WiseBuild manages rental homes and supplies construction materials in Clarksdale, Mississippi. To do that we hold information about tenants, owners and customers. This page says what, and why.
Three things worth knowing up front. Your card and bank details go to Stripe, not to us (section 4). We keep the record of the payment — amount, method, status, and the last four digits (section 5). And you can turn off balance reminder emails, though that does not clear a balance (section 9).
01
What this policy covers
1.1
This policy explains what information WiseBuild collects about you, why we collect it, who we share it with, and what you can ask us to do about it.
1.2
It covers the website at wisebuild.homes, the rent payment pages, our emails, and the information we hold as a property manager and as a material supplier.
1.3
WiseBuild is one company with two lines of business — rental property management, and construction material supply and renovation — both based in Clarksdale, Mississippi. This policy covers both.
1.4
Our Terms of Service explain the rules for using the site and for paying rent.
02
Information you give us
Depending on what you do, that can include:
- Contact details — your name, phone number, email address and postal address.
- Enquiry details — what you asked us in a contact form, a quote request or a WhatsApp message.
- Tenancy details — the property address, who lives there, your lease, your rent amount and your payment history.
- Application and screening details — what you provide when you apply for a property, and what a background or credit check returns, where one is run with your consent.
- Maintenance details — what is wrong, and any photographs or videos you send.
- Account details — an email address and password, if you create an account.
- Payment details — see section 4. Card and bank credentials go to Stripe, not to us.
2.1
Please do not send us a Social Security number, a bank account number, or a photograph of an identity document by email or through a contact form. If we need something like that, we will tell you the secure way to send it.
03
Information we collect automatically
3.1
When you visit the site, our servers and our hosting provider record ordinary technical information: your IP address, the browser and device you used, the pages you visited, and the date and time.
3.2
We use that to keep the site running, to fix errors, to understand which pages people actually use, and to detect abuse.
3.3
We do not build advertising profiles and we do not sell your information. See section 9 for cookies.
04
Your card and bank details go to Stripe, not to us
Your card number, bank account number and routing number are entered on Stripe’s page. They never reach WiseBuild’s servers and are never stored in our database.
4.1
Online rent payments are processed by Stripe, Inc. When you pay by card or bank transfer, you are taken to a checkout page hosted by Stripe and you type your details there.
4.2
We never see your full card number, your CVC, your bank account number or your routing number. We cannot retrieve them, because we never had them.
4.3
Stripe is a payment processor certified to the highest level of the card industry security standard (PCI DSS Level 1). Stripe processes your payment details as our sub-processor, and also for its own purposes as described in its policy. See stripe.com/privacy.
4.4
If you set up automatic payments, Stripe stores the bank account and the recurring-debit mandate. We store only an identifier that lets us ask Stripe to take the next payment — never the account number itself.
4.5
If you pay by money order, cash or check at our office, there is no card or bank data involved at all. We record the amount, the date and the reference number.
05
What we do keep about a payment
For each rent payment, our records hold:
- the property address the payment is for;
- the tenant name on file for that property;
- the amount of rent paid, and the card fee if you paid by card;
- the payment method — bank transfer, card, money order, cash or check;
- the status — pending, cleared, failed, returned or refunded;
- the date and time it was submitted, and the date and time it cleared or failed;
- the last four digits and the card brand, or the bank name, exactly as Stripe returns them to us;
- the reference Stripe gives the payment, so we can trace it if something goes wrong;
- the receipt we sent you.
5.1
The last four digits are there so you and we can tell one payment from another — “the card ending 4242”. They cannot be used to make a payment.
5.2
We keep these records because they are the accounting record of rent owed and rent paid, for you, for the property owner, and for tax.
06
Confirming it is you — the last four digits of your phone
6.1
Before we show you a rent balance, we ask for the last four digits of the phone number on file for that property. We compare them to what your lease record says.
6.2
That step exists for one reason: without it, anyone could type your address and read your name and what you owe. It is the lightest check we could find that does not force you to create an account or remember a password.
6.3
We do not store the digits you type, we do not use them for marketing, and we do not text you because of them.
6.4
If the phone number we have is out of date, call the office on +1 662 592 2946 and we will update it. You can still make a payment without passing this step — you just will not be shown the balance first.
07
The direct-deposit authorisation form
7.1
Separately from online rent payment, WiseBuild uses a written ACH / direct-deposit authorisation form for certain arrangements. It is not the online rent checkout described in section 4.
7.2
If you complete that form, it collects your bank name and address, your routing and account numbers, an identification number, your signed name, and an image of a voided check. Unlike the online checkout, that information is stored by WiseBuild — the form data in our database and the voided-check image in our file storage.
7.3
Access to it is restricted to WiseBuild administrators who need it to set up or verify a bank arrangement. We use it for that and for nothing else.
7.4
You can ask us to delete a stored authorisation once the arrangement it supports has ended, subject to the retention periods in section 13.
08
How we use your information
We use what we hold to:
- answer your enquiry and give you a quote;
- process an application and manage your tenancy;
- take rent, apply it to the right property, and tell you when it cleared or failed;
- keep an accurate balance, charge late fees where the lease provides for them, and send reminders while a balance is outstanding;
- arrange maintenance and repairs, and give a contractor what they need to do the job;
- supply materials and complete construction work you ordered;
- report to the property owner on their property;
- keep our accounts and meet our tax and legal obligations;
- detect and prevent fraud and abuse;
- improve the website.
