After her three sons had graduated from college, Carol Agranoff moved to South Florida in 1998 from South New Jersey to be close to her parents. Carol had a strong background in retail sales that included owning her own high end boutique. After moving to Florida, Carol met her husband, Gilbert Arcia, and helped him open and manage a very successful ADT franchise. In 2005, their focus shifted to the mortgage business where she and her husband assisted her husband succeeded in opening several mortgage offices. This is where Carol’s interest in real estate came to pass. Carol became licensed as a Florida Realtor in 2006 and went to work in for ReMax in Weston, Florida where she participated in multiple transactions representing both Buyers and Sellers. She then transferred her license and business to a small private real estate boutique focusing her career on a sophisticated clientele. With her parents aging and requiring more of here attention, Carol placed her license in an inactive status for three years. Carol’s interest in real estate continued and with more time available now, Carol has joined the Real Estate office of Frankel Realty Group and is looking forward to a long and successful career.
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1. We are committed to protecting the security and integrity of customer information through procedures and technology designed for this purpose. We limit employee access to customer information to those who have a business reason to know. Employees are required to honor our code of conduct, which includes standards for protecting customer confidentiality. We maintain policies and procedures covering the proper physical security of workplaces and records. Our physical, electronic, and procedural safeguards meet or exceed federal standards regarding the protection of customer information. We require contractors and outside companies who work with us to adhere to strict privacy standards through their contracts with us.
2. We collect and maintain customer information as part of servicing your account and your customer relationship. In the course of serving you, we collect information about you from a variety of sources, such as: Information you provide to us on applications or forms, such as your income and accounts with others; Information we receive from an outside company, such as a credit bureau, regarding your credit history or employment status; or Information about your transactions or experiences with companies affiliated with ours.
3. The customer information we collect is used to service your accounts and meet your financial needs. Information may be used among our affiliate companies, as well as with authorized third parties (described in section 4), for a number of purposes, such as:
4. We do not share customer information with outside parties who may wish to market their products to you. We may disclose the information we collect to non-affiliated third parties that are acting on our behalf, or as permitted or required by law, including: Companies that perform support services for us, such as data processors, technical systems consultants, or check printers. Companies that help us market products and services to you, conduct surveys or provide marketing research. Government entities, courts or other entities (in response to subpoenas and other legal processes), or those with whom you have requested us to share information. Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.
6. State Laws, Trust Accounts. Some state laws may impose additional restrictions on disclosure of information on customers for certain purposes in those states. Nevada Residents – Nevada Statute Section 228.600(3) allows marketing calls to our existing customers listed on the National Do Not Call Registry. You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection Office of the Nevada Attorney General 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101 Phone: (702) 486-3132 Email: BCPINFO@ag.state.nv.us
Vermont Residents – In accordance with Vermont law, we will not share personal financial information about you, other than transaction and experience information, with other affiliated companies for any purpose, nor will we share any personal financial information about you with other affiliated companies for marketing purposes. Trust accounts, for which we or our affiliates are the trustee, are protected under special rules of confidentiality, and trust account information is not shared for marketing purposes without specific consent. UNDER NO CIRCUMSTANCES SHALL COMPANY OR ITS SHAREHOLDERS, DIRECTORS, AFFILIATES, OFFICERS, AGENTS OR EMPLOYEES BE LIABLE FOR ANY DAMAGES (INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, CONSEQUENTIAL, LOST PROFITS OR LOST REVENUE) THAT RESULT FROM THE USE OF THE INFORMATION OR MATERIALS ON THIS SITE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES.
This policy is governed by the laws of the State of Florida, with the exception of its conflicts of laws provisions.
Carry only necessary information with you. Leave your Social Security card and unused credits cards at home in a safe location. Make photocopies of vital information you carry regularly and store them in a secure place, such as a safe deposit box. Do not provide your Social Security Number unless absolutely necessary. Shred documents containing personal or financial information before discarding. Fraud and identity theft often occurs as a result of mail and garbage theft. Place outgoing mail in a U.S. Postal Service mailbox to reduce the chance of mail theft. Promptly retrieve incoming mail to reduce the opportunity for theft. Monitor your credit report for accuracy. By law, you are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies. To learn more or request a copy of your credit report, visit annualcreditreport.com or call 1-877-322-8228. Assistance to Victims of Identity Theft You should also report the crime to your local law enforcement agency and to the Federal Trade Commission (FTC). To speak with a trained FTC telephone counselor, call toll-free at 1-877-IDTHEFT (1-877-438-4338). To enter information about your complaint into a secure FTC online database, sign onto www.ftc.gov/idtheft. The site also provides links to numerous consumer education materials.
If you want to reduce the number of credit offers you receive, contact the National Consumer Credit Reporting Agencies at 1-888-567-8688 (1-888-5-OPTOUT) or visit www.optoutprescreen.com for details. Financial institutions and other companies provide information to the Credit Bureaus for credit verification, fraud control purposes, and prevention of identity theft. You may direct these agencies not to sell or share this information about you for marketing purposes. This document applies to (1) consumers who have, or have had, a customer relationship or have made an inquiry or application, and (2) individuals who have provided personal information in connection with business accounts, loans, and leasing programs or individuals associated with dealers participating in sales finance programs; and where the consumer relationship, inquiry, application, or personal information is provided. The policies and practices described in this disclosure are subject to change, but we will communicate any significant changes to you as required by law. The policies and practices described in this disclosure replace all previous notices or statements regarding this subject.