The agreement discloses that eleven named Zillow-affiliated entities, including mortgage lending, title, escrow, and insurance subsidiaries, may refer users to each other, and that such referrals may generate financial or other benefits for the referring entities, their parent companies, and employees.
This analysis describes what Zillow's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision constitutes the affiliated business arrangement disclosure required under RESPA for settlement service provider referrals. The disclosure names eleven specific affiliated entities spanning mortgage, title, escrow, and insurance services, and states that referrals among them may produce financial benefits for the Zillow Group corporate structure.
Interpretive note: Whether the placement of this disclosure within master terms of use satisfies RESPA's separate, point-of-referral disclosure requirement is a compliance question that depends on CFPB guidance and enforcement posture.
The updated terms establish explicit consent for Zillow to contact you through email, phone calls, text messages, and in-app features using automatic dialing systems and prerecorded voices. These communications may include advertising or marketing offers alongside transactional messages. Message and data rates may apply depending on your carrier, and contact frequency will vary based on your account activity. You can opt out of text messages at any time by replying STOP, and calls with Zillow employees may be recorded for quality control and internal business purposes.
View change record →New disclosure of affiliated business entities and referral relationships clarifies financial incentives and interconnected services within the Zillow ecosystem.
View full change record →Under this clause, when Zillow connects a user to mortgage, title, escrow, or insurance services offered by affiliated entities, the referring company may receive a financial benefit. The agreement states that users are not required to use affiliated providers and may shop for settlement services independently, though the disclosure is embedded in the master terms rather than presented separately at the point of referral.
Cross-platform context
See how other platforms handle Affiliated Business Relationship and Referral Disclosure and similar clauses.
Compare across platforms →"This is to give you notice of business relationships among the following providers. Zillow, Inc. ("ZINC," which operates Zillow.com); Zillow Group Marketplace, Inc. ("ZGMI"); Zillow Homes, Inc. ("ZHO"); Zillow Home Loans, LLC ("ZHL"); Zillow Insurance Services, LLC ("ZIS"); Zillow Closing and Escrow Services CA, Inc ("ZCS CA"); Spruce Land Services LLC ("Spruce"); Spruce Land Services West LLC ("Spruce West"); Spruce Land Services Southwest LLC ("Spruce Southwest"); Spruce Land Services of Louisiana, LLC ("Spruce Louisiana"); and Spruce Land Services of Alabama, LLC ("Spruce Alabama") are affiliated companies and each may refer to you the services of another. Because of these relationships, any referrals of you by any of the Zillow Companies may provide the referred company, its direct or indirect parent (including Zillow Group), and our respective employees with a financial or other benefit.Excerpt from Zillow's Terms of Use
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This provision constitutes the affiliated business arrangement disclosure required under RESPA for settlement service provider referrals. The disclosure names eleven specific affiliated entities spanning mortgage, title, escrow, and insurance services, and states that referrals among them may produce financial benefits for the Zillow Group corporate structure.
Under this clause, when Zillow connects a user to mortgage, title, escrow, or insurance services offered by affiliated entities, the referring company may receive a financial benefit. The agreement states that users are not required to use affiliated providers and may shop for settlement services independently, though the disclosure is embedded in the master terms rather than presented separately at …
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