8.1
We do not sell your information. We do not rent it out. We do not share it with advertisers.
8.2
We only send marketing email if you asked for it, and every marketing email has an unsubscribe link.
09
Emails about payments, and how to stop them
If you rent from us, we may send you:
- Receipts — when a payment clears.
- Failure notices — when a payment is declined, returned or reversed.
- Balance reminders — up to twice a week, only while a balance is outstanding.
- Autopay notices — at least 3 days before each automatic debit, with the amount and a cancel link.
- Money order instructions — the payee, the address and your reference number, when you choose that method.
9.1
To stop the balance reminders, email info@wisebuild.homes or call +1 662 592 2946 and ask. We will stop them.
9.2
We will still send receipts, failure notices and autopay notices. Those are records of your money moving and advance notice of a debit to your account — we are not willing to leave you without them. If you need them by post instead of email, ask us.
9.3
Opting out of emails does not clear a debt. It does not pause rent, stop late fees, cancel autopay, or stop any step we would otherwise take about an outstanding balance. It only stops the reminder landing in your inbox.
9.4
Our email is sent through Google (Gmail), so the content of an email to or from us passes through Google’s systems.
11
Documents, photographs and videos
11.1
Property photographs and videos, signed contracts and leases, uploaded documents and maintenance photographs are stored in Amazon Web Services S3, in the United States.
11.2
Marketing photographs and videos of properties are public by design — they are what the listing shows.
11.3
Documents that contain personal information — a signed lease, an authorisation form, an uploaded identity document — are not linked from the public site and are reachable only by WiseBuild staff who need them. Some files are served through links that anyone holding the exact link can open, so please do not forward a document link to someone who should not see it.
11.4
If a photograph of you, or of the inside of your home, is on our site and you would rather it were not, email us and we will take it down.
13
How long we keep information
13.1
Payment and accounting records — kept for at least seven years after the payment, because they are financial records and tax records.
13.2
Leases, contracts and signed documents — kept for at least seven years after the tenancy or the job ends.
13.3
Enquiries and quote requests — kept for around two years, then deleted or anonymised.
13.4
Maintenance records and photographs — kept for the life of the tenancy and for a period afterwards, because they show the condition of the property over time.
13.5
Website technical logs — kept for a short period, normally months rather than years.
13.6
Where something is needed for an ongoing dispute, a claim or a legal obligation, we keep it until that ends.
14
How we protect your information
14.1
The site is served over an encrypted connection (HTTPS). Sign-in passwords are stored hashed, not in readable form.
14.2
Access to tenant records, payment records and documents is limited to WiseBuild staff whose job needs it, and administrator areas require a sign-in.
14.3
The most valuable data — full card and bank credentials — is not ours to lose in the online rent flow, because Stripe holds it and we do not. That is deliberate.
14.4
No system is perfectly secure. If a breach affects your information, we will tell you and the relevant authorities as the law requires.
14.5
You can help: use a password you do not use elsewhere, and do not forward balance links or document links to people who should not see them.
15
Your choices and your rights
You can ask us to:
- Show you what we hold about you.
- Correct anything that is wrong — a misspelled name, an old phone number, a payment recorded against the wrong property.
- Delete information we no longer need to keep.
- Stop sending you reminder or marketing emails.
- Give you a copy of your payment history.
15.1
Email info@wisebuild.homes or call +1 662 592 2946. We normally respond within 30 days. We may need to confirm who you are first.
15.2
We cannot delete what we are required to keep — signed leases, accounting and payment records, and anything needed for an ongoing dispute or claim. See section 13.
15.3
Asking us to delete information does not clear a balance you owe, and does not end a lease.
15.4
We do not sell personal information, and we do not share it for cross-context behavioural advertising.
15.5
We will not treat you differently for exercising any of these rights.
16
Children
16.1
This website is for adults. It is not directed at children, and we do not knowingly collect information from anyone under 13.
16.2
If you believe a child has given us information, email info@wisebuild.homes and we will delete it.
16.3
Where a lease record names children as occupants, that comes from the adult tenant on the lease, not from the child, and is used only to administer the tenancy.
17
Other websites
17.1
Our site links to places we do not control — Stripe’s checkout, WhatsApp, YouTube, Google Maps. Once you are there, their privacy policy applies, not ours.
17.2
Messaging us on WhatsApp means WhatsApp carries that conversation.
18
Changes to this policy
18.1
We may update this policy. When we do, we change the Last updated date at the top of this page.
18.2
If a change materially affects how we handle payment information, we will tell tenants by email as well as posting it here.
18.3
Continuing to use the site after a change means the updated policy applies to you.
19
Contact us
Questions about this policy, or about what we hold on you — please get in touch. A phone call is fine.
- Email — info@wisebuild.homes
- Phone — +1 662 592 2946
- Post — WiseBuild, 626 N State Street, Clarksdale, MS 38614
See also our Terms of Service.
WiseBuild — 626 N State Street, Clarksdale, MS 38614 · info@wisebuild.homes · +1 662 592 2946