Privacy Policy

1. About this policy

This Privacy Policy describes how TICX Pty Ltd (ACN 611 857 875), trading as tic.exchange ("we", "us", "our"), collects, uses, stores, and discloses personal information when you use the tic.exchange platform, located at tic.exchange and associated domains.

tic.exchange is operated by TICX Pty Ltd, an Australian-registered company. Our platform is primarily directed at users in the United States. We comply with applicable US federal and state privacy laws, including the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) for California residents, and applicable provisions of the Children's Online Privacy Protection Act (COPPA).

By using tic.exchange, you consent to the collection and use of your personal information as described in this policy.

2. What information we collect

We collect personal information that you provide directly to us, including:

• Name, email address, and phone number when you register, submit an enquiry, or list a TIC share
• Real estate license number and agency details if you register as a licensed agent
• Bid offer amounts and associated contact details when you submit a bid
• Property details, financial information, and loan enquiry details you choose to provide
• Email address when you register for bid alerts on a listing
• Payment information processed by Stripe — we do not store credit card details directly

We also collect certain information automatically when you visit the platform, including IP address, browser type, device type, pages visited, time spent on pages, and referring URLs, through standard web server logs and analytics tools.

3. How we use your information

We use your personal information to:

• Forward bid offers to the relevant vendor or their listing agent
• Send bid alert emails to registered users when new bids are submitted on a listing
• Connect loan enquiries with registered TIC-specialist lenders
• Process and manage listing submissions, payments, and renewals
• Respond to contact form enquiries and provide customer support
• Maintain the security and integrity of the platform
• Comply with legal obligations under applicable US federal and state law

We do not use your personal information for direct marketing without your consent, and we do not sell your personal information to third parties.

4. Disclosure of your information

We disclose your personal information only in the following circumstances:

• To vendors and agents — when you submit a bid offer, your name, contact details, and bid amount are shared with the vendor or their listed agent to progress the transaction
• To lenders — when you submit a loan enquiry, your details may be shared with registered TIC-specialist lenders whose criteria match your requirements
• To service providers — we use trusted third-party services including Supabase (database hosting), Stripe (payment processing), and email delivery providers, all of whom are bound by confidentiality obligations and data processing agreements
• Where required by law — we will disclose information where required by applicable US federal or state law, court order, subpoena, or government authority
• Business transfers — in the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to equivalent privacy protections

5. Data storage and security

Your personal information is stored on secure servers provided by Supabase, Inc., hosted on AWS infrastructure in the United States (us-east-1). All data is encrypted in transit using TLS and encrypted at rest.

Payment processing is handled by Stripe, Inc., a PCI DSS Level 1 certified payment processor. We do not store credit card or payment account details on our systems.

We implement reasonable technical and organizational measures to protect your information against unauthorized access, disclosure, alteration, or destruction. However, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

6. Your rights

Depending on your state of residence, you may have the following rights regarding your personal information:

• The right to know what personal information we collect, use, and disclose about you
• The right to access a copy of the personal information we hold about you
• The right to correct inaccurate or incomplete information
• The right to request deletion of your personal information
• The right to opt out of any direct marketing communications
• The right to non-discrimination for exercising your privacy rights

California residents have additional rights under the CCPA/CPRA, including the right to know the categories of personal information sold or disclosed, the right to opt out of the sale of personal information (we do not sell personal information), and the right to limit use of sensitive personal information.

To exercise any of these rights, please contact us at admin@tic.exchange. We will respond to verifiable requests within 45 days as required by applicable law.

7. Do Not Track

Some browsers send "Do Not Track" signals. tic.exchange does not currently respond to Do Not Track signals as there is no industry-standard protocol for doing so. We do not use advertising trackers or behavioral tracking cookies on our platform.

8. Cookies

tic.exchange uses only essential cookies necessary for the platform to function, including session management and security tokens. We do not use advertising, behavioral, or third-party tracking cookies. You may disable cookies through your browser settings, though this may affect certain platform functionality.

9. Children's privacy

tic.exchange is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected information from a child under 13, we will promptly delete it. If you believe we have collected information from a child under 13, please contact us at admin@tic.exchange.

10. Third party links

tic.exchange may contain links to third party websites including real estate agencies, lenders, and legal services. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies independently before providing any personal information.

11. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify registered users of material changes by email and will update the effective date at the top of this page. Continued use of the platform after changes constitutes acceptance of the updated policy.

12. Contact

For privacy enquiries, access requests, correction requests, or complaints, please contact us: