Privacy Policy
1. Introduction
Premier Title Solutions LLC, a Florida limited liability company doing business as Premier Title Solutions ("Premier Title Solutions," "we," "us," or "our"), respects the privacy of the individuals and businesses we serve. This Privacy Policy explains how we collect, use, share, and protect information in connection with our title insurance, escrow, and real estate settlement services, and in connection with your use of our website at mypremiertitle.com (the "Site").
As a title insurance agency, we are a financial institution under the federal Gramm-Leach-Bliley Act ("GLBA"). Our collection, use, and disclosure of nonpublic personal information about individuals who obtain our services primarily for personal, family, or household purposes is governed by the GLBA and its implementing regulations. This Privacy Policy is intended to serve as our privacy notice under those requirements, as well as to describe our general information practices.
Please read this Privacy Policy carefully. By using the Site or by providing information to us in connection with a transaction, you acknowledge that you have read and understand this Privacy Policy.
2. Scope of This Policy
This Privacy Policy applies to:
- Information collected through the Site, including through our contact, quote request, and order forms;
- Information collected in the course of providing title, escrow, closing, and settlement services;
- Information collected by telephone, email, text message, or in person in connection with our services.
This Privacy Policy does not apply to the information practices of third parties, including lenders, real estate brokerages, underwriters, surveyors, or other settlement service providers, even where we exchange information with them in connection with your transaction. Those parties maintain their own privacy policies and practices.
3. Information We Collect
The categories of information we collect depend on the nature of your relationship with us and the services being provided.
3.1 Information You Provide to Us
- Identifying information: name, mailing address, email address, telephone number, and date of birth.
- Government identifiers: Social Security number or individual taxpayer identification number, driver license or passport information, and, where applicable, entity taxpayer identification numbers.
- Transaction information: property address, purchase price, loan amount, contract terms, closing date, and the identities of other parties to the transaction.
- Financial information: bank account and routing information for the disbursement or receipt of funds, wire instructions, payoff information, income or asset information where required, and information necessary to prepare settlement statements.
- Entity and trust information: organizational documents, operating agreements, trust instruments, authorizing resolutions, and beneficial ownership information where required by law or by our underwriter.
- Communications: the content of emails, text messages, form submissions, and notes from telephone calls or meetings with our staff.
3.2 Information We Obtain From Other Sources
- Public records: deeds, mortgages, liens, judgments, plats, permits, code enforcement records, probate records, and tax records obtained in the course of title searches and examinations.
- Third parties to your transaction: information provided by real estate agents, brokers, lenders, mortgage brokers, attorneys, surveyors, condominium and homeowners associations, and other settlement service providers.
- Service providers and vendors: information from search vendors, lien search providers, examiners, notaries, and our title production and closing platforms.
- Screening sources: information obtained to comply with anti-money laundering, sanctions screening, and other legal or underwriting requirements.
3.3 Information Collected Automatically Through the Site
When you visit the Site, our web server and related technologies may automatically collect:
- IP address and general geographic location derived from it;
- Browser type, operating system, and device type;
- Pages viewed, time spent on pages, and referring or exit pages;
- The date and time of your visit;
- Marketing campaign parameters contained in the URL you arrive through.
We use cookies and similar technologies for the basic operation of the Site and to understand how visitors use it. Most browsers allow you to refuse or delete cookies. Disabling cookies may affect the functionality of certain parts of the Site.
Third-party analytics and tracking. We do not use third-party web analytics services, advertising pixels, retargeting tags, or session recording tools on the Site. The automatic information described above is collected by our own web server and is used only to operate and maintain the Site.
If we adopt a third-party analytics service in the future, we will update this Privacy Policy to identify the service, describe the information it collects, and explain the choices available to you before that service is placed in use.
3.4 Do Not Track
Some browsers transmit a "Do Not Track" signal. There is no common industry standard for how such signals should be interpreted. The Site does not currently respond to Do Not Track signals.
4. How We Use Information
We use the information we collect to:
- Search, examine, and clear title to real property;
- Issue title commitments, title insurance policies, and endorsements through our underwriter;
- Receive, hold, and disburse funds in escrow;
- Prepare settlement statements, closing disclosures, deeds, affidavits, and other closing documents;
- Coordinate with lenders, agents, attorneys, associations, and other parties to your transaction;
- Record documents in the applicable county public records;
- Respond to quote requests, inquiries, and service requests;
- Communicate with you about the status of your transaction;
- Comply with applicable federal and state laws, including anti-money laundering, sanctions screening, tax reporting, and recordkeeping requirements;
- Detect, investigate, and prevent fraud, including wire fraud and identity theft;
- Maintain and improve the Site and our services;
- Establish, exercise, or defend legal claims.
We do not sell information about our customers. We do not share customer information with unaffiliated third parties for their own independent marketing purposes.
6. Information Security
We maintain an information security program with administrative, technical, and physical safeguards designed to protect the security, confidentiality, and integrity of nonpublic personal information, consistent with the requirements applicable to title insurance agencies under the GLBA Safeguards Rule and applicable Florida law.
These measures include restricting access to information to employees and service providers who need it to perform their duties, secure handling of funds and wire instructions, verification procedures for payment instructions, and secure storage and disposal of records.
No method of transmission over the internet and no method of electronic storage is completely secure. While we work to protect the information entrusted to us, we cannot guarantee absolute security. Do not send Social Security numbers, bank account numbers, wire instructions, or other sensitive information to us by unsecured email. Contact our office at (305) 605-3931 to arrange a secure method of transmission.
7. Wire Fraud Warning
Real estate transactions are a frequent target of wire fraud. Criminals monitor email accounts and send fraudulent wire instructions that appear to come from a title company, real estate agent, lender, or attorney.
Before transmitting any funds, call our office directly at (305) 605-3931 using a telephone number you have independently verified, and confirm the wire instructions verbally with a person you know. Do not rely on a telephone number contained in an email. Treat any email that changes, updates, or corrects previously provided wire instructions as fraudulent until you have confirmed it by telephone.
Premier Title Solutions will not be responsible for funds transmitted to an account other than one confirmed through this verification process. See our Terms of Use for additional provisions relating to wire fraud.
8. Text Messages
If you provide your telephone number and affirmatively consent by checking the applicable box on one of our forms, we may send you text messages regarding your inquiry, quote request, or transaction. Consent to receive text messages is not a condition of obtaining any product or service from us.
Message frequency varies. Message and data rates may apply. You may opt out at any time by replying STOP to any message, and you may request help by replying HELP. We retain records of consent and opt-out requests as required by applicable law, including the federal Telephone Consumer Protection Act and the Florida Telephone Solicitation Act.
9. Data Retention
We retain records relating to title and escrow transactions for the period required by applicable law, by our underwriter's requirements, and by our own records retention schedule, and for so long as necessary to establish, exercise, or defend legal claims. Florida law imposes specific record retention obligations on title insurance agencies with respect to escrow and closing records. Records are securely destroyed at the end of the applicable retention period.
10. Your Choices and Rights
- Access and correction. You may request access to the information we hold about you in connection with a transaction, and may ask us to correct information that is inaccurate. Contact us using the information in Section 15. We may need to verify your identity before responding, and some information may be subject to legal or underwriting restrictions on disclosure.
- Marketing communications. If you receive marketing emails from us, you may unsubscribe using the link in any such message. You may opt out of text messages as described in Section 8. We will continue to send communications necessary to service an open transaction.
- Cookies. You may control cookies through your browser settings.
Because we are subject to the GLBA, much of the information we hold is exempt from certain state privacy laws. The Florida Digital Bill of Rights applies only to entities meeting revenue thresholds that we do not meet, and does not apply to us. If a state privacy law becomes applicable to us, we will update this Privacy Policy accordingly.
11. Notification of a Security Breach
In the event of a breach of security involving personal information, we will provide notice to affected individuals and to governmental authorities as and when required by the Florida Information Protection Act, Section 501.171, Florida Statutes, and any other applicable law.
12. Children's Privacy
The Site is intended for adults and is not directed to children. We do not knowingly collect personal information from children under the age of 13 through the Site. If you believe a child has provided information to us through the Site, please contact us so that we can delete it.
13. Third-Party Links
The Site may contain links to websites operated by third parties, including lenders, real estate professionals, our underwriter, and social media platforms. We are not responsible for the privacy practices or content of any third-party website. We encourage you to review the privacy policy of any site you visit.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The revised version will be posted on this page with an updated "Last Updated" date. Where required by law, we will provide additional notice of material changes. Your continued use of the Site or our services after the revised policy is posted constitutes acceptance of the changes.
15. Contact Us
If you have questions about this Privacy Policy or about how we handle your information, please contact us:
Telephone: (305) 605-3931 Email: assistant@mypremiertitle.com
Florida limited liability company, document number L25000059425.