Privacy Policy

This Privacy Policy explains how Titl, Inc. ("Titl," "we," "us," or "our") collects, uses, discloses, and protects personal information when you visit titl.co and related websites, use our products and services (including TitlReport, TitlAbstract, TitlAlert, and ClearTitl), communicate with us, or otherwise interact with us (collectively, the "Services"). It also explains the choices and rights you may have.

This Privacy Policy is incorporated into our Terms of Service. Capitalized terms not defined here have the meanings given in the Terms of Service.

1. Scope

1.1 What this policy covers. This policy applies to personal information that Titl handles for its own purposes, including information about website visitors, newsletter subscribers, prospective customers, account holders, and Consumers who purchase Services directly from us.

1.2 Information we process for business customers. When a title company, lender, law firm, or other business customer uses the Services, it may upload documents or data that contain personal information about its own customers or transaction parties. In that situation, Titl generally acts as a service provider or processor on behalf of that business customer, and our handling of that information is governed by our agreement with the business customer. If your information was provided to us by one of our business customers, please direct privacy questions and requests to that business customer. We will assist them in responding as required by our agreement and applicable law.

1.3 Public Records. Our Services analyze real property records obtained from government sources. Section 5 explains how we handle personal information that appears in those records.

2. Summary of Our Practices

3. Personal Information We Collect

3.1 Information you provide to us.

• Contact and inquiry information, such as your name, email address, phone number, company, job title, and message, when you sign up for our newsletter, request a demo, schedule a meeting, or contact us.
• Account information, such as your name, email address, company, role, login credentials, and account preferences.
• Order and payment information, such as the Services you purchase, billing name and address, and transaction history. Payment card information is collected and processed by our third-party payment processors. We do not store full payment card numbers.
• Property search inputs and Customer Content, such as property addresses, parcel or folio numbers, owner names, legal descriptions, transaction details, and documents you upload (for example, search packages, deeds, or commitments). This information may include personal information about you or other people.
• Monitoring information, such as the properties you ask us to monitor and your preferred alert channels, including a mobile phone number if you opt in to text alerts.
• Communications, such as emails, support requests, survey responses, meeting notes, and feedback.

3.2 Information we collect automatically. When you use the Services, we and our service providers collect information such as your IP address, browser type, device type, operating system, referring URL, pages viewed, links clicked, time spent, approximate location derived from your IP address, and similar usage information. We collect this information using cookies, pixels, local storage, server logs, and similar technologies, as described in Section 8.

3.3 Information from other sources.

• Public Records, such as recorded deeds, mortgages, liens, judgments, lis pendens, plats, tax and assessment records, court records, and business entity filings, obtained from county recorders, clerks, property appraisers, tax collectors, courts, and other government offices, including through automated retrieval from their websites and online systems.
• Commercial data providers, such as title plant operators and records vendors that license property data to us.
• Business contact data providers and public professional sources, such as sales intelligence providers, professional networking sites, industry associations, and event organizers, which may provide business contact information for professionals in the title, lending, and real estate industries.
• Business customers and partners, who may provide information about their users or refer prospective customers to us.
• Service providers, such as our scheduling, analytics, and payment providers, which provide information related to the services they perform for us.

3.4 Sensitive personal information. We do not intentionally collect sensitive personal information such as Social Security numbers, financial account numbers, or health information through the website. However, documents that you or a business customer upload, and some Public Records, may contain such information. We process that information only to provide the Services and protect it as described in Section 10. Please do not upload sensitive personal information unless it is necessary for the Services you request.

4. How We Use Personal Information

We use personal information for the following purposes:

• Providing the Services, including searching and retrieving records, extracting and analyzing data, generating Outputs, delivering monitoring alerts, and maintaining your account.
• Transactions, including processing Orders and payments, managing subscriptions, preventing duplicate charges, and issuing refunds.
• Customer support and communications, including responding to inquiries, scheduling demos, sending transactional and account messages, and sending text alerts you have opted in to receive.
• Marketing, including sending newsletters and information about our products and events, subject to your right to opt out.
• Improving and developing the Services, including analyzing usage, measuring performance, testing new features, and training and evaluating Titl's own models, using De-identified Data where practicable.
• Security and fraud prevention, including monitoring for unauthorized access, scraping, and misuse, embedding identifiers in Outputs to detect unauthorized copying or distribution, and enforcing our Terms of Service.
• Legal and compliance, including complying with law, responding to lawful requests, keeping records of your acceptance of our Terms of Service and related acknowledgments, and establishing, exercising, or defending legal claims.
• Business transactions, including evaluating or completing a merger, financing, acquisition, or sale of assets.
• Other purposes disclosed to you at the time of collection or with your consent.

We may create De-identified Data from personal information. We maintain De-identified Data in de-identified form, do not attempt to re-identify it, and contractually prohibit recipients from re-identifying it.

5. Personal Information in Public Records

5.1 What appears in property records. Real property records are public by law and often contain the names of property owners, grantors, grantees, borrowers, lenders, and other parties, along with property and mailing addresses, legal descriptions, sale prices, loan amounts, and signatures. Our Outputs about a property may include this information because it is necessary to describe the condition of title.

