Privacy Policy

1. Introduction

Spurgeon Appraisals LLC ("Spurgeon Appraisals," "we," "us," or "our") provides residential, agricultural (farm), and commercial real estate appraisal services in Missouri, Illinois, and Iowa. This Privacy Policy explains what information we collect, how we use and protect it, and the choices you have. It applies to our website (spurgeonappraisals.com), our order and quote forms, email, phone, text message communications, and all appraisal engagements.

2. Information We Collect

We collect only the information needed to quote, complete, and deliver an appraisal assignment, including:
• Contact information: name, company, title, mailing address, email address, and phone number.
• Property information: property address, legal description, parcel numbers, acreage, improvements, photographs, floor plans, leases, rent rolls, income and expense statements, surveys, and similar documents.
• Assignment information: intended use, intended users, loan or case numbers, borrower or owner names, attorney or lender contacts, and property access instructions.
• Billing information: invoice and payment records.

3. How We Collect Information

Directly from you when you request a quote, place an order, sign an engagement letter, or contact us; from lenders, appraisal management companies (AMCs), attorneys, government agencies, and other clients who order an appraisal on your behalf; from public records, MLS and data services, county assessor and recorder offices.

4. How We Use Information

To prepare quotes and in the completed report(s).
• To schedule and perform property inspections.
• To research, develop, and report appraisal opinions.
• To deliver reports, invoices, and assignment updates.
• To respond to questions, revision requests, and reconsiderations of value.
• To maintain work files as required by the Uniform Standards of Professional Appraisal Practice (USPAP) and state licensing laws.
• To send service updates and, where you have agreed, marketing communications.
• To comply with legal, regulatory, and insurance obligations.

5. Confidentiality of appraisal assignments

Appraisers are bound by the Confidentiality section of the USPAP Ethics Rule. We do not disclose confidential information or assignment results to anyone other than the client, parties the client specifically authorizes, state appraiser regulatory agencies, third parties authorized by due process of law, or a duly authorized professional peer review committee.

6. How We Share Information

We do not sell or rent your personal information. We share it only as follows:
• With our client and the intended users named in the report.
• With trusted service providers who help us operate our business (for example, customer relationship management, cloud file storage, email, accounting, e-signature, and payment processing). They may use information only to provide services to us.
• With state appraiser licensing boards, courts, or government authorities when required by law, subpoena, or court order.
• With our professional liability insurer or legal counsel when necessary to protect our rights

7. TEXT MESSAGES (SMS)

If you provide your mobile number and consent to receive text messages, we may text you about appointments, order status, and document requests. Message frequency varies. Message and data rates may apply. Mobile numbers and text-messaging consent are never shared with third parties or affiliates for their marketing purposes.

8. Email marketing

We may send newsletters or service announcements to clients and business contacts. Every marketing email includes an unsubscribe link. Opting out of marketing does not stop messages related to an active assignment.

9. Cookies and Website Analytics

Our website may use cookies, pixels, and analytics tools to understand site usage and improve our services. You can disable cookies in your browser settings; some site features may not work properly if you do.

10. Data retention

USPAP requires appraisers to keep a work file for each assignment for at least five (5) years after preparation, or at least two (2) years after final disposition of any judicial proceeding in which the appraiser testified, whichever period expires last. We keep assignment records for at least that period, and other information only as long as needed for the purposes described in this policy or as required by law.

11. Data Security

We use reasonable administrative, technical, and physical safeguards, including password-protected systems, access controls, and secure cloud storage, to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

12. Your choices and rights

You may request access to, correction of, or deletion of your personal information by contacting us. Some information cannot be deleted where we are required to retain it under USPAP, licensing law, or other legal obligations. We will respond to verified requests within a reasonable time.