Investments Archives - pdfinancial

FAMILY HOME OR COMMERCIAL PROPERTY? WHAT IS THE BEST INVESTMENT?

The answer is simple: It depends. It depends on whether the investor is looking for annual profitability in the short term or revaluation of the asset over time if the purchase will be made in cash or if they intend to use the leverage of a bank or a private loan. In general terms, some […]

Miami-Dade approves property tax reduction.

From 2020 to 2021, properties in South Florida have appreciated considerably. As for Miami-Dade, taxable property values increased by $34 billion. In this context, the County expects to obtain an additional 154 million dollars, so voices of the city commissioners considered it pertinent to approve a greater tax reduction. The city of Miami benefited the […]

2023 Predictions in Real Estate for the United States.

Miami will be the second-largest luxury real estate market in 2023. The luxury real estate market is expected to see 5 percent price growth this year, according to a new report on the top 25 luxury real estate markets. by the specialized consulting firm Knight Frank. A global ranking of the top 25 luxury real […]

WHAT YOU SHOULD KNOW ABOUT INVESTING IN PROPERTY IN FLORIDA.

Florida’s real estate market is on the rise. The Florida real estate market is one of the most profitable investment markets. Many factors suggest that purchasing investment properties in Florida is a rewarding experience. Beyond operating in a market that guarantees legal security, the sustained profitability explains the “boom” of investment in Real Estate. It […]

Florida Mortgage Loan Originator (MLO) website disclaimer:
· All loan approvals are conditional, not guaranteed, and subject to lender review of all information. No statement on this site is a
commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sucient equity, and final
credit approval.
· The information contained on this website is for general informational purposes only and is believed to be reliable, but we do not warrant its
completeness, timeliness, or accuracy. Nothing on this site constitutes legal, financial, or tax advice. You should consult with a qualified
professional for advice specific to your circumstances.
· We are an Equal Housing Opportunity Mortgage Broker. As prohibited by federal law, we do not engage in business practices that
discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a
binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith,
exercised any right under the Consumer Credit Protection Act.
· These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. We are not
aliated with any government agency referenced within this website.
· While every eort has been made to ensure the accuracy of the information provided, we are not responsible for any errors or omissions, or
for the results obtained from the use of this information. All information is provided “as is,” without warranty of any kind, express or implied,
including but not limited to warranties of performance, merchantability, and fitness for a particular purpose.
Links to third-party websites are provided for your convenience only. We do not endorse or assume responsibility for the content, policies, or
practices of any third-party sites.
Your continued use of this website constitutes your acceptance of this disclaimer as amended. We reserve the right to make changes to this
disclaimer at any time without notice.
The use of this website and the provision of products and services are governed by the laws of the State of Florida.
Additional Florida-Specific Notice:
You are not authorized to engage in Florida regulated mortgage origination activities until you have been granted a license issued by the
Florida Once of Financial Regulation.
This template reflects best practices and regulatory requirements for Florida MLOs. It is advisable to tailor the disclaimer to your specific
business and seek legal review to ensure compliance with Florida and federal laws.

Privacy Policy

Protecting your private information is our priority. This Statement of Privacy applies to www.PDFinancialLLC.com, and PD Financial LLC and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to PD Financial LLC include www.PD Financiall.1.C.com and PD Financial LLC. The PD Financial LLC website is a PD Financial LLC provides private mortgage loans for foreigners who want to buy properties in the United States. It also offers accounting and tax consulting.

By using the PD Financial LLC website, you consent to the data practices described in this statement.

Collection of your Personal Information

PD Financial LLC may collect anonymous demographic information, which is not unique to you, such as your Age, Location, Technology used, etc. We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services. These may include: (a) registering for an account; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Sharing Information with Third Parties

PD Financial LLC does not sell, rent or lease its customer lists to third parties.

PD Financial LLC may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail. name, address, telephone number) is transferred to the third party.

PD Financial LLC may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to

PD Financial LLC, and they are required to maintain the confidentiality of your information.

PD Financial LLC may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on PD Financial LLC or the site; (b) protect and defend the rights or property of PD Financial LLC; and/or (c) act under exigent circumstances to protect the personal safety of users of PD Financial LLC, or the public.

Opt-Out of Disclosure of Personal Information to Third Parties

Tn connection with any personal information we may disclose to a third party for a business purpose, you have the right to know:

The categories of personal information that we disclosed about you for a business purpose

You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt-out of the disclosure of your personal information. If you exercise your right to opt-out of the disclosure of your personal information,

we will refrain from disclosing your personal information, unless you subsequently provide express authorization for the disclosure of your personal information.

Tracking User Behavior

PD Financial LLC may keep track of the websites and pages our users visit within PD Financial LLC, in order to determine what PD Financial LLC services are the most popular. This data is used to deliver customized content and advertising within PD Financial LLC to customers whose behavior indicates that they are interested in a particular subject area.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by PD Financial LLC. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the PD Financial LLC website.

Use of Cookies

The PD Financial LLC website may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize PD Financial LLC pages, or register with PD Financial LLC site or services, a cookie helps PD Financial LLC. to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same PD Financial LLC website, the information you previously provided can be retrieved, so you can easily use the PD Financial LLC features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to filly experience the interactive features of the

PD Financial LLC services or websites you visit.

Links

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they Leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Security of your Personal Information

PD Financial LLC secures your personal information from unauthorized access, use, or disclosure. PD Financial LLC uses the following methods for this purpose:

SSL Protocol

When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

Delete your personal information from our records; and

Direct any service providers to delete your personal information from their records

Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:

Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;

Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;

Debug to identify and repair errors that impair existing intended functionality;

Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;

Comply with the California Electronic Communications Privacy Act;

Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;

Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;

Comply with an existing legal obligation: or

Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Children Under Thirteen

PD Financial LLC does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

Opt-Out & Unsubscribe from Third Party Communications

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of PD Financial LLC by contacting us here:

– Web page: www.PDFinancialLLC.com

– Email: [email protected]

– Phone: 1.786.669.7302

E-mail Communications

From time to time, PD Financial LLC may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from PD Financial LLC or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email from PD Financial LLC , you may opt out of such communications by clicking on the UNSUBSCRIBE button.

External Data Storage Sites

‘We may store your data on servers provided by third party hosting vendors with whom we have contracted.

Changes to this Statement

PD Financial LLC reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our website, and/or by updating any privacy information. Your continued use of the website and/or Services available after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

Contact Information

PD Financial LLC welcomes your questions or comments regarding this Statement of Privacy. If you believe that PD Financial LLC has not adhered to this Statement, please contact PD Financial LLC at:

PD Financial LLC

703 WATERFORD WAY. SUITE 805

MIAMI, Florida 33126

Email Address

[email protected].

Phone number: 1.786.669.7302

Effective as of June 06, 2022

Terms and Conditions

Agreement between User and PD Financial LLC

Welcome to PD Financial LLC. The PDFinancialLLC.com website (the “Site”) is comprised of various web pages operated by PD Financial LLC (” PD Financial LLC “). PDFinancialLLC.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of PDFinancialLLC.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.

PDFinanciall.LC.com is a Corporate Site.

PD Financial LLC provides private mortgage loans for foreigners who want to buy properties in the United States. It also offers accounting and tax consulting.

Electronic Communications

Visiting PDFinancialLLC.com or sending emails to PD Financial LLC constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Children Under Thirteen

PD Financial LLC does not knowingly collect, cither online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use PDFinancialLLC.com only with permission of a parent or guardian.

Links to Third Party Sites/Third Party Services

PDFinancialLLC.com may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of PD Financial LLC and PD Financial LLC is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or

any changes or updates to a Linked Site. PD Financial LLC is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by PD Financial LLC of the site or any association with its operators.

Certain services made available via PDFinancialLLC.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the PDFinancialLLC.com domain, you hereby acknowledge and consent that PD Financial LLC may share such information and data with any third party with whom PD Financial LLC has a contractual relationship to provide the requested product, service or functionality on behalf of PDFinancialLLC.com users and customers.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use PDFinancialLLC.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to PD Financial LLC that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of PD Financial LLC or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. PD Financial LLC content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of PD Financial LLC and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of PD Financial LLC or our licensors except as expressly authorized by these Terms.

Third Party Accounts

You will be able to connect your PD Financial LLC account to third party accounts. By connecting your PD Financial LLC account to your third-party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with your privacy settings on those third-party sites). If you do not want information about you to be shared in this manner, do not use this feature.

International Users

‘The Service is controlled, operated and administered by PD Financial LLC from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the PD Financial LLC. Content accessed through PDFinancialLLC.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless PD Financial LLC, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. PD Financial LLC reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with PD Financial LLC in asserting any

available defenses.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator’s award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration ariscs out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney’s fees. ‘The parties agree to arbitrate all disputes and claims in regards to these ‘Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH’S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS TIN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and PD Financial LLC agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not

otherwise preside over any form of a representative or class proceeding,

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE. MAY INCLUDE INACCL RACIES OR TY POGRAPHICAL ERRORS, CHANGES ARE PERIODICALLY ADDED TO ‘THE INFORMATION HEREIN. PD FINANCIAL LLC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CIIANGES IN THE SITE AT ANY ‘TIME.

PD FINANCIAL LLC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PFRMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. PD FINANCIAL LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR, PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PD FINANCIAL LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF PD FINANCIAL LLC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction

PD Financial LLC reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Florida and you hereby consent to the exclusive jurisdiction and venue of courts in Florida in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and PD Financial LLC as a result of this agreement or use of the Site. PD Financial LLC ‘s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of PD Financial LLC ‘s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by PD Financial LLC with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and PD Financial LLC with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and PD Financial LLC with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms

PD Financial LLC reserves the right, in its sole discretion, to change the Terms under which PDFinancialLLC.com is offered. The most current version of the Terms will supersede all previous versions. PD Financial LLC encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

PD Financial LLC welcomes your questions or comments regarding the Terms:

PD Financial LLC

703 WATERFORD WAY. SUITE 805

MIAMI, Florida 33126

Email Address:

[email protected]

Phone number:

1.786.669.7302

Effective as of June 06, 2022