Privacy
Policy

Introduction

Simplicity Title, LLC ("Simplicity Title," "we," "us," or "our") is committed to protecting the privacy and security of the personal information we collect. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website at simplicitytitle.com, use our services, or interact with us in connection with real estate settlement and title insurance transactions in New Jersey and New York.

By using our website or engaging our services, you consent to the practices described in this Privacy Policy.

Information We Collect

Personal Information

In connection with our title insurance and settlement services, we may collect the following categories of personal information:

• Identity information: Name, date of birth, Social Security Number (SSN), government-issued identification
• Contact information: Mailing address, email address, phone number, fax number
• Financial information: Bank account numbers, mortgage information, loan details, income and employment information
• Transaction information: Property address, purchase price, sale terms, lien information, title history
• Professional information: Attorney, lender, real estate agent, or broker contact details

Nonpublic Personal Information (NPI)

As a title insurance agent, we collect nonpublic personal information ("NPI") as defined under the Gramm-Leach-Bliley Act (GLBA) and applicable state regulations. NPI includes personal financial information provided to us in connection with a real estate transaction, such as Social Security Numbers, account numbers, income and credit history, and other financial data.

Website Usage Information

When you visit our website, we may automatically collect:

• IP address, browser type, operating system, and device information
• Pages viewed, time spent on pages, and navigation patterns
• Referring website or source
• Information entered into our calculator tools (this data is processed locally in your browser and is not transmitted to our servers)

How We Use Your Information

We use the information we collect for the following purposes:

• Processing title searches, issuing title insurance policies, and conducting real estate closings and settlements
• Communicating with you regarding your transaction, including order status and closing details
• Complying with legal and regulatory obligations, including ALTA, DOBI (NJ), and DFS (NY) requirements
• Verifying identity and preventing fraud, including wire fraud prevention
• Responding to your inquiries and providing customer support
• Improving our website, services, and internal business operations
• Sending informational communications about our services (you may opt out at any time)

How We Share Your Information

We do not sell your personal information. We may share your information with the following parties as necessary to perform our services and comply with the law:

• Title insurance underwriters: To issue title insurance policies
• Transaction parties: Lenders, attorneys, real estate agents, buyers, sellers, and other parties involved in your transaction
• Government agencies: County recording offices, tax assessors, and regulatory bodies as required by law
• Service providers: Third-party vendors who assist with technology, data processing, document management, or other operational needs, subject to contractual confidentiality obligations
• Legal compliance: When required by law, regulation, subpoena, court order, or other legal process

GLBA Privacy Notice

As a financial institution under the Gramm-Leach-Bliley Act (GLBA), Simplicity Title is committed to safeguarding the nonpublic personal information (NPI) of our customers and consumers. In accordance with GLBA and applicable NJ and NY regulations:

• We restrict access to NPI to employees and authorized service providers who need it to perform their job functions
• We maintain physical, electronic, and procedural safeguards to protect NPI
• We do not disclose NPI to nonaffiliated third parties except as permitted or required by law
• We provide initial and annual privacy notices as required by regulation

Cookies and Analytics

Our website may use cookies and similar tracking technologies to enhance your browsing experience. Cookies are small text files stored on your device that help us understand website usage patterns.

• Essential cookies: Required for website functionality
• Analytics cookies: Help us understand how visitors use our site so we can improve the experience

You can control cookie preferences through your browser settings. Disabling cookies may limit some website functionality.

Data Security

We implement industry-standard security measures to protect your personal and financial information, including:

• Encryption of sensitive data during transmission (SSL/TLS)
• Access controls and authentication for employees and systems
• Secure document storage and disposal procedures
• Regular security assessments and employee training
• Wire fraud prevention protocols, including verbal verification of all wiring instructions

While we take extensive precautions, no method of electronic transmission or storage is 100% secure. We encourage you to take steps to protect your personal information, including verifying wiring instructions by phone before sending any funds.

Third-Party Links

Our website may contain links to third-party websites, including our client portal (powered by TitleDesktop), lender partners, and other resources. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party site you visit.

Your Rights

You may have the following rights regarding your personal information, subject to applicable law:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate personal information
• Opt-out: Opt out of marketing communications at any time
• GLBA rights: Receive our GLBA privacy notice and opt out of certain information sharing as permitted by law

To exercise any of these rights, please contact us using the information below.

Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The "Last updated" date at the top of this page indicates when the policy was most recently revised. We encourage you to review this page periodically.

Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how your information is handled, please contact us: