Appraveo Privacy Policy
Effective Date: April 7, 2026 Last Updated: April 7, 2026 Governing Law: State of Maryland, United States
1. Introduction
Appraveo, LLC ("Appraveo," "we," "us," or "our") is a software-as-a-service platform located in Ocean City, Maryland, operated by Wolff Creative. Appraveo provides products and services — including NarrativeAI, Academy, Intel, Sites, Check, and CRM — exclusively to licensed real estate appraisers operating in the United States.
This Privacy Policy describes how we collect, use, store, share, and protect personal information when you access or use valuwolf.com and any Appraveo product ("Services"). It also describes your rights regarding that information.
By creating an account or using any Appraveo Service, you acknowledge you have read and understood this Privacy Policy. If you do not agree, do not use the Services.
1.1 Gramm-Leach-Bliley Act (GLBA)
Real-estate appraisers may be treated as covered financial institutions under the FTC Privacy Rule (implementing the Gramm-Leach-Bliley Act). Appraveo's data handling practices — including encryption in transit and at rest, role-based access controls, and data minimization — are designed to support appraisers' GLBA obligations. Appraveo does not independently determine an appraiser's regulatory status under GLBA.
2. Who This Policy Applies To
Appraveo Services are intended solely for licensed real estate appraisers in the United States. We do not knowingly collect information from individuals under the age of 18.
3. Information We Collect
3.1 Account Registration Data
- Full name
- Business name (sole proprietorship or firm)
- Business email address
- Phone number (optional)
- State appraiser license number and state of licensure
- Password (stored in hashed form; we do not store plaintext passwords)
3.2 Payment Information
Payments are processed by Stripe, Inc., a PCI DSS-compliant payment processor. Appraveo does not store credit card numbers, CVV codes, or bank account details on our servers.
3.3 Product-Specific Usage Data
The information you submit varies by product. NarrativeAI does not require, and you should not input, USPAP (2024 Edition, effective January 1, 2024, open-ended)-confidential information. See Section 6 for the full USPAP 2024 Edition Confidentiality Warning.
3.4 Automatically Collected Data
- IP address
- Browser type and version
- Operating system
- Pages visited, features used, and clicks within the platform
- Session duration and timestamp data
- Cookie identifiers (see Section 12)
4. How We Use Your Information
| Purpose | Legal Basis | Categories of Data Used |
|---|---|---|
| Create and maintain your account | Contract performance | Account registration data |
| Deliver and operate the Services | Contract performance | All product-specific data |
| Process payments and manage billing | Contract performance | Payment information |
| Provide customer support | Legitimate interest | Account data, communications |
| Send transactional emails | Contract performance | Email, name |
| Send marketing emails (with opt-out) | Consent / Legitimate interest | Email, name |
| Improve and develop products | Legitimate interest | Aggregate, de-identified usage patterns |
| Detect and prevent fraud | Legitimate interest | Account data, IP, session data |
| Comply with legal obligations | Legal obligation | As required |
We do not use personal information to make automated decisions with legal or similarly significant effects on users.
5. AI and Machine Learning
5.1 How AI Features Work
NarrativeAI uses large language model APIs provided by third-party AI providers to generate draft narrative content. When you submit a prompt or property data, that input is transmitted to the AI provider's API for processing and the response is returned to you.
5.2 Your Data Is Not Used to Train Third-Party Models
Appraveo will not use your input data to train third-party AI models without your explicit, affirmative opt-in consent. Our agreements with AI API providers prohibit those providers from using API-submitted data to train their foundation models.
5.3 Aggregate Usage Patterns
Appraveo may use aggregate, de-identified usage patterns to improve our platform features and develop new capabilities. This data cannot reasonably be used to identify any individual appraiser.
5.4 Appraiser Authorship
Appraiser-authored content — including any edits, modifications, additions, or final report text derived from Appraveo output — belongs to the appraiser. Appraveo does not claim any ownership or intellectual property rights in the content of appraisal reports you produce using our tools.
6. USPAP 2024 Edition Confidentiality Warning
This section is specifically directed to licensed real estate appraisers using Appraveo Services.
The USPAP 2024 Edition Ethics Rule — Confidentiality section — prohibits appraisers from disclosing confidential assignment information without client permission.
Appraveo instructs all users: do not input USPAP 2024 Edition-confidential information into any Appraveo product, including NarrativeAI, Check, Intel, or CRM, unless you have obtained your client's written authorization.
Specifically, you should not enter into NarrativeAI or Check:
- Client name or lender name tied to a specific assignment
- Borrower name or personal identifiers
- Loan number or case number
- Your value conclusion for an active assignment
- Any other information your client has designated as confidential
Appraveo is not responsible for any USPAP 2024 Edition violation, license sanction, or professional discipline resulting from information you choose to input into the platform.
7. Data Sharing
Appraveo does not sell your personal information. We do not rent, trade, or share your personal information with AMCs, lenders, GSEs, government agencies, or data brokers for their own commercial purposes.
We share your information only with service providers who perform services on our behalf, when required by law, or in connection with business transfers.
8. Data Retention
| Data Category | Retention Period |
|---|---|
| Account registration data | Duration of account + 3 years |
| Payment records | 7 years (tax compliance) |
| NarrativeAI session data | Duration of account + 2 years |
| Academy course records | Duration of account + 5 years |
| Intel assignment data | Duration of account + 3 years |
| Sites content and analytics | Duration of subscription; deleted within 90 days of cancellation |
| CRM client data | Duration of account; deleted within 60 days upon request |
| Server and access logs | 12 months rolling |
9. Security
We implement administrative, technical, and physical safeguards including TLS 1.2+ encryption in transit, AES-256 encryption at rest, multi-factor authentication for production systems, and one-way password hashing (bcrypt or equivalent).
No security system is impenetrable. If you believe your account has been compromised, contact security@valuwolf.com.
10. Your Rights
10.1 Rights for All Users
- Access: Request a copy of personal information we hold about you
- Correction: Request correction of inaccurate information
- Deletion: Request deletion, subject to legal retention obligations
- Portability: Request your data in a structured, machine-readable format
- Withdraw consent: Where processing is based on consent, withdraw at any time
To exercise these rights, email privacy@valuwolf.com.
10.2 California Residents — CCPA/CPRA Rights
Appraveo does not sell or share your personal information for cross-context behavioral advertising. To submit a California privacy request, email privacy@valuwolf.com with "California Privacy Request" in the subject line.
10.3 EU and UK Residents — GDPR Rights
If you are located in the EU or UK, you have additional rights under the GDPR including the right to erasure, restriction of processing, data portability, and the right to object.
11. Email Marketing and CAN-SPAM Compliance
All commercial email from Appraveo complies with the CAN-SPAM Act. Every marketing email includes a functioning unsubscribe mechanism. To unsubscribe, click "Unsubscribe" in any marketing email or email privacy@valuwolf.com.
12. Cookies and Tracking Technologies
We use strictly necessary, functional, analytics, and marketing cookies. Appraveo does not use third-party advertising cookies or behavioral retargeting cookies from ad networks. You can control cookie behavior through your browser settings.
13. Children's Privacy
We do not knowingly collect personal information from anyone under the age of 18. Contact privacy@valuwolf.com if you believe we have inadvertently collected information from a minor.
14. Third-Party Links
Appraveo products may contain links to third-party websites. This Privacy Policy does not apply to those sites.
15. Changes to This Policy
For material changes, we will provide at least 30 days' notice before the effective date. Continued use after the effective date constitutes acceptance.
16. Contact Information
Email: privacy@valuwolf.com
For security incidents: security@valuwolf.com
For the full unabridged document, contact legal@valuwolf.com.
This Privacy Policy is governed by the laws of the State of Maryland, United States.
Copyright 2026 Wolff Creative / Appraveo. All rights reserved.