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0% Down: How can you SAVE MONEY using NY first-time home buyer programs?

Knowledge is power. Learn how to borrow intelligently:

Buying your first home is a big step toward financial independence and wealth development.Most first-time homebuyers don’t realize the opportunities available to them and often times waste unnecessary time delaying their home purchasing ultimately costing them tens of thousands of dollars that could have been saved for their long-term financial health.

Mortgage lending can be expensive, but it doesn’t have to be. There are programs available to you if you are a New York State first-time homebuyer, that almost no one in the world gets access to. Interest rates that are extremely cheap, grants for your down payment, ways to wrap your closing costs into the mortgage using seller financing secrets. The list goes on, and the gold is found in the details of the transaction.

We found a NYC and New York State mortgage product for first-time homebuyers which just saved over $7500 a year (Thousands of dollars!!), making national mortgage rates look like a joke. How can you save thousands on closing costs, interest costs, and potentially buy your first home with no money down in New York? It is possible, but who knows for how long…

How can you buy with no down payment requirement for first time homebuyers in NY?

Learn about a mortgage hack that allows people at almost any income level purchase their first home with a government grant that effectively reduces your downpayment to 0%. That’s right, you can buy a home in New York and NYC for $0 down, and only need to be responsible for MINOR closing costs. We recently positioned a client of ours to purchase a near $500,000 home for only $16,500, and they are now paying over $500 less than they were as renters, while gaining two bedrooms and an opportunity to rent out part of their property for passive income!

This is a home mortgage program you need to learn about.

Click here to contact and speak with us now about how you can buy a home using this program today: 
(646) 680-9118
Send us a message here: https://thejamesruffgroup.com/contact-us/

Schedule a time to ask any questions you have at a time that is best for you here:

Share this video: https://www.youtube.com/watch?v=hgkA6joom3A

All rates are subject to the borrowers eligibility, and must be verified with the lender having submitted all required documentation. The James Ruff Group LLC is a licensed real estate broker, and does not perform residential home loans. This video’s purpose is for educational purposes only.

#nomoneydown #firstimehomebuyers #newyorkrealestate0% Down: How can you SAVE MONEY using NY first-time home buyer programs?

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Avoid A Major Reason People Fail To Buy A Home December 6, 2022 Did you know that you have home lending options that can span anywhere from 0% down upward? We recently helped a client buy a home for 5% down! Whether you’re a first-time or repeat buyer, chances are you don’t need to put 20% down when buying a home. Let’s connect to make sure you have all the facts you need to know in the homebuying process. Sources used for data: https://myhome.freddiemac.com/buying/down-payments-and-pmi https://www.nar.realtor/research-and-statistics/research-reports/highlights-from-the-profile-of-home-buyers-and-sellers
Avoid This Common Mistake When Purchasing a Home
Off Market Homes Miami - Get your free list. Call (786) 461-1911 today, or click here for MORE INFO: https://www.thejamesruffgroup.com/off-market Want to schedule a time that is convenient for you to speak? Use our calendly link here: https://calendly.com/jamesrruff Share this video: https://www.youtube.com/watch?v=GLxZw_Am7N4 One of the super powers of buying homes is making sure you have first access to a home before everyone else knows it's for sale. Get your free list of off-market homes in Miami, Miami Beach, the Venetian Islands, Fisher Island, Key Biscayne, Brickell. Coconut Grove, Coral Gables, and Pinecrest. Visit my website for more details https://thejamesruffgroup.com/off-market or call today at (786) 461-1911 We have hard to find properties, private housing invetory, that can't be found using Zillow, Redfin, Realtor, or anywhere else. These properties and homes are NOT LISTED publicly. Call today if you would like your FREE list of: Off-market homes in Miami Off-market homes on Miami Beach Off-market homes in the Venetian Islands Off-market homes on Fisher Island Off-market homes in Key Biscayne Off-market homes in Brickell Off-market homes in Coconut Grove Off-market homes in Coral Gables Off-market homes in Pinecrest Beat the market, buy your home privately or sell your home privately and quietly. James Ruff Connect with us! (786) 461-1911 https://Thejamesruffgroup.com/off-market The James Ruff Group LLC is a licensed real estate broker. #offmarketlistings #miamirealestate #realestatehacks
Off Market Homes Miami - Get your free list
Gorgeous Art Deco Miami Beach Real Estate at 248 Washington Ave, Miami Beach, FL 33139. Connect with us! (786) 723-8636 https://Thejamesruffgroup.com/florida To schedule a time to ask any questions you have at a time that is best for you here: https://calendly.com/jamesrruff Share this video: https://www.youtube.com/shorts/xG_7xHHVV9I Unique properties like no where else in the world. Miami Beach Art Deco district in the South of Fifth and the neighboring areas in South Beach and near Flamingo Park is one of the most interesting areas architecturally in terms of history and playful designs. I love this!! It reminds me of Barcelona! James Ruff The James Ruff Group LLC is a licensed real estate broker. #artdecomiami #miamibeachrealestate #uniquehomes
Miami Beach Real Estate - Gorgeous Art Deco super unique!
Why are Proof of Funds (POF) important in real estate? Call (646) 680-9118 or Click here to contact and speak with us now about how you can buy a home using this program today: https://calendly.com/jamesrruff Share this video: https://www.youtube.com/watch?v=VDawGLBoBsc The importance of having proof of funds in a real estate transaction readily available before looking for a home cannot be understated. Many home buyers lose the property of their dreams simply because they aren't properly prepared in advance, so that they are ready to do a transaction when the time comes, and they make an offer to buy a home. Knowing what financial information you should compile, why, and when to do this is one of the most fundamental keys to successfully completing a real estate transaction. This video touches on the high level concept of proof of funds, aka POF, and why this is a critical step in any real estate transaction, especially when in a seller's market or when bidding for a highly competitive and desirable property. Real estate is a financial transaction that is generally more complicated than most people expect or are prepared for. We discuss the importance of having your cash ready and easily available to evidence your ability to close on a transaction, which is a key to instilling confidence in a seller, which will ultimately motivate them to transact with you. In addition, we touch on how to buy a home using lending, and several different types of mortgage lending pre-qualification and pre-approval key concepts to help you better prepare for your home purchase. If you have more questions regarding getting qualified for a home purchase transaction, or would like information on the process and how to get prepared for your intended purchase please feel free to contact us below and we will do our best to assist you get prepared so that you can win the home of your dreams and set yourself on the path of financial health and wellbeing. James Ruff Connect with us! (917) 909-8063 https://Thejamesruffgroup.com The James Ruff Group LLC is a licensed real estate broker. #learnrealestate #proofoffunds #homebuying
Why are Proof of Funds (POF) important in real estate?
How to SAVE MONEY with first time home buyer programs every year. Call Click here to contact and speak with us now about how you can buy a home using this program today: (646) 680-9118 Send us a message here: https://thejamesruffgroup.com/contact-us/ Schedule a time to ask any questions you have at a time that is best for you here: https://calendly.com/jamesrruff Share this video: https://www.youtube.com/watch?v=hgkA6joom3A Buying your first home is a big step toward financial independence and wealth development. Most first-time homebuyers don't realize the opportunities available to them and often times waste unnecessary time delaying their home purchasing ultimately costing them tens of thousands of dollars that could have been saved for their long-term financial health. Mortgage lending can be expensive, but it doesn't have to be. There are programs available to you if you are a New York State first-time homebuyer, that almost no one in the world gets access to. Interest rates that are extremely cheap, grants for your down payment, ways to wrap your closing costs into the mortgage using seller financing secrets. The list goes on, and the gold is found in the details of the transaction. We found a NYC and New York State mortgage product for first-time homebuyers which just saved over $7500 a year (Thousands of dollars!!), making national mortgage rates look like a joke. How can you save thousands on closing costs, interest costs, and potentially buy your first home with no money down in New York? It is possible, but who knows for how long... Learn about a mortgage hack that allows people at almost any income level purchase their first home with a government grant that effectively reduces your downpayment to 0%. That's right, you can buy a home in New York and NYC for $0 down, and only need to be responsible for MINOR closing costs. We recently positioned a client of ours to purchase a near $500,000 home for only $16,500, and they are now paying over $500 less than they were as renters, while gaining two bedrooms and an opportunity to rent out part of their property for passive income! This is a home mortgage program you need to learn about. Call for more information: (917) 909-8063 https://Thejamesruffgroup.com All rates are subject to the borrowers eligibility, and must be verified with the lender having submitted all required documentation. The James Ruff Group LLC is a licensed real estate broker, and does not perform residential home loans. This video's purpose is for educational purposes only. #nomoneydown #firstimehomebuyers #newyorkrealestate
How to SAVE MONEY with first time home buyer programs every year
First time homebuyer saves $800 Monthly on $600K Mortgage for no extra cost! Call (646) 680-9118 or Click here to contact and speak with us now about how you can buy a home using this program today: https://thejamesruffgroup.com/contact-us/ To schedule a time to ask any questions you have at a time that is best for you here: https://calendly.com/jamesrruff Share this video: https://www.youtube.com/watch?v=8oDv0d-BURU NYC and New York State first time homebuyer mortgage program which can save you thousands of dollars a year, beating the national average by a landslide. Would you like to learn how to save thousands on closing costs, interest costs, and potentially buy your first home with no money down? That's right buy a home in New York with 0% down! Imagine this: You can buy a home for as little as 3% of a transactions TOTAL property value, cutting your monthly housing costs substantially, and begin your journey toward financial wellbeing and prosperity. We recently helped a client move into a little-known mortgage program that is available only to New York State residents who are first-time home buyers where they purchase a home for around $600,000 and only had to come up with $20,000! Add to this that they were able to get a home mortgage almost at a discount of almost 2% from the national average and that their mortgage payments reduced their monthly bills by almost $1000 dollars! They now own a home, which has a rentable basement worth somewhere between $1200-$1500 a month in passive income and are well on their way to financial prosperity. First time homebuyers often delay for YEARS without necessity simply because they aren't aware of the opportunities available to them had they simply taken the time to LEARN WITHOUT ASSUMING they can't afford a home. Home ownership is the single most profound element of financial strength and provides economic opportunities for personal growth that few renters will ever see or realize. How can you buy a home with $0 down? We can teach you. How can you reduce your closing costs by an average of 50%? We can teach you. How can you get a seller to pay for, or help you finance the biggest expense around buying your new home? We can teach you. Do you like making someone else rich by paying your rent, which is effectively paying their mortgage? Did you know that as a renter you are technically paying 100% interest on a home you have 0% ability to resell and recapture equity, appreciation, or any value? Stop making someone else wealthy with your hard earned money. Learn how to become a home owner today and DO NOT delay. This mortgage program likely will not last for long. This is a lending product you need to know about. Call for more information: (646) 680-9118 https://Thejamesruffgroup.com All rates are subject to the borrowers eligibility, and must be verified with the lender having submitted all required documentation. The James Ruff Group LLC is a licensed real estate broker, and does not perform residential home loans. This video's purpose is for educational purposes only. #firsttimehomebuyertips #firstimehomebuyers #newyorkrealestate
