Privacy Policy

Appraiser Guru™ by Tarnwick LLC · Last Updated: October 17, 2026 · Version 4.3

1. Introduction

Tarnwick LLC ("Company," "we," "us," or "our") operates the Appraiser Guru platform at tarnwick.com. We are committed to protecting your privacy and ensuring you have a positive experience on our platform. This Privacy Policy explains what information we collect, how we use it, how we protect it, and your rights regarding your information.

By creating an account or using Appraiser Guru, you consent to the collection, use, and sharing of your information as described in this Privacy Policy.

2. Information We Collect

2.1 Account Information

When you register, we collect: full name, email address, phone number (optional), business name and address (optional), state appraiser license number, states of licensure, and password/account credentials.

2.2 Appraisal Data

We collect and store all content you create or upload, including: appraisal reports and narratives, property information, comparable sales and adjustments, market analysis, photographs, floor plan sketches, workfile documents, and all other submitted content.

2.3 Waitlist and Pre-Launch Data

If you submitted your email via our waitlist form before launch, we collected your email and any optional information. This is used solely for launch notification.

2.4 Usage Information

We automatically collect: device information, IP address, pages visited and features used, time spent, session duration, referring URLs, error logs, and search queries.

2.5 Cookies and Tracking

We use cookies and similar technologies to enhance your experience. We also use Vercel Web Analytics to count page views and see which pages are used. See our Cookie Policy for full details, including what Vercel Web Analytics collects (Section 3).

2.6 AI Processing

Appraiser Guru's AI features are provided by Anthropic, PBC ("Anthropic"), through its Claude models. Anthropic processes the data these features send on our behalf, as our service provider and subprocessor, only to provide the features. Each feature sends only what its task needs, and we remove what the task does not need before anything is sent. The features, and what each one sends, are:

Guru assistant (when you ask a question): your question and the conversation so far; details of the report you are working in — the subject's street address and your file number, its property characteristics and ratings, the fields and photos still missing, the results of the report's checks (which can include amounts and your notes), and summary figures from your MLS market data; and the value of any field of the report Guru looks up to answer you.
Report a problem and Guru feedback (when you send one): your message, Guru's answer, the page you were on, the report's missing fields and checks, and any screenshot you attach, so the problem can be routed to our team.
Narrative drafting (when you click Generate all commentaries, or Regenerate on one commentary, on the report's Commentaries step): the report's property characteristics, the opinion of value and contract price, the subject's address, comparable sales by number with their prices, adjustments, distance and days on market (no comparable street addresses), the subject's prior sales without party names, your adjustment notes, what you typed in each commentary box and any notes you saved for a commentary, and summary figures from your MLS market data.
Market area description (when you click Generate all commentaries, or Regenerate on the market area description, on the report's Commentaries step): the screenshot of your MLS search map you added, your Search Criteria Description (up to 4,000 characters) and what you typed in Market Area Boundary.
Order reading (when you use Paste from Email, and automatically for an order email that arrives at your order address): the order text, after quoted replies, earlier messages in the thread, signatures, mail-client footers and confidentiality notices are removed. The order itself is sent, because the order form needs it: it can include the borrower's name and contact details, loan and case numbers, the lender, client and AMC, the property address, fee and dates, and access instructions.
Uploaded appraisal PDFs (automatically, when you upload a PDF to the Library): the first page only, to find the property address, sale price and effective date. If the first page cannot be separated from the rest of the PDF, nothing is sent.
Listing paste (when you paste an MLS listing for the subject or a comparable): the listing text, after agent and office names, phone numbers, email addresses, links, showing instructions and remarks are removed.
Assessor and property-data paste (when you paste a BS&A or CoreLogic page): the page, after owner, taxpayer, borrower, buyer, seller and lender names and the owner's mailing address are removed, and, for CoreLogic, its value estimate, scores and AI summary.
Photographs: a HUD data plate photo (automatically, to read the manufactured home's wind, thermal and roof-load zones) and front and rear elevation photos (automatically, and when you click Estimate from photos, to estimate window area). A photo is sent either as the image itself or as a link that expires within minutes.
Template clean-up (when you click Clean up on one of your templates): that template's text only.

What is never sent. Your account password, your payment details, an identifier for you, and your MLS market-data export (the file or rows you import for market analysis — only summary figures calculated from it are used, as listed above).

Automatic features. Order email reading, PDF reading, window-area estimates and HUD data plate reading run without a click. Each is on by default and can be switched off in Settings → Automatic AI.

Anthropic's commitments. Our use of Anthropic is governed by Anthropic's Commercial Terms of Service and its Data Processing Addendum. In them Anthropic states that it "may not train models on Customer Content from Services"; that it is the processor of the personal data we send and "will only process Customer Personal Data to provide or maintain the Services, and in compliance with Customer’s documented instructions"; and that it encrypts that data with "a minimum of AES-256 for data at rest, and TLS1.2+ for data in transit." Anthropic's Privacy Center states that for API users it automatically deletes inputs and outputs "within 30 days of receipt or generation," except where a longer retention is agreed or chosen, where it needs them to enforce its Usage Policy, or where the law requires it. The AI Disclaimer, Section 5, quotes these documents and links to them.

What we keep. What an AI feature returns is kept as part of your report or record and is governed by Section 8.

Guru conversations. Your conversations with the Guru assistant are saved to your account, with the names of the parties to your report and any email addresses and phone numbers removed, so you can return to them; you can delete any of them at any time, and the rest are deleted with your account (Section 8).

If Anthropic materially changes its data handling, retention, or training policies in a way that affects how your data is processed, we will notify you within 30 days of becoming aware of such changes. Questions: info@tarnwick.com.

2.7 Identity Verification Data

Enrollment in the Appraiser Guru Data Sharing Pool requires identity verification through Stripe Identity, a third-party identity verification service. During verification, Stripe collects and processes a government-issued ID document and a biometric selfie. Tarnwick™ receives only a pass/fail verification result from Stripe — we do not store your ID document or selfie. Stripe's handling of this data is governed by Stripe's Privacy Policy.

2.8 License Verification Data

We verify your appraiser license status against the ASC National Registry maintained by the Appraisal Subcommittee. We use your state appraiser license number and state of licensure to confirm active, valid licensure as required for Data Sharing Pool eligibility. License verification results are stored in your account record.

3. How We Use Your Information

We use information to: (a) provide and maintain the Service; (b) process payments; (c) send transactional emails; (d) provide support; (e) analyze usage and improve the platform; (f) generate AI-assisted suggestions; (g) create anonymized market intelligence; (h) detect and prevent fraud; (i) comply with legal obligations; and (j) with your consent, send marketing communications.

We do not sell your personal information to third parties. We may share anonymized and aggregated data derived from your contributions with data licensees.

4. Anonymization and Aggregation

4.1 Anonymization Process

We apply rigorous anonymization: remove all PII, client/borrower/lender information; generalize addresses to ZIP codes or census tracts; combine data from at least 5 users; apply k-anonymity principles; and apply statistical disclosure controls.

4.2 Uses of Anonymized Data

Anonymized data is used for: network-enhanced suggestions to all members; algorithm improvement; internal research; and licensing to third-party data consumers (AVM providers, lenders, insurers, PropTech firms).

We will NEVER sell or share: your individual appraisal reports; your name or license number in connection with data; client, borrower, or lender information; specific property addresses linked to you; or anything that could identify you as the source. The one exception is our service providers, which process this information on our behalf only to provide the Service — for example, Anthropic for the AI features described in Section 2.6. Each is named in our Subprocessor List.

We may share with: (a) service providers who help operate the platform (see Subprocessor List); (b) anonymized aggregated data licensees; (c) professional advisors; (d) when required by law; (e) to protect safety and rights; (f) in business transfers; and (g) with your explicit consent.

6. Third-Party Data Processors

For the list of vendors that process data on our behalf, see the Subprocessor List. For each one it gives the provider name, the purpose it serves, the data it processes, and the location where it processes that data.

7. Data Security

Controls in place now. TLS/SSL encryption in transit; AES-256 encryption at rest; row-level security (RLS) on your data; time-limited signed URLs for file access; and role-based access controls on staff accounts.

Malware scanning. Files uploaded through the file library and the report-import paths are scanned for malware before they are stored, and an upload is rejected if the scanner is unavailable or unreachable. This scanning does not yet cover every upload path. Photos uploaded to a report, profile documents, and receipt uploads are checked for file type and size but are not yet malware-scanned. Extending scanning to every upload path is planned.

Planned, not yet in place. We describe the following as planned because they are not current practice today:

Multi-factor authentication on staff accounts. MFA is available on every account, including staff accounts, and can be turned on in account settings. It is not yet required, and we do not yet enforce it on staff accounts.
Regular security assessments. We completed an internal security review of the platform in July 2026. We have not engaged an independent third party for a security assessment or penetration test, and we do not yet run assessments on a fixed schedule.
A written 72-hour breach notification procedure. We have not yet documented one. If a breach occurs we will notify affected users and any regulator as required by the law that applies to it.

8. Data Retention

Active Account: Data retained indefinitely during subscription
After Subscription Ends: 90 days to export, then permanently deleted
After You Request Deletion: 90 days to export, then permanently deleted
Backups: Up to 90 days after deletion for disaster recovery
Anonymized Data: Retained indefinitely (cannot be linked to you)
Waitlist Emails: Until launch notification or 1 year, whichever occurs later
Usage Logs: Up to 2 years
Legal Hold: As required by law or legal proceedings

9. Your Rights and Choices

You have the right to: (a) access your personal information; (b) correct your information; (c) export each of your reports, at no charge, as its export package (the UAD 3.6 MISMO XML file and the PDF report, with the report's images, delivered as a ZIP file); (d) request deletion, after which your data is kept for 90 days so you can export it and then permanently deleted (see Section 8); (e) opt out of marketing emails; (f) opt in to or out of the Referral Program via your account settings; and (g) request information about data sharing.

Contact info@tarnwick.com to exercise these rights.

10. California Privacy Rights (CCPA/CPRA)

California residents have the right to: know what personal information we collect; request deletion; opt out of any "sale" of personal information; and non-discrimination for exercising rights. Anonymized and aggregated data does not constitute a "sale" under CCPA/CPRA.

11. Additional State Privacy Rights

Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), and Utah (UCPA) have rights to access, correct, and delete personal information and to opt out of sales. Contact info@tarnwick.com with your request and state of residence.

12. Children and Minors

The Service is not directed at anyone under 18. We do not knowingly collect information from minors. Contact us immediately at info@tarnwick.com if you believe we have.

13. International Data

Appraiser Guru is offered only for appraisals of property located in the 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, and Guam. All data is processed and stored in the United States.

Appraiser Guru is not offered in the European Economic Area, the United Kingdom, or Switzerland.

14. Email Communications

We currently send only service emails about your account and reports: account confirmation, password reset, email address change, account retention notices, and supervisor invitations. These cannot be opted out of. We do not currently send marketing email, and every account is created as not opted in to marketing email. If we begin sending marketing email, it will include an unsubscribe link and we will honor opt-outs as the law requires. See our CAN-SPAM & Email Compliance Policy for full details.

15. Changes to This Policy

We will provide at least 30 days' advance notice of material changes via email and/or in-platform notification. Continued use constitutes acceptance.

How Your Data Works

We built Appraiser Guru differently. Here's exactly how we handle your data — no legalese, no hidden agendas.

You Own Your Data. Period.

Every report you create or upload belongs to you — we never claim ownership.
Export any of your reports as its export package — the UAD 3.6 MISMO XML file and the PDF report, with the report's images, in one ZIP file — at no extra charge.
Cancel and take it all with you. No lock-in. No hostage data.
Request deletion anytime — we keep your data for 90 days so you can export it, then permanently delete it.

We Never Sell YOUR Reports

Your individual appraisal reports are never sold, shared, or given to anyone.
Your client, borrower, and property owner information is never sold, and is never shared except with the service providers that process it only to run the Service — such as Anthropic for AI features — each named in our Subprocessor List.
Your name and license number are never attached to any data we share.
We don't share your data with AMCs, lenders, or regulators (unless legally required).

How the Network Makes Everyone Better

When thousands of appraisers use Appraiser Guru, we can see patterns that help everyone work smarter.

What we DON'T share: "John Smith adjusted +$22,000 for a 3rd garage at 123 Main Street on January 15, 2026."

What we CAN share: "Appraisers in ZIP 48167 typically adjust $18,000–$26,000 (median $21,500) for 3rd garage stalls based on 847 transactions."

No names. No addresses. No way to trace it back to you or your clients.

If you apply and are admitted to our optional Data Sharing Pool, property and market data from your appraisal work becomes available to other admitted members, and we may license it commercially, including to third parties.

What is shared: property characteristics, condition and quality ratings, sale, listing and rental history, market adjustments and supporting analysis, cost and income approach data, and neighborhood and market-area analysis. Appraisal fee data is shared only in aggregated form from which no individual appraiser, client, or assignment can be identified.

What is never shared: names and identifying information of borrowers, owners, occupants, and tenants; lender, client, and appraisal management company identities and contact information; loan, file, order, and case numbers; your own name, signature, and license credentials as associated with a specific property; your uploaded documents, notes, and files; and your assignment-specific narrative and opinions of value.

Your documents stay yours. Files you upload are stored for your use, are not made available to other members, and are not used to develop or train our products. We extract only property and market data from them.

How we use data outside the Pool. Whether or not you join the Pool, we analyze property and market data from your work to operate and improve Appraiser Guru, including to develop and train the models behind its features. We do not license data commercially to third parties unless you are an admitted Pool member.

If you close your account: you have 90 days to export your data, and then we delete your personal information, your documents, and your complete reports. Property and market data you contributed to the Pool before closing remains there — it contains no information identifying you or any party.

Compensation: we do not offer or owe compensation for contributed data. Access to the Pool is the consideration for participation.

16. Contact Information

Tarnwick LLC 1625 Ridge Rd Highland, MI 48356 Privacy: info@tarnwick.com Legal: info@tarnwick.com Support: tarnwick.com/support or info@tarnwick.com