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What are the best locations for a Coral Gables home?

Gables Estates homes for sale The James Ruff Group LLC

An introduction to Coral Gables, one of Miami’s most exclusive locations to own real estate

Southern Florida is a tropical paradise, and Coral Gables is one of the most highly sought after locations for those seeking a luxurious and upscale lifestyle in one of the most picturesque parts of the USA. Just North of one of our other favorite areas, Pinecrest, FL, Coral Gables is known for its stunning architecture, beautiful tree-lined streets, and a wide range of shopping, dining, and entertainment options, it is no surprise that many people desire to call Coral Gables their home. Once home to Arthur Vining Davis, with its rich cultural heritage, great shopping and dining options, excellent schools, and endless recreational opportunities, an address along cutler road in Coral Gables is the perfect place to call home.

For those seeking the lifestyle of decadence and privacy you deserve, the Gables is one of the rare developed beauties of the world where every street is naturally beautiful. Come back from deep water diving with friends on your private boat, hire a car to drive you to Merrick Park and in minutes you’ll be sitting down for some of the best food Miami has to offer. With ease you can dance to live cuban music in Little Havana, and then enjoy a relaxing ride home along the tropical tree lined streets in your paradise city.

Location is very important when it comes to buying a house. You want to make sure that the home you buy not only meets your needs and fits your budget, but is also in a place that you will enjoy living in. The location of your home will affect everything, from how far you have to drive to work every day to how good your life is. Do you need to travel within your own state or outside of it? Some of the most exclusive neighborhoods are in Coral Gables, which is close to Miami International Airport and easy to get to.

What to expect when reading this article?

The purpose of this article is to provide valuable information on the best locations for a home in Coral Gables when you’re seeking the highest level amenities, culture, and entertainment in a suburban tropical paradise. Whether you are looking for a waterfront property, a spacious mansion, or a cozy condo, we have the expertise and knowledge to help you find the perfect location for your needs.

Why trust this resource?

At The James Ruff Group LLC, we understand the appeal of Coral Gables, FL and have been helping clients find their dream homes in the area for many years. As a licensed real estate broker with 30 years of experience as a real estate investor and 20 years as a real estate expert, our team has a deep understanding of the real estate market in Coral Gables and can help clients find the best locations for their new homes.

The James Ruff Group LLC, licensed real estate broker

Overview of top neighborhoods in Coral Gables, FL:

Coral Gables, FL is a highly sought-after city in South Miami, FL known for its lush tropical landscapes, unique Mediterranean architecture, rich cultural heritage, sea walled canals featuring breathtaking waterfront homes, and easy access to Miami’s financial district, Miami Beach or the beaches found on Key Biscayne, while also being a short drive to Miami International Airport. This charming city offers a variety of desirable communities, each with its own unique character and charm. Some of the top areas in Coral Gables include:

  • Coco Plum
  • Gables Estates
  • French Village
  • Kings Bay
  • Deering Bay
  • Ponce Davis
  • Riviera
  • Snapper Creek
  • Sunset Islands
  • Old Cutler Bay
  • Gables by the Sea

Want to see the most recent homes for sale in Coral Gables?

Description of each community and what makes them desirable:

Coco Plum:

Coco Plum is a quiet and exclusive gated community located in the southern part of Coral Gables, FL along the water’s edge. This area boasts of stunning waterfront properties with private docks and boat slips. With easy access to the water, residents of Coco Plum can enjoy boating, fishing, and other water-based activities. Gorgeous oceanfront homes on coral gables shoreline are rare, and Coco Plum is one of the few communities where you can have both luxury and waterfront views.

Additionally, Coco Plum is known for its beautiful and well-maintained streetscapes, lush tropical vegetation, and close proximity to excellent shopping and dining options in Miami. With its prime location, peaceful atmosphere, and stunning ocean views, Coco Plum is considered by many to be one of the most desirable neighborhoods in Coral Gables. Whether you are looking for a luxurious permanent residence or a vacation home, Coco Plum has something to offer for everyone looking for a high-end lifestyle in South Florida.

Check out these beautiful homes for sale in Coral Gables Coco Plum, Miami, FL.

Gables Estates Club:

“City Beautiful”, Gables Estates Club is an exclusive gated community in the heart of Coral Gables, FL. This private club boasts of elegant Mediterranean-style homes with lush gardens and private pools. With its central location, residents owners of Gables Estates homes have easy access to the city’s finest dining and shopping options. If you are looking for waterfront property on coral gables shoreline then Gables Estates is one of the few communities that offer you this opportunity.

Many exclusive facilities and services are available to all resident members of the Gables Estates homes and the Gables Estates Club, Incorporated. It’s important to know that when you buy your home at Gables Estates and join gables estates club that the tennis courts are available to the Leucadendra club members only.

Check out these beautiful homes for sale in Coral Gables Gables Estates, Miami, FL.

French Village:

The French Village gated community is characterized by its charming European-style homes, which reflect the city’s history and elegance. The homes here are unique, with a mix of French, Spanish, and Mediterranean-style architecture that create a warm and welcoming atmosphere.

This area is perfect for those who appreciate the historical significance of their surroundings, as well as those who enjoy living in unique homes with character. If you’re looking for a home that is full of personality, French Village is the place for you.

Check out these beautiful homes for sale in Coral Gables French Village, Miami, FL.

Kings Bay:

Kings Bay is a waterfront gated community that offers stunning views of Biscayne Bay. This neighborhood is perfect for those who appreciate the beauty of water and are looking for a home with an oceanfront or canal view. Kings Bay is ideal for boaters and those who enjoy water activities such as fishing, kayaking, and paddle-boarding. If you’re looking for a community that is close to the water and provides ample opportunities for water-based activities, Kings Bay is the perfect choice.

What makes Kings Bay unique is the availability of private docks for residents. These private docks provide direct access to the water and offer a convenient way for residents to enjoy their boats and water-based activities. Additionally, the community is also well-equipped with a playground and a community pool, making it perfect for families. With its stunning views, private docks, and family-friendly amenities, Kings Bay is a rare and special community that offers a unique living experience in Coral Gables.

Check out these beautiful homes for sale in Coral Gables Kings Bay, Miami, FL.

Deering Bay: 

Deering Bay is a gated community located in the southern part of Coral Gables. This community is renowned for its beautiful golf course and tennis facilities, making it an ideal location for sports enthusiasts. Deering Bay is also home to several waterfront properties with breathtaking views of Biscayne Bay.

What sets Deering Bay apart from other communities is its deep commitment to preserving the natural beauty of the area. The community has a strict building code that ensures the development of high-end homes while still preserving the area’s lush vegetation and wildlife. Deering Bay also has its own full-service marina, offering residents access to some of the best boating and fishing opportunities in the area. With its gorgeous oceanfront properties, exceptional recreational amenities, and strong environmental focus, Deering Bay truly stands out from other communities in Coral Gables.

Check out these beautiful homes for sale in Coral Gables Deering Bay, Miami, FL.

Ponce Davis:

Ponce Davis is a family-friendly community located in the western part of Coral Gables, FL. This neighborhood is known for its spacious homes and mature trees, creating a peaceful and serene atmosphere. Ponce Davis is also located near top-rated schools, making it an ideal location for families with children.

In addition to its family-friendly environment, Ponce Davis also has a hidden secret – the Ponce Davis Park. This park is a well-kept secret among residents and offers a tranquil escape from the hustle and bustle of the city. The park features walking trails, picnic areas, and a playground, making it a perfect place for families to spend a relaxing afternoon. Ponce Davis is an area that offers the perfect balance of city conveniences and peaceful suburban living.

Check out these beautiful homes for sale in Coral Gables Ponce Davis, Miami, FL.

Riviera:

Riviera is a well-established gated golf community located in the northern part of Coral Gables, FL. This neighborhood offers a mix of elegant single-family homes and townhouses, providing a variety of housing options for residents. Riviera is also located near Coral Gables’ downtown area, offering easy access to shops, dining, and entertainment.

What sets Riviera apart from other communities is its distinct architecture and lush landscaping. The gated community features Mediterranean-style homes with tile roofs and arched windows, creating a unique and attractive streets-scape. The mature trees and well-manicured lawns add to the neighborhood’s aesthetic appeal, making it a desirable location for those who appreciate beauty and charm. Additionally, Riviera is known for its strong community ties and active home owner’s association, making it a tight-knit and friendly area for residents.

Check out these beautiful homes for sale in Coral Gables Riviera, Miami, FL.

Snapper Creek:

Snapper Creek is a small, upscale gated community located in the southern part of Coral Gables. This neighborhood is known for its serene atmosphere and spacious homes with beautiful waterfront views. Snapper Creek residents have easy access to the city’s finest shops and dining options, as well as the beautiful beaches of South Miami.

Snapper Creek is also known for its convenient location. The community is situated close to some of Coral Gables’ top shopping and dining destinations, as well as the beautiful beaches of South Miami. Residents of Snapper Creek are never too far away from the action, but are still able to enjoy the privacy and serenity of their own community.

Check out these beautiful homes for sale in Coral Gables Snapper Creek, Miami, FL.

Sunset Islands:

Crossing the Sunset Island Bridges, Sunset is a well-established gated community found in the western part of Coral Gables. As you might expect, this neighborhood offers a mix of elegant single-family homes and townhouses, providing a variety of housing options for residents. Sunset is also located near top-rated schools, making it an ideal location for families with children.

Additionally, Sunset is known for its serene and peaceful atmosphere, surrounded by lush green spaces and mature trees. The area has a strong sense of community and is close-knit, with an active community association and various community events and activities. Residents of Sunset enjoy being in close proximity to the city’s finest shopping and dining options, as well as the beautiful beaches of Miami. With its prime location and unique combination of quiet neighborhood living and urban conveniences, Sunset stands out as a unique and desirable neighborhood in Coral Gables.

Check out these beautiful homes for sale in Coral Gables Sunset, Miami, FL.

Old Cutler Bay:

Old Cutler Bay: Old Cutler Bay is a gated community found in the southern part of Coral Gables. The area offers residents a luxurious lifestyle with its exclusive homes, private marina, and stunning views of Biscayne Bay. Old Cutler Bay is known for its upscale atmosphere, high-end amenities, and prime location, making it a desirable community for those seeking a luxury lifestyle in Coral Gables.

Residents have access to a private beach club, tennis courts, and a 24-hour guarded entrance, adding to the community’s exclusive appeal. Homes in Old Cutler Bay tend to be on the higher end of the market, reflecting the neighborhood’s luxury status and prime location. If you’re searching for a luxurious home in Coral Gables, Old Cutler Bay should be at the top of your list.

Check out these beautiful homes for sale in Coral Gables Old Cutler Bay, Miami, FL.

Gables by the Sea

Gables by the Sea is a small, exclusive gated community located in Coral Gables. This neighborhood is known for its beautiful homes and tranquil, tropical atmosphere. The community features a variety of single-family homes, many of which are built on spacious lots surrounded by lush, tropical landscapes.

Gables by the Sea is situated on the coast, offering owners stunning views of the ocean and easy access to the beach. The community is also close to many popular amenities, including top-rated schools, shopping centers, and restaurants.

Home values in Gables by the Sea tend to be on the higher end of the market, reflecting the community’s prime location, upscale atmosphere, and desirable lifestyle. Whether you’re looking for a family home or a luxurious retreat, Gables by the Sea is an excellent choice for those seeking a high-end living experience in Coral Gables.

Check out these beautiful homes for sale in Coral Gables Gables by the Sea, Miami, FL.

Comparison of Coral Gables neighborhoods based on factors such as proximity to amenities, home values, and lifestyle

Cocoplum vs. The Gables Estates

Similar home values, but Cocoplum offers more convenient location

Both Cocoplum and The Gables Estates are high-end communities in Coral Gables, with similar home values. However, when considering purchasing a home for sale in Coral Gables, you may want to consider that Cocoplum offers a more convenient location, as it is closer to major roads and amenities, making it a more accessible option for those who want to be close to the action.

The Gables Estates CLub offers more seclusion and privacy

On the other hand, The Gables Estates Club is a more secluded neighborhood, offering a higher degree of privacy and security for its owners. This area is ideal for those who are looking for a more peaceful, quiet environment.

French Village vs. Kings Bay

French Village offers unique homes with historical significance, while Kings Bay offers waterfront Property

French Village and Kings Bay offer two distinct lifestyles for residents. French Village is ideal for those who appreciate the unique homes and historical significance of the neighborhood, while Kings Bay is ideal for those who appreciate a waterfront lifestyle and the scenic views of the water.

Both offer high-end living, but different lifestyles and priorities will determine which is best for you.

Both French Village and Kings Bay offer high-end living, but the choice between the two will depend on your lifestyle and priorities. Whether you’re looking for a unique and historic neighborhood or waterfront living, both of these communities offer the amenities and quality of life that you’re looking for.

These are some of the top communities in Coral Gables, each offering its own unique benefits and attractions. No matter what type of lifestyle you are looking for, you are sure to find the perfect neighborhood for you in Coral Gables.

Overview of Tips for Buying a Home in Coral Gables

The real estate market in Coral Gables is competitive and characterized by low inventory, making it important for homebuyers to have a strategy in place when searching for their dream home. This overview will provide tips and important considerations to help buyers navigate the market and find the right home for their needs and budget. Whether working with a real estate agent or searching on your own, these tips will help ensure a smooth and successful home buying experience in Coral Gables.

Importance of Working with an Off-Market Real Estate Specialist:

Coral Gables is a highly competitive real estate market, and working with a real estate agent who specializes in off-market listings can provide a significant advantage for home buyers. These agents have access to a wider pool of properties, including those that are not yet listed on the market, providing more options and a better chance of finding the ideal home.

Budget and Location:

When purchasing a home in Coral Gables, it is crucial to consider both your budget and preferred location. Make sure you have a clear understanding of your financial limits and then focus your search on communities that fit within your budget and align with your desired lifestyle.

Home Features:

As you search for a house in Coral Gables, it’s important to consider the features that are most important to you, such as square footage, number of bedrooms and bathrooms, and outdoor space. Determine what’s non-negotiable for you and make sure these factors are taken into account when evaluating homes.

Working with a Real Estate Agent:

Not all realtors are the same. Having the support of a knowledgeable and experienced real estate agent can make the home buying process much smoother. An agent can provide valuable assistance with negotiations, provide market insights, and navigate the many details involved in purchasing a home. When selecting an agent, it’s important to choose someone you trust and who has a proven track record of success in the Coral Gables real estate market.

What to know before moving to or buying a home in Coral Gables

What is the best area in Coral Gables?

The best area in Coral Gables is subjective and depends on personal preference. Some popular areas include Ponce-Davis, The Roads, and Cocoplum.

Is Coral Gables a good place to live?

Coral Gables is considered a good place to live with its high quality of life, excellent schools, and proximity to Miami’s business district.

Which is nicer: Coral Gables or Coconut Grove?

Both Coral Gables and Coconut Grove are popular and attractive areas in Miami, but the choice between the two depends on personal preference and lifestyle.

Is Coral Gables a rich neighborhood?

Coral Gables is considered a wealthy area with a high cost of living and a high median household income.

What celebs live in Coral Gables, FL?

Some celebrities who have lived in Coral Gables include Gloria Estefan, Sean Combs, and Shaquille O’Neal.

What is the nicest suburb of Miami, FL?

The nicest suburb of Miami is subjective and depends on personal preference. Some popular suburbs include Coral Gables, Pinecrest, and Key Biscayne.

What is the property tax rate in Coral Gables, FL?

The average property tax rate in Coral Gables, FL is around 2.75%. Taxes change yearly, and depend on the parcel and property and must be verified.

What style of homes are in Coral Gables, FL?

The styles of homes in Coral Gables vary, but include Mediterranean, Art Deco, and Mission Revival.

Does Coral Gables have HOA?

Yes, many neighborhoods in Coral Gables, FL have a Homeowners Association (HOA).

What are the nicest areas of Cape Coral?

Some of the nicest areas of Cape Coral include the Yacht Club area, Gulf Access Canal area, and the Rose Garden area.

Are there alligators in Coral Gables, FL?

There are no alligators in the urban areas of Coral Gables, as the area is an urban community in Miami. However, crocodiles and alligators may be present in some waterways.

Is Coral Gables, FL upscale?

Coral Gables, FL is considered an upscale area with a high cost of living and a high median household income.

Where do most millionaires live in Florida?

Millionaires in Florida are concentrated South Florida in cities like Miami in specific neighborhoods like Coral Gables, Pinecrest, Coconut Grove, The Venetian Islands, The South of Fifth, The Roads, Allison Island, Fisher Island, Key Biscayne, Brickel, and certain choice neighborhoods in Miami Beach like Bal Harbour or near La Gorce golf club.

In addition to Fisher Island, the highly exclusive and extremely wealthy community of Tahiti Beach is nestled on an island within the prestigious locale of Cocoplum. Tahiti Beach offers residents unrivaled security and privacy as both the entrance to Cocoplum is gated and secured with an additional guarded gate entrance into Tahiti Beach. Other wealthy areas in South Florida are areas like Naples, Boca Raton, and Palm Beach.

Where do most celebrities live in Miami?

Many celebrities live in Miami, including in areas such as Miami Beach, Coral Gables, and Pinecrest.

What’s the wealthiest part of Miami?

The wealthiest part of Miami is subjective and depends on personal preference, but some popular areas include, The South of Fifth (SOFI), Fisher Island, Key Biscayne, Tahiti Beach, Coral Gables, and Pinecrest.

What is special about Coral Gables, FL?

Coral Gables is known for its Mediterranean-style architecture, lush landscaping, and upscale shopping and dining.

Is Coral Gables, FL a good area in Miami?

Coral Gables, FL is considered a good area in Miami due to its high quality of life, excellent schools, and proximity to Miami’s business district.

Is Coral Gables a gated community?

Not all neighborhoods in Coral Gables are gated communities, but most of the better neighborhoods are in gated communities.

What is considered upper class in Miami?

The upper class in Miami is defined as those with high household incomes and high net worth where their home prices can be found anywhere between $1,000,000 -$40,000,000. Areas such as The South of Fifth, Fisher Island, The Venetian Islands, Star Island, Palm Island, Hibiscus Island, Key Biscayne, Brickell, Allison Island, and Coral Gables are often considered to be home to some of South Miami’s upper class.

What is the safest part of Miami to live in?

The safest part of Miami is subjective and depends on personal preference, but some popular and safe areas in South Miami include Coconut Grove, Brickell, Kendall, Pinecrest, and Coral Gables.

Types of Homes in Coral Gables, FL

Overview of different types of homes available in Coral Gables, FL

  • Single-family homes: Detached homes with private yards, ideal for families and those seeking more space.
  • Condos: Multi Level homes with shared amenities, ideal for those seeking low effort homes and a prime location.
  • Townhouses: Connected homes with private yards, offering a balance of space and low maintenance requirements.

Description of each type of home and what makes them unique

  • Single-family homes offer privacy, space, and the chance to make them your own. They offer a traditional way of life for a family with plenty of room to play and relax.
  • Condos: Condos offer a relaxed way of life with easy access to shared amenities like pools and gyms. They are also in great areas of Coral Gables, FL, which is a big plus.
  • Townhouses: Townhouses are a good compromise between single-family homes and condos because they have their own outdoor space and share some amenities. They are perfect for people who want space but don’t want a lot of work to do around the house.

Comparison of types of homes based on factors such as size, style, and price

  • Single-family homes vs. condos: Single-family homes are usually bigger and more private than condos, but they also take more work to keep up. Condos are easy to take care of, but they have less space.
  • Single-family homes vs. townhouses: Single-family homes have the most space, while townhouses are a good compromise between space and low maintenance.
  • Condos are easier to take care of and are often in better locations than townhouses. Townhouses offer a good mix of space and easy living.
  • No matter what kind of house you want, Coral Gables, FL has something for everyone. The James Ruff Group LLC can help you find the right home for your needs and way of life.

Real Estate Market in Coral Gables, FL

A. Overview of the Current Market

Coral Gables, FL has a thriving real estate market with a wide range of properties to fit different needs and budgets. The city’s high-end services, great location, and high quality of life make it a very popular place to live.

B. Factors affecting the Market

The prices of homes in Coral Gables, FL are usually on the higher end of the market, which is a sign of the area’s prestige and high-class lifestyle. People want to live in one of South Miami’s best neighborhoods, so there is a lot of demand for homes in the area. The supply of homes is pretty stable, with a good mix of new builds and older homes that have been well taken care of.

C. Comparison to other Miami Neighborhoods

Compared to other South Miami neighborhoods, the real estate market in Coral Gables, FL is strong. There is a lot of demand, home prices are stable, and there are a lot of different properties to choose from. It is thought to be one of the best places to live in South Miami if you want an upscale, high-quality experience.

Conclusion

In the end, buying a home in Coral Gables, FL gives you a unique mix of luxury, community, and a great place to live. You can find the perfect home for your needs and way of life in neighborhoods like South Gables, Pinecrest, and The Venetian Islands, Brickell, Miami Beach, Allison Island, and Fisher Island.

In such a competitive market, it’s important to think about your budget, where you want to live, and the features you want in a home. It’s also important to work with a real estate agent who is knowledgeable and experienced and can help you through the process. Working with an off-market real estate specialist like “The James Ruff Group LLC” can give you a valuable edge by giving you access to a larger pool of properties and a better chance of finding your dream home.

James Ruff is the owner of “The James Ruff Group LLC.” He is a licensed real estate broker who has worked in the field for more than 30 years. He is an expert on the Coral Gables real estate market and can give good advice and direction. “The James Ruff Group LLC” is dedicated to helping you find the right home in Coral Gables, FL. They have a track record of success. Contact us today to find out more about how we can help you find your dream home in this beautiful and desirable area.

James Ruff owner of The James Ruff Group Miami Realtors

James R. Ruff

Principal Broker

About the Author

James R. Ruff – With 30+ years in real estate construction, investing, and brokerage, having studied at Harvard Business School, James Ruff leads The James Ruff Group Real Estate Brokerage Firm as Principal Broker and Owner. 

Operating from offices at Madison Park in Manhattan, New York, The South of Fifth in Miami, Florida, and Cambridge, Massachusetts, his team of expert advisors specializes in luxury residential and commercial properties throughout the USA.

James Ruff’s team is dedicated to helping you build wealth, security, and happiness through quality real estate guidance, one transaction at a time, for a lifetime.

Click to read more about James Ruff

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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!