying with legal and regulatory obligations under New York State law
• Detecting, preventing, and addressing fraud, spam, or security threats
• Maintaining records required under real estate licensing regulations

We do not sell, rent, or trade your personal information to third parties for their independent marketing purposes.

4. How We Share Your Information

We may share your information with the following categories of recipients:

• HubSpot, Inc.: We use HubSpot CRM to manage contacts and customer communications. Information you submit through our forms is transmitted to HubSpot and stored in our CRM account. HubSpot's privacy policy is available at hubspot.com/legal/privacy-policy.
• n8n (Workflow Automation): We use n8n to automate internal workflows, including lead notifications. Data may be processed through our private n8n instance hosted at drwelch.app.n8n.cloud.
• Vercel, Inc.: Our Site is hosted on Vercel, which collects server logs and performance data. Vercel's privacy policy is available at vercel.com/legal/privacy-policy.
• Legal Compliance: We may disclose information when required by law, court order, or government authority, or when necessary to protect the rights, property, or safety of AFMC NY, our clients, or the public.
• Professional Advisors: Attorneys, accountants, or other professionals under confidentiality obligations, as needed.
• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

5. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required by law. Specifically:

• Contact and inquiry records: up to 7 years, consistent with New York real estate recordkeeping requirements
• Newsletter subscriber data: until you unsubscribe or request deletion
• Analytics data: as configured in Vercel Analytics (typically 90 days)
• Cookie consent records: 90 days from the date of consent

6. Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Our Site uses HTTPS encryption for all data transmissions. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee the absolute security of your information.

If you believe your information has been compromised, please contact us immediately at derrick.welch@afmcmoney.biz.

7. Your Rights — California Residents (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you the following rights:

• Right to Know: You may request that we disclose the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You may request that we delete your personal information, subject to certain exceptions.
• Right to Opt-Out of Sale: We do not sell personal information. If this practice changes, we will provide an opt-out mechanism.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To submit a CCPA request, email us at derrick.welch@afmcmoney.biz with the subject line “CCPA Privacy Request.”

8. Your Rights — New York Residents

New York residents have rights under the NY SHIELD Act and other state privacy laws. You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate personal information
• Request deletion of your personal information, subject to legal retention requirements
• Opt out of marketing communications at any time

In the event of a security breach affecting your personal information, we will notify you as required by New York law.

9. Your Rights — European Residents (GDPR)

If you are located in the European Economic Area, United Kingdom, or Switzerland, the General Data Protection Regulation (GDPR) or equivalent legislation may apply to your personal information. You have the right to:

• Access: Obtain a copy of the personal data we hold about you.
• Rectification: Request correction of inaccurate or incomplete data.
• Erasure: Request deletion of your personal data (“right to be forgotten”).
• Restriction of Processing: Request that we limit how we use your data.
• Data Portability: Receive your data in a structured, machine-readable format.
• Objection: Object to processing based on legitimate interests or for direct marketing.
• Withdraw Consent: Withdraw consent at any time where processing is based on consent.

Our legal bases for processing are: (a) consent (for newsletters and marketing cookies); (b) performance of a contract (for providing real estate services); and (c) legitimate interests (for fraud prevention and security). To exercise GDPR rights, contact us at derrick.welch@afmcmoney.biz.

10. Children's Privacy

Our Site is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will take steps to delete that information promptly. If you believe we have collected such information, please contact us immediately.

11. Third-Party Links

Our Site may contain links to third-party websites, including MLS listing platforms, social media channels, and partner services. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies before providing any personal information.

12. Do Not Track

Some browsers send “Do Not Track” (DNT) signals to websites. Because there is no consistent industry standard for responding to DNT signals, our Site does not currently alter its data collection practices in response to DNT signals. You may control tracking through our cookie consent banner.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the effective date at the top of this page. We encourage you to review this Policy periodically. Your continued use of the Site after any changes constitutes acceptance of the updated Policy.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: