Privacy and Usage
Copyright 2017 by BridgeTrustTitle.com
All information on this website is protected by a compilation copyright in the United States of America and in other countries. In addition, certain information is copyrighted by others. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on the BridgeTrustTitle.com website or its affiliated websites (BridgeTrustTitle.com websites).
Any person is hereby authorized to view the information available from the BridgeTrustTitle.com website for informational purposes only. Except as expressly provided below, no part of the information or other content on this website may be redistributed, copied, reproduced or otherwise used without prior written consent of McGriff Insurance Services, Inc. d/b/a BridgeTrust Title Group.
Disclaimer of Warranties and Limitation of Remedies
THE INFORMATION CONTAINED HEREIN OR ACCESSED THROUGH THIS WEBSITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. References to corporations, their services and products, are provided "as is" without warranty of any kind, either expressed or implied.
IN NO EVENT SHALL MCGRIFF INSURANCE SERVICES, INC. D/B/A BRIDGETRUST TITLE GROUP ("BridgeTrust") AND/OR ITS AFFILIATES BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA, OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF DAMAGE, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS WEBSITE AND/OR ANY INFORMATION CONTAINED THEREIN.
"Affiliates" includes, without limitation, Consumers Title Company, BridgeTrust Title Group, Heritage Title Services, Independent Trustees, James River Title, Lighthouse Title, Parker Title Insurance Agency, Pioneer Title, Ramsay Title Agency, and Surety Land Title.
Statements Relating to Corporate Names and Marks of Third Parties
All references on the BridgeTrustTitle.com websites to the corporate names, trade names, trademarks, and service marks of third parties are intended to accurately identify such parties as the sources of specific products and services. In many instances, the referenced names and marks are the subject of federal, state, and international registrations. BridgeTrustTitle.com makes no claim of any interest or license under any such names and marks of other parties identified in this web server, and BridgeTrustTitle.com acknowledges the proprietary rights of such other parties to their identified names and marks. BridgeTrustTitle.com's use of such names and marks is only for purposes of proper identification, and there is no intention on the part of BridgeTrustTitle.com to improperly use or dilute the proprietary rights of the owners and authorized users of such names and marks.
Products and Services of Third Parties and Hyperlinks to other Websites
Certain products and services made available to you on the BridgeTrustTitle.com website may be provided to you directly by third parties. BridgeTrustTitle.com has attempted to include third party attribution notices where it may not otherwise be apparent to users that the product or service is provided by a third party. Your use of such products and services may be subject to the terms and conditions, and privacy policies of the third parties providing the product or service. We encourage you to review the terms and conditions and privacy policies of such third parties as they may differ from those of BridgeTrustTitle.com. Descriptions of, or references to any third party products, services, publications, or any hyperlinks to other websites within BridgeTrustTitle.com web sites does not imply endorsement of that product, service, publication or company, and does not necessarily represent the views or opinions of BridgeTrustTitle.com. BridgeTrustTitle.com makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. BRIDGETRUST AND ITS AFFILIATES SPECIFICALLY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR OTHERWISE, INCLUDING WITHOUT LIMITATION, ALL WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THIS PUBLICATION COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES MAY BE PERIODICALLY MADE TO THE INFORMATION HEREIN.
Online Information Practices
BridgeTrustTitle.com and its affiliated websites provide information about and access to title and settlement services offered by BridgeTrust and its Affiliates. Such websites are managed by BridgeTrust. This document explains our online information practices when you visit BridgeTrustTitle.com and its affiliated websites. Unless otherwise specified, this policy does not apply to any other websites of any other BB&T company, or to any other websites even if such websites are accessible through BridgeTrustTitle.com. This policy may be modified at any time by changing the notice on this page.
What are Cookies?
A "cookie" is a small file placed on your computer's hard drive by the Web server. Cookies can only be read by the Web server that sent the cookie to your browser, and they cannot be used to retrieve your email address or any personal information stored on your computer. Cookies cannot reveal any personally identifiable information about you. The cookies used by us are NOT data miners or key stroke loggers and do not contain viruses.
To browse anonymously, you may set your browser to disable cookies or delete cookies. (See Disabling Cookies below.) Please note that disabling cookies for some services may impact your ability to use those services.
BridgeTrustTitle.com uses session cookies to assist in delivering some online transactions. Session cookies are no longer active after you log off the service that initiated them and all session cookies are automatically deleted when you close all open browser windows.
Note: Some product features and services provided by BridgeTrustTitle.com require you to accept a cookie in order to be able to use the particular functionality or service.
Email transmitted across the Internet is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential or private information via unsecured email to BridgeTrustTitle.com. We will not ask you to send confidential information to us via email, such as your logon ID, password, account numbers, or Social Security or Tax ID number. You should use the Contact BridgeTrustTitle.com Support form for secure communication. Occasionally, we will retain the content of your email and our replies to confirm proper responses to your questions/requests, to comply with legal and regulatory requirements, and to ensure the consistent delivery of our "World Standard" client service.
We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen. Your child's online privacy is protected by the Children's Online Privacy Protection Act (COPPA). Learn more about COPPA by visiting the Federal Trade Commission's website.
Links to Third Party Websites
BridgeTrustTitle.com may provide you with access to information, products, or services offered on third-party websites through use of hyperlinks that move you from our website to a third party website. We are not responsible for the information practices of sites linked to or from our website. If you choose to access third-party websites through links on our pages, we encourage you to read the privacy and security policies on those sites before you provide personal information. Information obtained from third parties in connection with your transactions with them may be shared with BridgeTrustTitle.com for marketing purposes.
Personally identifiable information such as information you provide to us on contact forms or online applications may be collected on the BridgeTrustTitle.com website. Examples of this type of information include your name, address and Social Security number.
Changes to the Online Information Practices
These Online Information Practices are subject to change at any time. Please review the Online Information Practices at www.bridgetrusttitle.com periodically. To print a copy of these Online Information Practices, use your browser’s print function.
The Online Information Practices were last modified on January 29, 2017.
Consumer Privacy Notice
BridgeTrust Title Group has relationships with many types of financial services providers, such as insurance agencies, banks, consumer finance companies, securities broker-dealers, and mortgage companies. Over our long history as a financial services provider, we have placed the highest value on the information you share with us, and we are committed to protecting your privacy. This commitment forms the cornerstone of trust and confidence on which we hope to build long-lasting relationships with the clients we serve. Our Consumer Privacy Notice ("Notice") reaffirms our commitment to safeguarding your information.
Consumer Privacy Notice
Categories of Information We May Collect
When we provide title insurance and/or settlement and escrow services, we may collect information directly from you (for example, your name, address, telephone number, and Social Security number) and from other sources such as the lender, attorney, or real estate broker that you have chosen in order to provide the products and services you have requested, to service your policy, and to determine your eligibility for other products and services. We may also collect the following categories of information about you, from the following sources:
- Information we receive from you on applications, or other forms and other oral, written, or electronic communications, such as your name, address, Social Security number, assets, and income;
- Information about your transactions with us, other companies in our Corporate Family, or others, such as transaction history, policy coverage, premiums, payment history, and claims history;
- Information collected from our Internet websites, such as information you provide to us and information necessary to manage your online session with us;
- Information about your transaction, including the identity of the real property that you are selling, purchasing, or financing; and
- When we provide settlement services, we may receive information from third parties, including appraisals, loan applications, credit reports, land surveys, loan and escrow account balances, and bank account numbers to facilitate the transaction.
Disclosure of Information to Third Parties
We do not disclose information about you to third parties, except as required or permitted by law. For example, in the course of our general business practices, we may disclose information contained in applications and other forms that we collect, as previously described, to the following types of third parties for the reasons described:
- To a third party to perform a business, professional, or insurance function for us;
- To an insurance company, agent, insurance support organization, or self-insurer to detect or prevent fraud, criminal activity, or misrepresentation in connection with an insurance transaction;
- To an insurance company, agent, or insurance support organization to perform a function in connection with an insurance transaction involving you; and
- To an insurance regulatory authority, law enforcement, or other governmental authority to prevent or prosecute fraud, or if we believe that you have conducted illegal activities.
In addition, where permitted by law, we may disclose the information we collect about you, as previously described, to other companies that perform marketing services on our behalf and to other financial services companies with whom we have joint marketing agreements.
Virginia residents: Unless you tell us not to, we may share information about you with insurance companies and other third parties described above in order to give you appropriate insurance coverage upon expiration of your policy. You may direct us at any time not to share this information by calling BridgeTrust Title Group at 1-877-278-0503.
Information We May Share Within Our Corporate Family
Unless you tell us not to, we may share information about our experiences and transactions with you (such as type of insurance) and identifying information about you (such as your name and address) as well as other information described below with companies within our Corporate Family. We will share this information with our affiliates for the purpose of offering to you or considering you for products, services, or opportunities made available by other affiliate companies. This other information includes the following:
- Information we obtain from your applications or other forms, such as your income, assets, and employment history;
- Information we obtain from a credit bureau, such as your credit history; and
- Information we obtain from others to verify information provided by you, such as your credit or other relationships with third parties.
Companies in our Corporate Family that may receive this information are all financial services companies, including banks, consumer finance companies, securities broker-dealers, insurance agencies, and mortgage companies.
Your Information Choices
How to Tell Us to Limit the Sharing of Information Within Our Corporate Family
If you are a new client, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our client, we continue to share your information as described in this notice.
If you ask us to limit the sharing of information within our corporate family, you may miss learning of financial products and services offered by these companies that might be of benefit to you.
If you prefer that we not share information about you with companies within our Corporate Family, you may direct us at any time not to share (opt out) by calling BridgeTrust Title Group at 1-877-278-0503. We will process your request as soon as we reasonably can. If you have already directed us not to share, you do not need to opt out again. We may continue to share information about you with our affiliates as required or permitted by law. For example, we may share information to enable an affiliate to perform a business function for us. Each company within our Corporate Family will continue to contact its consumer clients with offers of its own products and services. You will continue to receive product messages via your statement(s), as well as telephone and mail offers from affiliate companies with whom you have relationships.
How to Tell Us to Limit Marketing Within Our Corporate Family
Federal law gives you the right to limit some, but not all, marketing from affiliate companies. Federal law also requires us to give you this Notice to tell you about your choice to limit marketing from affiliate companies.
You may limit affiliate companies, such as the banking, lending, insurance, and securities companies, from marketing their products or services to you based on your personal information that they receive from BridgeTrust Title Group. This information may include your Social Security number, income, transaction and claim history, credit reports, and credit scores.
- You may limit marketing offers at any time by calling BridgeTrust Title Group at 1-877-278-0503.
Note: For joint policies, each of the joint policyholders may exercise the right to opt out. We will treat an opt-out direction by one joint policyholder as applying to all of the joint policyholders with respect to that joint policy. For example, if Pat and Kim have a joint policy, Pat’s opt-out direction will also apply to Kim with respect to the joint policy, but not to Kim’s individual policies.
How to Review and Correct Your Personal Information
Under applicable law, you may request to see the personal information about you in our records except for certain documents related to claims and lawsuits. We may direct you to a consumer reporting agency to obtain certain consumer report information.
If you believe that the personal information we have about you in our records is incomplete or inaccurate, please let us know at once, and we will investigate and correct any errors that we find. Your request should be directed to your BridgeTrust Title Group representative. If you believe that the personal information we have about you in our records is incomplete or inaccurate, please let us know at once, and we will investigate and correct any errors that we find. Your request should be directed to your BridgeTrust Title Group representative.
Our Security Procedures
We maintain physical, electronic, and procedural safeguards that comply with federal guidelines to safeguard consumer information. Our employees are bound by our Codes of Ethics and policies to access consumer information only for legitimate business purposes and to keep information about you confidential.
Our Privacy Protections
You may have other privacy protections under some state laws. We will comply with applicable state laws as to information about you. For example, certain state laws may require us to provide you with an additional notice.
If you address is in California, New Mexico, or North Dakota, you will be treated as if you opted out of joint marketing arrangements.
If your address is in Vermont, you will be treated as if you opted out of sharing of information among our Corporate Family and opted out of joint marketing arrangements.
Maine residents: You have the right to know the reasons for an adverse underwriting decision. Previous adverse underwriting decisions may not be used as the basis for subsequent underwriting decisions unless the carrier makes an independent evaluation of the underlying facts. You also have the right, with very narrow exceptions, not to be subjected to pretext interviews.
Please note that the title insurance companies that issue your policies may have personal information about you. Our Notice does not govern their use of information about you. You should review the privacy notices of your title insurance providers to understand how they collect, use, and disclose information.
We will continue to maintain our dedication to protecting your privacy. If you have questions concerning our Notice, please call BridgeTrust Title Group at 1-877-278-0503.
The Consumer Privacy Notice was last modified on July 1, 2018.