Privacy Policy & Terms and Conditions

Last updated: November 15, 2025

Table of Contents

Privacy Policy

Last updated: November 15, 2025

Advisory Capital Broker Training (“Company”, “we”, “us”, or “our”) provides educational and training services for commercial capital and broker professionals. This Privacy Policy explains how we collect, use, and protect personal information when you use our website, register for our courses, communicate with us, or receive SMS messages from us.

Who we are

Our details are:

We are an education and training company. We are not a lender, do not originate loans, and are not engaged in any direct lending or other regulated financial activity.

Information we collect

We collect information in three main ways:

  • Information you provide directly, such as:
    • Name, email address, phone number, and mailing address
    • Account login details (username and password)
    • Course registration and enrollment details
    • Payment and billing information (processed by our payment providers)
    • Messages you send to us by email, web forms, or SMS
  • Information collected automatically when you visit our website, such as:
    • IP address and general location (city/region level)
    • Browser type and version, device type, operating system
    • Pages visited, time spent on pages, and referring/exit pages
    • Cookies and similar technologies used for login, security, and analytics
  • Information from comments and forms:
    • If you leave a comment, we collect the data shown in the comment form, your IP address, and browser user agent string to help with spam detection.
    • An anonymized string created from your email address may be provided to the Gravatar service. The Gravatar service privacy policy is available at https://automattic.com/privacy/.

How we use your information

We use personal information for the following purposes:

  • To operate and maintain our website and online course platform.
  • To process registrations, payments, and manage your account.
  • To send transactional communications, including:
    • Course registration confirmations and receipts.
    • Class schedules, reminders, and changes.
    • Access instructions and course materials.
    • Responses to questions or support requests that you initiate.
  • To send SMS messages you have consented to receive, including:
    • Course registration confirmations and reminders.
    • Updates to training dates, times, or access links.
    • Responses to information or support requests you send by SMS.
  • To improve our courses, content, and website based on usage and feedback.
  • To protect our services and users from fraud, abuse, or security threats.
  • To comply with legal obligations and enforce our Terms and Conditions.

We do not sell your personal information. We do not send SMS blasts for general marketing or promotions. SMS is used only for service-related and user-initiated communications.

SMS and your phone number

When you provide your phone number (for example, on a registration form or by texting us directly), you agree that we may send you text messages related to your training and requests, including:

  • Confirmation of course registrations.
  • Reminders and updates about course dates, times, and access links.
  • Messages responding to your questions or requests sent by SMS.

You can opt out of SMS at any time by replying STOP to our messages. After you opt out, we will no longer send SMS to that number, except where required for legal or security notifications. Message and data rates may apply depending on your mobile plan. Message frequency varies based on your registrations and requests.

Cookies and similar technologies

We use cookies and similar technologies to:

  • Keep you logged in and maintain your session.
  • Remember your preferences and display options.
  • Help protect against fraud and unauthorized access.
  • Understand how visitors use our website so we can improve it.

You can control cookies through your browser settings. Disabling cookies may affect certain features, including the ability to log in or remain logged in.

How we share information

We may share your information with trusted service providers who help us operate our business, such as:

  • Payment processors.
  • Email and SMS delivery providers.
  • Web hosting and analytics providers.

These providers are only allowed to use your information to perform services for us and must protect it appropriately. We may also share information when required by law, in response to legal process, or to protect our rights, safety, or the rights and safety of others.

We do not sell your personal information or share it with third parties for their own independent marketing purposes.

Data retention

We retain personal information only as long as necessary to:

  • Provide the services and courses you have requested.
  • Maintain your account while it is active.
  • Comply with legal, tax, and accounting obligations.
  • Resolve disputes and enforce our agreements.

If you leave a comment, the comment and its metadata may be retained indefinitely so we can recognize and approve follow-up comments automatically. You may request deletion of your account and associated personal information, subject to our legal obligations to retain certain records.

Your rights

Depending on your location, you may have rights to:

  • Request access to the personal information we hold about you.
  • Request correction of inaccurate or incomplete information.
  • Request deletion of your personal information where legally permitted.
  • Object to or restrict certain types of processing.
  • Withdraw consent to marketing or SMS at any time (for SMS, reply STOP).

To exercise these rights, contact us at info@advisorycapitalbrokertraining.com. We may need to verify your identity before responding to certain requests.

International transfers

Our website and services are operated from the United States. If you access our site from outside the United States, your information may be transferred to and processed in the United States or other countries with different data protection laws than your home country. We take steps to protect personal information in accordance with this Privacy Policy and applicable law.

Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, or alteration. No method of transmission over the internet or method of electronic storage is completely secure, so we cannot guarantee absolute security.

Third-party links

Our website may contain links to third-party websites or services that we do not control. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children’s privacy

Our website and services are intended for adults. We do not knowingly collect personal information from children under 18. If you believe a child has provided us with personal information, please contact us so we can remove it.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the “Last updated” date at the top of this page. Your continued use of our website and services after changes are posted means you accept the updated policy.

Contact us

If you have questions or concerns about this Privacy Policy or how we handle your information, please contact us:

Terms and Conditions

Last updated: April 18, 2023

Please read these Terms and Conditions carefully before using Our Service.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms and Conditions:

  • Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

  • Country refers to Florida, United States.

  • Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Advisory Capital Broker Training, 610 E Zack St, Tampa, FL 33602.

  • Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

  • Feedback means feedback, innovations or suggestions sent by You regarding the attributes, performance or features of our Service.

  • Services refer to the training programs, courses, and related educational services offered on the Service.

  • Orders mean a request by You to purchase Services from Us.

  • Service refers to the Website and the training programs and related services provided by the Company.

  • Terms and Conditions (also referred as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.

  • Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third party that may be displayed, included or made available by the Service.

  • Website refers to Advisory Capital Broker Training, accessible from https://www.advisorycapitalbrokertraining.com

  • You means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Website and tells You about Your privacy rights and how the law protects You.

Placing Orders for Services

By placing an Order for Services through the Service, You warrant that You are legally capable of entering into binding contracts.

Your Information

If You wish to place an Order for Services available on the Service, You may be asked to supply certain information relevant to Your Order including, without limitation, Your name, Your email, Your phone number, Your billing address, and any information necessary to process payment.

You represent and warrant that: (i) You have the legal right to use any credit or debit card(s) or other payment method(s) in connection with any Order; and that (ii) the information You supply to us is true, correct and complete.

By submitting such information, You grant us the right to provide the information to payment processing third parties for purposes of facilitating the completion of Your Order.

Order Cancellation

We reserve the right to refuse or cancel Your Order at any time for certain reasons including but not limited to:

  • Service availability.
  • Errors in the description or prices for Services.
  • Errors in Your Order.

We reserve the right to refuse or cancel Your Order if fraud or an unauthorized or illegal transaction is suspected.

Your Order Cancellation Rights

Any Services you purchase are subject to the cancellation and refund terms presented at the time of purchase and/or in our separate Refund or Cancellation Policy, if applicable. Please refer to those terms for details on your rights to cancel or reschedule training.

Availability, Errors and Inaccuracies

We are constantly updating Our offerings of Services on the Website. The Services available on Our Website may be mispriced, described inaccurately, or unavailable, and We may experience delays in updating information regarding our Services on the Website and in Our advertising on other websites.

We cannot and do not guarantee the accuracy or completeness of any information, including prices, descriptions, schedules, or availability. We reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.

Prices and Payments

The Company reserves the right to revise its prices at any time prior to accepting an Order.

All Services purchased are subject to a one-time payment unless otherwise clearly stated (for example, if a payment plan is offered). Payment can be made through the payment methods we make available, such as major credit or debit cards or online payment methods.

Payment cards (credit cards or debit cards) are subject to validation checks and authorization by Your card issuer. If we do not receive the required authorization, We will not be liable for any delay or non-delivery of access to the Services.

Intellectual Property

The Service and its original content (excluding content provided by You or other users), features and functionality are and will remain the exclusive property of the Company and its licensors.

The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

Your Feedback to Us

You assign all rights, title and interest in any Feedback You provide the Company. If for any reason such assignment is ineffective, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty-free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify and exploit such Feedback without restriction.

Links to Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, services or services available on or through any such web sites or services.

Termination

We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.

Upon termination, Your right to use the Service will cease immediately.

Limitation of Liability

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of these Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven’t purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of these Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

"AS IS" and "AS AVAILABLE" Disclaimer

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice.

Governing Law

The laws of the State of Florida, excluding its conflicts of law rules, shall govern these Terms and Your use of the Service.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party’s ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Changes to These Terms and Conditions

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the Website and the Service.

Contact Us

If you have any questions about these Terms and Conditions, You can contact us: