Effective Date: March 1, 2026 | Last Updated: March 1, 2026
Munoz & Ghezlan LLC ("Company," "we," "us," or "our") operates the Tranchi platform located at https://tranchi.ai(the "Platform"). This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you use our Platform. By using the Platform, you consent to the data practices described in this Privacy Policy.
1. Information We Collect
1.1 Information You Provide Directly
Account Information: Name, email address, phone number, and password when you create an account
Investor Profile: Company/LLC name, title, business email, phone number, proof of funds status, pre-approval status, track record, number of properties owned, years of experience, preferred markets, lender information, and biographical details
Property Analysis Data: Property addresses, purchase prices, rent estimates, and other financial parameters you input into our calculators
Communications: Messages, feedback, and correspondence you send to us or through the Platform
Consent Records: Records of your consent to receive SMS messages and email communications, including timestamps
1.2 Information Collected Automatically
Device Information: IP address, browser type, operating system, device identifiers, and screen resolution
Usage Data: Pages visited, features used, time spent on the Platform, click patterns, and navigation paths
Cookies & Tracking: We use cookies, web beacons, and similar technologies to enhance your experience and collect analytics data
Location Data: General geographic location based on your IP address
1.3 Information from Third Parties
Property Data: Property listings, MLS data, tax records, and market data from third-party real estate data providers
Rent Estimates: Rental market data from multiple third-party sources including HUD Fair Market Rent data
Authentication: If you sign in through a third-party service, we may receive profile information from that service
2. How We Use Your Information
We use the information we collect for the following purposes:
Platform Operations: To provide, maintain, and improve the Platform's features and functionality
Deal Analysis: To calculate DSCR ratios, cash flow projections, and other investment metrics based on your inputs
Personalization: To customize your experience, including pre-filling offer templates with your investor profile data
Communications: To send you deal alerts, market updates, financing opportunities, and platform announcements (with your consent)
SMS Messages: To send text messages about deal alerts, financing updates, and platform notifications (with your express consent)
Analytics: To understand how users interact with the Platform and to improve our services
Security: To detect, prevent, and address fraud, abuse, and security issues
Legal Compliance: To comply with applicable laws, regulations, and legal processes
3. How We Share Your Information
We do NOT sell your personal information to third parties. We may share your information in the following circumstances:
Service Providers: With trusted third-party service providers who assist us in operating the Platform, including hosting providers, analytics services, and email delivery services. These providers are contractually obligated to protect your data.
Financing Partners: When you request pre-qualification or express interest in financing products, we may share relevant information with our lending partners to facilitate your request. This will only occur with your explicit consent.
Legal Requirements: When required by law, regulation, legal process, or governmental request
Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets
Protection: To protect the rights, property, or safety of Munoz & Ghezlan LLC, our users, or the public
Your Phone Number is Protected
Your phone number and SMS opt-in consent data will NOT be shared with or sold to any third parties or affiliates for marketing or promotional purposes. This applies to all phone numbers collected through the Platform.
4. Data Security
We implement industry-standard security measures to protect your personal information, including:
SSL/TLS encryption for all data transmitted between your browser and our servers
Encrypted storage of sensitive data including passwords and authentication tokens
Regular security audits and vulnerability assessments
Access controls limiting employee access to personal data on a need-to-know basis
Secure cloud infrastructure with SOC 2 compliant hosting providers
While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.
5. Cookies & Tracking Technologies
We use the following types of cookies and tracking technologies:
Essential Cookies
Required for Platform functionality, authentication, and security. Cannot be disabled.
Analytics Cookies
Help us understand how users interact with the Platform to improve our services.
Preference Cookies
Remember your settings and preferences for a personalized experience.
You can control cookies through your browser settings. Disabling certain cookies may limit Platform functionality.
6. Your Rights & Choices
Depending on your jurisdiction, you may have the following rights regarding your personal information:
Access: Request a copy of the personal information we hold about you
Correction: Request correction of inaccurate or incomplete personal information
Deletion: Request deletion of your personal information, subject to legal retention requirements
Portability: Request a copy of your data in a structured, machine-readable format
Opt-Out of Marketing: Unsubscribe from marketing emails and SMS messages at any time
Do Not Sell: We do not sell personal information. California residents may exercise additional rights under the CCPA.
To exercise any of these rights, contact us at [email protected]. We will respond to your request within 30 days.
7. SMS & Email Opt-Out
SMS Opt-Out
Text STOP to any message to unsubscribe from SMS communications. Text HELP for assistance. Message and data rates may apply. Message frequency varies (up to 10 messages/month).
Email Opt-Out
Click the "Unsubscribe" link at the bottom of any marketing email. You will continue to receive transactional emails related to your account.
8. Data Retention
We retain your personal information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Consent records (including SMS opt-in timestamps) are retained for a minimum of 5 years for legal compliance purposes.
If you request account deletion, we will delete or anonymize your personal information within 30 days, except for data we are legally required to retain.
9. Children's Privacy
The Platform is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly.
10. California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
Right to know what personal information is collected, used, shared, or sold
Right to delete personal information held by us
Right to opt-out of the sale of personal information (we do not sell personal information)
Right to non-discrimination for exercising your CCPA rights
The Platform is operated from the United States. If you access the Platform from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located. By using the Platform, you consent to the transfer of your information to the United States.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on the Platform and updating the "Last Updated" date. Your continued use of the Platform after any changes constitutes your acceptance of the updated Privacy Policy.
13. Contact Us
For questions about this Privacy Policy or to exercise your privacy rights, please contact us at: