By profession

AI for real estate agents: what the law requires before you use it

Writing twenty listings a week, answering fifty inquiries from listing sites, producing viewing reports the seller actually reads: an agency’s writing workload is real, and generative AI handles it well. One question remains that few tools address head-on: what happens to a seller’s contact details, the exact address of a property or a prospective tenant’s file once they are sent to a model. This page brings together what French law requires of a real estate agent who uses AI, an eight-point checklist that applies to any tool on the market, and the cases where it is not a fit.

Published on August 2, 2026 by the Moon AI team. Legal references checked at their source on that date.

What the law requires of a real estate agent who uses AI

In France, the profession is regulated by Law No. 70-9 of January 2, 1970, known as the Hoguet law, and its implementing Decree No. 72-678 of July 20, 1972. No text prohibits the use of generative AI. AI does not shift any responsibility, however: the holder of the professional license answers for the content of their listings, mandates and advice, whatever tool was used to write them. Three sets of obligations deserve attention. First, accurate listings: price, fees and who pays them, fee schedule, the classes of the DPE (the French energy performance certificate), condominium information, risks, SIREN number. Second, data: records of prospects, clients and prospective tenants are processing subject to the GDPR, and the tool that receives them becomes a processor within the meaning of its Article 28. Third, anti-money laundering diligence. As for Article 50 of Regulation (EU) 2024/1689 (the AI Act), applicable since August 2, 2026, its paragraphs 1 and 2 apply to the provider of the AI system, not to the agency that uses it; the agency is covered only by paragraph 4, for generated or edited images.

A real estate agent carries on a regulated activity: a professional license issued by the president of the chamber of commerce and industry (CCI), a financial guarantee of €30,000 for the first two years and €110,000 after that, professional liability insurance, a good-character requirement and continuing education of 14 hours a year or 42 hours over three years. Using AI changes none of these conditions and transfers no responsibility. source (in French)
Prices and fees must be displayed including all taxes, with the amount of the fees, who pays them and the fee schedule, including on the agency’s website and in listings (order of January 10, 2017). A written, signed mandate, the agency agreement, is required before any brokerage, and it is then entered in the agency’s register of mandates. source (in French)
The listing must show the energy and climate classes of the DPE, legible and in color, the estimate of annual energy costs preceded by the wording “Montant estimé des dépenses annuelles d’énergie pour un usage standard” (estimated annual energy costs for standard use), and the wording “logement à consommation énergétique excessive” (home with excessive energy consumption) for classes F and G. Failure to comply is punishable by up to €3,000 for an individual and €15,000 for a legal entity (Articles L. 126-26 to L. 126-33 of the French Construction and Housing Code). source (in French)
A sale listing must also give the price and whether fees apply, their amount and who pays them, condominium information (status, number of units, average annual charges, ongoing proceedings) under Articles L. 721-1 to L. 721-3 of the French Construction and Housing Code, the statement pointing to Géorisques, the French government’s risk information website, and the agency’s SIREN number (French company identifier). source (in French)
Files on prospects, clients and applicants fall under the GDPR: a specified purpose and a legal basis (Article 6), data minimization and a limited retention period (Article 5), a written contract with any processor (Article 28), technical and organizational security measures (Article 32). Pseudonymization reduces the risk but does not take the data outside the scope of the regulation (Article 4(5)). source (in French)

What AI does in practice

Each case lists the personal data it involves, and therefore what Moon Blur removes before sending to the model.

Writing listings from the mandate details

You provide the features noted at the mandate appointment. The tool produces a structured text, then short versions for listing sites, the agency window and social media. You keep control of the price, the fees and who pays them, and the DPE classes, which are never made up and are copied from your documents.

Data involved: Client’s name, exact address of the property. Moon Blur pseudonymizes identifiers and addresses before sending to the model, then restores them; the client’s name is masked only if it is in your terms to mask. A reason for selling written out in plain words is not detected: do not enter it.

Answering inquiries from listing sites

Twenty similar inquiries arrive every day, and the speed of the first reply weighs on the conversion rate. The tool writes a personalized reply from the property sheet and the question asked, suggests two viewing slots and lists the documents to prepare. You review before sending, especially when the reply commits you on a floor area, a condominium charge or an amount.

Data involved: The inquirer’s email address and phone number are pseudonymized before sending to the model; their name only if it is in your terms to mask. A budget or a professional situation described in free text is not detected.

Formatting a valuation report

The valuation remains yours: you choose the comparable references, apply the adjustments and set the range. The tool writes the document around your figures, explains the method used, restates the market description you give it and lays out the report handed to the owner. It has no database of sales references.

Data involved: Identity and contact details of the owner, address of the property, addresses of the comparable properties. Contact details and addresses are pseudonymized before sending to the model and restored in the returned document; the owner’s identity only if their name is in your terms to mask.

Writing viewing reports for the client

You dictate or type your notes after three viewings. The tool turns them into a readable report, groups recurring objections and drafts a repositioning proposal when the feedback converges. The client receives a regular document, which counts when it is time to renew the mandate.

Data involved: Visitors’ names: they are masked only if they are in your terms to mask. Assessments of creditworthiness or family situation are free text and are not detected: do not enter them.

Preparing follow-ups with prospects

The tool writes follow-up messages for the stage each contact is at: a buyer waiting for financing, a seller still hesitating, a mandate about to expire. Your prospect database stays in your business software. A useful reminder: email marketing to individuals requires their prior consent, except for existing customers contacted about a similar service.

Data involved: Prospect’s name, contact details and history of exchanges. Contact details are pseudonymized before sending to the model, which works only on the context of the follow-up; the name only if it is in your terms to mask.

Preparing the documents and checklist for a mandate

Before the appointment, the tool lists the diagnostic reports and documents to gather according to the type of property, its year of construction and its condominium status, then prepares a draft letter to the owner. The mandate itself is still drafted on your template, signed, dated in two originals and entered in the agency’s register of mandates.

Data involved: Civil status of the clients, cadastral references, unit number. Cadastral references, unit numbers, dates and places of birth are pseudonymized before sending to the model; names only if they are in your terms to mask. A marital situation described in free text is not detected.

Eight questions to ask about a tool

This checklist applies to any tool on the market. The last column gives Moon AI’s answer, including when it is no.

Checklist for evaluating an AI tool for real estate agents
Criterion	Why it matters here	Moon AI
Where data is hosted and processed	A property file contains identity documents, tax notices and loan certificates. Processing outside the European Union is not prohibited, but it requires documented safeguards under Chapter V of the GDPR.	Partial. App and storage at OVHcloud, in Strasbourg and Roubaix. Requests to third-party models go to their publishers, several of them outside the EU, after passing through Moon Blur.
Processing agreement under Article 28	The agency remains the data controller. Without a written contract covering instructions, security, subprocessors and what happens to the data at the end of the contract, it cannot demonstrate compliance during an inspection.	Data processing agreement and list of subprocessors published in the site’s legal center.
Pseudonymization before sending to the models	A listing, a viewing report or a rental application is dense with identifying data. Sending it in plain text to a third-party model means disclosing it to an additional recipient.	Moon Blur masks more than 150 categories of identifiers it detects before sending to third-party models and restores them on return: pseudonymization within the meaning of Article 4(5) of the GDPR, which does not turn them into data that no longer identifies anyone. Names are masked only if they are in your terms to mask.
What happens to content sent to third-party models	Text reused to train a model leaves your control for good. The question needs a written answer, provider by provider, not just a general sales assurance.	Partial. Moon Blur removes identifiers before sending; the retention policies of third-party publishers remain those of each publisher.
Deletion and retention of exchanges	Article 5 of the GDPR limits retention to what the purpose requires. Exchanges about an expired mandate or a buyer who has gone inactive have no reason to stay indefinitely in a writing tool.	Partial. Conversations can be deleted from the account. No automatic purge configurable per file is offered.
Separate access between colleagues	A sales agent has no business viewing a colleague’s portfolio, and a departure must mean that access is cut off immediately. This is also what an inspection of processing security looks at.	Workspaces with named seats: a colleague’s access is cut off when their seat is revoked. Details of the access logs are not publicly documented.
Human review of regulated information	Price, fees and who pays them, fee schedule, DPE classes, condominium units: an inaccuracy can be treated as a misleading commercial practice. No tool should be able to publish a listing without review.	No automatic publishing to a listing site. The texts produced are drafts, to be checked and approved by the license holder.
Disclosure of generated or edited images	Article 50(4) of Regulation (EU) 2024/1689 applies to the deployer: a property image generated or edited by AI, virtual staging included, must be disclosed as such. The obligation is yours, not the publisher’s.	Partial. Images created by Moon AI carry a machine-readable marking (metadata); no visible notice is added: disclosing it to the public is up to the agency. Moon AI publishes nothing to a listing site.

When to rule out a tool

Objective criteria, verifiable in any publisher’s public documentation.

The app and the data hosted outside the European Union, or data sent to third-party models outside the European Union without prior pseudonymization and without documented safeguards for the transfers under Chapter V of the GDPR.
No written processing agreement under Article 28 of the GDPR, or a refusal to disclose the list of subprocessors.
Content you enter reused to train models, with no way to object.
Automatic publishing of a listing to a listing site, with no human approval step for the mandatory information.
No way to delete the exchanges about a closed mandate, or no retention period available in writing.

