1. Who We Are

AskHomie is operated by Havatian Homes LLC ("we," "us," or "our"). Contact: stephane@havatianhomes.com.

2. What We Collect

We collect only what's necessary to provide our service:

• Chat messages you send to Homie (processed by Anthropic's API to generate responses). We do not store your chat history on our servers.
• Contact details (name, email, phone) when you request a showing, ask to list your home, or join the merch list. These are delivered to Stephane through Formspree. Showing requests are also kept in private storage (Vercel Blob) so you can track them with your private link or under My showings.
• Google sign-in: if you sign in, your name, email and profile photo from Google (through Google Firebase Authentication).
• Activity record: when you open or save a home, how long you look at it, tap Like or Pass, tap a button, search a town or price range, make or share a list, or send a request, we keep a short record of that action (what, when and which home), plus how you found us (the site or campaign that sent you) and whether you're on a phone or computer. We don't keep your IP address. If you decline optional cookies, the record is tied only to that one visit. For questions you ask Homie we keep only the general topic (like “mortgage” or “selling”), never the words you typed, linked to a random code for your browser or to your account if you're signed in. It does not include your name, email or phone. We use it to run your dashboard and improve AskHomie, and we never sell it.
• Feedback: if you answer the “How’s AskHomie so far?” question, your rating and anything you write go to Stephane by email.
• Things you save: saved homes, lists and your Likes, the home address and purchase price you enter, and game scores with the scoreboard name you choose. When you're signed in these are stored in Google Firebase under your account; otherwise only in your browser.
• Seller verification documents (ID, deed pages, utility bill) and the last 4 digits of your property tax ID, only if you ask to list your home. They are stored privately, only Stephane can open them, and they are used only to confirm ownership. Email us to have them deleted.
• Text messages: if you give your phone number and agree, Stephane may text you about your request, including showing confirmations and reminders. Msg & data rates may apply. Reply STOP to opt out or HELP for help. We never share your number or your text consent with anyone for marketing.
• Pre-approval letter, only if you choose to upload one with a showing request. It is stored privately, shared only with Stephane Havatian to arrange your showing, and never sold or shared with anyone else. Email us to have it deleted.
• Basic usage data (page views, general location by region) via analytics tools, if you consent to cookies.

3. How We Use It

• To provide AI real estate guidance via the Homie chat
• To send merch drop alerts if you opted in (email only)
• To contact you about a showing you requested, including confirmations and reminders by text if you agreed
• To confirm ownership before a seller listing goes live
• To keep your saved homes and settings in sync when you sign in
• To improve our platform (anonymized analytics only)

4. We Do Not

• Sell your personal data to third parties
• Use your data for targeted advertising
• Store your chat history beyond what's needed to respond to your current session
• Ask for bank account, card or Social Security numbers

5. Third-Party Services

We use Anthropic's Claude API to power Homie responses. Your chat messages are sent to Anthropic's servers. See Anthropic's Privacy Policy. We use Vercel for hosting (see Vercel Privacy Policy). Maps and places search use Google Maps Platform, and address suggestions use Esri. Sign-in and saved data use Google Firebase. Forms are delivered by Formspree. Private documents are stored in Vercel Blob. Text messages are sent through Twilio. School data comes from the NJ Department of Education; listing data from NJMLS.

6. Your Rights (NJ / CCPA)

You have the right to: access your data, delete your data, opt out of data sale (we don't sell data), and withdraw consent at any time. Email us at stephane@havatianhomes.com to exercise any right.

7. Cookies

We use cookies only with your consent. See our Cookie Policy for details.

8. Children

This service is not directed at children under 13. We do not knowingly collect data from minors.

9. Changes

We'll post updates here. Continued use after changes constitutes acceptance. Material changes will be announced via the site.

10. Contact

stephane@havatianhomes.com · Havatian Homes LLC · New Jersey, USA

1. Acceptance

By using AskHomie ("the Service"), you agree to these Terms. If you disagree, please do not use the Service.

2. What AskHomie Is

AskHomie is an AI-powered real estate information platform operated by Stephane Havatian, a licensed New Jersey Real Estate Salesperson (License #1758156), through Havatian Homes LLC. Real estate brokerage services are provided through Coldwell Banker Realty, 2200 Fletcher Ave, Suite 714, Fort Lee, NJ 07024. AskHomie itself is not a real estate brokerage and does not represent buyers or sellers unless you engage Stephane in writing. AI-generated information is general and educational in nature, it is not professional real estate, legal, financial, or lending advice. Always consult a licensed real estate professional, attorney, and lender before making real estate decisions.

3. Not Professional Advice

Nothing on this site constitutes licensed real estate, legal, financial, investment, or tax advice. All property information, carrying cost estimates, and market data is provided as rough general guidance only. Always consult a licensed New Jersey real estate agent, attorney, and financial advisor before making real estate decisions.

4. Property Data & IDX Listings

Listings for sale, for rent, open houses and recent sales come from the New Jersey Multiple Listing Service (NJMLS) through IDX, courtesy of each listing brokerage. Information is deemed reliable but is not guaranteed accurate. The NJMLS holds all copyright to that data. Listing information is updated at least every 12 hours, and off-market listings are removed within 24 hours of a status change. Market figures (medians, sale-to-list, days on market) are calculated from NJMLS closed sales and are not appraisals. HomieValue gives an automated estimate for a home someone looks up by address. It is not an appraisal and is not shown on listing pages; for a full comparative market analysis (CMA), ask Stephane. School information comes from the New Jersey Department of Education School Performance Reports (2024-25) and federal school location data (NCES); confirm assigned schools with the school district.

5. Carrying Cost Estimates

Any mortgage payment, HOA, utility, or insurance estimates provided by Homie are rough estimates only for illustrative purposes. Actual costs will vary significantly based on your specific loan terms, creditworthiness, lender, property, HOA documents, and usage. These estimates are not a loan commitment or pre-qualification.

6. $HH Token

$HH tokens are utility tokens providing platform access benefits only. They are not securities, not investment contracts, and carry no expectation of profit. Token availability, utility, and pricing may change. We make no representations about token value.

7. Fair Housing

AskHomie and Havatian Homes LLC comply with the Fair Housing Act, the New Jersey Law Against Discrimination, and all applicable federal and state fair housing laws. We do not discriminate on the basis of race, color, religion, sex, national origin, disability, familial status, or any other protected class. Equal Housing Opportunity.

7a. IDX Data Use Policy

Listings shown on AskHomie come from the New Jersey Multiple Listing Service, Inc. (NJMLS) through its IDX program and are displayed by Stephane Havatian, NJ Real Estate Salesperson (Lic. #1758156), Coldwell Banker Realty, 2200 Fletcher Ave, Suite 714, Fort Lee, NJ 07024, through Coldwell Banker Realty’s IDX participation. (a) Every listing identifies the listing brokerage and its phone number, and the listing agent; (b) IDX data is provided solely for consumers’ personal, non-commercial use to identify properties they may be interested in buying or renting; (c) IDX data may not be copied, redistributed, retransmitted or used for any commercial purpose; (d) listing data is refreshed at least every 12 hours, and listings that leave the market are removed from active search; (e) recent sales are shown only as market information, labeled as sold; (f) listings and addresses that sellers have asked to keep off the internet are not displayed, and likes and automated estimates are disabled for listings whose sellers opted out; (g) all listing data is subject to NJMLS copyright. See the IDX Policy. For data accuracy issues, contact stephane@havatianhomes.com.

8. Limitation of Liability

To the maximum extent permitted by law, Havatian Homes LLC is not liable for any damages arising from use of this Service, reliance on AI-generated information, or real estate decisions made using this platform.

9. Intellectual Property

The AskHomie brand, logo, and platform design are owned by Havatian Homes LLC. Listing photos are provided through NJMLS courtesy of each listing brokerage and belong to their owners. Sample and demo images are from Unsplash (free license). Do not reproduce our branding without written permission.

10. Governing Law

These Terms are governed by the laws of the State of New Jersey, USA.

11. Contact

stephane@havatianhomes.com · Havatian Homes LLC · New Jersey

What Are Cookies

Cookies are small text files stored on your device. We use a minimal set of cookies to make the site work and (only with your consent) to understand how people use it.

Cookies We Use

Strictly Necessary (no consent required):

• homie_cookie_consent, remembers your cookie choice. Expires in 12 months.

Analytics (consent required):

• Basic page view analytics to understand traffic patterns. No personally identifiable data. Only set if you click "Accept" on the cookie banner.

We do not use advertising cookies, tracking pixels, or third-party marketing cookies.

Managing Cookies

You can withdraw consent at any time by clearing your browser's cookies or by clicking Reset my cookie preferences.

You can also configure your browser to refuse all cookies, though this may affect functionality.

No Cookie Consent Required For

The core AI chat and map functionality do not depend on analytics cookies and work fully without them.

Contact

stephane@havatianhomes.com

Current Services

AskHomie's core AI chat and map features are currently free to use. No purchases are currently processed through this platform.

$HH Token Purchases

$HH token purchases are executed on the Solana blockchain and are irreversible by nature. Once a blockchain transaction is confirmed, it cannot be reversed or refunded by Havatian Homes LLC. Please verify all transaction details before confirming. This is standard for all cryptocurrency transactions regardless of platform.

If you believe a transaction was made in error or by unauthorized use, contact us immediately at stephane@havatianhomes.com. We will investigate but cannot guarantee reversal of on-chain transactions.

Merch (Coming Soon)

When the merch store launches, we will accept returns for defective or incorrectly shipped items within 14 days of delivery. Items must be unworn and in original condition. Custom or limited-edition drops may be marked final sale. Full terms will be posted at launch.

Showing Requests

Showing requests are free. No charges apply. Cancel anytime by emailing stephane@havatianhomes.com.

Contact

stephane@havatianhomes.com · Response within 2 business days.

1. Who Displays These Listings

Home listings on AskHomie.homes come from the New Jersey Multiple Listing Service, Inc. (NJMLS) through its Internet Data Exchange (IDX) program. They are displayed by Stephane Havatian, NJ Real Estate Salesperson (Lic. #1758156), through the IDX participation of his broker, Coldwell Banker Realty, 2200 Fletcher Ave, Suite 714, Fort Lee, NJ 07024. AskHomie is built and operated by Havatian Homes LLC.

2. Attribution on Every Listing

• Every listing names the listing brokerage and its phone number, and the listing agent, near the top of the listing page in normal-size text. Search results, map cards, Homie’s suggestions, similar homes and recent sales show the listing brokerage on each home.
• Source: New Jersey Multiple Listing Service, Inc. (NJMLS), with the date and time the listings were last updated.
• Disclaimer: “Information deemed reliable but not guaranteed by the MLS.” The full NJMLS IDX disclaimer appears on listing pages and below search results.
• Copyright: © New Jersey Multiple Listing Service, Inc. All rights reserved.

3. Permitted Use of IDX Data

IDX listing information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing or renting. You may not copy, redistribute, retransmit, publish, or use IDX data for any commercial purpose, or to build derivative products, compilations or databases.

4. Listing Data Is Shown As Provided

AskHomie does not modify listing information from other brokerages. Homie, our AI guide, can answer questions about a listing, but its answers are separate from the listing information and are labeled as coming from Homie. Payment estimates, NJ school information and market figures are AskHomie or third-party information, labeled as such, and are not part of the MLS listing. AskHomie does not show automated value estimates on MLS listing pages. HomieValue, an automated estimate, appears only when someone looks up an address themselves, and it is labeled as an estimate, not an appraisal.

5. Seller Choices Are Honored

Listings whose sellers asked that they not appear on the internet are not displayed, and addresses are withheld when a seller asks. Likes, “Most Loved” and any price comparisons are turned off for listings whose sellers opted out of consumer comments or automated estimates.

6. Updates and Removal

IDX data is refreshed automatically at least every 12 hours (in practice every few minutes). Listings that are no longer active are removed from active search when NJMLS updates their status. Recent sales are shown only as market information, labeled as sold, with the listing brokerage credited.

7. Data Accuracy

All IDX listing information is deemed reliable but is not guaranteed accurate. NJMLS is the sole source of IDX listing data. If you believe any listing information is inaccurate, contact us at stephane@havatianhomes.com and we will look into it promptly.

8. Non-MLS Listings

Homes listed directly by their owners (“Homie Direct”), when available, appear only in their own tab, clearly labeled as owner listings that are not part of NJMLS, and are never mixed into NJMLS results.

9. Copyright

All NJMLS listing data displayed on AskHomie.homes is copyrighted by the New Jersey Multiple Listing Service, Inc. Listing photos belong to their owners and are displayed courtesy of each listing brokerage. AskHomie’s design and branding are owned by Havatian Homes LLC.

10. Contact

For listing data questions, corrections or removal requests:
Stephane Havatian, NJ Real Estate Salesperson (Lic. #1758156)
Coldwell Banker Realty, 2200 Fletcher Ave, Suite 714, Fort Lee, NJ 07024
stephane@havatianhomes.com · (201) 383-4634