Find Your Emerald Coast Home Live the Gulf Life!

Duplex

309 Paridiso Place B

Panama City Beach , FL 32413

MLS#: 771999

$985,000

Status: Active
Listing number: 771999
Listing provided by: Panhandle Real Estate
Listing agent phone: None
Last update: 7 days ago
On site: 10 months ago
Browse Properties
Laguna Beach - Residential

Property

Beds

5

Full Baths

4

1/2 Baths

1

Year Built

2025

Sq.Footage

N/A

Back on the Market - FULLY FURNISHED AND ON RENTAL PROGRAM. Luxury Duplex Just Steps from the Gulf - A Perfect Investment Opportunity! Live your best Salt Life in the highly sought-after West End community of Laguna Beach, just three blocks from the stunning Gulf of America! This incredible luxury duplex offers both fantastic vacation rental income potential and the opportunity to enjoy the ultimate coastal lifestyle. With 1-car garages per side, this is a rare find that offers extra convenience and flexibility - ideal for storing golf carts or other beach gear while maximizing rental potential. The property is just a short stroll from dedicated beach access, leading you directly to the sugar-white sands of the Gulf of Mexico, where you can relax and soak in the sun. Property Features: Coastal Living at Its Finest: This luxury duplex has been meticulously designed with the highest quality Coastal Construction upgrades to withstand the elements and provide comfort and style. 2x6 Exterior Construction for extra durability, paired with Hardi Siding, Metal Roofs, and Storm Rated Windows. The interior is designed to impress with an abundance of Ship Lap and Wainscoting that would make Chip and Joanna Gaines proud! High-end finishes including Quartz Countertops, designer tilework in the showers and backsplashes, beautiful cabinetry, and durable LVP flooring for long-lasting wear. Spacious master bedrooms (3 total) and high ceilings create a feeling of openness and light, making each unit feel even larger. Investment Potential: The builder has already sold 3 luxury duplexes this year, which have transformed into highly successful vacation rental properties, providing exceptional income returns. The garages offer storage or the perfect space to park golf carts, making it easier to maximize rental income and guest satisfaction. Additional Amenities: After a day on the beach, rinse off in the convenient outdoor shower, or relax by your private saltwater pool, perfect for a refreshing dip. Each unit has its own private pool, allowing for even more privacy and luxury. With Elite Coastal Construction behind the design, this duplex embodies quality, craftsmanship, and attention to detail. This is your chance to own a beautiful property in an area that blends relaxation, convenience, and high rental potential. Whether you're looking to keep one side as your personal getaway or make both sides part of your rental portfolio, this is an opportunity you won't want to miss.

Features & Amenities

Interior

  • Total Bedrooms

    5

  • Bathrooms

    4

  • 1/2 Bathrooms

    1

  • Cooling YN

    YES

  • Cooling

    Central Air, Ceiling Fan(s), Heat Pump, Multi Units

  • Heating YN

    YES

  • Heating

    Central, Electric, Heat Pump

  • Pet friendly

    N/A

Exterior

  • Garage

    Yes

  • Garage spaces

    1

  • Construction Materials

    HardiPlank Type, Vinyl Siding

  • Other Exterior Features

    Balcony

  • Parking

    Garage, Garage Door Opener

  • Patio and Porch Features

    Patio, Deck, Covered

  • Pool

    Yes

  • Pool Features

    Gunite, In Ground, Salt Water, Private

Area & Lot

  • Lot Size(acres)

    0.09

  • Property Type

    Residential

  • Property Sub Type

    Duplex

  • Architectural Style

    Duplex

Price

  • Sales Price

    $985,000

  • Tax Amount

    $1,650

  • Zoning

    Resid Single Family

  • Sq. Footage

    N/A

  • Price/SqFt

    N/A

HOA

  • Association

    Yes

  • Association Fee Includes

    N/A

School District

  • Elementary School

    West Bay

  • Middle School

    Surfside

  • High School

    Arnold

Property Features

  • Stories

    2

  • Sewer

    Public Sewer

Schedule a Showing

Showing scheduled successfully.

<
>
IN PERSON
VIA CHAT

What is 3 + 4 ?


Change time

Mortgage calculator

Estimate your monthly mortgage payment, including the principal and interest, property taxes, and HOA. Adjust the values to generate a more accurate rate.

Your payment

Principal and Interest:

$

Property taxes:

$

HOA fees:

$

Total loan payment:

$

Total interest amount:

$

Location

County

Bay

Elementary School

West Bay

Middle School

Surfside

High School

Arnold

Listing Courtesy of Thomas Bachelder , Panhandle Real Estate

RealHub Information is provided exclusively for consumers' personal, non-commercial use, and it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. RealHub website owner shall not be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

Agent Ricky Robbins

REALTOR®

Ricky Robbins

Call Ricky today to schedule a private showing.

(850) 625-4394

Ricky@GulfLifeGo.com


* Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work please click here to review our DMCA policy and learn how to submit a takedown request.© 2024 FMLS.
Back on the Market - FULLY FURNISHED AND ON RENTAL PROGRAM. Luxury Duplex Just Steps from the Gulf - A Perfect Investment Opportunity! Live your best Salt Life in the highly sought-after West End community of Laguna Beach, just three blocks from the stunning Gulf of America! This incredible luxury duplex offers both fantastic vacation rental income potential and the opportunity to enjoy the ultimate coastal lifestyle. With 1-car garages per side, this is a rare find that offers extra convenience and flexibility - ideal for storing golf carts or other beach gear while maximizing rental potential. The property is just a short stroll from dedicated beach access, leading you directly to the sugar-white sands of the Gulf of Mexico, where you can relax and soak in the sun. Property Features: Coastal Living at Its Finest: This luxury duplex has been meticulously designed with the highest quality Coastal Construction upgrades to withstand the elements and provide comfort and style. 2x6 Exterior Construction for extra durability, paired with Hardi Siding, Metal Roofs, and Storm Rated Windows. The interior is designed to impress with an abundance of Ship Lap and Wainscoting that would make Chip and Joanna Gaines proud! High-end finishes including Quartz Countertops, designer tilework in the showers and backsplashes, beautiful cabinetry, and durable LVP flooring for long-lasting wear. Spacious master bedrooms (3 total) and high ceilings create a feeling of openness and light, making each unit feel even larger. Investment Potential: The builder has already sold 3 luxury duplexes this year, which have transformed into highly successful vacation rental properties, providing exceptional income returns. The garages offer storage or the perfect space to park golf carts, making it easier to maximize rental income and guest satisfaction. Additional Amenities: After a day on the beach, rinse off in the convenient outdoor shower, or relax by your private saltwater pool, perfect for a refreshing dip. Each unit has its own private pool, allowing for even more privacy and luxury. With Elite Coastal Construction behind the design, this duplex embodies quality, craftsmanship, and attention to detail. This is your chance to own a beautiful property in an area that blends relaxation, convenience, and high rental potential. Whether you're looking to keep one side as your personal getaway or make both sides part of your rental portfolio, this is an opportunity you won't want to miss.

309 Paridiso Place B

Message successfully sent.

What would you like to know?

What is 3 + 4 ?

Related Properties

Looking for a RARE opportunity to own acreage on Panama City Beach? Well, come on and bring your horses! This ranch style home sits on 2.88 acres of fenced-in land with a large pole barn that includes an air-conditioned office area. This property is conveniently located between Saint Andrews Bay and the Gulf of Mexico, Near Thomas Drive and the Navy base. This home is being sold Fully Furnished with an acceptable offer! Recent upgrades to the home include a new metal roof in 2023, all new gravel driveway, granite countertops, & new appliances. This home offers a wide entry way into the open living room with a wood burning fireplace and sliding glass doors to the backyard. The master bedroom has beamed cathedral ceilings, a walk-in closet and en suite bathroom with jetted tub. There are an additional three bedrooms spaced out through the home with an additional full bathroom and a half bath. A converted air conditioned garage is perfect for a large home office, workout room, or hobby room. It is currently setup as an awesome game room equipped with a TV, pool table, & air hockey table. Outside is an in-ground saltwater pool with a new liner, covered patio, and barn. The barn includes 576 sqft enclosed with a loft for storage, a garage door, and air conditioned office. There is an additional 1344 sqft of covered storage. The home is not in a flood zone and completely fenced to provide privacy and seclusion. The opportunity to own a ranch style home, with a workshop, and almost 3 acres of land on the beach doesn't come available very often. This is currently the ONLY property of its kind available on Laird St. So, don't wait and schedule a showing today!
#778048

Panama City Beach

8211 Laird Street

4 Beds

2 Baths

2,947 Sq.Ft.

$845,000

MLS#: 778048

Significant Price Improvement. Experience coastal living at exceptional value. This is a great opportunity! Your One-of-a-Kind Beach Retreat-Steps from the Gulf. Welcome to this stunning, fully furnished beach house just few steps from the Gulf of America. Designed with comfort, elegance and durability in mind, this home offers a rare combination of coastal charm and high end features. Relax on any of the multiple balconies where you can feel the ocean breeze and soak in views of the Gulf and nearby lake. The third floor balcony offers the best of both worlds-gorgeous water views in every direction. Inside, the owner's impeccable taste is evident in every detail. Hurricane proof windows rated to withstand up to 155 mph provide peace of mind, while front-facing windows and transoms are tinted for added privacy and comfort. A private elevator accommodates up to 4 people (1000 lbs), making every level of the home easily accessible. The open-concept living areas feature crown molding thoughout, rich bamboo wood floors, and tile in the kitchen and bathrooms. The gourmet kitchen boasts granite countertops, abundant cabinetry, and stainless steel appliances, while each bathroom also features elegant granite finishes. Special touches include a central vacuum system for convenience, a tankless water heater for energy savings, and a split garage with ample space for tools and storage. The inviting living room offers an electric fireplace-perfect for cozy nights in. The first floor bedroom serves beautifully as a private mother-in-law suite, providing flexibility for guests or extended family. This home is a perfect blend of style, comfort and strength, a true coastal gem ready for its next chapter. Please schedule your private showing on this one of a kind property now!
#777615

Panama City Beach

116 Smugglers Cove Court

5 Beds

4 Baths

2,822 Sq.Ft.

$949,000

MLS#: 777615

New on site 3 days ago
New construction coastal retreat in the heart of Panama City Beach offering 4 bedrooms, 3 full baths, and nearly 2,000 square feet of thoughtfully designed living space. This split-bedroom floor plan was created with both everyday comfort and vacation living in mind. The open-concept kitchen, dining, and living area flows seamlessly onto expansive covered porches totaling approximately 630 square feet—perfect for enjoying coastal breezes, morning coffee, or evening gatherings after a day at the beach. The spacious primary suite features a private bath and generous walk-in closet, while three additional bedrooms provide flexibility for guests, family, or rental accommodations. Outdoor living truly shines with a private pool, outdoor shower, and dedicated pool equipment vault. The 50' x 107' lot offers excellent space while maintaining low-maintenance appeal—ideal for full-time residents, second-home owners, or short-term rental investors. With 1,947 square feet of heated and cooled space and 2,577 total under roof, this home delivers the layout buyers are looking for in Panama City Beach. Located just minutes from the Gulf of Mexico, Pier Park, dining, shopping, and entertainment, this property combines location, functionality, and coastal charm in one beautiful package.
#785323

Panama City Beach

21619 Marlin Avenue

4 Beds

3 Baths

1,947 Sq.Ft.

$999,999

MLS#: 785323

New on site 3 days ago
Experience waterfront living in Bay Point with front-row seats to some of the most breathtaking sunrises on the bay. Built in 2023, this elevated coastal masterpiece captures panoramic water views from nearly every room and offers a rare opportunity to watch boats glide toward the lagoon and pass from your own 52-foot back deck. Designed for both relaxation and entertaining, the deck features a fully equipped outdoor kitchen with grill, sear station, sink, cabinetry, and sleek cable railing that keeps every inch of the view wide open. Inside, walls of oversized windows fill the home with natural light and create a seamless connection to the bay. The kitchen was thoughtfully designed as the heart of the home, showcasing an over 10-foot island, a cast iron sink perfectly framed by an eight-foot picture window overlooking the bay, and a butler's pantry that keeps everyday appliances out of sight. With no upper cabinets, the space feels open, modern, and intentionally centered around the view. The upper level was built for gathering, with the kitchen, living space, and office all oriented toward the water. One of the four bedrooms is currently styled as a game room/man cave with a large walk-in storage closet and direct access from the main living area, offering flexible space for guests, hobbies, or media. The office is finished with over 100-year-old European doors, adding warmth and character you simply can't replicate. Downstairs, three additional bedrooms provide privacy and comfort, including a serene primary suite with calming water views, a spa-inspired bath with soaking tub, walk-in shower, dual vanities, and an oversized custom closet. Just outside the suite, a private pavered porch with outdoor seating and an eight-person Master Spas hot tub creates a personal retreat where evenings end with peaceful bay breezes and quiet water reflections. Perfectly positioned just down the street from the resident-only Thomas Drive gate, this location offers both added security and exceptional convenience. Bay Point is one of the area's most sought-after gated communities featuring 24-hour roving security, Bay Point Golf Club, Point South Marina, and golf-cart-friendly streets. Wildlife sightings are part of everyday life here, with deer often seen wandering through your yard, adding to the natural charm that makes Bay Point so special. From the grand double-door entry and statement staircase to the ever-changing colors of the morning sky over the bay, this home delivers a rare blend of coastal design, privacy, and unforgettable waterfront living! Home Insurance: $2,584 | Flood Insurance (Quoted): $2,500 | Avg Electric: $200 | Avg Gas: $50 | Avg Water: $100
#785334

Panama City Beach

3207 Swordfish Drive

4 Beds

2 Baths

2,980 Sq.Ft.

$1,175,000

MLS#: 785334

New on site 4 days ago
Luxury. Convenience. Affordability -- All in One Exceptional Home. Welcome to 3926 Diana Court, Panama City Beach -- where coastal living meets modern elegance. This newly built, 3,445-square-foot residence sits on a spacious ¼-acre lot and offers the perfect blend of comfort, style, and thoughtful design -- all with no HOA in a beautiful, established neighborhood. Enjoy the best of beach living: • Just a 3-minute walk to put your feet in the sand on the Bay • Only a 5-minute drive to the stunning Gulf of America Step inside and experience over $50,000 in premium upgrades, carefully selected to enhance everyday living: • Private, fully fenced backyard oasis -- ideal for entertaining or quiet evenings • Solar-powered blinds throughout for efficiency and convenience • Luxurious soaker tub in the primary suite -- your personal spa retreat Located minutes from the crystal-clear waters of Panama City Beach and near the prestigious Bay Point Golf Course, this home also places you close to exceptional dining, shopping, and beloved local favorites. Whether you're searching for your forever home or the perfect coastal getaway, this property truly checks every box.
#785287

Panama City Beach

3926 Diana Court

5 Beds

4 Baths

3,352 Sq.Ft.

$899,000

MLS#: 785287

Discover the charming allure of 6511 Golden Aster Trail, a 2,428 sq ft home in RiverCamps. This home offers a serene retreat nestled on 1.22 acres among the natural beauty of RiverCamps. Boasting four spacious bedrooms, including the luxurious master bedroom located on the main floor of the home with the remaining 3 bedrooms quietly placed upstairs with a large, full bath. This home combines comfort with class. The home radiates quality craftsmanship throughout. From the high-end hardwood look luxury vinyl flooring (no carpet!) to the wood beams and T&G every inch of this residence speaks to a build quality designed to last. The open-plan living area, flooded with natural light, offers ample space for relaxation and entertainment, making it an ideal setting for gathering friends and family. Culinary enthusiasts will delight in the state-of-the-art kitchen featuring modern appliances, gas stove top, quartz countertops, and custom cabinetry. The exterior of this home is just as impressive as its interior. The home boasts an outdoor shower, fish cleaning table, ample storage and a workshop area. On the cool winter nights gather around the firepit after soaking in the hot tub. Owners recently added a whole home generator and a lift allowing you to bypass the stairs to the main level of the home. The RiverCamps community is as inviting as the home itself. This waterfront community is located a short 10-mile drive to Pier Park where residents can enjoy a variety of shopping, dining, and entertainment options and of course the famous white sandy beaches of Panama City Beach. The proximity to the Northwest Florida Beaches International Airport adds a layer of convenience. Just 2 miles away is the recently announced Publix grocery store and the adjacent 450,000 sq ft of future retail/restaurant space. This home does more than just offer a place to live it provides a lifestyle of convenience, nature and room to roam. Whether it's the peaceful setting, the community amenities, which include the recently completed community pool/pavilion area, 7 miles of connected trails, an owners-only boat ramp, day-use boat slips, dry-boat storage and direct access to West Bay, Shell Island and the Gulf. New fitness center and outfitters room will be completed late 2026. RiverCamps has less than 450 homesites situated on 500 acres with 1000 acres committed to conservation. Far from the traffic and crowds yet close to all that Panama City Beach has to offer.
#785198

Panama City Beach

6511 Golden Aster Trail

4 Beds

2 Baths

2,428 Sq.Ft.

$989,000

MLS#: 785198

This home is steps from the Sugar Sand Beaches of The Gulf. This home is on a quiet dead end road on the street 90% of homes are owner occupied.The house sits on a DOUBLE LOT Plenty of room to add addition square footage and a Pool. The house is minutes from shopping and entertainment. This home is in move in condition also city sewer is available for tap in front yard. The house is equiped with a Generac Generator which runs the entire home if there is an outage. Roof was replace after Hurricane Micheal The A/C unit was installed in 2022 Appliances are 2 Years Old There is NO HOA Call me and set up a visit Priced to sell at only $435.00 Per Sq. Ft. On a double Lot
#785153

Panama City Beach

327 Shasta Street

3 Beds

3 Baths

1,824 Sq.Ft.

$795,000

MLS#: 785153

ARUBA - Experience the ultimate in resort-style living at Latitude Margaritaville Watersound — Florida's premier 55+ coastal community. Perfectly positioned on a quiet cul-de-sac overlooking a tranquil preserve, this highly upgraded Aruba model (Island Collection) defines luxury, privacy, and convenience. Enjoy quick golf cart or walking-trail access to world-class amenities, beaches, shopping, and the dog park — all while coming home to a serene setting with no homes or future development behind the property. Inside, this nonsmoking, pet-free home offers a like-new interior with elegant upgrades throughout. Designer touches include 8' doors, laminate & tile flooring, 5¼'' baseboards, plantation shutters, recessed lighting in every room, and designer ceiling fans. The impact-rated windows, doors, and garage doors ensure both beauty and peace of mind, complemented by whole-house gutters, a Taexx pest defense system, and a termite bond for ongoing protection. The chef-inspired kitchen showcases Level 3 cabinetry with crown molding, Level 5 quartz countertops, under-cabinet lighting, a double trash pullout, glass tile backsplash, and premium KitchenAid stainless appliances—including a gas cooktop, hood, French door refrigerator (with a surge protector), microwave, and dishwasher. Elegant details like seeded glass pendants, a pull-out shelving system, and custom glass cabinet doors make this kitchen as functional as it is stunning. The great room features a custom gas fireplace with marble surround, tongue-and-groove wall & ceiling with beams and custom paint, and integrated ceiling speakers with Sonos amplifier, creating an inviting and sophisticated space for entertaining. Step outside to an expanded screened lanai with pavers, gas stub-out, and media connections—the perfect setting for outdoor relaxation surrounded by nature. The primary suite offers a spa-like retreat with reading lights, upgraded quartz countertops, Level 3 tile, dual built-in closet systems, custom mirrors, and upgraded faucets. The guest suite also enjoys thoughtful enhancements, including upgraded tile, faucets, custom mirrors, and additional outlets for convenience. Additional highlights include: - Solid French doors and CAT6/RG6 outlets in the den, guest bedroom & lanai - Laundry room with upper/lower cabinetry, sink, gas dryer hookup, and network jacks - Epoxy-finished garage floor with insulation package, smart MyQ garage openers with cameras, and surge protection - Upgraded Schlage Encode Wi-Fi front door lock and privacy film on front glass Every element of this home has been thoughtfully curated for luxury, comfort, and longevity. Discover the perfect home, in the perfect setting, in the perfect location — Latitude Margaritaville Watersound. See the documents section for the full detailed list of upgrades. The town center amenities include the Latitude Bar and Chill, Outdoor Resort Style Pool, Indoor lap pool and Spa, Fitness Center, Pickleball, Tennis, Bocce Ball, Cornhole, brand new Woodworking Shop, Pottery center and Movie Theatre! Enjoy live music at the Bandstand and Game Lawn or take a kayak on the Intercostal Waterway. All of this just a short drive to the beautiful Emerald Coast Beaches and the iconic 30A where you can enjoy breathtaking sunsets on the white sugar sand beaches!
#781576

Panama City Beach

8325 Fins Up Court

2 Beds

2 Baths

2,357 Sq.Ft.

$829,900

MLS#: 781576

Start 2026 with a strong, stabilized income property at 2605 Redwood Street, a well-maintained duplex consisting of two separate buildings, each featuring two apartments for a total of four units. This turnkey asset is fully leased and positioned to deliver immediate and reliable cash flow. The property offers a desirable unit mix of spacious 3-bedroom and 2-bedroom apartments, each with 1½ bathrooms. All apartments have been renovated with new kitchen, new flooring throughout, and Energy saving appliances. appealing to long-term tenants and supporting consistent occupancy. All apartments have been recently renovated. Recent capital improvements significantly enhance the property's value and reduce near-term maintenance, including brand-new flooring throughout, A/C unit is less than 4 years old, the roof was replaced in 2019, part of the siding on each building has been replaced, a newly installed septic tank. With all apartments currently rented, the property generates an estimated Net Operating Income of $70,000 annually, offering investors an attractive 7% cap rate. The combination of strong in-place income, recent upgrades, and minimal deferred maintenance makes this an ideal acquisition for investors seeking stable returns with limited operational risk. Whether you're expanding an existing portfolio or entering the multifamily market, 2605 Redwood Street represents a compelling opportunity to secure a high-performing asset in the new year. No signs on the property, please do not disturb tenants.
#785031

Panama City Beach

2605 Redwood Street

10 Beds

4 Baths

4,432 Sq.Ft.

$1,010,000

MLS#: 785031

NEW CONSTRUCTION to be built in the brand new TAPESTRY PARK PHASE III in Panama City Beach built by Southern Coastal Homes. PICK YOUR DESIGN BOARD! 2 blocks to the beaches of the Gulf of Mexico and beach access #43, close to shopping and dining, and the famous Pier Park. Homeowners will have access to two community pools, lighted sidewalks and green spaces as well as access to tennis courts, basketball courts, and club house. This grand 4/3.5 PALMETTO floorplan is a brand new Southern Contemporary design with old Florida charm and coveted upgrades. INTERIOR features include 10 ft ceilings with 8 foot interior doors, large volume Great Room with an open floor plan, dedicated study/flex room, kitchen with center island, custom cabinetry, walk-in pantry and stainless-steel appliances. The FIRST FLOOR Master Suite has an expansive tiled shower, pedestal tub, double vanity large walk-in closet with direct access to laundry room. The second floor holds 3 well-appointed bedrooms; one with ensuite bathroom and jack-and-Jill layout. EXTERIOR features of this home includes Hardie board siding with beautiful brick rocking porch, double front porches, 8 ft. exterior doors, rear detached garage with alley access and optional outdoor kitchen. Home includes smart lock, tankless gas water heater, energy efficient appliances, dual A/C units and has been expertly designed by our design team.
#784999

Panama City Beach

105 Charleston Court

4 Beds

3 Baths

2,906 Sq.Ft.

$799,000

MLS#: 784999

- property

Send a message

Message successfully sent.

Your message

What is 3 + 4 ?

Reason for contacting?

Sign Out

Virtual Assistant

Would you like to take the next step with this property? We can help you schedule a showing or virtual tour, or send you more details.

Yes, I would like more information.

Thank You for Your Reply, One of Our Agents will contact you as soon as possible

No, maybe later.

Thank you, you can always contact me via email, phone number or through the contact form.

Realhub AI

Lucy - Your AI-Powered Realtor

Update Your Temporary Password

Personalize your search

Enter your email and we'll notify you immediately when new listings match what you're looking for.

or enter email address

Already have an account ? Login here

Continue your home search

Already have an account ? Login here

We use cookies

We use cookies primarily for analytics to enhance your experience. By accepting, you agree to our use of these cookies. You can manage your preferences or learn more about our cookies policy.

Privacy Policy Terms of Service