First time homebuyer saves $800 Monthly on $600K Mortgage for no extra cost!
Choosing the Top Rated Real Estate Agent in New York & Florida is key to your success in a real estate transaction. Visit our website for more details here: https://thejamesruffgroup.com/contact-us/ Or feel free to call today at (786) 461-1911 Share this video: https://www.youtube.com/watch?v=bDzxA03m3es We specialize in off market and hard to find home to make sure you can beat the market and get exactly what you are looking for whether buyer or selling your home. Do you think it would hurt your chances of winning the home of your dreams if you knew what properties are for sale before everyone else? How could lists of off-market homes help you find your dream home? What would being the only person at the negotiation table do to increase your odds of getting the property you desire? Are you happy with your agent? Do they go above and beyond to help you achieve your goals? Contact us and find out how working with top-of-the-industry agents can change your life forever. Please feel free to reach out to us directly with any questions or concerns, or if you would like to enroll in our off-market property service. James OFF MARKET HOMES: Off-market properties, shadow inventory, direct buyer to seller transactions, private sales, these are some of the MOST IMPORTANT tools in the real estate market. Being able to access property that no one else knows about should seem obvious in its importance, but very few people actually know how to leverage this unique solution to finding a home. Most buyer's agents are lazy, they sit around waiting for a buyer to tell them about a home they found, or at best they subscribe their buyers to a pre-populated list of homes. Rarely if ever do most agents go above and beyond and help their clients find properties that they can't already find on their own. Off Market home lists can be found for FREE here: www.thejamesruffgroup.com/off-market-homes AGENTS: Are you an agent and not sure how to differentiate yourself or perform this most VITAL of skills for clients, and for your own investment goals? Contact us, join our team, and we will teach you.
Choosing the Top Rated Real Estate Agent in New York & Florida
Are you curious about how to find off market real estate deals and avoid home bidding wars? Call today at (786) 461-1911 to get your free list of off-market homes in Miami, Miami Beach, the Venetian Islands, Fisher Island, Key Biscayne, Brickell. Coconut Grove, Coral Gables, and Pinecrest or visit our website for more details: https://thejamesruffgroup.com/off-market-homes Share this video: https://www.youtube.com/watch?v=sATmeUS-FMA There is an entire inventory of homes that you cannot find on the internet that are unlisted and for sale. How can a FREE list of private home sales empower you to beat today's housing market? This video shares how you can be the only person negotiating on a home so that you can avoid bidding wars, and control the negotiation as a buyer. Are you afraid to sell your home because you don't know how you will find a replacement property because of housing inventory shortages? Would you like to know how to do a direct deal with an owner and be the only offer on the table? Are you interested in purchasing a short-sale or foreclosure? Would you like to know how to avoid the bidding wars, or how to stay out of multiple offer situations and still get the home of your dreams? We can provide you off-market homes throughout Florida, and New York City. Learn how to get a deal in today's housing market. We are off-market specialists, we can and will provide you deals that aren't publicly available and that you cannot find anywhere else. Click HERE for more information and your FREE list of Off-market homes: https://www.thejamesruffgroup.com/off-market-homes Connect with us! (786) 461-1911 https://Thejamesruffgroup.com/off-market-homes The James Ruff Group LLC is a licensed real estate broker. #Offmarkethomes #offmarketlistings #realestate
How to find off market real estate deals and avoid home bidding wars
NEW! Off Market Waterfront Property Miami Real Estate. Call (786) 461-1911 today, or click here for MORE INFO about this property and for your free list of off-market properties to beat the market today: https://www.thejamesruffgroup.com/off-market Want to schedule a time that is convenient for you to speak? Use our calendly link here: https://calendly.com/jamesrruff Share this video: https://www.youtube.com/watch?v=YdViL2QMNjE The best way to beat the market is to purchase a home before it enters the market. Avoid the madness and get this home as a private sale. This gut renovated full-amenity waterfront condominium is a gem stone property along Miami's waterfront in the coveted South of Fifth neighborhood of Miami Beach. We have off-market privately selling homes from Miami to Palm Beach, throughout New York City, and the Hamptons. https://www.TheJamesRuffGroup.com info@thejamesruffgroup.com #offmarketlistings #miamirealestate #miamibeachrealestate
NEW! Off Market Waterfront Property Miami Real Estate
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Addresses:
80 Nassau Street New York, NY, 10038

325 Meridian Ave, FL, NY, 33139

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The James Ruff Group LLC Privacy Policy

 

We are committed to respecting your right to privacy and protecting your information when you visit or use our services.

This privacy policy also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

We want you to understand what information we gather about you, how we use it and the safeguards we have in place to protect it. This Privacy Policy applies to information collected through this website and otherwise. Your use of this website and our services, and any disputes arising from it, is subject to this Privacy Policy as well as the Terms of Use and all its dispute resolution provisions, including arbitration, limitation on damages and choice of law.

This website is a general audience site and we do not knowingly collect personal information from children under the age of 13.

If you have questions or concerns regarding this policy, you should first contact us at info@thejamesruffgroup.com

Email and Email Addresses
We collect your email address when you provide it to us through our website or when you sign up for our blog. We will never sell your email address. We will only use your address to communicate with you regarding the servicing of your accounts or to make you aware of products and services that may be of interest to you.

When you send The James Ruff Group an email, we may retain your message and our response for quality assurance purposes. It is important to remember that regular (non-encrypted) email is not secure.

Online Forms
We collect information from you when you fill out an online form. All online forms are subject to the same policy we have on email.

Planning Tools and Calculators
Information that you input on the web site while using any of our planning tools and calculators is not captured, stored or used in any way other than to provide you with the information you’re looking for at the time you use the tool or calculator. These calculators were built only for the purpose of helping you understand your financial options, enabling you to explore various scenarios and “what if” calculations for items like loan payments, retirement and education planning.

“Cookies”
We may use cookies and other online tracking devices. Cookies are small text files that a website’s server places on your computer. The cookies provide a means for websites that you visit to track browsing activities conducted with your computer. This includes information such as pages and content viewed, the time and duration of visits, search queries entered into search engines, and whether a computer user clicked on an advertisement. Cookies make the personalization of your web experiences possible and can also be used to retain data related to a particular browser such as items in online shopping carts.

There are other devices for tracking online activity including web beacons. A web beacon is a small string of software code that represents a graphic image on a website or in email. Web beacons can be used for many purposes – including website traffic reporting, unique visitor counts, advertising/auditing/reporting, and personalization of a website.

Working with Other Companies
From time to time, our partners may establish a relationship with other partners on the Internet to provide you with additional value and new products we may not offer ourselves. In these circumstances, we will treat information you provide us in the same manner described in our Privacy Policy. Our partner website may offer access to other sites either through the use of hyperlinks. In some cases, the other site will also collect information from you. Please review the privacy policies of these third parties prior to providing any information to them when you link to their web site.

 

  1. Collection and Use of Your Personal Information

We collect Personal Information from you only when you voluntarily submit it in order to obtain certain information, including without limitation (A) requests to find out more about our programs; (B) requests to contact us; and (C) requests to forward your information to one of our affiliates.

We honor all “do not track” requests and settings. If you use any signal(s) or other mechanism(s) that provides you the ability to exercise choice regarding the collection of personally identifiable information about your online activities over time and across third-party websites or online services, we will not attempt to override such signals or mechanisms, nor will we track your use of any such signal or mechanism. When you use our website, no other parties can collect personally identifiable information about your online activities over time and across different websites. Your choice is indicated by your settings in your web browser. A “do not track” indication sent from your web browser will result in any tracking activity (i.e., tracking cookies) within the website to be programmatically disabled.

We collect the following personal information from you:

  • Contact Information such as name, email address, mailing address, and phone number

We use this information to:

  • Send you requested product or service information
  • Respond to customer service requests
  • Administer your account
  • Send you a newsletter
  • Send you marketing communications
  • Improve our Web site and marketing efforts
  • Conduct research and analysis
  • Display content based upon your interests

By clicking the Submit button, you agree to have your information shared with us and for us to contact you via telephone, mobile phone (including through automated dialing, text SMS/MMS, or pre-recorded messaging) and/or email, even if your telephone number is on a corporate, state, or the National Do Not Call Registry, and you agree to our Privacy Policy.

Special Notice to California Residents. If you are a resident of California, in addition to the rights set forth in this Privacy Policy:

  1. We will not share any personal information about you to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law; and
  2. You have the right to request information from us regarding the manner in which we share certain categories of information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information
  • 1.1. the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year
  • 1.2. the names and addresses of the third parties that received that information; and
  • 1.3. if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed.

The rights of Users

We adopt this Notice to comply with the California Consumer Privacy Act of 2018 (CCPA). Any terms defined in the CCPA have the same meaning when used in this Notice.

Users may exercise certain rights regarding their Data processed by the Owner.

In particular, Users have the right to do the following:

  • Withdraw their consent at any time. Users have the right to withdraw consent where they have previously given their consent to the processing of their Personal Data.
  • Object to processing of their Data. Users have the right to object to the processing of their Data if the processing is carried out on a legal basis other than consent. Further details are provided in the dedicated section below.
  • Access their Data. Users have the right to learn if Data is being processed by the Owner, obtain disclosure regarding certain aspects of the processing and obtain a copy of the Data undergoing processing.
  • Verify and seek rectification. Users have the right to verify the accuracy of their Data and ask for it to be updated or corrected.
  • Restrict the processing of their Data. Restrict the processing of their Data. Users have the right, under certain circumstances, to restrict the processing of their Data. In this case, the Owner will not process their Data for any purpose other than storing it.
  • Have their Personal Data deleted or otherwise removed. Users have the right, under certain circumstances, to obtain the erasure of their Data from the Owner.
  • Receive their Data and have it transferred to another controller. Users have the right to receive their Data in a structured, commonly used and machine readable format and, if technically feasible, to have it transmitted to another controller without any hindrance. This provision is applicable provided that the Data is processed by automated means and that the processing is based on the User’s consent, on a contract which the User is part of or on pre-contractual obligations thereof.
  • Lodge a complaint. Users have the right to bring a claim before their competent data protection authority.

Details about the right to object to processing

Where Personal Data is processed for a public interest, in the exercise of an official authority vested in the Owner or for the purposes of the legitimate interests pursued by the Owner, Users may object to such processing by providing a ground related to their particular situation to justify the objection.

Users must know that, however, should their Personal Data be processed for direct marketing purposes, they can object to that processing at any time without providing any justification. To learn, whether the Owner is processing Personal Data for direct marketing purposes, Users may refer to the relevant sections of this document.

How to exercise these rights

Any requests to exercise User rights can be directed to the Owner through the contact details provided in this document. These requests can be exercised free of charge and will be addressed by the Owner as early as possible and always within one month.

We may provide this information in a standardized format that is not specific to you. The designated email address for these requests is support@ylopo.com

Consent to Receiving Emails, Auto-Dialing & Auto-Texting:

By registering, you are giving us and our professional real estate clients and advertisers permission to contact you via text message, email, or telephone using the email address and/or telephone number that you have provided during the registration process. Such contact may, from time to time, include attempts to contact you via auto-dialing or auto-texting technology. You may opt out of receiving these forms of communication by unsubscribing from any email communication or texting STOP as a reply to one of our text communications. There is no fee charged by us or its advertisers to receive text messages, however, your mobile service provider may charge you for sending and/or receiving text messages and air-time, as well as any other standard applicable rates charged by your mobile service provider.

Information Sharing

We will share your personal information with third parties, including with one of the participating lenders associated with this site, only in the ways that are described in this Privacy Statement. We may provide your personal information to companies that provide services to help us with our business activities such as offering customer service. These companies are authorized to use your personal information as is necessary to provide these services to you.

We may also disclose your personal information:

  • As required by law such as to comply with a subpoena, or similar legal process.
  • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud or respond to a government request,
  • To any other third party with your prior consent to do so.
  • We may share your personal information with other companies so that they can market their products or services to you. If you do not want us to share your personal information with these companies, contact our website vendor and advertising provider at support@ylopo.com

Cookies and Other Tracking Technologies

We may use cookies, for example, to keep track of your preferences and profile information. Cookies are also used to collect general usage and volume statistical information that does not include personal information.

We may use another company to place cookies on your computer to collect non-personally identifiable information to compile aggregated statistics for us about visitors to our site.

Links to Other Web Sites

Our Site includes links to other Websites whose privacy practices may differ from ours. If you submit personal information to any of those sites, your information is governed by their privacy policy statements. We encourage you to carefully read the privacy statement of any Web site you visit.

Security

The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the internet, or method of electronic storage is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about the security of our Web site, you can contact our website and advertising provider support@ylopo.com

Additional Policy Information

Our Web site includes Widgets, which are interactive mini-programs that run on our site to provide specific services from another company (e.g. displaying the news, opinions, music, etc.). Personal information, such as your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it.

Our Web site offers publicly accessible blogs, social media, or community forums such as Facebook, Twitter, or Google Plus. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.

Visiting our Websites From Outside the United States.

This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy.

No Rights of Third Parties.

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of our websites.

Notification of Privacy Policy Statement Changes

We may update this privacy statement to reflect changes to our information practices or changes in regulations governing privacy. If we make any material changes we will notify you by email (sent to the email address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

This Privacy Policy was last revised on October 1, 2022. We reserve the right to modify or amend this policy at any time by posting the revised Privacy Policy on the website.

At The James Ruff Group, we respect your privacy.

If you have questions regarding our Privacy Policy, please email us at info@thejamesruffgroup.com. We hope you enjoy our site!