TERMS AND CONDITIONS OF SERVICE

Please read these Terms of Use (“Terms”, “Terms of Service”) carefully before using the website https://sbgroup.house/ and the services provided by SB Group (“We”, “Our Company”, “SB Group”).

Your access to and use of our services is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, clients, and others who access or use our real estate investment services.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of the terms, you may not access our services.

1. Description of Services

SB Group is a company specialized in personalized real estate investment strategies for entrepreneurs, executives, investors, and families seeking to build generational wealth through real estate. Our services include:

Strategic real estate investment advisory
Property purchase and sales
Property rental services
Full representation as a broker
Personalized investment plans
Educational programs (INVIERTE+, HELP, SerAgenteInmobiliario)
Advisory for international buyers

2. Licenses and Regulatory Compliance

SB Group operates under Florida state and U.S. federal regulations, including:

Florida Statute Chapter 475: Real Estate Regulations
RESPA (Real Estate Settlement Procedures Act): Real estate closing procedures
DBPR Regulations: Florida Department of Business and Professional Regulation
Federal consumer protection laws

3. Client Responsibilities

By using our services, you agree to:

Provide accurate, complete, and up-to-date information
Comply with all applicable federal, state, and local laws
Maintain the confidentiality of any access information provided
Immediately notify us of changes in your financial situation that may affect transactions
Review and understand all documents before signing them

4. Disclosures Required by RESPA and Florida

IMPORTANT DISCLOSURE: As a licensed real estate agent in Florida, SB Group has the obligation to disclose all known facts that materially affect the value of residential property and are not readily observable by the buyer.

Under Florida law, SB Group may act as:

Single Agent: Exclusively representing your interests
Transaction Broker: Providing limited representation to both parties
No Brokerage Relationship: Providing services without representation

5. Limitations of Liability

SB Group shall not be liable for:

Investment decisions based on unpredictable market conditions
Regulatory changes after the transaction
Information provided by third parties (inspectors, appraisers, etc.)
Losses resulting from client decisions contrary to our recommendations

6. Intellectual Property

All SB Group content, trademarks, educational programs, and materials are the exclusive property of the company and are protected by U.S. intellectual property laws.

7. Termination of Services

Either party may terminate the service relationship with a written 30-day notice. Termination does not affect obligations already incurred or rights acquired prior to the termination date.

8. Governing Law and Jurisdiction

These Terms shall be governed by the laws of the State of Florida and U.S. federal laws. Any dispute shall be resolved in the competent courts of Florida.

9. Modifications

SB Group reserves the right to modify these Terms at any time. Significant modifications will be notified at least 30 days in advance.

PRIVACY POLICY

SB Group (“we”, “our company”) values your privacy and is committed to protecting your personal information in accordance with U.S. privacy laws, including the California Consumer Privacy Act (CCPA), Florida regulations, and industry best practices.

1. Information We Collect

We collect the following personal information when you use our services:

Personally Identifiable Information:

Full name and surname
Email address
Phone number (landline and mobile)
Physical and mailing address
Date of birth

Financial Information:

Income and employment information
Credit history (when authorized)
Asset and debt information
Investment goals and risk tolerance

Transaction Information:

History of properties of interest
Real estate transaction details
Communications related to services

2. How We Use Your Information

We use your personal information to:

Provide personalized real estate advisory services
Process property purchase, sale, or rental transactions
Communicate with you about services and opportunities
Send relevant educational and marketing information
Comply with legal and regulatory obligations
Improve our services and develop new products
Conduct market analysis and research

We may share your information with:

Closing service providers: Title attorneys, title companies, inspectors
Financial institutions: To process mortgage loans
Regulatory authorities: When required by law
Authorized business partners: Only with your explicit consent

IMPORTANT: We never sell your personal information to third parties for marketing purposes. Any information exchange is solely to facilitate your real estate transactions or comply with legal obligations.

4. Your Privacy Rights

Under applicable privacy laws, you have the right to:

Access: Request a copy of the personal information we hold about you
Correction: Request correction of inaccurate information
Deletion: Request deletion of your personal information (subject to legal obligations)
Portability: Receive a copy of your information in a readable format
Opt-out: Refuse the use of your information for direct marketing
Non-discrimination: Not be discriminated against for exercising your privacy rights

5. Specific Rights for California Residents (CCPA)

If you are a California resident, you have additional rights under the CCPA:

Right to know what personal information is collected, used, and shared
Right to delete personal information
Right to opt out of the sale of personal information
Right not to be discriminated against for exercising your CCPA rights

6. Protection of Minors

Our services are not directed to minors under 18. We do not knowingly collect personal information from minors. If we discover that we have collected information from a minor, we will delete it immediately.

7. Data Security

We implement technical, administrative, and physical security measures to protect your personal information, including:

Encryption of sensitive data
Restrictive access controls
Continuous security monitoring
Regular staff training
Periodic security audits

8. Data Retention

We retain your personal information for as long as necessary to:

Provide ongoing services (generally 7 years after the last transaction)
Comply with legal recordkeeping obligations
Resolve disputes and enforce agreements

9. International Transfers

Your information may be processed on servers located in the United States. We implement appropriate safeguards to protect your information during international transfers.

10. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

Improve website functionality
Analyze site usage
Personalize your experience
Provide relevant content

You can control cookies through your browser settings.

11. Policy Updates

We periodically update this privacy policy. Significant changes will be notified by email or through a prominent notice on our website at least 30 days before they take effect.

12. Exercising Your Privacy Rights

To exercise any of your privacy rights, you may contact us using the information provided below. We will verify your identity before processing your request and will respond within 30 days.