AP
Group

Legal

Privacy Policy

This Privacy Policy explains how Andrew A. Persaud, AP Group, and Andrew A. Persaud, PLLC collect, use, and protect your personal information when you use this platform. Bang Realty, Inc. does not collect your information directly, though contracts for transactions completed through Andrew's brokerage capacity will be visible to Bang Realty, Inc. for compliance and recordkeeping purposes. Your information is used to represent you in your real estate transaction and to originate your mortgage if applicable. It is not sold. It is not shared with competing agents or platforms.

Effective Date: September 2026BK#: 534097NMLS#: 2026258Company NMLS#: 2445766
01

Who This Policy Covers

This Privacy Policy applies to individuals who use this platform — The Option House Method, operated by Andrew A. Persaud, Broker-Associate with Bang Realty, Inc. (FL BK# 534097) and licensed Mortgage Loan Originator through Realfinity (NMLS# 2026258 / Company NMLS# 2445766).

It covers information collected when you visit the platform, submit a consultation request, sign a Buyer Representation Agreement or listing agreement, or communicate with Andrew in connection with your home sale, purchase, equity analysis, or mortgage application.

This policy applies to consumer homeowners and home buyers. It does not apply to real estate agents, brokers, or other industry professionals accessing the platform for commercial purposes — that use is prohibited under the platform's Terms of Use.

02

Information We Collect

2.1 — Information You Provide Directly

Data TypeWhy We Collect It
Full nameIdentification and contract documentation
Email addressTransaction communication and program updates
Phone numberDirect communication, SMS updates, and call routing
Property addressRepresentation scope, valuation, and offer preparation
Ownership timeline and intentPath recommendation and follow-up cadence
Equity or financial profileCash-out, refinance, and Realfinity mortgage origination only
Preferred path (list, equity, cash offer)Routing to the appropriate licensed service

2.2 — Information Collected Automatically

  • IP address and approximate location
  • Browser type, version, and device type
  • Pages visited, time on page, and referral source
  • Form interaction behavior and submission events
  • Video behavioral data — percentage of video viewed — used to trigger follow-up sequences
  • When you watch 60% or more of a platform video, an automated SMS or call may be triggered. You can opt out of follow-up communications at any time.

2.3 — Information from Third Parties

  • We may receive supplemental property data from MLS, CoreLogic, and Remine through Bang Realty, Inc.'s board membership. This data is used exclusively to support your representation — to analyze properties, determine equity, and prepare offers or listings.
03

How We Use Your Information

Your information is used exclusively in connection with your representation and, if applicable, your mortgage origination:

  • Representation: To represent you as your agent — property analysis, offer preparation, negotiation, contract review, and closing coordination.
  • Path recommendation: To evaluate the three Option House paths — list for maximum price, unlock your equity, or direct cash offer — and recommend the right one for your goals.
  • Mortgage origination: If you choose Realfinity financing, your financial information is used to originate your loan through Andrew's licensed MLO practice.
  • Follow-up and pipeline routing: To route your inquiry, schedule consultations, and send transaction-related updates via SMS, email, and phone.
  • Platform improvement: Aggregated, anonymized usage data only. Individual transaction data is never used for this purpose.
  • Legal compliance: To fulfill obligations under Florida real estate law, NMLS regulations, RESPA, and applicable federal and state law.

What we do not do: We do not use your information to target you with third-party advertising. We do not sell your data. We do not share your information with competing agents, other brokerages, or lead aggregation platforms.

04

Legal Basis for Processing

  • Your consent — provided when you submit a consultation request or sign a representation agreement.
  • Contract performance — necessary to fulfill the representation and mortgage origination services you have requested.
  • Legal obligation — required by Florida real estate law (Chapter 475), NMLS regulations, RESPA, and applicable federal law.
  • Legitimate interest — to operate and improve the platform in a manner that serves homeowners and buyers seeking representation.
05

Information Sharing

Information submitted through this website is used solely by Andrew Persaud MLO, Andrew A. Persaud, PLLC, and The Option House Group to respond to inquiries and provide the services requested. Data will not be sold or shared with third parties for promotional or marketing purposes.

We may share information with service providers who process data strictly to operate this website and deliver our services — including MLS/IDX data providers and our CRM/communications platform — who are bound to use it only for that purpose, or as required by law, or with your explicit consent.

05b

SMS Terms and Conditions

We use SMS to confirm appointments, send reminders, and notify clients of schedule updates or important changes.

You can cancel the SMS service at any time. Just text "STOP." After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again.

If you are experiencing issues with the messaging program, you can reply with the keyword "HELP" for more assistance, or you can get help directly at privacy@theapgroup.io.

Carriers are not liable for delayed or undelivered messages. Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary. If you have questions about your text or data plan, contact your wireless provider.

06

SMS & Text Messaging

By submitting your phone number through this platform, you consent to receive SMS communications from Andrew Persaud and AP Group related to your representation, consultation scheduling, transaction updates, and program information. Message and data rates may apply. You may opt out at any time by replying STOP to any message.

SMS Opt-In Details

  • When you opt in to receive SMS messages from Andrew A. Persaud, PLLC, your phone number is collected solely for the purpose of sending you the messages you requested. We do not sell, share, or disclose your phone number or SMS opt-in data to third parties or affiliates for marketing purposes.
  • SMS communications are sent through GHL's LC Phone system, registered under A2P 10DLC carrier compliance.
  • Required A2P 10DLC Disclosure: Text messaging originator opt-in data and consent will not be shared with any third parties for any purpose. This applies to all SMS communications sent through this platform and associated phone lines.
07

Data Security & Retention

7.1 — Security

  • Your information is stored within GHL's encrypted CRM infrastructure. Access is restricted to Andrew Persaud and authorized platform administrators. We do not store financial credentials, social security numbers, or full credit card information on this platform. Mortgage application data is handled directly through Realfinity's licensed mortgage origination systems.
  • No system is completely secure. We take reasonable and industry-standard steps to protect your information. If a data breach occurs that affects your personal information, we will notify you as required by applicable law.

7.2 — Retention

  • Your information is retained for as long as necessary to complete your transaction and fulfill our legal obligations under Florida real estate law and NMLS recordkeeping requirements. Real estate transaction records are retained for a minimum of five years as required by Florida DBPR. After the required retention period, your information is securely deleted or anonymized.
08

Your Rights

You have the following rights regarding your personal information. To exercise any of them, contact Andrew directly.

Access

Request a copy of the personal information we hold about you in connection with your representation.

Correction

Request corrections to any inaccurate or outdated information in your contact record.

Deletion

Request deletion of your personal information, subject to legal retention requirements.

Opt-Out

Opt out of SMS, email, or call follow-up communications at any time.

Portability

Request a portable copy of your data in a structured, machine-readable format.

Withdraw Consent

Withdraw consent to data processing at any time, where consent is the legal basis.

09

Cookies & Tracking

This platform uses cookies and similar tracking technologies to operate the site, analyze traffic, and measure video engagement. We do not use cookies to sell your data to third parties. You can control cookies through your browser settings; disabling them may limit some platform functionality.

10

Children's Privacy

This platform is not directed to children under 18, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it.

11

Intended Audience

This platform is intended for homeowners and home buyers in Broward County and Miami-Dade County, Florida. Information about licensing, compensation, and credit programs is provided under Florida and federal law and may not apply outside this jurisdiction.

12

Changes to This Policy

We may update this Privacy Policy from time to time. The effective date below indicates when the policy was last revised. Continued use of the platform after changes constitutes acceptance of the updated policy.

13

Contact

For any privacy questions or to exercise your rights, contact Andrew Persaud at privacy@theapgroup.io or through floridaprorealtor.com.