Privacy Policy

This website is operated by RealKey, Inc. (“RealKey”, “We” / “Us” / “Our”/ “Company”). We respect your personal information and therefore we have established a comprehensive privacy policy, which describes the types of information that we collect from you and our practices for collecting, using, maintaining, protecting and disclosing this information.

This privacy policy applies to the information that we collect through this website (the “Website“), through e-mail or other electronic messages or means between you and the Website. For avoidance of any doubt this privacy policy will not apply with regards to personal information provided by the users of this website during purchase transactions executed through, and All personal information collected during such transactions shall be subject to the applicable privacy policies established by Stripe ( and Plaid (

Please read this policy carefully to understand our policies and practices regarding your personal information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website.


RealKey is a web-based platform that brings together all parties involved in buying a house and getting a mortgage, into a single unified portal, where all documentation and communication are kept in a single secure place.

Personal Information Defined

Personal information is any information that can be used to personally identify an individual user, such as name, physical address, e-mail address, telephone number, social security number and any other similar information that can be used to uniquely identify, contact or locate an individual.

Information we collect about you

Personal information from individuals.

The personal information that we collect is:

  • contact information: names; e-mail addresses, addresses and phone numbers;
  • financial information about income, assets, tax, current employment and employment history, bank statements;
  • credit information: credit scores, all credit data required for loan processing;
  • geographical location.

Other information. Additionally, we will be collecting also:

  • housing information;
  • details of transactions you carry out through this website;
  • your search queries on this website;
  • any information that you post on our website;
  • your log-in and password details.

Usage details, IP address.

While you use/navigate through our website, we may automatically collect certain information about your equipment, browsing actions and patterns, including:

  • Details of your visits to our website, including traffic data, location data, logs and other communication data and the resources that you access and use on our website;
  • Information about your computer and internet connection, including your IP address, operating system and browser type.

Cookies and other tracking technologies

The information that we collect automatically is statistical data and cannot be used to identify you as an individual. It helps us to improve our Website and to deliver a better and more personalized service. The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our website. Flash cookies are not managed by the same browser settings as are used for browser cookies.

Web Beacons. Pages of our website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags and single-pixel gifs) that allow us, for example, to count users who have visited those pages or opened an e-mail and for other related website statistics.

Usually, personal data cannot be collected via cookies and tracking technologies, however we may tie the above automatically collected information to your personal information.

Notice. Purpose for collecting personal information.

The purpose for which we collect your personal information is to fulfill your specific request(s) and to fully provide you with our services.

How we use your information.

  1. We will use the personal information you provide:
    • to provide you with information about our services and products;
    • to administer your account with us;
    • to notify you about changes to our Website, including this privacy policy, or any products or services we offer or provide though it.
    • to price mortgages and qualify consumers for mortgages;
    • to provide to consumers disclosures on mortgages;
    • to submit consumer data and files to mortgage underwriters, lenders and banks for approval and processing of mortgages
  2. We will use the non-personally identifiable information:
    • to customize our services for you and to personalize and improve your experience on the Website.
    • to understand how the visitors use the Website and estimate their usage patterns.
    • to collect information about your preferences about browser type and operating system;
    • to recognize the visitors when they return to our Website;

Information Sharing.

Sharing information with service providers.

We may share the personal information submitted by individual end users with the service providers, contractors and other companies in order to be able to fulfill your orders, operate our business, communicate with you and enable us to provide our services and this Website. These service providers may help us perform any of the activities that fall within the scope of our services. For instance, we may share certain of the information we collect or receive with companies that help us with mortgage pricing, mortgage approval, information processing, extending credit, fulfilling customer orders, managing and enhancing customer data, providing customer service, assessing your interest in our products and services, and conducting customer research or satisfaction surveys. All these companies are obligated to protect your information and are bound by confidentiality agreements.

Sharing your information with third party insurers.

We may share personal information with third party insurers. For instance, during the processing of your loan application, we offer the option for you to review homeowner’s insurance quotes and to purchase homeowner’s insurance through third party insurers. In order to provide this service, we need to share your personal information with the insurers, which will be processed according to their posted privacy policies and terms of use.

Sharing information with marketers and advertisers.

We may share personal information with third parties to provide or help us to provide advertising and marketing services such as advertisers and their marketing providers, to provide targeted content and advertising to you with other third parties that target advertising.

Sharing your information if required by law.

We reserve the right to disclose your personal information to third parties if required by a court order, law or legal process, including responding to any government or regulatory request. We may also disclose your personal information if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of RealKey, our users or others.


We take reasonable measures and precautions designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. All information you provide to us is stored row encrypted PCI compliant vault. We restrict access to personal information to employees, contractors and agents who need to know that information in order to operate, develop or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination, if they fail to meet these obligations.

Areas of our Website that collect personal data use two factor authentication SSL/HTTPS connections and bank level encryption SOC2, ISO 27001 and SSAE 16. We also use IP range blocking, port blocking, we isolate each subsystem and require credentials for any and all communications without subsystems.

The safety and security of your information also depends on you. Where we have given you a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards. The information you share in public areas may be viewed by any user of the Website.

Although we do our best to protect your personal information, the transmission of information via the internet is not completely secure and we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk.


We will provide you with access to your personal information that we store to the extent it is available and allow you to correct or amend inaccurate information.

You may also send us an email at to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your content submission from this Website, copies of your content submissions may remain viewable in cached and archived pages, or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including content submissions, is governed by our Terms of Service ( Civil Code Section § 1798.83 permits the users of this Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to or write us at: RealKey, Inc. 301 Main Street #4G, San Francisco, CA, 94105, USA.

Your California Privacy Rights

RealKey welcomes residents of the State of California to use its Website, and complies with the California Business and Professions Code §§ 22575-22579. If you are a California resident, you may request certain information regarding our disclosure of personal information to any third parties for their direct marketing purposes. Please send a written request to RealKey, Inc. 301 Main Street #4G, San Francisco, CA, 94105, USA.

International Users

RealKey, Inc. is a U.S. company, and the Website is hosted in the United States. If you access the Website from the European Union, Asia, or any other region with laws or regulations governing personal data collection, use, and disclosure that differ from the United States laws, please be advised that through your continued use of the Website or our services, you may be transferring your personal information to the United States and you consent to that transfer. Additionally, you understand that your personal information may be processed in countries (including the United States) where laws regarding processing personal information may be less stringent than the data protection laws in your country. We will protect your personal information according to the terms of this Privacy Policy, regardless of where it is collected, processed, and stored.

Children’s Online Privacy Protection Act

This Website is not intended for use by children under 13 years of age. No one under age 13 may provide any personal information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, you should not use or provide any information on this Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information received from a child under 13, please contact us at RealKey, Inc., 301 Main Street #4G, San Francisco, CA, 94105, USA.

Changes to this Privacy Policy

Please note that this privacy policy may change from time to time. We will keep you informed of any amendments that we make to this privacy policy. We will post any changes that we make to our privacy policy on the Website home page with a notice that the privacy policy has been updated.

If we make material changes to how we treat our users’ personal information, we will notify you by e-mail to the primary e-mail address specified in your account and/or through a notice on the website home page. It is your responsibility to provide us with an up-to-date e-mail address for you, and for periodically visiting our website and this privacy policy to check for any changes.

Contact information

If you have any additional questions or concerns about this privacy policy, please feel free to contact us any time through this Website or by writing to us at the following address:

RealKey, Inc.

301 Main Street #4G

San Francisco, CA, 94105, USA

Last updated: February 10, 2022

Privacy Notice for California Residents Under the California Consumer Privacy Act.

Last updated 02.13.2023

This Privacy Notice for California residents supplements the information contained in our Privacy Policy above and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) as amended by the California Privacy Rights Act (CPRA) and any implementing regulations adopted by the California Privacy Protection Agency (CPRA as amended by the CPRA, and any implementing regulations are collectively referred to as “California Privacy Laws”). Capitalized terms not defined herein shall have the same meaning as the California Privacy Laws when used in this California Privacy Policy.

