Privacy Policy

1. Information We Collect

We collect several types of information from and about users of our Services in order to provide you with high-quality title, escrow, and closing services. The categories of information we collect include the following:

Personal Information

When you interact with our Services, we may collect personal identifiers and contact information that you voluntarily provide to us. This includes your full legal name, email address, phone number, mailing address, and residential address. In certain situations where required by law or regulation for title and closing compliance purposes, we may also collect government-issued identification documents and your social security number to verify your identity and comply with anti-fraud and regulatory requirements.

Financial Information

To process real estate transactions and facilitate closings, we collect financial information including bank account details for wire transfers and disbursements, credit card or other payment method information for service fees, and detailed transaction and escrow account records. This information is necessary to complete the title insurance, escrow, and closing services you have requested from us.

Property & Transaction Data

As part of our title and closing services, we collect and process information related to the real estate transaction, including property addresses and legal descriptions, purchase and sale agreement details, mortgage and loan information, title search results and title commitment documents, survey data, and any other documents required to complete the closing process. This data is essential to performing accurate title searches, issuing title insurance policies, and facilitating smooth closings.

Technical Information

When you access our website or online platform, we automatically collect certain technical information about your device and browsing activity. This includes your Internet Protocol (IP) address, browser type and version, operating system, device type and identifiers, referring website URLs, pages visited on our platform, time spent on each page, click patterns, and other usage statistics. We collect this information through cookies, web beacons, log files, and similar tracking technologies to help us understand how our Services are used and to improve the user experience.

Communications

We maintain records of all communications between you and Beycome Title, including emails, phone calls, text messages, live chat conversations, and customer support requests. These records help us provide better service, maintain accurate transaction files, resolve disputes, and comply with regulatory record-keeping requirements applicable to title companies.

In addition to information you provide directly, we may receive information about you from third-party sources such as government records and public databases, real estate agents and brokers, mortgage lenders and financial institutions, title underwriters, credit reporting agencies, and other service providers involved in your real estate transaction.

2. How We Collect Information

We collect information through several methods to ensure we have the data necessary to provide our Services effectively and securely:

• Directly from you: We collect information that you voluntarily provide when you fill out forms on our website, create an account on our platform, request a title quote, submit transaction documents, communicate with our team by phone, email, or chat, or otherwise interact with our Services during the course of a real estate closing.
• Automatically through technology: When you visit our website or use our online platform, we automatically collect technical and usage data through cookies, web beacons, pixel tags, server logs, and similar technologies. This data helps us analyze website traffic, measure the effectiveness of our marketing campaigns, personalize your experience, and maintain the security and performance of our platform.
• From third-party sources: We receive information from third parties involved in the real estate transaction process, including public property records, county clerk offices, tax assessor databases, real estate agents, mortgage lenders, title underwriters such as Old Republic National Title Insurance Company, and other service providers. This third-party data is used to verify information, perform title searches, and facilitate the closing process.

3. How We Use Your Information

We use the information we collect for a variety of business and operational purposes, all of which are aimed at delivering excellent title, escrow, and closing services. Specifically, we use your information to:

• Provide title, escrow, and closing services: We use your personal, financial, and property information to conduct title searches, prepare title commitments and policies, manage escrow accounts, coordinate closing logistics, record documents with the appropriate county offices, and issue title insurance policies through our underwriting partners.
• Process transactions and payments: We use your financial information to process service fees, manage escrow fund disbursements, handle wire transfers, issue refunds when applicable, and maintain accurate financial records for each transaction.
• Verify identity and prevent fraud: We use personal identifiers and government-issued identification to verify the identity of all parties involved in a real estate transaction, which is critical for preventing wire fraud, identity theft, and other forms of real estate fraud that are increasingly common in the industry.
• Communicate with you: We use your contact information to send you transaction updates, closing documents, important notices about your account, responses to your inquiries, and information about our services that may be relevant to your real estate needs.
• Improve our platform and services: We analyze usage data and customer feedback to identify areas where we can improve our website, streamline the closing process, develop new features, enhance our customer support, and optimize the overall user experience on our platform.
• Comply with legal and regulatory obligations: As a licensed title company operating in Florida and Texas, we are subject to state and federal regulations that require us to collect, retain, and report certain information. We use your data to comply with these obligations, including anti-money laundering (AML) requirements, the Bank Secrecy Act, state insurance regulations, and other applicable laws.

We may also use your information for internal analytics, business planning, quality assurance, training purposes, and to develop and improve our service offerings.

4. How We Share Information

We do not sell your personal information to third parties for marketing purposes. We value your trust and are committed to handling your data responsibly.

However, in the normal course of providing title, escrow, and closing services, we may need to share your information with the following categories of recipients:

• Title underwriters and insurers: We share transaction and property information with our title insurance underwriting partners, such as Old Republic National Title Insurance Company, to issue title insurance policies and process claims.
• Service providers and vendors: We work with trusted third-party service providers who assist us with payment processing, fraud prevention and detection, customer support, information technology, cloud hosting, document management, and other operational functions. These providers are contractually obligated to protect your information and use it only for the purposes we specify.
• Government agencies and regulatory bodies: We disclose information to government agencies, courts, law enforcement, and regulatory bodies when required by law, subpoena, court order, or other legal process, or when we believe in good faith that disclosure is necessary to comply with applicable regulations.
• Transaction participants: As part of the closing process, we share relevant information with other parties involved in your real estate transaction, including buyers, sellers, real estate agents, mortgage lenders, appraisers, surveyors, and attorneys, as necessary to complete the transaction.
• Affiliates and corporate partners: We may share information with our affiliated companies, including Beycome Corp., Beycome Brokerage Realty LLC, and Beycome of Florida LLC, for purposes consistent with this Privacy Policy.

We may also share your information in the following circumstances:

• With your consent: We may share your information when you have given us explicit permission to do so for a specific purpose.
• Business transactions: In the event of a merger, acquisition, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.
• Legal protection: We may disclose your information when we believe it is necessary to protect our legal rights, enforce our Terms and Conditions, investigate potential violations, or protect the safety of our users, employees, or the public.

5. Data Security

Protecting your personal information is a top priority at Beycome Title. We implement commercially reasonable administrative, technical, and physical security measures designed to protect your information from unauthorized access, disclosure, alteration, and destruction. Our security practices include encryption of sensitive data in transit and at rest, secure access controls and authentication protocols, regular security assessments and vulnerability testing, employee training on data protection and privacy best practices, and secure document storage and disposal procedures.

While we strive to use reasonable means to protect your personal information, no method of transmission over the Internet or method of electronic storage is completely secure. Therefore, we cannot guarantee absolute security of your data. In the event of a data breach that affects your personal information, we will notify you and the appropriate regulatory authorities as required by applicable law.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to provide our Services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. The specific retention period depends on the type of information and the purpose for which it was collected:

• Transaction records: Title and closing transaction records are retained for the period required by state regulations and title insurance underwriting guidelines, which typically require retention for a minimum of seven years and in some cases permanently for title insurance policies.
• Financial records: Financial and payment records are retained as required by tax laws, accounting standards, and anti-money laundering regulations.
• Account information: If you have an account on our platform, we retain your account information for as long as your account is active or as needed to provide you with ongoing services.
• Communications: Records of communications are retained in accordance with our record-keeping policies and applicable regulatory requirements.

When your information is no longer needed for any of the purposes described above, we will securely delete or anonymize it in accordance with our data disposal policies and applicable laws.

7. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activity on our website and platform. These technologies help us provide a better, more personalized experience. The types of cookies and tracking technologies we use include:

• Essential cookies: These cookies are necessary for the basic functionality of our website, such as enabling secure login, maintaining your session, and processing transactions. Without these cookies, certain features of our Services cannot function properly.
• Analytics cookies: We use analytics cookies, including those provided by Google Analytics, to understand how visitors interact with our website. These cookies collect information about pages visited, time spent on each page, navigation paths, and other usage statistics. This data helps us identify areas for improvement and optimize our website performance.
• Marketing cookies: We may use marketing cookies to deliver relevant advertisements, measure the effectiveness of our marketing campaigns, and track conversions from our advertising efforts.
• Functional cookies: These cookies remember your preferences and settings, such as language preferences and form auto-fill data, to provide a more convenient experience when you return to our website.

You can manage your cookie preferences through your browser settings. Most browsers allow you to block or delete cookies, but please be aware that disabling cookies may limit your ability to use certain features of our website and Services. For more information about cookies and how to manage them, visit your browser's help documentation.

8. Your Privacy Rights

Depending on your state of residence and applicable law, you may have certain rights regarding your personal information. These rights may include:

• Right to access: You have the right to request a copy of the personal information we hold about you, including the categories of information collected, the sources from which it was collected, the purposes for which it is used, and the categories of third parties with whom it has been shared.
• Right to correction: You have the right to request that we correct any inaccurate or incomplete personal information we have about you. We will make reasonable efforts to update your information promptly upon receiving a verified request.
• Right to deletion: You have the right to request that we delete your personal information, subject to certain exceptions. Please note that we may need to retain certain information to comply with legal obligations, complete transactions, detect fraud, or for other legitimate purposes as permitted by law.
• Right to opt out: You have the right to opt out of certain types of data processing, such as the sale or sharing of personal information for targeted advertising purposes. As noted above, we do not sell your personal information.

We will not discriminate against you for exercising any of your privacy rights. You will not receive different pricing, a different quality of service, or be denied service for making a privacy-related request.

To submit a privacy request or if you have questions about your rights, please contact us at: contact@beycometitle.com. We will respond to your request within the timeframe required by applicable law, typically within 45 days of receiving a verified request.

9. California Privacy Rights (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) provide you with specific rights regarding your personal information. In addition to the rights described in Section 8 above, California residents have the following additional rights:

• Right to know: You have the right to request that we disclose the specific categories and pieces of personal information we have collected about you over the past 12 months, the categories of sources from which the information was collected, the business or commercial purpose for collecting the information, and the categories of third parties with whom we shared the information.
• Right to delete: You have the right to request deletion of your personal information, subject to certain exceptions under California law, such as when the information is needed to complete a transaction, detect security incidents, comply with legal obligations, or for internal uses reasonably aligned with your expectations.
• Right to correct: You have the right to request that we correct inaccurate personal information that we maintain about you, taking into account the nature of the information and the purposes for processing it.
• Right to opt out of sale or sharing: You have the right to opt out of the sale of your personal information or the sharing of your personal information for cross-context behavioral advertising purposes. Beycome Title does not sell personal information and does not share personal information for cross-context behavioral advertising.
• Right to limit use of sensitive personal information: You have the right to limit our use of sensitive personal information to purposes necessary to provide the Services you have requested.

We do not sell personal information as defined under the CCPA/CPRA. We do not use or disclose sensitive personal information for purposes other than those permitted under California law. To exercise your California privacy rights, please contact us at contact@beycometitle.com.

10. Third-Party Services and Links

Our website and platform may contain links to third-party websites, applications, and services that are not owned or controlled by Beycome Title. These third-party services include, but are not limited to, payment processors, mapping and address verification services, analytics providers, and other technology partners that help us deliver our Services.

We are not responsible for the privacy practices, security measures, or content of any third-party websites or services. When you leave our website or interact with a third-party service, your information is governed by that third party's own privacy policy and terms of use. We encourage you to review the privacy policies of any third-party services before providing them with your personal information or engaging with their platforms.

11. Children's Privacy

Our Services are designed for use by adults and are not intended for individuals under the age of 18. Real estate transactions inherently involve adults who have the legal capacity to enter into binding contracts. We do not knowingly collect, use, or disclose personal information from children under 18 years of age. If we become aware that we have inadvertently collected personal information from a child under 18, we will take immediate steps to delete that information from our systems. If you are a parent or guardian and believe that your child has provided personal information to us, please contact us at contact@beycometitle.com so that we can take appropriate action.

12. International Users

Beycome Title operates exclusively within the United States, with offices in Florida and Texas. Our Services, servers, and data storage facilities are located in the United States. If you access our Services from outside the United States, please be aware that your information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country of residence. By using our Services, you consent to the transfer and processing of your personal information in the United States in accordance with this Privacy Policy and applicable U.S. law.

13. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our business practices, legal requirements, or industry standards. When we make material changes to this Privacy Policy, we will update the "Last Updated" date at the top of this page and post the revised policy on our website. For significant changes that materially affect how we handle your personal information, we may also provide additional notice through email or a prominent notification on our platform.

Your continued use of our Services after any changes to this Privacy Policy constitutes your acceptance of the updated terms. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

If you have any questions about this Privacy Policy, your personal data, or our privacy practices, please do not hesitate to contact us. You can also get a free closing quote to see how Beycome Title can help with your next real estate transaction.