BI Group USA
Effective Date
2025-09-18
Introduction
BI Group USA (“Company”, “we”, “our”, “us”) values your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our websites, services, and real estate offerings. By using our services, you agree to this Privacy Policy. If you do not agree, you must not use our services.
1. Categories of Information We Collect
We collect information directly from you, automatically through your use of our services, and from third-party sources. The categories include:
i. Identification and Contact Data
a. Name, email address, phone number, postal address.
b. Government-issued identification documents (where required by law, e.g., for property purchases or KYC checks).
ii. Property and Transaction Data
a. Inquiries about properties, bookings for viewings, offers, contracts, mortgage applications, and purchase or lease history.
b. Communication records with our sales or customer service teams.
iii. Financial Data
a. Payment details, bank or mortgage prequalification data, income or employment information (only if provided by you for financing).
b. We process this data securely and share it only with authorized financial institutions at your request.
iv. Technical and Device Data
a. IP address, device identifiers, browser type, operating system, network provider, and system settings.
b. Geolocation information (if you enable location services).
c. Log data such as access times, pages viewed, and site navigation patterns.
v. Usage and Interaction Data
a. Information on how you interact with our websites, digital ads, newsletters, and marketing campaigns.
b. Engagement with property renderings, videos, or interactive tools (e.g., mortgage calculators).
vi. Marketing and Preference Data
a. Records of your subscriptions, opt-ins and opt-outs, communication preferences.
b. Advertising identifiers and analytics profiles used for personalized marketing.
vii. Cookies and Tracking Technologies
a. Information collected through cookies, pixels, analytics services, advertising platforms, and other tracking tools.
b. These technologies allow us to measure site performance, personalize content, and deliver targeted advertising.
viii. Third-Party and Publicly Available Data
a. Data we may receive from partners, affiliates, or public sources, such as property listing platforms, mortgage providers, or demographic databases, to supplement our records.
Children’s Data
We do not knowingly collect information from children under 13, in compliance with the Children’s Online Privacy Protection Act (COPPA).
2. Purposes of Processing
We process your personal information for the following purposes, in compliance with applicable laws and regulations:
I. Service Delivery and Contractual Obligations
a. To provide and manage property-related services, including responding to inquiries, scheduling property viewings, preparing offers, and executing contracts.
b. To facilitate financing or mortgage support when explicitly requested by you.
II. Customer Relationship Management (CRM)
a. To maintain records of communications with customers, track property preferences, and provide personalized recommendations.
b. To improve customer support and after-sales services.
III. Marketing, Advertising, and Communications
a. To send marketing communications via email, SMS, phone calls, or other permitted channels, subject to your consent where required by law.
b. To deliver targeted advertising and promotions based on your interests and browsing behavior.
c. To measure and improve the effectiveness of our campaigns.
IV. Analytics, Research, and Product Development
a. To analyze website usage, customer behavior, and engagement with marketing materials.
b. To conduct market research and identify trends in the real estate sector.
c. To develop new services, digital tools, and business offerings.
V. Security, Fraud Prevention, and Compliance
a. To protect BI Group USA, our users, and partners from fraud, misuse, unauthorized access, and cyber threats.
b. To comply with U.S. federal and state legal obligations, including tax reporting, anti-money laundering (AML) requirements, know-your-customer (KYC) checks, and real estate disclosure rules.
c. To enforce our Terms of Use, contracts, and legal rights in case of disputes.
VI. Corporate and Legal Purposes
a. To support audits, regulatory reporting, and corporate governance.
b. To facilitate mergers, acquisitions, or corporate restructuring.
c. To protect our legitimate business interests and defend against legal claims.
VII. Research and Public Interest (where permitted by law)
a. To use anonymized or aggregated data for statistical research, urban development studies, and innovation in the real estate sector.
3. Legal Grounds for Processing
Our processing of personal data depends on your location and the applicable laws.
U.S. Compliance
– We process data in accordance with U.S. federal and state laws, including real estate regulations, consumer protection statutes, and anti-money laundering (AML) obligations.
– We may process information to fulfill contractual obligations, comply with subpoenas or regulatory requirements, or protect our legitimate business interests (e.g., fraud prevention, customer service, marketing).
GDPR and International Compliance
Where the EU General Data Protection Regulation (GDPR), UK Data Protection Act, or similar laws apply, we rely on the following legal bases:
a. Consent (Art. 6(1)(a) GDPR)
o When you opt in to receive marketing communications.
o When you allow cookies, pixels, or geolocation tracking.
o When you request financing services and authorize us to share data with financial institutions.
b. Performance of a Contract (Art. 6(1)(b) GDPR)
o When we process your inquiries, property bookings, or real estate transactions.
o When we provide financing or mortgage assistance upon your request.
c. Compliance with Legal Obligations (Art. 6(1)(c) GDPR)
o When required by tax laws, anti-money laundering (AML) regulations, know-your-customer (KYC) checks, or real estate disclosure requirements.
o When responding to lawful requests from regulators or courts.
d. Legitimate Interests (Art. 6(1)(f) GDPR)
o To secure our websites and services against fraud and abuse.
o To improve our business processes, conduct analytics, and enhance customer experience.
o To send marketing communications to existing customers (subject to opt-out rights).
o To protect BI Group USA’s legal rights and interests in case of disputes or claims.
Multiple Grounds
In some cases, we may rely on more than one legal basis for processing. For example, when we store your contract:
– we rely on performance of a contract (to provide the service), and
– on compliance with legal obligations (to retain financial records for tax purposes).
4. Disclosure of Information
We may disclose your personal information under strict conditions and only where permitted by law. The categories of recipients include:
a. Service Providers and Contractors
o IT, cloud hosting, analytics, marketing platforms, CRM solutions, and customer support providers.
o These parties are contractually bound to process data only on our behalf and in accordance with strict confidentiality and security requirements.
b. Financial Institutions and Business Partners
o Banks, mortgage providers, and financing partners, but only with your explicit consent when you request financing or mortgage support.
o Title companies, escrow agents, and insurance providers involved in property transactions.
c. Affiliates and Subsidiaries
o Other entities within the BI Group corporate family, for operational, administrative, and compliance purposes.
d. Professional Advisors
o Legal, tax, accounting, or audit advisors, when necessary for business operations, dispute resolution, or regulatory compliance.
e. Regulators, Law Enforcement, and Legal Proceedings
o Government authorities, courts, or regulators when required to comply with applicable laws, subpoenas, investigations, anti-money laundering (AML) and know-your-customer (KYC) regulations, or to protect BI Group USA’s rights.
f. Corporate Transactions
o Third parties in connection with mergers, acquisitions, restructuring, financing, or sale of all or part of our business. In such cases, your personal data will remain subject to this Privacy Policy unless otherwise agreed.
g. With Your Consent
o In cases where you have explicitly authorized us to share information with third parties for specific purposes (e.g., participation in promotional campaigns or third-party marketing).
No Sale of Personal Data
We do not sell personal information as defined under the California Consumer Privacy Act (CCPA/CPRA). If applicable, you may still exercise your right to opt out of any potential “sharing” of data for targeted advertising purposes via our “Do Not Sell or Share My Personal Information” link.
5. Cookies and Tracking Technologies
BI Group USA uses cookies, pixels, and similar technologies on its websites to improve user experience, support property transactions, and deliver relevant communications. These technologies are used for the following purposes:
a. Essential Cookies
o Enable core site functionality, such as secure access to inquiry forms, saving property searches, and processing requests for viewings or financing.
o Without these cookies, some parts of our website may not function properly.
b. Performance and Analytics
o Help us understand how visitors use our website (e.g., which property pages are most viewed, how long users spend on listings).
o Allow us to measure interest in specific developments and improve site navigation.
o Tools may include Google Analytics or similar real estate–focused analytics services.
c. Functional Cookies
o Remember your preferences, such as language, location, saved properties, or budget filters.
o Provide a more personalized browsing experience for returning visitors.
d. Marketing and Advertising
o Used to show you relevant property offers and campaigns, both on our website and on partner platforms (such as Google Ads or Meta Ads).
o Include technologies like the Meta Pixel and Google Ads conversion tags.
o Allow us to measure effectiveness of marketing campaigns (e.g., which ads lead to property inquiries).
e. Third-Party Integrations
o Some cookies may be set by third-party partners that provide marketing, analytics, or financing tools integrated with our site.
o For example, mortgage calculators, map providers, or customer support chat systems.
Your Choices
– Where required by law (EU/UK), you will see a cookie banner with the ability to accept, reject, or customize preferences.
– You can also manage cookies through your browser settings or opt out of personalized advertising using:
o Google Ads Settings
o Meta Ad Preferences
o Network Advertising Initiative opt-out tools
Please note that disabling cookies may reduce functionality, such as saving favorite properties or remembering search filters.
6. Data Retention
We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, unless a longer retention period is required by law. Retention periods depend on the type of data and the context of processing:
a. Property Transactions and Contracts
o Data related to active property inquiries, bookings, offers, or transactions is retained for the duration of the transaction and thereafter as required for recordkeeping and warranty purposes.
b. Financial and AML/KYC Records
o Information collected for financing, mortgage applications, and know-your-customer (KYC) or anti-money laundering (AML) checks is retained for at least 5 years, or longer if required under applicable U.S. federal or state laws.
c. Tax and Regulatory Compliance
o Records necessary to comply with tax, accounting, and real estate regulations are retained for the legally mandated periods (typically 5–7 years).
d. Marketing and Communication Preferences
o Data about your subscriptions, opt-ins/opt-outs, and marketing engagement is retained until you withdraw consent or unsubscribe, after which it is deleted or anonymized within a reasonable timeframe.
e. Technical and Analytics Data
o Log files, cookies, and analytics data are generally retained for shorter periods (e.g., 6–24 months), unless required for security, fraud detection, or legal compliance.
f. Dispute Resolution and Legal Claims
o Information may be retained longer where necessary to investigate or defend against potential legal claims, enforce contracts, or protect BI Group USA’s rights.
g. Anonymized and Aggregated Data
o Where possible, we anonymize or aggregate data so that it can no longer be linked to an individual. Such data may be retained indefinitely for research, analytics, and business development.
7. Data Security
We take the security of your personal information seriously and implement a combination of organizational, technical, and administrative safeguards to protect it against unauthorized access, disclosure, alteration, or loss. Our security measures include:
– Encryption of data in transit (e.g., HTTPS/SSL) and, where appropriate, at rest.
– Access controls to ensure that only authorized personnel with a legitimate business need can access personal information.
– Physical and network security measures to protect data centers and IT systems.
– Regular monitoring and testing, including audits, vulnerability scans, and security updates.
– Employee training on data protection, confidentiality, and information security practices.
No Absolute Security
While we use industry-standard measures and continually update our practices, no method of transmission over the internet or electronic storage system is 100% secure.
Your Responsibilities
– You are responsible for maintaining the confidentiality of any account credentials, passwords, or access codes used to interact with our services.
– We encourage you to use strong, unique passwords and to notify us immediately of any suspected unauthorized access to your account or personal data.
8. International Data Transfers
BI Group USA operates primarily in the United States, but our services are accessible worldwide. If you access our services from outside the U.S., your personal data will be transferred to, stored, and processed in the United States and potentially in other jurisdictions where our service providers operate.
Legal Safeguards
– For residents of the European Economic Area (EEA), the United Kingdom, and other regions with data transfer restrictions, we implement safeguards in line with applicable laws.
– These may include the use of:
o Standard Contractual Clauses (SCCs) approved by the European Commission.
o UK International Data Transfer Addendum (IDTA).
o Other legally recognized transfer mechanisms.
Third-Party Providers
Some of our service providers (e.g., cloud hosting, analytics, CRM systems) may process personal data outside your home country. We require such providers to comply with contractual, technical, and organizational safeguards to protect your information.
User Acknowledgment
By using our services, you understand that your information may be transferred to countries that may not provide the same level of data protection as your jurisdiction. Where legally required, we will seek your explicit consent prior to such transfers.
Anonymized and Aggregated Data
We may transfer anonymized or aggregated data (which does not identify you personally) globally for analytics, research, and business development purposes.
9. Your Rights
Depending on your jurisdiction, you may have specific rights regarding your personal information. BI Group USA respects and facilitates these rights in accordance with applicable laws.
General Rights (Applicable to All Users)
You may have the right to:
– Access the personal data we hold about you (e.g., inquiries, contracts, financial applications).
– Correct or update inaccurate or outdated information.
– Delete certain personal data, subject to legal and contractual requirements (for example, property purchase records that must be retained under tax or real estate law cannot be deleted).
– Withdraw consent where processing is based on your consent (e.g., marketing communications).
– Opt out of marketing communications at any time by using unsubscribe links in emails, replying “STOP” to SMS, or contacting us directly.
– File a complaint with a competent data protection authority in your jurisdiction.
GDPR (EEA and UK Residents)
If you are located in the EEA or UK, you may additionally exercise rights under GDPR, including:
– Data portability – request a copy of your data (e.g., transaction history, inquiries) in a machine-readable format.
– Restriction of processing – request limited use of your data (e.g., while a dispute about accuracy is resolved).
– We respond to GDPR requests within 30 days, subject to lawful extensions.
CCPA/CPRA (California Residents)
If you are a California resident, you have the following rights under California law:
– Right to Know – request information about the categories and specific pieces of personal information collected about you.
– Right to Delete – request deletion of your personal data, subject to statutory exceptions (e.g., tax, AML/KYC).
– Right to Correct – request correction of inaccurate information.
– Right to Opt Out – of the sale or sharing of personal information. BI Group USA does not sell personal data, but you may exercise this right through our “Do Not Sell or Share My Personal Information” link.
– Right to Non-Discrimination – you will not be denied services, charged different prices, or penalized for exercising your rights.
– We will respond to verifiable consumer requests within 45 days, with possible extension of 45 additional days.
Brazil (LGPD)
Residents of Brazil may request access, correction, anonymization, portability, or revocation of consent in accordance with the LGPD.
Canada (PIPEDA)
Residents of Canada may request access to and correction of personal information and may challenge our compliance with PIPEDA principles.
10. Children’s Privacy
Our services and website are designed for adults interested in real estate and are not directed to children.
– In the United States, we comply with the Children’s Online Privacy Protection Act (COPPA) and do not knowingly collect personal information from children under the age of 13.
– In certain jurisdictions (such as the European Union or the United Kingdom), local laws may set higher age thresholds (typically 16). We do not knowingly collect personal data from individuals below the applicable minimum age.
If We Collect Data Inadvertently
If we discover that we have inadvertently collected personal information from a child without appropriate consent:
– We will take steps to delete such information as soon as possible.
– We may also take steps to notify the parent or guardian, if identifiable.
11. Limitation of Liability
To the fullest extent permitted by applicable law:
a. No Warranty
All content, property descriptions, floor plans, renderings, pricing, images, specifications, and any other information on this website or in marketing materials are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied. This includes, without limitation, warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement.
b. Exclusion of Damages
BI Group USA, its affiliates, officers, employees, agents, and contractors shall not be liable for any direct, indirect, incidental, consequential, punitive, exemplary, or special damages (including but not limited to loss of profits, business interruption, data loss, goodwill, or opportunity costs) arising out of or related to:
– use of, or reliance on, this website, brochures, renderings, or marketing communications;
– inaccuracies, typographical errors, omissions, or delays in content;
– changes, delays, or cancellations of property developments, including design, pricing, features, amenities, or availability;
– technical failures, interruptions, malware, unauthorized access, or security breaches affecting the website or communications.
c. Scope of Liability
Any enforceable legal obligations of BI Group USA to purchasers, tenants, or investors are strictly limited to those expressly set forth in duly executed and binding written agreements (such as purchase and sale agreements, lease agreements, or financing contracts).
– No statement in marketing materials, advertisements, renderings, or this website shall create any binding obligation or warranty.
– All promotional and informational materials are subject to change without notice.
d. Limitation of Claims
To the maximum extent permitted by law, any claims against BI Group USA relating to your use of the website or marketing materials must be brought within one (1) year of the event giving rise to the claim, regardless of any statute of limitations.
e. Jurisdictional Limitation
These disclaimers and limitations apply to the maximum extent permitted under the laws of the States of Florida and Texas. If any provision of this section is held unenforceable, the remaining provisions shall remain valid and enforceable.
12. Governing Law and Jurisdiction
This Privacy Policy, and any disputes, claims, or proceedings arising out of or relating to it, shall be governed by and construed in accordance with the laws of the States of Florida and Texas, without regard to conflict-of-law principles.
– You agree that any legal action or proceeding shall be brought exclusively in the state or federal courts located in Florida or Texas, and you hereby submit to the personal jurisdiction of such courts.
– If you access our services from outside the United States, you are responsible for compliance with local laws, but U.S. law (Florida/Texas) shall govern any disputes.
13. Changes to This Privacy Policy
We may update or revise this Privacy Policy from time to time in response to legal, technical, or business developments.
– The updated version will be posted on our website with a revised “Effective Date.”
– Where required by law, we will notify you of material changes (for example, by email or a prominent notice on our website) and, if necessary, seek your consent.
– Your continued use of our services after the effective date of the revised Privacy Policy constitutes your acceptance of the updated terms.
14. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal information, you may contact us at:
BI Group USA
Company Address: 175 SW 7th Street, Suite 2201, Miami, Fl., 33130
Email: babyar_a@bi.group
