PURPOSE OF THIS NOTICE
American Chartered Title & Integrated Loan Services, Inc. (the
"Company") shares your concerns about privacy. The Company is committed
to respecting the privacy of our customers. Therefore, in accordance
with Federal and State laws and regulations, we are providing you with
this notice of how we might use the information about you which we
gather in the process of issuing a policy of title insurance and closing
your real estate transaction. We are committed to providing you
with the utmost security and compliance, and this level of security is
unmatched in the industry. No emails are generated from our office
that contain non-public personal information and any such information is
only obtained through a secure, authenticated connection on our web
server! Your information is 100% safeguarded and there are no
encrypted emails, no shared cloud services, no devices that are not
under our complete control!
Our policy is to ensure that your information is 100% Protected, 100%
Secure, 100% of the Time. See also copy of our expanded pledge -
uniquely prepared for your protection!
ACTILS ALTA Best Practices Pledge
Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the
State in which you reside generally prohibit us from sharing non-public
personal information about you with a third party unless we provide you
with this notice of our privacy policies and practices, such as the type
of information that we collect about you and the categories of persons
or entities to whom that information might be disclosed. In compliance
with GLBA and the laws of this State, we are providing you with this
document, which notifies you of the privacy policies and practices of
the Company.
Our Privacy Policies and Practices
Information we collect and sources from which we collect it:
We do not collect any nonpublic information about you other than the
following:
- Information we receive from you or from your attorney or other
representatives on applications or other forms, such as your name,
address, telephone number, or social security number
- Information about your transactions with us, such as
description, price, or terms
- In addition, we may collect other nonpublic personal information
about you from affiliated/nonaffiliated third parties, such as
individuals and companies other than those proposed for coverage,
which may include information in documents received from your lender
Unless it is specifically stated otherwise in an amended Privacy
Policy Notice, no additional information will be collected about you.
Information we disclose to third parties
In the course of our general business practices, we may disclose the
information that we collect (as described above) about you or others
without your permission to the following types of institutions for the
reasons described:
- Financial Service Providers:
- To an insurance institution, agent, or credit reporting
agency in order to detect or prevent criminal activity, fraud or
misrepresentation in connection with an insurance transaction;
- To an insurance institution, agent, or credit reporting
agency for either this Company or the entity to whom we disclose
the information to perform a function in connection with an
insurance transaction involving you.
- Others:
- To an insurance regulatory authority, law enforcement, or
other governmental authority in order to protect our interests
in preventing or prosecuting fraud, or if we believe that you
have conducted illegal activities;
- To a third party such as a surveying, real estate tax
research or municipal data firm if the disclosure will enable
that party to perform a business, professional or insurance
function for us;
- To an actuarial or research organization for the purpose of
conducting actuarial or research studies.
The disclosures described above are permitted by law. We require any
third party who receives information from us to agree to not disclose or
use the information provided other than to carry out the purpose(s) for
which it was disclosed.
WE DO NOT DISCLOSE ANY NONPUBLIC PERSONAL INFORMATION ABOUT
YOU WlTH AFFILIATES OR NON-AFFILIATED THIRD PARTIES FOR ANY PURPOSE THAT
IS NOT SPECIFICALLY PERMITTED BY LAW.
Your right to access and amend your personal information:
You have the right to request access to the personal information that
we record about you. Your right includes the right to know the source of
the information and the identity of the persons, institutions or types
of institutions to whom we have disclosed such information within 2
years prior to your request. Your right includes the right to view such
information and copy it in person, or request that a copy of it be sent
to you by mail (for which we may charge you a reasonable fee to cover
our costs). Your right also includes the right to request corrections,
amendments or deletions of any information in our possession. The
procedures that you must follow to request access to or an amendment of
your information are as follows:
To obtain access to your information from American Chartered Title
& Integrated Loan Services, Inc.You should submit a request in
writing to:
Compliance Officer
American Chartered Title & Integrated Loan Services, Inc.
1809 E Broadway Street, #305
Oviedo, Florida 32765
The request should include your name, address, policy number,
telephone number and the information to which you would like access. The
request should state whether you would like access in person or a copy
of the information sent to you by mail. Upon receipt of your request, we
will contact you within 30 business days to arrange providing you with
access in person or the copies that you have requested.
To correct amend or delete any of your information: You should
submit a request in writing to the address referenced directly above.
The request should include your name, address, policy number, telephone
number, the specific information in dispute, and the identity of the
document or record that contains the disputed information. Upon receipt
of your request, we will contact you within 30 business days to notify
you either that we have made the correction, amendment or deletion, or
that we refuse to do so and the reasons for the refusal which you will
have an opportunity to challenge.
Our practices regarding information confidentiality and
security:
We restrict access to nonpublic information about you to those
employees need to know that information in order to provide products or
services to you. We maintain physical, electronic, and procedural
safeguards that comply with federal regulations to guard your nonpublic
personal information.
Our policy regarding dispute resolution:
In the event you believe the Company has not complied with the
Privacy Policies and Practices as set forth in this Notice, you must
give the Company notice in writing addressed to the Compliance Officer
at the above address setting forth the reasons for such non-compliance.
The Company shall not be deemed to be in breach of the Privacy Policies
and Practices unless is has not resolved or explained or resolved the
issues set forth in such notice within thirty (30) days to your
reasonable satisfaction. All claims arising under this Notice, shall be
settled by arbitration in accordance with the rules of the American
Arbitration Association, and judgment upon the award rendered by the
arbitrator(s) may be entered in any court having jurisdiction thereof.
Reservation of the right to disclose information in
unforeseen circumstances:
In connection with the potential sale or transfer of its interests,
the Company reserves the right to sell or transfer your information
(including but not limited to your address, name, age, sex, zip code,
state and country of residency and other information that you provide
through other communications) to a third party entity that (1)
concentrates its business in a similar practice or service; (2) agrees
to be a successor in interest of the Company with regard to the
maintenance and protection of the information collected; and (3) agrees
to the obligations of this privacy statement.
Other Important Information:
The Company’s website may contain links to other websites or Internet
resources. The Company does not endorse or otherwise accept
responsibility for the content or privacy policies of those websites or
Internet resources.
The Company reserves the right to modify this Privacy Policy at any
time. We will promptly reflect any such modifications in this document
and, when we do, we will revise the "effective as of" date noted above.
Any updated version of this Privacy Policy will be effective as of that
date.