Privacy Policy

Information We Collect

We may collect the following categories of information:

• Personal information you voluntarily provide, including name, email address, phone number, and other contact details
• Information submitted through forms, onboarding flows, scheduling tools, surveys, or communications
• Information related to shared homeownership planning, coordination preferences, financial assumptions, or other inputs you choose to provide
• Non-personal information such as browser type, device information, operating system, IP address, and website usage data

You may browse the Site without providing personal information, but certain features or services may not be available.

How We Use Your Information

We use collected information to:

• Provide, operate, and improve Tomi's services
• Facilitate consultations, coordination, modeling, and educational resources related to shared homeownership
• Respond to inquiries and communicate with you about services, updates, or resources you request
• Facilitate introductions to independent third-party service providers when requested by you or reasonably necessary to support the services you engage Tomi to provide
• Analyze usage trends and improve user experience
• Comply with applicable legal obligations

Tomi does not sell personal information.

AI-Assisted and Automated Processing

Some Tomi services may use software tools, including AI-assisted systems, to help organize information, analyze inputs, generate summaries, or support coordination workflows.

These tools are used to assist users and do not replace professional legal, financial, tax, lending, or real estate advice. Outputs are informational only and should not be relied upon as definitive or professional guidance.

Sharing of Information and Professional Introductions

We may share personal information in the following circumstances:

• With service providers and contractors that help us operate the Site and deliver services, such as hosting providers, analytics tools, email platforms, and scheduling services
• With independent third-party professionals, including but not limited to real estate agents, lenders, attorneys, tax and accounting professionals, and insurance providers, when you request an introduction, consent to such sharing, or when sharing is reasonably necessary to support the services you have engaged Tomi to provide
• With professional partners in connection with referral or origination arrangements, where permitted by law
• When required to comply with legal obligations, enforce our rights, or protect the safety of users or others

Any third-party professionals introduced through Tomi are independent parties and are not agents, employees, or representatives of Tomi. Their services, advice, and use of your information are governed by their own policies, professional obligations, and agreements.

Tomi is not responsible for the privacy practices, services, or advice provided by third-party professionals after an introduction has been made.

In some cases, Tomi may receive a referral fee, origination fee, or other form of compensation in connection with introductions to third-party service providers. Any such arrangements do not constitute an endorsement, guarantee, or warranty of third-party services.

SMS and Phone Communications

If you provide your phone number, you may receive SMS messages from Tomi for the following purposes:

• One-time verification codes (OTP) for account authentication
• Transactional account notifications, such as party invitations, onboarding reminders, and exercise completions

By providing your phone number and requesting a verification code, you consent to receive these SMS messages. Message and data rates may apply. Message frequency varies based on your account activity.

You may opt out of SMS communications at any time by replying STOP to any message. For help, reply HELP or contact us at contact@livetomi.com. Opting out of SMS will not affect your ability to use email-based authentication.

Tomi does not send marketing or promotional messages via SMS. We do not sell, rent, or share your phone number with third parties for their marketing purposes. Your phone number is used solely for account verification and transactional notifications as described above.

SMS services are provided via third-party messaging providers. Carrier terms and conditions may apply.

Cookies and Analytics

We use cookies and similar technologies to:

• Enable core site functionality
• Understand how users interact with the Site
• Improve performance, usability, and content

You may configure your browser to refuse cookies or alert you when cookies are sent. Some Site features may not function properly without cookies.

Data Security

We implement commercially reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or misuse.

No system can be guaranteed to be completely secure, and we cannot guarantee absolute security of information.

Data Retention

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

Your Rights and Choices

Depending on your location and applicable law, you may have the right to:

• Request access to personal information we hold about you
• Request correction or deletion of your information
• Opt out of non-essential communications

Requests may be submitted by contacting us at contact@livetomi.com.

Children's Privacy

Tomi does not knowingly collect personal information from children under the age of 13. If we become aware that such information has been collected, we will take reasonable steps to delete it.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be reflected by an updated effective date. Continued use of the Site after changes are posted constitutes acceptance of the revised policy.

Contact Information

If you have questions about this Privacy Policy or our data practices, please contact us at: