Crossroads Title shares your concerns about
privacy. We are committed to respecting
the privacy of our policyholders. 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 that we gather in the
process of issuing our policy
of title insurance.
Title V
of the Gramm-Leach-Bliley Act (GLBA) and the laws of the
State of Michigan 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 may be
disclosed. In compliance with the GLBA and the
laws of the State of Michigan, we are providing you with
the following privacy practices:
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Information we collect and sources
from which we collect it: |
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We do not collect any non-public, personal
information about you other than the
following: |
- Information we receive from you or from your
attorney or other representatives on
applications, and in other communications to us,
whether in writing, in person, by telephone or
any other means.
|
- Information about your transactions with us,
our affiliates, or our agents.
|
- Other non-public, personal information about
you from individuals and companies other than
those proposed for coverage.
|
- Unless it is specifically stated otherwise
in an amended Privacy Policy Notice, no
additional information will be collected about
you.
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Information we disclose to third
parties:
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| In the course of our
general business practices, we may share the
information that we collect (as described above)
about you or others without your permission with
our affiliates, such as insurance companies,
agents, and other real estate settlement service
providers. We may also disclose the
information: |
- To a third party contractor or service
provider who provide services or perform
marketing or other functions on our behalf, 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 agents, brokers, or representatives to
provide you with services you have
requested.
|
- To an insurance institution, agent, broker,
representatives, or credit reporting agency for
either United General or the entity to which we
disclose the information to perform a function
in connection with an insurance transaction
involving you.
|
- 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 an actuarial or research organization for
the purpose of conducting actuarial or research
studies.
|
- To others with whom we enter into joint
marketing agreements for products or services
that we believe you may find of
interest.
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| The disclosures
described above are permitted by law. |
|
| WE DO NOT
DISCLOSE ANY NON-PUBLIC PERSONAL INFORMATION ABOUT
YOU WITH 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 two (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: |
- Submit a request in writing
to Crossroads Title Agency, 5467 Hill-23
Drive, Flint, MI 48507. 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 thirty (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
that you will have an opportunity to
challenge.
|
| Our practices
regarding information confidentiality and
security: |
| We restrict access to
non-public personal information about you to those
employees who 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 non-public personal
information. |
|
|
Our policy regarding dispute
resolution: |
| Any controversy or
claim arising out of or relating to our privacy
policy, or the breach thereof, 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, Crossroads Title Agency and
its espective affiliates reserve 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 Crossroads Title Agency with regard
to the maintenance and protection of the
information collected; and (3) agrees to the
obligations of this privacy statement. |
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