At World Premier Title & Escrow LLC, we are deeply committed to protecting your privacy and ensuring the confidentiality, integrity, and security of your personal, transactional, and financial data. This Privacy Policy outlines how we collect, handle, disclose, and safeguard your information when you interact with our website, settlement portals, intake forms, and title examination services.
By accessing or using our services, platforms, and forms, you agree to the practices outlined in this Privacy Policy.
1. Information We Collect
In order to execute title examinations, issue insurance commitments, balance closing disclosures, and disburse escrow funds, we may collect the following classifications of information:
A. Personal Non-Public Information
- Full legal name, residential address, email address, and telephone/mobile numbers
- Government-issued identification credentials (driver's licenses, passports, Social Security numbers, or Tax Identification numbers when mandated by underwriting or FinCEN statutes)
- Marital status, power of attorney documents, trust instruments, and probate decrees
- Bank account wiring details, earnest money deposit verification records, and loan payoff instructions
B. Property & Transaction Records
- Real estate purchase and sale contracts, earnest money receipts, and addenda
- County parcel identifiers, folios, tax assessments, and recorded deeds of trust
- Mortgage commitments, Closing Disclosures (CD), and ALTA settlement statements
- Direct communications, transaction logs, and customer service correspondence
C. Technical & Device Information
- IP addresses, browser types, operating systems, and device hardware signatures
- Website usage statistics, page load speeds, and navigation session data
- Cookies and local device storage strictly used for security, session persistence, and portal navigation
2. How We Use Your Information
We process your information strictly for legitimate real estate settlement purposes, including:
- Conducting 30- to 60-year chain of title examinations and municipal lien searches
- Issuing ALTA Title Insurance Commitments, CPLs, Owner’s Policies, and Lender Policies
- Balancing escrow ledgers, executing closing disbursements, and recording statutory instruments
- Verifying customer identities, validating notary certifications, and preventing wire redirection fraud
- Ensuring strict compliance with ALTA Best Practices, CFPB regulations, FinCEN GTO orders, and state insurance department mandates
- Delivering transactional status alerts, critical milestone updates, and prompt closing coordination
3. SMS and Mobile Data Protection
We collect and use mobile telephone numbers and related mobile messaging data exclusively as necessary to deliver conversational SMS communications, closing timeline milestones, and transaction status alerts.
- Zero Marketing Sharing: Mobile phone numbers, text messaging opt-in records, and consumer consent details will NEVER be sold, rented, leased, or shared with third parties or external affiliates for marketing or promotional campaigns.
- Authorized Service Providers Only: Mobile data may be shared solely with trusted telecommunication aggregators and infrastructure providers under strict confidentiality agreements solely to deliver the text message service.
No Transfer of SMS Consent or Phone Number Data
Consumer SMS consent records and telephone numbers will not be transferred, sold, or disclosed to external organizations for SMS registration, lead generation, or third-party consent campaigns. We implement multi-layered encryption, access controls, and administrative defenses to safeguard mobile consent data against unauthorized interception.
4. Information Sharing & Disclosure (We Do NOT Sell Your Data)
We disclose your transaction information solely under the following necessary circumstances:
- Closing Participants: With authorized stakeholders directly involved in your transaction (buyers, sellers, mortgage lenders, real estate brokers, and attorneys) to finalize the settlement.
- Underwriters & Regulators: With national title insurance underwriters to issue legally binding policy jackets and with state insurance commissioners as mandated by law.
- County Recorders: With municipal property appraisers, county deed recorders, and clerk offices to legally convey and record vesting deeds and mortgage instruments.
- Legal & Fraud Prevention: When strictly required to comply with court subpoenas, judicial orders, FinCEN anti-money laundering reporting, or to prevent cyber wire fraud.
5. Bank-Grade Data Security
We recognize the high sensitivity of real estate escrow transactions and enforce institutional-grade data security controls, including:
- End-to-End Cryptography: 256-bit AES database encryption at rest and TLS 1.3 encryption in transit for all web traffic and document transmissions
- Access Governance: Zero-trust network segmentation, mandatory Multi-Factor Authentication (MFA), and role-based clearance protocols for all title personnel
- Independent Auditing: Compliance alignment with ALTA Best Practices Pillar 3 (Information Security) and SOC2 Level II operational controls
- Continuous Threat Defense: 24/7 endpoint detection, automated anomaly heuristics, and proactive escrow wire interception filters
6. Data Retention Protocols
We retain closing files, title search abstracts, and financial ledgers strictly for the durations required to fulfill our closing obligations, satisfy state insurance record-keeping mandates (typically 5 to 7 years depending on jurisdiction), resolve title disputes, and uphold underwriter jacket covenants. Upon expiration of mandatory retention periods, physical and digital files are sanitized in accordance with NIST 800-88 guidelines.
7. Your Rights and Privacy Choices
Depending on your jurisdiction and state residency, you possess rights regarding your personal information:
- Access & Inspection: You may request copies of the personal data we maintain regarding your transaction files.
- Rectification: You have the right to request correction of inaccurate, outdated, or incomplete records.
- Deletion: You may request data deletion, subject to mandatory statutory title insurance and escrow record-keeping laws.
- Opt-Out of SMS: You can unsubscribe from transactional text alerts at any time by texting STOP or emailing our compliance desk.
8. Cookies and Tracking Technologies
Our website utilizes essential security cookies and anonymous performance metrics to preserve user login sessions, protect online forms from cross-site scripting (XSS), and evaluate platform speed. For full details on cookie categories and browser preference management, please consult our dedicated Cookie Policy.
9. External Third-Party Links
Our portals may contain links to external websites (e.g., mortgage calculators, municipal tax offices, or title industry resources). We do not control and cannot be held accountable for the independent privacy policies or practices of external websites. We encourage you to review their independent disclosures.
10. Statutory & Regulatory Compliance
World Premier Title & Escrow operates in full alignment with the Gramm-Leach-Bliley Act (GLBA), the Dodd-Frank Wall Street Reform Act, CFPB Real Estate Settlement Procedures Act (RESPA), and applicable state insurance department data privacy frameworks.
11. Revisions to this Privacy Policy
We reserve the right to revise this Privacy Policy periodically to reflect technological advancements, enhanced operational procedures, or newly enacted state and federal regulations. All updates will be published on this page with an updated effective date.
Privacy Officer & Compliance Inquiries
If you have questions, complaints, or requests regarding this Privacy Policy or our data protection practices, please contact our designated Privacy Office:
Pompano Beach, FL 33060, USA