5.2 Why we use it. We use Public Records to provide title search, examination support, and fraud monitoring services to real estate professionals, lenders, and property owners, and to help protect property owners against fraudulent filings. We do not use Public Records to make decisions about individuals' eligibility for credit, insurance, employment, or housing, and our Terms of Service prohibit customers from doing so.

5.3 Accuracy and corrections. We cannot change official Public Records. If you believe a Public Record is inaccurate, please contact the government office that maintains it. If you believe Titl has reproduced or extracted a record incorrectly, contact privacy@titl.co and we will review and correct our copy where appropriate.

5.4 Protected individuals. If you are a person whose home address or other information is exempt from public disclosure under law, such as a judge, law enforcement officer, or victim of domestic violence protected under Section 119.071, Florida Statutes, the Daniel Anderl Judicial Security and Privacy Act, or a comparable law, you may contact privacy@titl.co. We will take reasonable steps to suppress the protected information from our Outputs, consistent with the law that applies to you.

6. Artificial Intelligence and Automated Processing

6.1 How we use AI. The Services use automated systems, including machine learning and large language models provided by third parties, to read documents, extract data, identify issues, and draft Outputs. These providers process data on our behalf under agreements that restrict their use of the data, and we require them not to use our customers' data to train their general-purpose models. Under those agreements, a provider may retain inputs and outputs for a limited period, including for security and abuse monitoring, before deleting them.

6.2 No significant automated decisions about individuals. Titl does not use automated processing to make decisions that produce legal or similarly significant effects about individuals, such as decisions about financial or lending services, housing, insurance, education, employment, or healthcare. Our business customers remain responsible for any decisions they make using Outputs.

6.3 Errors in AI-processed information. Automated systems can misread or misclassify records, so an Output may state information about a person incorrectly, such as a misspelled name or an instrument attributed to the wrong party. As described in our Terms of Service, Outputs are informational and are not intended to be relied upon without independent verification. If you believe an Output contains inaccurate information about you, you may request a correction as described in Section 5.3.

7. How We Disclose Personal Information

We disclose personal information to the following categories of recipients:

• Service providers that perform services on our behalf, such as cloud hosting and infrastructure, AI model providers, payment processing, customer relationship management and meeting scheduling (including HubSpot), email and messaging delivery, website hosting and analytics, customer support, and security. Service providers may use personal information only to perform services for us.
• Business customers, when you access the Services through a business customer's account or an Output concerns a transaction that the business customer ordered.
• Recipients of Outputs, since Outputs may contain names and other information from Public Records and may be shared by customers with parties to a transaction as permitted by our Terms of Service.
• Professional advisors, such as lawyers, accountants, auditors, and insurers.
• Government authorities and others for legal reasons, when we believe in good faith that disclosure is required by law, subpoena, or legal process, or is necessary to protect the rights, property, or safety of Titl, our users, property owners, or the public, including to investigate or report suspected real estate fraud.
• Parties to a business transaction, such as a prospective or actual acquirer, investor, or successor, in connection with a merger, financing, acquisition, bankruptcy, or sale of all or part of our business or assets.
• Others with your consent or at your direction.

No sale or sharing. Titl does not sell personal information in exchange for money, and does not "sell" or "share" personal information for cross-context behavioral advertising or "targeted advertising" as those terms are defined under U.S. state privacy laws. We do not knowingly sell or share the personal information of consumers under 16 years of age. If our practices change, we will update this Privacy Policy and provide any required opt-out mechanisms before doing so.

8. Cookies and Similar Technologies

8.1 What we use. We use cookies and similar technologies to operate the website, remember your preferences, understand how the website is used, and improve it. As of the Effective Date, the website uses the following:

8.2 Your choices. You can block or delete cookies at any time through your browser settings, although some features, such as loading web fonts, may not work properly without them. Titl.co does not currently set any non-essential tracking or advertising cookies. For a full breakdown of the technologies we use and how to manage them, see our Cookies Policy.

8.3 Global Privacy Control. Our website recognizes the Global Privacy Control (GPC) browser signal. When we detect a GPC signal, we treat it as a request to opt out of any sale or sharing of personal information for that browser. As stated above, we do not currently sell or share personal information.

8.4 Do Not Track. Because there is no common industry standard for "Do Not Track" signals, we do not respond to them, other than GPC as described above.

9. Retention

We keep personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide the Services, maintain business and transaction records, resolve disputes, enforce our agreements, and comply with legal, tax, accounting, and regulatory obligations. The criteria we use include the length of our relationship with you, whether you have an active account or subscription, the nature and sensitivity of the information, and applicable legal requirements. For business customers, retention of Customer Content is governed by our agreement with the customer. Titl is not a records archive for our customers. As described in our Terms of Service, unless an Order or Enterprise Agreement states otherwise, we may delete Outputs and Customer Content 90 days after an Output is delivered or after an account is closed, and you are responsible for keeping copies of any Output you need. We keep Order, billing, and Terms of Service acceptance records for longer periods to meet legal, tax, and dispute-resolution needs. When information is no longer needed, we delete it or de-identify it.

10. Security

We use administrative, technical, and physical safeguards designed to protect personal information, including encryption in transit, access controls, and logging and monitoring. We use distributed ledger technology only to record cryptographic hashes that help detect alteration of records, and we do not store personal information on a distributed ledger. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. If we learn of a security incident affecting your personal information, we will notify you and regulators as required by applicable law. Titl will never ask you by email, text message, or phone for your password, a full payment card number, or wire or payment instructions for a real estate transaction. If you receive a request like this that appears to come from Titl, do not respond, and report it to hello@titl.co.

11. Your Choices

• Marketing emails. You can unsubscribe using the link in any marketing email or by contacting privacy@titl.co. We will still send transactional and account messages.
• Text messages. Reply STOP to any text message to stop receiving them, or HELP for help.
• Cookies. Manage your cookie choices as described in Section 8.
• Account information. You can review and update certain account information in your account settings or by contacting us.

12. Your Privacy Rights

12.1 Rights under U.S. state privacy laws. Depending on the state where you live and whether the law applies to Titl, you may have some or all of the following rights regarding your personal information, subject to exceptions:

• Access and know: confirm whether we process your personal information and request the categories and specific pieces of personal information we have collected, the sources, the purposes, and the categories of recipients.
• Correction: request that we correct inaccurate personal information.
• Deletion: request that we delete personal information we collected from or about you.
• Portability: receive a copy of your personal information in a portable format.
• Opt out: opt out of the sale of personal information, sharing for cross-context behavioral advertising, targeted advertising, and profiling in furtherance of decisions that produce legal or similarly significant effects. As stated above, we do not engage in these activities.
• Limit sensitive personal information: limit the use of sensitive personal information to purposes permitted by law. We use sensitive personal information only for those permitted purposes.
• Non-discrimination: not receive discriminatory treatment for exercising your rights.

12.2 Exceptions. Some rights do not apply to information that is publicly available from government records, information we process as a service provider for a business customer, information exempt under laws such as the Gramm-Leach-Bliley Act, or information we must retain to comply with law, complete a transaction, detect security incidents, or establish or defend legal claims. Because official Public Records are maintained by government offices, a deletion request cannot remove a record from the public record, although we will consider requests to suppress information from our Services where appropriate.

12.3 How to submit a request. Email privacy@titl.co with the subject line "Privacy Request," or write to us at the address in Section 17. Please tell us the right you want to exercise and the state where you live.

12.4 Verification. We will verify your identity before responding, generally by matching information you provide with information we already have. We may ask for additional information where necessary. We will use information provided for verification only for that purpose.

12.5 Authorized agents. You may use an authorized agent to submit a request. We may require the agent to provide signed written permission from you and may ask you to verify your identity directly with us, unless the agent holds a valid power of attorney.

12.6 Timing. We will acknowledge and respond to requests within the time required by applicable law, generally within 45 days, which may be extended as permitted by law.

12.7 Appeals. If we decline to take action on your request, you may appeal by emailing privacy@titl.co with the subject line "Privacy Request Appeal" within a reasonable period after our decision. We will respond within the time required by law. If your appeal is denied, you may contact the attorney general of your state.

13. Additional Information for California Residents

13.1 Notice at collection and categories of personal information. In the past 12 months, we have collected the following categories of personal information, as defined by the California Consumer Privacy Act ("CCPA"), from the sources described in Section 3, for the purposes described in Section 4, and disclosed them for a business purpose to the categories of recipients described in Section 7:

We do not sell or share any of these categories, and we do not use or disclose sensitive personal information for purposes that would give rise to a right to limit under the CCPA. We retain each category as described in Section 9.

13.2 Shine the Light. California residents may request information about our disclosure of personal information to third parties for their direct marketing purposes. We do not disclose personal information to third parties for their own direct marketing purposes.

14. Additional Information for Nevada Residents

Nevada residents may submit a request to opt out of the sale of covered information by emailing privacy@titl.co. We do not sell covered information as defined under Nevada law.

15. Children's Privacy

The Services are intended for adults and are not directed to children. We do not knowingly collect personal information from children under 13, or from anyone under 18 through account registration or purchases. If you believe a child has provided us with personal information, contact privacy@titl.co and we will delete it.

16. Other Important Information

16.1 Users outside the United States. The Services are intended for users in the United States. If you access the Services from outside the United States, your information will be transferred to, stored in, and processed in the United States, where data protection laws may differ from those in your country.

16.2 Third-party websites and services. The Services may link to or integrate third-party websites and services, such as news articles, scheduling tools, and maps. This Privacy Policy does not apply to those third parties, and we encourage you to review their privacy policies.

16.3 Changes to this Privacy Policy. We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date above. If we make material changes, we will provide notice through the Services or by email before the changes take effect, and where required by law, obtain your consent.

17. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us at:
Titl, Inc.
Attn: Privacy
21 SE 1st Ave, Unit 606
Miami, Florida 33131
privacy@titl.co