1. Categories of information we collect. Our Website collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, our website has collected the following categories of personal information from its consumers within the last twelve (12) months:

Category of Personal InformationDescriptionCollected (Yes/No)
(1). Identifiers such as: names, e-mail addresses, Internet Protocol addresses, or other similar identifiers.A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, Social Security number, or other similar identifiers.Collected: Yes.
(2) Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this Collected: Yes.
(3) Protected classification characteristics under California or federal law.For example: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information)Collected: No.
(4) Commercial information For example, records of personal property, records of products or services purchased or other purchasing or use histories or tendenciesCollected: Yes.
(5) Biometric informationExamples: Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.Collected: No.
(6) Activity information relating to internet or other electronic networks.Browsing or searching history, or interaction with a website, ad or application or advertisement.Collected: No.
(7) Geolocation informationPhysical location or movements.Collected: No.
(8) Sensory dataAudio, visual, thermal, electronic, olfactory or other similar informationCollected: No.
(9) Information related to employment or other professional standingsExample: Current or past job historyCollected: No.
(10) Information related to non-public educationExamples: Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.Collected: No.
(11) Any inferences drawn using any of the above information. Examples: if they are used in order to profile person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.Collected: No.
(12) Sensitive Personal InformationExamples: (1) Social Security number, driver’s license number, state identification number, passport number; (2) account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; (3) precise geolocation information; (4) racial or ethnic origin, religious, or philosophical believes, or union membership; (5) contents of mail, email, and text messages unless the business is the intended recipient of the communication; (6) genetic data; (7) biometric data for the purposes of uniquely identifying a consumer; (8) health information; (9) sex life or sexual orientation information.
**We only collect Sensitive Personal Information for legitimate business purposes appropriate for the use and disclosure of Sensitive Personal Information as defined in the California Privacy Laws, and not otherwise use it to infer characteristics about you.
Collected: Yes.

  1. Under this Privacy Policy, personal information does not include:
  • Publicly available information from government records.
  • De-identified or aggregated consumer information.

Information excluded from the CCPA and CPRA’s scope and covered by certain sector-specific privacy laws, including but not limited to Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

  1. Business purposes for which we may use or disclose your personal information. We use the categories of personal information listed above to provide our products and services to you, to operate, manage, and maintain our business, and to accomplish the following business and commercial purposes, including the following:
  • To fulfill or meet the reason for which the information is provided;
  • To provide you with information, products or services that you request from us directly or indirectly;
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing;
  • To provide customer service, maintain and servicing accounts, verifying customer information, processing payments, providing analytic services, or providing similar services on behalf of the business;
  • To improve our website and present its contents to you;
  • To establish and maintain your user account with us;
  • To authenticate you;
  • To detect fraud and prevent loss, or as necessary or appropriate to protect the rights, property, or safety of us, our users and customers, or others;
  • To debug, to identify and repair errors that impair existing intended functionality;
  • To allow you to contact us and facilitate your communication with us;
  • To respond to your feedback, requests, questions, or inquiries;
  • To provide offers to eligible users or customers;
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
  • As described to you when collecting your personal information or as otherwise set forth in the CCPA and the CPRA.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

  1. Sources from which we obtain your personal information. We obtain the categories of personal information listed above from the following categories of sources:
  • Directly from you. For example, from forms you complete on our website.
  • Indirectly from you. For example, from observing your actions on our website or interactions with our advertisers.

From social media websites that you use to log in or subscribe

  1. Use of Personal Information. We may use, or disclose the personal information we collect for one or more of the following business purposes:
    • To fulfil or meet the reason for which you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.
    • To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses, products and services.
    • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
    • As described to you when collecting your personal information or as otherwise set forth in the CCPA and CPRA.
    • We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
  1. Sharing Personal Information. We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We share your personal information with the following categories of third parties:

  • Payment processors (e.g. Paypal, Stripe, or Plaid) for the purposes of facilitating a payment;
  • Google Analytics for website metrics;
  • Hosting such as Amazon Web Services. However, we don’t explicitly share any information with web service providers.
  • Transactional partners or affiliated entities such as brokers, lenders, banks, real estate agents, title officers, escrow officers, insurers, purchasing parties, professional service providers, transactional service providers, etc.
  • Disclosures of Personal Information for a Business Purpose: In the preceding twelve (12) months, RealKey has not explicitly disclosed personal information for a business purpose.
  • Sales of Personal Information in the preceding twelve (12) months: RealKey has not sold personal information in the preceding twelve (12) months.
  1. Your California Consumer Rights. The California Privacy Laws provide California residents with specific rights regarding their personal information. You may submit these requests to us as described below, and we honor these rights where they apply.

