Multi-tenant does not have to mean shared visibility

A buyer working with an agent signs a written buyer representation agreement — with its compensation terms stated — before touring or submitting an offer.

The offer and tour flows cannot proceed for an agent-represented buyer until the agreement is attached to the contact record.

Buyer-broker compensation offers must not be displayed from MLS-sourced listing data.

Compensation fields are stripped on ingest from MLS feeds, so they cannot be rendered on the storefront even by configuration.

IDX display follows each MLS's own rules and attribution requirements.

Field-level display rules and required attribution are configured per MLS feed and applied at render time.

Real estate compensation moves only between licensed parties.

The split engine blocks any payout to a user without a verified license on file.

Aurum Estate's own fee is a software fee billed to the tenant, never a share of a commission or a percentage drawn from the closing.

The billing engine only knows flat per-deal and subscription line items; there is no sale-price percentage field to set.

A listing held by an MLS participant that is marketed off-MLS is filed with the MLS as an office exclusive or the local pre-marketing status first.

The off-market publish step requires an MLS filing reference before the listing can be exposed to any gated audience.

The seller signs a disclosure acknowledging what is given up by delaying public marketing.

A signed seller disclosure is a required attachment on the off-market listing record.

Once the listing is publicly marketed, it must be submitted to the MLS within one business day.

Turning on public marketing starts the one-business-day clock and blocks further gated distribution until the MLS submission is logged.

Gated exposure limits are configurable per MLS, because broad gated exposure may itself count as public marketing.

Viewer caps, qualification tiers, and audience scope are per-MLS settings, and the UI states that broad gated exposure may trigger the filing clock.

Wholesaling is regulated differently in each state — some require a license, some require specific disclosures, some have no special rule.

A per-state rule set gates publishing: an assignment deal cannot go live until the state's requirement is satisfied.

Where required, the buyer must be told that the wholesaler holds an equitable interest rather than title.

The required disclosure is attached to the deal and shown in the gated detail view in states that mandate it.

Wholesale assignment fees are tracked, not collected, by the platform.

The assignment fee field writes to the deal record for reporting and is excluded from every payout run.

Several states, including Illinois, Oklahoma, and Pennsylvania, regulate wholesaling activity.

Those states ship with the license-required or disclosure-required rule pre-set rather than defaulting to no rule.

Screening runs only through an FCRA-compliant consumer reporting agency, with the applicant's written consent.

Screening cannot be ordered without a recorded consent event, and consent is stored with the application.

A denied applicant receives an adverse action notice with the CRA's contact details and dispute rights.

Declining an application opens an adverse action workflow and will not close without the notice on file.

Screening criteria are published before the applicant applies, and the criteria fields exclude protected characteristics.

Criteria are set at the listing level and the field vocabulary is constrained; source-of-income options respect states and cities that protect it.

Total move-in cost is disclosed up front, and application fee caps, refund rules, banned fees, and deposit limits vary by jurisdiction.

A per-jurisdiction fee ruleset governs caps, refunds, banned fees, deposit limits, and deposit return deadlines.

Any fee passed to a renter must be configurable per jurisdiction and switchable off.

Renter-paid fees are off by default and must be enabled per jurisdiction, because some states and cities ban renter processing and junk fees.

The platform does not originate, broker, arrange, negotiate, or recommend a specific loan.

There is no rate-quoting or product-recommendation surface; pre-qualification begins only when the consumer asks for it.

Consumers see a lender directory and choose their own lender — not a matching engine that ranks or routes them.

The directory sorts on filters the consumer sets, with no platform-side ranking or lead routing.

Lenders may not pay per lead, per application, or per closed loan.

Lender plan types are limited to flat subscription and flat advertising at fair market value.

Each lender's NMLS ID is displayed on its profile and anywhere its name appears.

NMLS ID is a required field on the lender profile and renders with the profile in every context.

Affordability calculators are estimates, not credit decisions or offers of credit.

Affordability output carries its own label and is separated from any lender-provided pre-qualification result.

No payment to or from Aurum Estate or a tenant for the referral of settlement services.

Settlement-service categories (title, escrow, lenders, appraisers, settlement agents) can only be assigned flat-fee plan types in the admin dashboard. Per-lead, per-referral, per-order, and per-closed-loan plan types are not selectable for them.

Advertising to settlement-service providers is a flat fee at fair market value for a real placement.

Placements are sold as fixed-duration or fixed-slot flat fees, and every paid placement renders a "Sponsored" label.

Consumers are always shown other options and may choose a provider outside the marketplace.

Sponsored placements never suppress the directory, and provider sections state that the consumer may choose any provider.

Where a tenant owns or co-owns a title, escrow, or mortgage business, the consumer sees an Affiliated Business Arrangement disclosure.

Affiliated business relationships are declared on the tenant record and trigger the disclosure in the consumer flow.

Licenses are verified and displayed where they exist.

State real estate license, NMLS ID, title/escrow license, and appraiser license are verified before a provider can act and are shown on the profile.

Rent, deposits, and earnest money are held and moved only by a licensed payment or escrow partner.

Money movement is delegated to the payment partner's rails; Aurum Estate never holds or transmits funds as a principal.

Earnest money handling and disbursement follow the governing state's escrow rules.

The disclosure packet and funding checklist for each state name the licensed party that holds the deposit.

Any platform fee earned from a payment partner is disclosed.

Partner economics on the payment rail are listed in the revenue rules with the party that pays them.

SMS and autodialed calls require prior express written consent, captured separately and never pre-ticked.

Consent is a separate unchecked box with its own disclosure text, and the consent record is retained with its timestamp and source.

Opt-outs are honored, and quiet hours are enforced on outbound messaging.

The notification engine suppresses sends inside configured quiet hours and stops immediately on an opt-out keyword.

Email marketing follows CAN-SPAM, with a working unsubscribe and a postal address in every send.

Campaign sends require the sender identity and unsubscribe block, which cannot be removed per tenant.

State privacy laws, including the CCPA/CPRA, carry access and deletion rights.

Data-subject requests are handled from the support console with an auditable fulfillment trail.

Financial information gathered in lending flows is treated as nonpublic personal information.

Lending documents are field-encrypted, access-scoped to the deal, and excluded from analytics exports.

Search filters, listing copy, and generated text exclude protected characteristics.

Filter vocabulary is constrained at the schema level, and AI-generated copy cannot publish without human approval.

Every tenant storefront displays the Equal Housing Opportunity statement.

The statement is a fixed platform element, rendered per storefront and not removable by configuration.

Ad targeting tools must not target or exclude by protected class.

Boost and campaign targeting offers geography, price, and property facts only — never demographic or protected-class audiences.

Advertising across the platform is reviewed for discriminatory language.

Listing copy passes a review queue, and flagged phrases block publishing until they are revised.

Storefronts and the admin dashboard target WCAG 2.1 AA.

Keyboard operability, visible focus, semantic headings, and contrast are treated as acceptance criteria for every surface, including the demos on this site.

Uploaded media requires alternative text before it can publish.

The media library requires alt text on upload and blocks publishing without it.