Fort Lauderdale Luxury & Waterfront Homes
One of the most popular communities provided by {{page_data.agentName}}

The Most Exclusive Country Club Communities in South Florida

One of the most popular communities provided by Perfect Properties of Florida Real Estate

The Most Exclusive Country Club Communities in South Florida

About The Most Exclusive Country Club Communities in South Florida

Ultra-Luxury Golf and Country Club Living from Key Largo to Jupiter

South Florida is home to some of the most prestigious and exclusive country club communities in the United States. From private island golf enclaves in Miami to world-class golf estates in Boca Raton, Palm Beach Gardens, and Jupiter, these communities offer a lifestyle defined by luxury, privacy, championship golf, and extraordinary amenities.

Luxury country club communities throughout South Florida attract buyers seeking gated security, resort-style amenities, waterfront estates, marina access, and elite private club memberships. Many of these communities feature estate homes valued from several million dollars to well over $50 million, making them some of the most desirable residential environments in the country.

Whether a buyer is searching for championship golf, deepwater boating access, private beaches, or an active social club environment, South Florida offers a remarkable collection of luxury country club communities that combine lifestyle and real estate investment.

Below is a comprehensive guide to the most exclusive country club communities in South Florida, spanning from Key Largo through Miami, Boca Raton, Palm Beach Gardens, and Jupiter.

Luxury Country Club Communities in Miami and the Florida Keys

Indian Creek Country Club

Indian Creek Island, Miami

Indian Creek Country Club is widely regarded as one of the most exclusive residential communities in the world. Located on a private island in Miami, the community contains approximately forty estate homes surrounding a championship golf course.

The island is accessible only by a guarded bridge and maintains its own private police department, providing an exceptional level of privacy and security.

Community Highlights

Private island community with extremely limited homes

Championship golf course occupying most of the island

Private security and police department

Waterfront estate properties with large lots

Luxury Real Estate

Indian Creek homes are among the most valuable in South Florida, with properties frequently selling for $30 million to more than $100 million.

Lifestyle

Residents enjoy extraordinary privacy while remaining minutes from Bal Harbour Shops, Miami Beach, and world-class dining.

Fisher Island Club

Miami Beach

Fisher Island Club is one of the most prestigious private club communities in South Florida. Accessible only by ferry, yacht, or helicopter, the island provides a secluded luxury lifestyle just minutes from Miami Beach.

Community Highlights

Private island access

Championship golf course

Private beach club

Luxury marina and yacht facilities

World-class tennis center

Spa and wellness facilities

Luxury Real Estate

Luxury condominiums and waterfront residences typically range from $3 million to over $40 million.

Lifestyle

Residents enjoy a resort-style lifestyle with concierge services, private beaches, and exceptional amenities.

Ocean Reef Club

Key Largo

Ocean Reef Club is one of the most unique private club communities in the United States. Located in Key Largo, the community spans over 2,500 acres and offers a fully private lifestyle centered around golf, boating, and social experiences.

Community Highlights

Two championship golf courses

Private airport

Deepwater marina

Private beach club

Multiple restaurants and social venues

Tennis and fitness facilities

Luxury Real Estate

Ocean Reef homes typically range from $3 million to more than $20 million depending on waterfront access and location.

Lifestyle

Residents enjoy a private resort environment featuring boating, fishing, golf, and a vibrant social club atmosphere.

Exclusive Country Club Communities in Boca Raton and Delray Beach

Royal Palm Yacht & Country Club

Boca Raton

Royal Palm Yacht & Country Club is one of Boca Raton’s most prestigious residential communities, combining luxury golf living with deepwater yacht access.

Community Highlights

Jack Nicklaus signature golf course

Private yacht basin marina

Luxury clubhouse

Deepwater dockage for large vessels

Luxury Real Estate

Luxury estates typically range from $5 million to more than $40 million.

Lifestyle

Residents enjoy a prestigious Boca Raton address just minutes from beaches, Mizner Park, and luxury shopping.

St Andrews Country Club

Boca Raton

St Andrews Country Club is widely considered one of the premier private club communities in Boca Raton.

Community Highlights

36 holes of championship golf

Luxury clubhouse and spa

Extensive tennis facilities

Fine dining and social events

Luxury Real Estate

Homes typically range from $2 million to $15 million.

Addison Reserve Country Club

Delray Beach

Addison Reserve is one of the most respected private country club communities in South Florida and has received numerous national awards for its amenities and service.

Community Highlights

27 holes of championship golf

Luxury clubhouse and spa

Tennis complex and fitness center

Luxury Real Estate

Homes typically range from $1.5 million to $8 million.

Boca West Country Club

Boca Raton

Boca West Country Club is one of the largest and most well-known private club communities in South Florida.

Community Highlights

Four championship golf courses

Massive clubhouse and spa

Extensive tennis and fitness facilities

Luxury Real Estate

Homes range from approximately $700,000 to over $6 million.

Broken Sound Club

Boca Raton

Broken Sound Club is known for its active luxury lifestyle and high-end amenities.

Community Highlights

Two championship golf courses

Luxury clubhouse and wellness facilities

Tennis and pickleball center

Luxury Real Estate

Homes typically range from $1 million to $5 million.

Luxury Golf Communities in Palm Beach Gardens

Old Palm Golf Club

Palm Beach Gardens

Old Palm Golf Club is one of the most luxurious golf communities in Palm Beach County and is known for its concierge-level service and world-class practice facilities.

Community Highlights

Raymond Floyd designed golf course

Luxury clubhouse and spa

State-of-the-art practice facilities

Luxury Real Estate

Homes typically range from $4 million to $20 million.

Frenchman’s Creek Beach & Country Club

Palm Beach Gardens

Frenchman’s Creek is unique because it offers both a private golf club and a private beach club.

Community Highlights

Two championship golf courses

Private beach club

Luxury clubhouse

Tennis and wellness facilities

Luxury Real Estate

Homes typically range from $2 million to $10 million.

Mirasol Country Club

Palm Beach Gardens

Mirasol Country Club is one of the most desirable golf communities in Palm Beach Gardens.

Community Highlights

Two championship golf courses

Luxury clubhouse and spa

Tennis and fitness complex

Luxury Real Estate

Homes typically range from $1.5 million to $7 million.

BallenIsles Country Club

Palm Beach Gardens

BallenIsles is a well-established luxury club community with a rich golf tradition.

Community Highlights

Three championship golf courses

Luxury clubhouse and spa

Extensive tennis facilities

Luxury Real Estate

Homes typically range from $1 million to $6 million.

Exclusive Golf Communities in Jupiter

The Bear’s Club

Jupiter

Founded by golf legend Jack Nicklaus, The Bear’s Club is one of the most prestigious golf communities in the United States.

Community Highlights

Jack Nicklaus signature golf course

Ultra-private membership

Luxury clubhouse

Large estate homes

Luxury Real Estate

Homes often range from $10 million to $30 million.

Admirals Cove

Jupiter

Admirals Cove is one of Jupiter’s most desirable luxury communities.

Community Highlights

45 holes of championship golf

Private marina

Luxury waterfront estates

Jupiter Hills Club

Tequesta

Jupiter Hills Club is one of the most respected private golf clubs in Florida.

Community Highlights

Two championship golf courses

Extremely private membership

Classic clubhouse

The Loxahatchee Club

Jupiter

The Loxahatchee Club is a boutique golf community centered around a Jack Nicklaus Signature golf course.

Jonathan’s Landing

Jupiter

Jonathan’s Landing is one of Jupiter’s most established private club communities.

Jupiter Country Club

Jupiter

Jupiter Country Club is a luxury golf community built around a Greg Norman signature golf course.

Why Buyers Choose Country Club Communities in South Florida

Luxury country club communities offer far more than golf.

Privacy and Security

Most communities feature gated access and private security.

Championship Golf

Many courses were designed by legendary architects including Jack Nicklaus, Tom Fazio, Greg Norman, and Raymond Floyd.

Resort-Style Amenities

Luxury clubhouses, spas, fitness centers, tennis facilities, and fine dining create a full resort lifestyle.

Waterfront Living

Several communities combine golf with deepwater marina access.

Strong Property Values

Limited inventory and strong demand support long-term property appreciation.

Frequently Asked Questions About Luxury Country Club Communities

What are the most exclusive country club communities in South Florida?

Some of the most exclusive communities include Indian Creek Country Club, Fisher Island Club, Ocean Reef Club, The Bear’s Club, Royal Palm Yacht & Country Club, Sailfish Point, Jupiter Hills Club, and Old Palm Golf Club.

Which South Florida communities offer golf and boating?

Admirals Cove, Sailfish Point, Ocean Reef Club, Fisher Island, and Royal Palm Yacht & Country Club offer both golf and marina access.

What are the most prestigious country club communities in Palm Beach County?

The Bear’s Club, Old Palm Golf Club, Admirals Cove, Frenchman’s Creek, Loxahatchee Club, Mirasol, and BallenIsles are among the most prestigious.

Explore Luxury Country Club Homes in South Florida

South Florida’s luxury country club communities offer some of the most prestigious residential environments in the United States.

From the ultra-exclusive estates of Indian Creek and Fisher Island to the legendary golf communities of Palm Beach Gardens and Jupiter, South Florida offers extraordinary options for buyers seeking private club lifestyles.

Working with an experienced South Florida luxury broker can help buyers navigate club memberships, community culture, and real estate opportunities that are often not publicly marketed.

One of the most popular communities provided by Perfect Properties of Florida Real Estate
26,862
# of Listings
2
Avg # of Bedrooms
$573
Avg. $ / Sq.Ft.
$1,329,516
Med. List Price

Browse The Most Exclusive Country Club Communities in South Florida Real Estate Listings

All listings

Under $250,000

$250,000 - $500,000

$500,000 - $1M

$1M - $3M

$3M - $5M

Over $5M

7710 Properties Found. Page 130 of 514.

Pre-construction opportunity to own a thoughtfully designed new home in a quiet, well-located neighborhood near the Miami-Dade and Broward County line. Estimated completion in a few months, offering early buyers the advantage of customizing select finishes and equipment to suit their style. This 3-bedroom, 2-bath residence (approx. 1,800 SF) features a bright open-concept layout with 9-foot ceilings and abundant natural light, creating a modern and comfortable living environment. The kitchen and living areas are designed for both everyday living and entertaining, complemented by contemporary cabinetry and modern appliances. Built with quality and resilience in mind, the home includes impact-resistant windows, a durable metal roof, and elevated construction meeting current flood regulations—providing peace of mind and long-term value. Enhanced insulation and all-new systems contribute to energy efficiency, lower maintenance, and potential insurance savings. A covered rear porch extends the living space outdoors, ideal for enjoying South Florida’s lifestyle, while the low-maintenance lot offers ease and practicality without the burden of extensive yard upkeep. No HOA. Strategically located just minutes from I-95 and approximately 10 minutes to the beach, combining tranquility with excellent connectivity. Ideal for first-time buyers, investors, or seasonal (snowbird) living. Renders and floor plans are for illustrative purposes only. Listing agent has ownership interest in the selling entity.
#A11996937

Hallandale Beach

235 SW 4th St

3 Beds

2 Baths

N/A

$799,000

MLS#: A11996937

New on site 2 days ago
Discover this beautifully updated 4-bedroom, 3-bath pool home featuring a den and an additional Florida room that can easily be combined with a bedroom to create a private in-law quarter—perfect for multigenerational living or guest accommodations. This home offers peace of mind with a 3-year-old roof and impact windows and doors throughout, providing storm protection and energy efficiency. Inside, you’ll find remodeled kitchens and bathrooms showcasing modern finishes, quality craftsmanship, and a fresh, move-in-ready feel. The spacious layout flows seamlessly to the outdoor oasis, where a sparkling pool and covered patio create the ideal setting for entertaining or relaxing. With flexible living spaces, thoughtful upgrades, and a prime Florida lifestyle feel, this property is ready to welcome its next owner. In Addition this home has No Homeowners Association.
#A12067360

Hialeah

1316 W 61st Pl

4 Beds

3 Baths

2,137 Sq.Ft.

$799,000

MLS#: A12067360

Price reduced
Welcome to your next chapter in Kendall’s highly desirable Winston Park community! This beautifully updated 4-bedroom, 2-bathroom single-family pool home seamlessly blends modern luxury with everyday functionality. Head inside to find a thoughtfully designed split floor plan featuring a spacious living room, a formal dining area perfect for gatherings, and a stylish kitchen complete with crisp granite countertops, modern cabinetry, and stainless steel appliances. Rest easy knowing the home is equipped with impact windows and doors throughout, along with a new AC, water pump, condenser (2026), Hot Water Heater (2016), and Roof (2017). Outside, the property sits on a prime corner lot featuring a brand-new privacy fence enclosing your own personal backyard oasis and a heated saltwater pool. A 1-car garage and double-wide driveway provide ample parking. Residents enjoy fantastic community amenities including a clubhouse, pool, tennis courts, and scenic paths. You are minutes from top-rated public schools, excellent shopping, dining, and major expressways!
#A12032102

Miami

13391 SW 78th St

4 Beds

2 Baths

1,684 Sq.Ft.

$799,000

MLS#: A12032102

SPECTACULAR PANORAMIC VIEWS FROM THIS HIGH FLOOR FULLY RENOVATED CONTEMPORARY HOME IN THE SKY FEATURING 36" PORCELAIN TILE FLOORS THROUGHOUT, MODERN KITCHEN W/STAINLESS STEEL APPLIANCES, WALK IN CLOSETS, EXTRA LARGE PRIMARY BEDROOM WITH PRIVATE BALCONY, & UPDATED BATHROOMS. READY TO MOVE IN!! LIVE IN PRESTIGIOUS WILLIAMS ISLAND WITH FULL AMENITIES: 15 TENNIS COURTS, 4 PICKLE BALL COURTS, 3 RESTAURANTS, STATE OF THE ART SPA, MARINA, WALK/JOG PATH, KIDS PLAYGROUND, COURTESY BUS, WALK TO HOUSES OF WORSHIP AND SO MUCH MORE....
#A11733378

Aventura

1000 Island Blvd 2003

3 Beds

3 Baths

1,840 Sq.Ft.

$799,000

MLS#: A11733378

Investor opportunity at The Crosby Miami—new construction condo in the heart of Downtown Miami within Miami Worldcenter, one of the largest urban developments in the U.S. This fully furnished, turnkey Airbnb-friendly corner unit offers 2 bedrooms, 2 full baths, Bosch appliances, in-unit washer & dryer, and a sleeper sofa for added flexibility. Designed for modern living, the building features resort-style amenities including wellness rooms, coworking lounges, and skyline-view social spaces. Ideal for short-term rentals or income-producing investment property. Prime location just steps to Kaseya Center, Brightline, Brickell, Wynwood, Bayfront Park, world-class dining, shopping, and entertainment. High-demand rental location with strong income potential in Miami’s fastest-growing urban core.
#A11975877

Miami

11 NE 6th St 407

2 Beds

2 Baths

810 Sq.Ft.

$799,000

MLS#: A11975877

Waterfront location, this beautifully designed residence offers spacious living, high-end finishes, and resort-style amenities. Whether you're looking for a serene retreat or a vibrant seaside lifestyle, this condo delivers unparalleled comfort and sophistication. 2Bd 2Bth with captivating SE facing ocean views. This expansive unit on the 3rd floor showcases panoramic views of the ocean and the newly constructed pool. Floor to ceiling impact windows and doors accompany the sleek glass balcony. Ample closet storage throughout, plus one deeded garage parking space for added convenience
#A11976561

Fort Lauderdale

4100 Galt Ocean Dr 307

2 Beds

2 Baths

1,770 Sq.Ft.

$799,000

MLS#: A11976561

An exceptional opportunity to own 20 acres in Martin County Ranches, a private rural community where space, privacy, and possibility define the lifestyle. This expansive property offers the perfect setting to build a custom home tailored to your vision—whether a peaceful country estate, family retreat, or hobby farm. Enjoy wide-open skies, quiet mornings, and the freedom to live without the congestion of city living. With ample room for animals, gardens, workshops, or future expansion, this land invites you to create something truly personal. Rare acreage offering flexibility, tranquility, and long-term value—bring your dreams, your plans, and build a legacy that lasts.
#A11944579

Okeechobee

25750 SW Jockeys Run

None Beds

None Baths

20.0 acres

$799,000

MLS#: A11944579

A lovely low maintenance single family home, with a resort backyard setting with a pool and lake view to relax and enjoy all while embracing the exotic lush landscaping from the comforts of this established community known as the Hammocks. Spectacular park within miles of lake. Has 4 bedrooms, 2-1/2 baths, plus a studio. Large eat-in kitchen with 2-car garage. *Owner request (1) month post occupancy* Please see broker remarks for showing instructions.
#A12015661

Miami

10135 SW 156th Ave

4 Beds

2 Baths

2,243 Sq.Ft.

$799,000

MLS#: A12015661

Views! Views! Views! Experience breathtaking views from this rarely available gem in luxurious Turnberry North Tower. Direct Ocean and Intracoastal views from 2 Expansive glass terraces off of living room and master bedroom. This rarely available "H" unit, 2 BD. 2Bth. 1904 Sq. Ft. offers an unparalleled lifestyle. Very spacious floor plan. Amenities include heated pool with pool service for year round relaxation, on site restaurant for ultimate convenience, theater room, children's playroom for entertainment and relaxation, 24 hour security and valet service for comfort and peace of mind, gym and free fitness classes including Zumba, Yoga and Water Aerobics. Don't miss this rare opportunity to own a piece of paradise in your own backyard. Close to fine dining, great shopping, house of worship and both international airports.
#A12033935

Aventura

19707 Turnberry Way 20H

2 Beds

2 Baths

1,904 Sq.Ft.

$799,000

MLS#: A12033935

Pre-construction! Ready to move in Q4 2026 - Q1 2027. Brand new construction single-family home. Lucky Start South proudly presents the Sky Model, a thoughtfully designed 5-bedroom, 4.5-bathroom home in Sunrise Estates, conveniently located just off Exit 6 of the Florida Turnpike. Enjoy an open-concept living and dining area, plus an independently accessible ground-floor suite with bedroom and full bath—ideal for multigenerational living, guests,or a private office. Upstairs offers a spacious primary suite, three additional bedrooms, and a two additional bathrooms. With a comprehensive layout and quality finishes, the Star Model delivers both comfort and functionality. Sunrise Estates is a growing community offering convenience, connection, and a sense of home.Don’t miss this opportunity to own brand-new construction in a prime location. Please Note interior photos shown are from previously built model, finishes and dimensions may vary.
#A11951159

Homestead

13355 SW 272nd Ln

5 Beds

4 Baths

2,971 Sq.Ft.

$799,000

MLS#: A11951159

Charming 1950s gem located on a quiet street in a prime residential area of Hollywood. This impeccably maintained 3-Bed, 2-Bath home radiates authentic mid-century character and a unique "soul" that you must see to believe. The highlight is the beautiful, lushly landscaped Backyard featuring a signature "peanut-shaped" pool—perfect for quiet evenings or entertaining under the stars. A true sanctuary for those seeking style and serenity. You should see it! "Perfect 'Value Play' for buyers who prioritize atmosphere over cookie-cutter renovations. The yard alone is a masterpiece of privacy and charm."
#A11958388

Hollywood

3 Beds

2 Baths

1,000 Sq.Ft.

$799,000

MLS#: A11958388

High-visibility corner commercial building located at the intersection of NW 7th Avenue and NW 48th Street. This free-standing, move-in-ready property is partially furnished and thoughtfully configured for professional use, featuring seven private offices plus a conference room, ideal for meetings or collaborative work areas. The interior also includes a full kitchen, one full bathroom, and a powder room, as well as a walk-in closet equipped with a washer and dryer. The property is equipped with a fully integrated security system, including surveillance cameras and an intercom-controlled access system for added safety and convenience. It also offers private on-site parking, providing convenient access for staff and visitors. Just minutes from I-95 and I-195, this location benefits from strong daily traffic and excellent exposure, making it well suited for a variety of professional or creative businesses. Centrally located in Miami’s urban core, the property is surrounded by several of the city’s most dynamic neighborhoods, including Wynwood, the Miami Design District, Little Haiti, and the MiMo Historic District, all known for their thriving arts scenes, acclaimed restaurants, boutique retailers, active nightlife, and cultural destinations. With convenient access to Downtown Miami and major highways, this property presents an excellent opportunity for businesses seeking a central location with strong visibility and accessibility.
#A12006244

Miami

4885 NW 7th Ave

None Beds

None Baths

2,297 Sq.Ft.

$799,000

MLS#: A12006244

Wonderful opportunity to live in the Manatee Pocket! Enjoy two homes on one property, giving you options to live in one, rent out the other or enjoy having a guest house! The main home offers two bedrooms and two bathrooms and was built in 2003. It is 1,498 square feet and is located in the back of the property. The guest cottage offers two bedrooms and one bathroom and was built in 1955. It is 891 square feet and has old Florida charm to it! The Cottage has been a successful short term vacation rental for 8 years. The property has been zero scaped and has an extra long boat/RV friendly driveway. The homes are are being sold furnished (via separate bill of sale) and As Is . Enjoy living in close proximity to the water with no need to drive to 6+ restaurants!
#A12031807

Stuart

4225 SE Westfield St

4 Beds

3 Baths

2,389 Sq.Ft.

$799,000

MLS#: A12031807

Stunning fully remodeled single-family home in the heart of Hollywood Hills, featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and a private pool. This residence has been upgraded with brand-new impact windows and doors, a NEW 2026 ROOF (with Certificate of Completion), and modern finishes throughout. The interior offers a bright, open layout with a contemporary kitchen, sleek bathrooms, and elegant flooring. The outdoor area is a true retreat—perfect for entertaining, relaxing, or enjoying year-round Florida living. Located on a spacious 9,000+ sq ft lot in one of Hollywood’s most desirable neighborhoods. Move-in ready and built for long-term peace of mind.
#A12042751

Hollywood

5300 Adams St

3 Beds

2 Baths

1,879 Sq.Ft.

$799,000

MLS#: A12042751

Must-See Duplex in the Heart of Westchester This unique and centrally located duplex offers incredible potential in the highly desirable Westchester area — just minutes from supermarkets, schools, and public transportation. Property Features: Main Unit: 1 bed / 1 bath Second Unit: Can be configured as a 1 bed / 1 bath or a 2 bed / 1 bath Third Unit: 1 bed / 1 bath, summer kitchen and plenty of parking Impact windows and doors Second and third units fully updated Important Note: The property has open permits and existing code violations that will be assumed by the buyer. Great opportunity for investors or buyers looking to customize and capitalize on a multi-unit property in a prime location. REDUCED REDUCED REDUCED CASH ONLY
#A11852709

Miami

9311 SW 37th St

None Beds

None Baths

2,106 Sq.Ft.

$799,000

MLS#: A11852709

1 ... 128 129 130 131 132 ... 514
Buyers resources
7 Reasons to Work with a Realtor
7 Principles For Home Buying Success
Getting a Mortgage To Buy a Home
Home Hazards Awareness
Key Items For Home Inspection
Questions When Buying a Condo
Questions When Choosing a Realtor
Sellers resources
8 Reasons to Work with a Realtor
Calculating Capital Gains
Checklist for Better Showing
Cleaning Home For Sale
Improving Odds Of an Offer
Preparing Home for photoshoot
Selling Your Home for More $$

properties found. properties found. Page of .

- property

Send a message

Message successfully sent.

Your message

What is 3 + 4 ?

Reason for contacting?

I agree to receive email communication and understand I can unsubscribe at any time.

I agree to be contacted by Perfect Properties of Florida Real Estate via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

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

I agree to receive communications and understand I can unsubscribe at any time.

I agree to be contacted by Perfect Properties of Florida Real Estate via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

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