Privacy Policy

1. Introduction

Title Platform ("Title Platform," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website at titleplatform.com, use our web application, mobile applications, or any other services we provide (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with our policies and practices, please do not use our Services.

2. Information We Collect

2.1 Information You Provide to Us

We collect information you voluntarily provide when you:

• Create an Account: Name, email address, phone number, company name, job title, and password
• Subscribe to Our Services: Billing address, payment card information (processed securely by our payment processor)
• Use Our Calculators: Property addresses, transaction amounts, loan details, and other information you enter into our tools
• Contact Us: Any information you provide when you contact our support team, submit forms, or communicate with us
• Add Team Members: Names, email addresses, and roles of realtors, mortgage brokers, or other team members you invite to your organization

2.2 Information Collected Automatically

When you access our Services, we automatically collect certain information, including:

• Device Information: Device type, operating system, unique device identifiers, browser type and version
• Usage Information: Pages viewed, features used, time spent on pages, click patterns, and navigation paths
• Log Data: IP address, access times, referring URLs, and error logs
• Location Information: General geographic location based on IP address

2.3 Information from Third Parties

We may receive information about you from third parties, including:

• Business partners who refer you to our Services
• Payment processors regarding transaction status
• Analytics providers regarding your use of our Services

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our Services
• Process transactions and manage your subscription
• Create and manage your account
• Generate closing cost estimates, net sheets, and other calculations
• Enable collaboration between you and your team members
• Send you technical notices, updates, security alerts, and support messages
• Respond to your comments, questions, and customer service requests
• Send promotional communications (with your consent, which you may withdraw at any time)
• Monitor and analyze trends, usage, and activities to improve our Services
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Personalize and improve your experience
• Comply with legal obligations

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and track information about your use of our Services. Cookies are small data files stored on your device.

4.1 Types of Cookies We Use

• Essential Cookies: Required for the operation of our Services. They enable core functionality such as security, account access, and remembering your preferences.
• Functional Cookies: Allow us to remember choices you make (such as your language preference) and provide enhanced, personalized features.
• Analytics Cookies: Help us understand how visitors interact with our Services by collecting and reporting information anonymously.

4.2 Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses cookies to help us analyze how users interact with our Services. The information generated by the cookie about your use of our website (including your IP address) will be transmitted to and stored by Google on servers in the United States.

Google will use this information for the purpose of evaluating your use of our Services, compiling reports on website activity, and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required by law, or where such third parties process the information on Google's behalf.

You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on, available at: https://tools.google.com/dlpage/gaoptout

For more information on Google's privacy practices, please visit: https://policies.google.com/privacy

4.3 Managing Cookies

Most web browsers are set to accept cookies by default. You can usually modify your browser settings to decline cookies or alert you when cookies are being sent. Please note that if you disable cookies, some features of our Services may not function properly.

5. Information Sharing and Disclosure

We may share your information in the following circumstances:

5.1 Service Providers

We share information with third-party vendors, consultants, and service providers who perform services on our behalf, such as:

• Cloud hosting and infrastructure providers
• Payment processors
• Email service providers
• Analytics providers
• Customer support tools

These service providers are contractually obligated to use your information only for the purposes of providing services to us and in accordance with this Privacy Policy.

5.2 Within Your Organization

If you are part of an organization using our Services, your information (including calculations you create) may be visible to other authorized members of your organization, such as administrators, realtors, or mortgage brokers you have added to your team.

5.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency), including to:

• Comply with a legal obligation
• Protect and defend our rights or property
• Prevent or investigate possible wrongdoing in connection with the Services
• Protect the personal safety of users of the Services or the public

5.4 Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of company assets, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our website of any change in ownership or uses of your personal information.

5.5 With Your Consent

We may share your information with third parties when you have given us your consent to do so.

6. Data Security

We implement appropriate technical and organizational security measures designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit using TLS/SSL
• Encryption of sensitive data at rest
• Regular security assessments and monitoring
• Access controls limiting employee access to personal information
• Secure data centers with physical security measures

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy any legal, accounting, or reporting requirements. The retention period may vary depending on the context of the processing and our legal obligations.

• Account Information: Retained while your account is active and for a reasonable period thereafter to allow you to reactivate your account
• Transaction Data: Retained for seven (7) years for tax and accounting purposes
• Calculation History: Retained while your account is active; deleted upon account termination unless required for legal compliance
• Marketing Preferences: Retained until you withdraw your consent
• Usage Data: Typically retained for twenty-six (26) months for analytics purposes

When we no longer need to retain your information, we will securely delete or anonymize it.

8. Your Privacy Rights

8.1 General Rights

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

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete personal information
• Deletion: Request deletion of your personal information, subject to certain exceptions
• Opt-Out of Marketing: Unsubscribe from marketing communications at any time by clicking the "unsubscribe" link in any email or contacting us directly

To exercise any of these rights, please contact us using the information provided in Section 12 below.

8.2 California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which the information was collected, the business purpose for collecting the information, and the categories of third parties with whom we share the information.
• Right to Delete: You have the right to request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
• Right to Opt-Out of Sale: We do not sell personal information as defined under the CCPA. If this changes, we will update this policy and provide you with an opt-out mechanism.

To submit a CCPA request, please contact us at privacy@titleplatform.com or call us at 513-848-5324. We will verify your identity before processing your request.

9. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately at privacy@titleplatform.com.

10. Third-Party Links

Our Services may contain links to third-party websites, services, or applications that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the privacy policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top of this policy.

For material changes, we will also send you an email notification (if you have an account with us) at least thirty (30) days before the changes take effect.

We encourage you to review this Privacy Policy periodically for any changes. Your continued use of the Services after the effective date of any changes constitutes your acceptance of the revised Privacy Policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Email: privacy@titleplatform.com
Phone: 513-848-5324
General Support: support@titleplatform.com

We will respond to your inquiry within thirty (30) days.