Privacy Policy
Effective Date: 10/03/2025

1. Introduction
At Gem Title & Escrow, LLC (“we,” “us,” “our,” or “Company”), we are committed to protecting your privacy and handling your personal information with care. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website gemtitleandescrow.com (the “Site”) or use our services (collectively, the “Services”). By using the Site or Services, you agree to the terms of this Privacy Policy.

2. Information We Collect
We may collect the following types of information:

• Personal Information you provide
   • Name, address, email address, telephone number, social security number or tax ID (where required)
   • Real property address, contract information, settlement details
   • Title, escrow, closing, and escrow account information
   • Financial information (e.g. bank account, wiring instructions, payoff information)
   • Identification documents (e.g. driver’s license, passport)
   • Other information you choose to provide (e.g. via contact forms, emails, uploaded documents)

• Automatically Collected Information / Technical Data
   • IP address, browser type, operating system
   • Pages visited on our Site, date/time stamps, referring/exit pages
   • Cookies, web beacons, log files, usage analytics

• Third-Party Sources
   • Credit reporting agencies, public records, title plants, county recorders, and other third parties for title and escrow services
   • Partners, affiliates, or service providers who share data with us

3. How We Use Your Information
We may use your information for the following purposes:

• To provide, operate, and maintain the Services (including title search, escrow, closing, disbursements)

• To process transactions, fundings, payments, and disbursements

• To verify your identity, perform due diligence, and comply with law

• To communicate with you (e.g., send confirmations, status updates, requests, notices)

• To comply with legal, regulatory, or contractual obligations (e.g. anti-money laundering, recording requirements)

• To improve our Site, Services, or business operations, including analytics and research

• To detect, prevent, or investigate fraud, security breaches, or misuse

• To enforce our terms, policies, or other contractual rights

4. Sharing and Disclosure of Information
We may share your information in the following ways:

• With service providers and vendors who help us perform the Services (e.g. escrow agents, title insurers, recording offices, notaries, courier services)

• With government or regulatory entities as required by law (e.g. county recorders, tax authorities, investigators)

• With lenders, real estate agents, attorneys, and other transaction parties involved in your real estate transaction

• In connection with a merger, acquisition, sale, or reorganization of our business (with notice to you where required)

• To comply with legal obligations, respond to subpoenas, court orders, or regulatory process

• To protect our rights, property or safety, or that of users or the public

5. Cookies and Tracking Technologies
We use cookies, web beacons, analytics tools, and similar technologies to collect technical data, analyze trends, manage the Site, and gather demographic information. You may disable cookies in your browser settings, but that may limit your ability to use certain features of the Site.

6. Data Retention
We retain your personal information only as long as necessary to fulfill the purposes in this Privacy Policy, or as required by law, or as needed to defend or enforce our legal rights. After such period, we will securely delete, anonymize, or destroy your data.

7. Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no security system is perfect. We cannot guarantee absolute security.

8. Your Choices and Rights
Depending on your jurisdiction, you may have the following rights:

• To access, correct, update, or delete your personal information

• To request restriction of processing or object to certain uses

• To withdraw consent where applicable

• To receive a copy of your data in a machine-readable format

• To lodge a complaint with a data protection authority

To exercise your rights, please contact us at the address below. We may ask you to verify your identity before acting on your request.

9. Children’s Privacy
We do not knowingly collect personal information from children under age 13 (or higher age where applicable). If you believe we have collected such information, please contact us immediately and we will take steps to delete it.

10. International Transfers
If your data is transferred to, stored, or processed in a jurisdiction outside the U.S., we will ensure appropriate safeguards (e.g. contracts, data transfer agreements) to protect your information.

11. Third-Party Links
Our Site may include links to third-party websites or services. This Privacy Policy does not apply to those third parties. Please review their privacy policies to understand how they handle your information.

12. Changes to This Policy
We may update this Privacy Policy from time to time. We will post a revised version on the Site with a new “Effective Date.” Your continued use of the Site or Services after changes constitutes acceptance of the updated policy.

13. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, please contact:

Gem Title & Escrow, LLC
Address: 2429 David Blvd, Fort Lauderdale, Florida 33312
Email: contact@gemtitleandescrow.com
Phone: +1 (786) 235-8425