What Moon AI does not do

A page for professionals that concedes nothing is not credible to them.

Moon AI is not transaction software. It does not keep the register of mandates, does not match buyers with properties and publishes nothing to listing sites. It does not replace your business software.
Moon AI does not value a property. It has no database of sales references and so cannot support a price. It formats a valuation you have made.
Moon AI checks no regulated information: not the validity of a DPE, not the Carrez floor area (the legally defined floor area of a condominium unit), not whether a fee schedule complies. What it produces remains a draft to review.
Moon Blur detects only identifiers. Information written in free text, such as a reason for selling or a view on an applicant, goes to the third-party model as it is. Moon AI does not exempt you from any professional obligation.

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Frequently asked questions

Can I have my listings written by artificial intelligence?

Yes. No text prohibits writing a listing with the help of AI: what is regulated is the content of the listing, not the tool used to write it. The mandatory information is still required: the price and whether fees apply, the amount of the fees and who pays them, the fee schedule, the DPE energy and climate classes, legible and in color, the wording logement à consommation énergétique excessive (home with excessive energy consumption) for classes F and G, condominium information, the reference to Géorisques and the agency’s SIREN number. Article 50 of Regulation (EU) 2024/1689 adds no “written by AI” label here: its paragraphs 1 and 2 are addressed to the model provider, and its paragraph 4 covers texts only when they inform the public on matters of public interest, which a sales listing does not.

Do I have to tell my clients that I use AI?

For a text you review, approve and sign, there is no specific duty to inform. Article 50(1) of Regulation (EU) 2024/1689, applicable since August 2, 2026, makes the provider of the system, not the agency that uses it, responsible for designing it so that people know they are dealing with an AI. You take on that duty only if you offer the assistant under your agency’s name: Article 25 then makes you a provider. If you generate or edit property images, paragraph 4 applies to you directly as a deployer: you must disclose that the image has been artificially generated or manipulated. An assistant that answers listing-site inquiries on its own should carry a clear notice. Our processing operations are described in our privacy policy.

Can I enter a seller’s or a prospective tenant’s contact details?

You can, provided you know where that data goes. Your files on prospects, clients and applicants are processing subject to the GDPR: a specified purpose, a legal basis, data minimization, a limited retention period and a data processing agreement with the tool you use. In Moon AI, Moon Blur removes identifiers before sending to third-party models, across more than 150 categories, including addresses, tax numbers and IBANs, then restores them in the answer. This is pseudonymization within the meaning of Article 4(5) of the GDPR, which does not turn the data into data that no longer identifies anyone: it remains personal data, and this mechanism does not exempt you from having a legal basis, from informing the people concerned or from keeping your record of processing activities. An assessment of an applicant’s creditworthiness written in free text is not detected. Details are in our data processing agreement.

Can AI value a property for me?

No. A language model has no access to actual sales references in your area and produces plausible figures with no verifiable basis. The valuation remains a professional act: you select the comparables, apply the adjustments and set the range. AI is useful for the writing, that is structuring the document, explaining the method, restating the description of the area and laying out the report handed to the owner. Never ask it for the price.

Can AI help me with my anti-money laundering obligations?

It can help you prepare your internal materials, not carry out your obligations. Real estate agents are among the entities subject to anti-money laundering and counter-terrorist financing rules, under Article 2(1), point (3)(d), of Directive (EU) 2015/849, transposed into Articles L. 561-1 et seq. of the French Monetary and Financial Code. For rental brokerage, the directive covers only transactions with a monthly rent of €10,000 or more. Customer due diligence and suspicious transaction reporting obligations are personal. AI can draft your internal procedure, your template for collecting supporting documents or your risk assessment grid; assessing a suspicion and filing the report are up to you alone.

How much does Moon AI cost, and can I try it before committing?

There is a Free plan, with no credit card. Paid plans range from €9.90 to €249.90 per seat per month, VAT included (Lune, Étoile, Constellation, Galaxie, Univers), with no commitment and 20% off extra seats in the same workspace. An agency with three sales agents can therefore start with one seat and add more later. The subscription gives access to more than 100 models, including Moon 6, the in-house model, and to Word, PDF, Excel and PowerPoint document generation. Details are on the pricing page.

Sources

References checked on August 2, 2026. This page describes the law that applies in France as it stood on that date and is not legal advice. If you are unsure about a specific situation, consult your professional body or an adviser. Spotted an error? Write to contact@stellarrstudio.com.