Privacy Policy

Title Warehouses of America ("Title Warehouses," "we," "us," or "our") respects your privacy and is committed to protecting it through compliance with this Privacy Policy. This Privacy Policy describes the categories of information we collect from and about you when you visit our website, request a quote, engage our title and settlement services, or otherwise communicate with us, how we use that information, the circumstances under which we may share it, and the rights and choices available to you.

This Privacy Policy applies to information collected through our website, by email, by telephone, by text message, and in connection with the services we provide. By accessing our website or providing information to us, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use our website or provide information to us.

We are a licensed title insurance agency and settlement services provider. Because we provide financial services, we are considered a "financial institution" under the federal Gramm-Leach-Bliley Act (GLBA). Section 7 of this Privacy Policy contains the GLBA Privacy Notice required by federal law and describes how we handle Nonpublic Personal Information (NPI). Our SMS-specific practices are described in our SMS Privacy Policy.

1. Information We Collect

We collect the following categories of information about you:

• Identifiers and contact information. Full legal name, mailing and property addresses, email addresses, telephone numbers, and similar contact data.
• Government identifiers. Social Security number, driver license or state identification number, passport number, taxpayer identification number, and similar government-issued identifiers, where required to complete a real estate closing or to comply with applicable law.
• Financial information. Account numbers, wire instructions, loan information, payment card details, mortgage details, payoff amounts, lender information, transaction history, and similar financial data necessary to complete a settlement.
• Transaction and property information. Details of the real estate transaction, including purchase price, parties to the transaction, legal description of the property, prior title history, survey results, and information regarding liens and encumbrances.
• Background and verification information. Information obtained from public records, credit reporting agencies, lenders, real estate professionals, and other third parties, where permitted by law, in order to complete title and closing services and to comply with anti-money-laundering and fraud prevention obligations.
• Technical and device information. IP address, browser type and version, operating system, device identifiers, referring URL, pages viewed, time spent on pages, links clicked, and similar information collected automatically when you visit our website.
• Communication content. Records of your communications with us, including emails, telephone calls (which may be recorded where permitted by law), text messages, web form submissions, and chat sessions.
• Marketing preferences. Your preferences regarding the receipt of marketing communications, including your SMS opt-in status.

We do not knowingly collect sensitive personal information beyond what is necessary to provide our services or to comply with applicable law. We do not knowingly collect information from children under the age of thirteen.

2. Sources of Information

We obtain information from the following sources:

• Directly from you, when you request a quote, complete a form, communicate with us, or engage our services.
• From other parties to your transaction, including buyers, sellers, real estate agents, lenders, mortgage brokers, attorneys, and surveyors.
• From public records, including county recorder offices, court records, and tax assessors.
• From third-party data providers, credit reporting agencies, title underwriters, and other service providers we engage in connection with your transaction.
• Automatically through cookies, web beacons, and similar technologies when you use our website.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, perform, and administer the title insurance, escrow, and closing services you have requested.
• To conduct title searches, prepare title commitments and policies, coordinate with underwriters, and produce closing documents.
• To verify identity, prevent and investigate fraud, and comply with anti-money-laundering, OFAC, and Bank Secrecy Act obligations.
• To process payments, disburse closing funds, and maintain accurate financial and accounting records.
• To respond to your inquiries, provide customer support, and communicate with you about your transaction.
• To send transactional messages, status updates, and required disclosures.
• To send marketing communications where you have consented, with the right to opt out at any time.
• To operate, maintain, and improve our website, including analyzing usage and diagnosing technical issues.
• To comply with our legal, regulatory, and contractual obligations, including obligations to title underwriters, lenders, and regulators.
• To enforce our Terms of Service, protect our legal rights, and defend against claims.
• For any other purpose disclosed to you at the time of collection or to which you consent.

4. Legal Bases for Processing

Where required by law, we process your information on the following legal bases: (a) to perform a contract with you or to take steps to enter into one; (b) to comply with a legal or regulatory obligation; (c) with your consent, which you may withdraw at any time; (d) for our legitimate interests in operating our business, where those interests are not overridden by your rights; or (e) to protect a vital interest.

5. How We Share Information

We do not sell your personal information. We do not share Nonpublic Personal Information about our customers or former customers with non-affiliated third parties except as permitted by law. We may share information in the following circumstances:

• With parties to your transaction. Buyers, sellers, lenders, real estate agents, brokers, attorneys, surveyors, inspectors, and others involved in your transaction, as necessary to complete the closing.
• With title underwriters. We are a duly appointed agent for one or more title insurance underwriters. We share information with the relevant underwriter so that a title insurance commitment and policy may be issued.
• With service providers. Third-party vendors who provide services on our behalf, including document preparation, electronic signature, courier and mailing, accounting, recording, technology, hosting, analytics, communications, and similar services. These providers are bound by contractual obligations to use the information only as directed and to protect it.
• With government and regulatory authorities. When required by law, including responses to subpoenas, court orders, warrants, regulatory examinations, and reports required under the Bank Secrecy Act and similar statutes.
• With affiliates. Our affiliated companies, where permitted by law, for the purposes described in this Privacy Policy.
• In connection with a corporate transaction. A merger, acquisition, financing, reorganization, sale of assets, or similar transaction, in which event information may be transferred to the successor entity, subject to confidentiality protections.
• With your consent or at your direction. Any other sharing for which you have provided consent or direction.

We do not share mobile opt-in or consent information with third parties or affiliates for marketing or promotional purposes. SMS opt-in data is used solely to provide the SMS services to which you have subscribed and is not shared except with our service providers for the purpose of delivering those messages.

6. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies, such as web beacons and pixel tags, to operate and improve the site. Cookies are small data files placed on your device that allow us to recognize your browser, remember your preferences, measure traffic, and analyze how the site is used.

We use the following categories of cookies:

• Strictly necessary cookies. Required for the website to function, including session management and security. These cannot be disabled.
• Analytics cookies. Help us understand how visitors interact with the site so we can improve performance and content.
• Functional cookies. Remember choices you make to enhance your experience.
• Marketing cookies. Used, where you have consented, to deliver advertising that may be relevant to you.

You can control cookies through your browser settings. Most browsers allow you to refuse cookies, delete existing cookies, or alert you before a cookie is placed. Refusing cookies may impair some functionality of our website. Some browsers transmit "Do Not Track" signals. Because there is no industry standard for how to respond to these signals, our website does not currently respond to them, and we treat all visitors consistently with this Privacy Policy.

7. GLBA Privacy Notice

This Section 7 is the privacy notice required by the federal Gramm-Leach-Bliley Act for customers of our title and settlement services.

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include Social Security number and income, account balances and payment history, credit history and credit scores, and property information and transaction details.

How? All financial companies need to share customers' personal information to run their everyday business. We share your personal information for our everyday business purposes, such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, and report to credit bureaus, and you cannot limit this sharing. We share information with our affiliates regarding your transactions and experiences for their everyday business purposes, and you cannot limit this sharing. We share information for our own marketing purposes, and you may limit this sharing as described below. We do not engage in joint marketing with other financial companies. We do not share information about your creditworthiness with our affiliates, do not allow our affiliates to use your information to market to you, and do not share your information with non-affiliates so they can market to you.

To limit our sharing. Contact us using the information in Section 16 and state that you wish to opt out of marketing communications. Your choice will apply to all individuals on a joint account unless you tell us otherwise. Your election remains in effect until you revoke it.

How does Title Warehouses protect my personal information? We protect your personal information from unauthorized access and use by maintaining physical, electronic, and procedural safeguards designed to comply with federal and state law. These safeguards include access controls, encryption of information in transit and at rest where appropriate, employee training, and contractual obligations imposed on our service providers.

How does Title Warehouses collect my personal information? We collect your personal information when you apply for our services or request a quote, provide identification or transaction information, give us your contact information, or enter into a real estate transaction with us. We also collect your personal information from others, such as credit bureaus, affiliates, lenders, real estate professionals, public records, and other parties to your transaction.

Why can't I limit all sharing? Federal law gives you the right to limit only the sharing of information with affiliates for everyday business purposes regarding your creditworthiness, the use of your information by affiliates to market to you, and the sharing of your information with non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.

Definitions. "Affiliates" are companies related by common ownership or control. "Non-affiliates" are companies not related by common ownership or control. Title Warehouses does not share with non-affiliates so they can market to you. "Joint marketing" is a formal agreement between non-affiliated financial companies that together market financial products or services to you. Title Warehouses does not jointly market.