(1) Right to Know. You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

  • The categories of personal information we collected about you;
  • The categories of sources for the personal information we collected about you;
  • Our business or commercial purpose for collecting or selling that personal information;
  • The categories of third parties with whom we share that personal information;
  • The specific pieces of personal information we collected about you (also called a data portability request);
  • If we sold or disclosed your personal information for a business purpose, two separate lists disclosing: (i) sales, identifying the personal information categories that each category of recipient purchased; and (ii) disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

(2) Deletion Request Rights. You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions listed in Sec. 8 below. 

(3) Right to Opt-Out of Sale/ Sharing. You have the right to direct a business that sells or shares personal information about you to third parties to stop doing so. We do not sell or share any personal information as defined by the CPRA. Therefore, we include this disclosure of information for informational purposes only.

(4) Right to Non-Discrimination. We will not discriminate against you, in terms of price or services that we offer, if you submit one of the rights requests listed above.

(5) Right to Correct. You have the right to request that we correct inaccurate personal information that we maintain about you. Our goal is to keep your personal information accurate, current, and complete.

(6) Right to Limit. In limited circumstances, a Consumer has the right to limit the use and disclosure of Sensitive Personal Information. Our use of your Sensitive Personal Information is solely for Business Purposes, and not for those purposes for which a Consumer may exercise right to limit the use or disclosure under the California Privacy Laws. Therefore, we include this disclosure for informational purposes only.

  1. Exercising your California consumer rights.
    1. Request Submission. To exercise your California privacy rights,, you need to submit a verifiable consumer request to us by sending us a message to our customer service at Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
      • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
      • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
      • We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
    2. Response Timing and Format. Upon receiving a request to know, request to delete, or request to correct, we will confirm receipt of the request within [ten (10)] business days and provide information about how we will process your request. The information provided will describe our verification process and when you should expect a response from us. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time, we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by electronic mail communication. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
    3. Delivery. Except as otherwise provided by applicable law, the information will be provided in writing or through our website. We will respond by mail. If we do not take action on your request, we will, without delay and, at the latest, within the time period permitted for our response, inform you of the reasons that we did not take action and any rights you may have to appeal the decision.We are committed to responding to your requests to exercise Consumer rights in accordance with applicable law and the California Privacy Laws. However, your rights are subject to certain limitations:
      1. We will respond to requests to know by the same user no more than twice in a twelve (12) month period.
      2. A response to a Request to Know may be limited to the 12-month period preceding receipt of the request if it would be impossible, involve disproportionate effort, or the request is for data for a specific time period.
      3. In response to a Right to Know request, we are prohibited from disclosing social security numbers, driver’s license numbers, other government-issued identification numbers, financial account numbers, health insurance numbers, medical identification numbers, account passwords, security questions and answers, or unique biometric data generated from measurements or technical analysis of human characteristics. However, we will inform you whether we have collected that type of information.
      4. Other limitations to consumer rights under the California Privacy Laws may apply. For example, we will not able to comply with your request to delete your personal information if it is necessary for certain legitimate business purposes or exercising legal obligations.

      We are not required to delete your personal information if it is reasonably necessary for us, our service providers, or our contractors to maintain the personal information in order to:

      1. Complete the transaction for which the personal information was collected, provide a service that you requested, take actions reasonably anticipated by the you within the context of our ongoing business relationship with you, or otherwise perform a contract with you.
      2. Help ensure the security and integrity to the extent the use of your personal information is reasonably necessary and proportionate for those purposes.
      3. Identify and repair errors that impair existing intended functionality.
      4. Exercise free speech, ensure the right of another consumer to exercise that consumer’s right of free speech, or exercise another right provided for by law.
      5. Comply with the California Electronic Communications Privacy Act (Ca. Penal Code § 1546 et. seq.).
      6. Engage in public or peer-reviewed scientific, historical, or statistical research that conforms or adheres to all other applicable ethics and privacy laws, when the business’ deletion of the information is likely to render impossible or seriously impair the ability to complete such research, if you have provided informed consent.
      7. To enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with the business and compatible with the context in which the consumer provided the information.
      8. Comply with a legal obligation.

      If we deny a verified request to exercise Consumer’ right under the California Privacy Laws, in whole or in part, because of a conflict with federal or state law, or an exception under applicable law, we will inform the requestor and explain the basis for the denial. We will take action, in accordance with your request and California Privacy Laws, for those categories of personal information not subject to those exceptions.

    4. Verification procedure. We are required by the CPRA to verify the identity of individuals who submit a request to know, request to delete, or request to correct. In accordance with our internal policies and in compliance with the California Privacy Laws, we will take steps to verify your identity before granting you access to such Personal Information or acting on your request to exercise your rights, as outlined below:

To determine whether the individual making the request is the consumer about whom we collected information, we will verify your identity by matching the identifying information provided by you in the request to the personal information that we already maintain about you. As part of this process, you will be asked to provide your full name, address, and phone number. We will inform you if we cannot verify your identity.

      1. If we cannot verify the identity of the person making the request for specific pieces of information, we are prohibited from disclosing any specific pieces of personal information to the requestor. However, if denied in whole or in part for this reason, we will evaluate the request as if it is seeking the disclosure of categories of personal information about the consumer
      2. If there is no reasonable method by which we can verify the identity of the requestor to the degree of certainty required, we will state this in our response an explain why we have no reasonable method by which we can verify the identity of the requestor.

If we cannot verify your identity based on the information already maintained, we may request additional information from you. We will try to limit the information collected, and we will only use this information to verify your identity and for security or fraud-prevention purposes. Except as required by law, we will delete any new personal information collected for the purposes of verification as soon as practical after processing the request.

      1. Authorized Agents. You may designate an authorized agent to make requests on your behalf by sending us written authorization in writing at RealKey, Inc. 301 Main Street #4G, San Francisco, CA, 94105, USA. If you use an authorized agent to submit a request to know or a request to delete, we may require you to: (1) provide the authorized agent with written permission to do so; and (2) verify your identity directly with us. However, we will not require these actions if you have provided the authorized agent with power of attorney pursuant to the California Probate Code. We may deny a request from the agent that does not submit proof that they have been authorized by the consumer to act on their behalf.
      2. Excessive Requests. If requests from a consumer are manifestly unfounded or excessive, in particular because of their repetitive character, we may either (1) charge a reasonable fee, or (2) refuse to act on the request and notify the consumer of the reason for refusing the request. If we charge a fee, the amount will be based upon the administrative costs of providing the information or communication or taking the action requested
      1. Non-Discrimination. We will not discriminate against you for exercising any of your California Privacy rights. Unless permitted by the California Privacy Laws, we will not:
        • Deny you goods or services;
        • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
        • Provide you a different level or quality of goods or services;
        • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services. However, we may offer you certain financial incentives permitted by the California Privacy Laws that can result in different prices, rates, or quality levels. Any California Privacy Laws-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.
      2. Changes to this Privacy Policy. We reserve the right to amend, add to, change, update, or modify this California Privacy Policy at our discretion and at any time. When we make changes to this California Privacy Policy, we will notify you by email or through a notice on our website homepage. If we make material changes to how we treat your personal information, we will also notify you through a notice on the home page of the website for a reasonable period of time. Any such changes, updates, or modifications shall be effective immediately upon posting this California Privacy Policy. The date on which this policy was last modified is identified at the beginning of this California Privacy Policy.
      3. Contact information. If you have any questions or comments about this California Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to lodge a complaint with us, you may contact us using the information below and we will do our best to assist you. Please note, if your communication is sensitive, you may wish to contact us by email or telephone as follows:

By email:

By mail: RealKey, Inc. 301 Main Street #4G, San Francisco, CA, 94105, USA.