Privacy Policy

Coastal Title Insurance

Coastal Title Insurance ("we," "our," or "us") values your privacy and is committed to protecting your personal information. This Privacy Policy outlines the types of information we collect, how we use it, and the steps we take to safeguard your information.

What Personal Data Do We Collect?

We collect personal information to provide title insurance services effectively and efficiently. This includes:

  • Identification Data: First name, last name, email address, phone number, and fax number.
  • Transaction Data: Mortgage amount, purchase amount, refinance or purchase details, and CEMA new money information.
  • Property Data: Premises address, district, section, block, lot, and county.
  • Legal Data: Purchaser(s) and their attorney, seller(s) and their attorney, lender or bank, and lender’s attorney.

We ensure that the data we collect is relevant, accurate, and limited to what is necessary to fulfill the purposes outlined in this policy.

How Do We Use Your Personal Data?

We only collect and process personal data for specified, explicit, and legitimate purposes. This includes:

  1. Processing Title Orders: To ensure accurate and timely preparation of title insurance policies and services.
  2. Communicating with Parties: To facilitate communication between buyers, sellers, attorneys, and lenders involved in the transaction.
  3. Complying with Legal Obligations: To adhere to applicable laws, regulations, and contractual requirements.

We do not process your personal data for purposes incompatible with those for which it was originally collected.

To Whom Do We Disclose Your Personal Data?

Recipients to whom we disclose your personal data are carefully chosen. This includes:

  • Service Providers: Third-party vendors and subcontractors assisting with title insurance services (e.g., document preparation and filing).
  • Transaction Stakeholders: Purchasers, sellers, attorneys, and lenders involved in the transaction.
  • Regulatory and Legal Authorities: To comply with legal obligations, court orders, or government regulations.

We do not sell or rent your personal data to third parties.

How Do We Protect Your Personal Data?

We implement robust technical and organizational security measures to protect your data against unauthorized access, loss, alteration, or misuse. These measures include:

  • Secure data storage systems and encryption protocols.
  • Restricted access to sensitive information to authorized personnel only.
  • Regular monitoring and audits of our systems and processes.

While we strive to protect your data, no method of transmission over the internet or electronic storage is completely secure.

Retention Periods for Your Personal Data

We retain your personal data only for as long as necessary to fulfill the purposes outlined above, or as required by law.

  • Information submitted through our Order a Title form will be stored until the transaction is completed and for any legally mandated retention period thereafter.
  • When no longer required, your data will be securely archived, anonymized, or deleted.

Your Rights and How to Exercise Them

In accordance with applicable data protection laws, you have the following rights:

  1. Right of Access: To request details of the personal data we hold about you.
  2. Right to Rectification: To request corrections to inaccurate or incomplete data.
  3. Right to Erasure: To request deletion of your personal data under certain circumstances.
  4. Right to Restriction: To request limitations on the processing of your data.
  5. Right to Object: To object to certain data processing activities.
  6. Right to Data Portability: To request transfer of your data to another party.