8. Your Rights and Choices

Depending on where you live, you may have the following rights regarding your personal information:

• Right to know and access. Request confirmation that we process your personal information and request a copy of the personal information we hold about you.
• Right to correct. Request correction of inaccurate personal information.
• Right to delete. Request deletion of your personal information, subject to exceptions for information we must retain to comply with legal obligations, to complete a transaction, to prevent fraud, or to exercise legal rights.
• Right to portability. Receive your personal information in a portable, machine-readable format where technically feasible.
• Right to opt out of sale or sharing. We do not sell or share your personal information for cross-context behavioral advertising.
• Right to limit use of sensitive personal information. Where applicable law provides this right, you may request that we limit our use of sensitive personal information to purposes necessary to provide the services you requested.
• Right to non-discrimination. We will not discriminate against you for exercising any of these rights.
• Right to withdraw consent. Where we process your information based on your consent, you may withdraw consent at any time. Withdrawal does not affect processing that occurred before withdrawal.
• Right to appeal. If we deny your request, you may appeal that decision by contacting us using the information in Section 16. We will respond to your appeal within the time required by applicable law.

California residents. If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act, grants you the rights described above. Personal information collected and processed in connection with our title and settlement services is generally exempt from CCPA under the GLBA exemption, but other personal information we collect from California residents is subject to CCPA. We have not sold or shared personal information in the preceding twelve months and do not use or disclose sensitive personal information except for purposes permitted under California law.

Florida residents. If you are a Florida resident, the Florida Digital Bill of Rights may grant you certain rights regarding your personal information. The exemptions and applicability thresholds under that law determine which of these rights apply to us. You may submit a request under that law using the contact information in Section 16, and we will respond as required.

Residents of other states. Residents of other states with comprehensive privacy laws, including but not limited to Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Delaware, Iowa, Indiana, Tennessee, New Hampshire, Nebraska, New Jersey, Minnesota, and Maryland, may have similar rights. Submit your request using the contact information in Section 16 and we will respond as required by your state's law.

9. How to Exercise Your Rights

To submit a rights request, contact us using the information in Section 16. We may need to verify your identity before responding. The verification method will depend on the sensitivity of the information requested and the rights involved, and may include matching information you provide against information in our records or, in some cases, requesting government-issued identification.

You may authorize an agent to submit a request on your behalf. We will require written proof of the agent's authority and may require you to verify your identity directly. We will respond to verifiable requests within the time required by applicable law, typically forty-five days, with one extension permitted where necessary. There is no fee for exercising these rights unless the request is manifestly unfounded, excessive, or repetitive.

10. Data Retention

We retain personal information for as long as needed to (a) provide the services you have requested; (b) complete and maintain records of real estate transactions; (c) comply with our legal, regulatory, accounting, audit, and recordkeeping obligations, including obligations under state title insurance regulations, the Bank Secrecy Act, IRS rules, and underwriter requirements; (d) resolve disputes; and (e) enforce our agreements.

Real estate closing records, title files, and related documents are generally retained for the period required by state law and underwriter guidelines, which is typically a minimum of five to seven years following the closing date and may extend longer where required. When we no longer need personal information, we securely delete or anonymize it.

11. Information Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction. These safeguards include:

• access controls and authentication requirements for personnel;
• encryption of information in transit and, where appropriate, at rest;
• network and endpoint security controls;
• employee training on information security and privacy;
• contractual security requirements imposed on our service providers;
• ongoing assessment of our information security program.

No system is perfectly secure. Despite our safeguards, we cannot guarantee absolute security. If we become aware of a security incident affecting your personal information, we will notify you in accordance with applicable law.

12. Children's Privacy

Our website and services are not directed to children under the age of thirteen, and we do not knowingly collect personal information from children under thirteen. If we learn that we have collected personal information from a child under thirteen, we will delete it. If you believe a child has provided personal information to us, please contact us using the information in Section 16.

13. Third-Party Links and Services

Our website may contain links to third-party websites, including underwriter portals, lender portals, mapping services, and other resources. We are not responsible for the privacy practices or content of those third parties. We encourage you to read the privacy policies of every website you visit.

14. Visitors Outside the United States

Our services are intended for individuals located in the United States and primarily serve customers with real estate located in the State of Florida. If you access our website or provide information to us from outside the United States, you understand that your information will be transferred to, processed, and stored in the United States, where data protection laws may differ from those in your country.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the Last Updated date at the top of this Privacy Policy and, where required by law, provide additional notice. We encourage you to review this Privacy Policy periodically.

16. Contact Us

To exercise any of your rights, ask questions about this Privacy Policy, or report a privacy concern, contact us at: