Privacy Policy

NorthStar Title Agency Privacy Notice

Last updated: August 22, 2024

NorthStar Title Agency ("NorthStar," "our," or "we") is dedicated to ensuring the privacy and security of your personal information. This Privacy Notice provides a detailed explanation of how we collect, utilize, and protect your data, under what circumstances we may share it, and the options you have regarding its use and disclosure.

Personal Information

NorthStar does not disclose your Nonpublic Personal Information (NPI) for any purpose not specifically permitted by law. NorthStar may gather the following types of Personal Information:

Biometric Data: Such as fingerprints, retina or iris scans, voiceprints, or other unique biological characteristics.

Contact Information: Such as your name, address, phone number, and email address.

Demographic Information: Including your date of birth, gender, and marital status.

Financial Information: Including details about your loans or bank accounts.

Identity Information: Such as your Social Security Number, driver’s license, passport, or other government-issued identification numbers.

Other Information: Any additional personal information required to provide you with our products or services.

We may obtain Personal Information about you from the following sources:

Directly from You or Your Agent: Information you or your representative provide to us.

External Sources: Information we receive from consumer reporting agencies or governmental entities, whether directly or through intermediaries.

Transaction Records: Details of your interactions with NorthStar, our affiliates, or other parties.

Browsing Information

NorthStar may automatically gather the following types of Browsing Information when you access NorthStar websites, online services, or applications (collectively, “NorthStar Websites”) while using your Internet browser, computer, or device:

Browser Details: Such as your browser version, language preferences, and type.

Browsing History: Details of your interactions with our website, including the date and time of your visit and the pages you viewed.

Domain Name Requests: Information related to the domain names you request.

Internet Protocol (IP) Address and Operating System: The unique address of your device and the system it uses.

As with most websites, our servers may log visitor activity on NorthStar Websites and may collect Browsing Information. We utilize this information for purposes such as system administration, troubleshooting, fraud detection, and website performance improvement.

While Browsing Information typically does not identify you personally, if you have created and logged into a user account on a NorthStar Website, we may be able to link some browsing activities to your account.

Beacons, Cookies, External Links and Tracking

Beacons

Web beacons are employed to monitor the frequency and timing of visits to pages. This tracking information is used to optimize our websites.

Cookies

When you access a NorthStar Website, a "cookie" might be stored on your device. A cookie is a small piece of data sent by a web server and saved on your computer's hard drive via your browser. Cookies help us enhance your experience by ensuring the website functions correctly and by customizing the content to align with your browser settings and preferences. You have the option to accept or reject cookies by modifying your browser settings, though disabling cookies may reduce the functionality of the NorthStar Website.

External Links

NorthStar Websites may include links to websites operated by third parties, which

are not under our control. NorthStar is not responsible for the privacy practices or

the content of those external sites. We advise reviewing the privacy policies of any

third-party websites you choose to visit.

Tracking

Currently, NorthStar Websites may not react to "Do Not Track" signals that may be

set in your browser preferences.

Personal Information Utilization

NorthStar utilizes Personal Information primarily for the following purposes:

Communication: To inform you about our products and services, as well as those of our affiliates and partners, either jointly or separately.

Enhancement of Services: To refine and improve our offerings.

Fraud Prevention: To detect and prevent fraudulent activities.

Identity Verification: To verify and authenticate identities and credentials.

Security Maintenance: To ensure the security of our systems, tools, accounts, and applications.

Service Provision: To deliver products and services to you or in connection with transactions that involve you.

Testimonials and Reviews: To collect and share reviews and testimonials about our services, with your consent.

Disclosure of Information

We may share the categories of Personal Information and Browsing Information outlined above under the following circumstances:

Crime and Fraud Prevention: To detect or prevent criminal activity, fraud, significant misrepresentation, or nondisclosure.

Service Providers: With affiliated or nonaffiliated service providers who perform services on our behalf and have agreed to use the information solely for the purpose of providing those services.

Joint Marketing: With affiliated or nonaffiliated third parties with whom we engage in joint marketing efforts, under an agreement to market financial products or services to you.

Legal Obligations: To law enforcement or authorities as part of an investigation or in response to a subpoena or court order.

Legal Compliance: In good faith, if it is deemed necessary to disclose information to comply with legal processes, adhere to applicable laws, or safeguard the rights, property, or safety of NorthStar, our clients, or the public.

Certain disclosures are permitted by law without requiring your prior authorization, and you may not limit these disclosures. We may also disclose your information to third parties when you have provided us with explicit authorization or consent to do so. We do not share your Personal Information or Browsing Information with nonaffiliated third parties, except as permitted or required by law.

We also reserve the right to transfer your Personal Information, Browsing Information, and any other related data in connection with the sale or transfer of all or part of NorthStar's business or assets, or in cases of bankruptcy, reorganization, insolvency, receivership, or an assignment for the benefit of creditors. By electing to submit your Personal Information and/or Browsing Information to NorthStar, you are granting your explicit consent for us to utilize and/or transfer this information as necessary within the scope of any relevant proceedings, including those related to the sale of our business, reorganization efforts, legal compliance, or other significant events outlined in this notice.

Information Security

At NorthStar, we are deeply committed to safeguarding your Nonpublic Personal Information (NPI) through a robust security framework. We implement a comprehensive strategy that includes physical, electronic, and procedural safeguards designed to protect your data from unauthorized access, use, or disclosure. Our approach is based on the principle of defense in depth, where multiple layers of security controls are deployed to create a resilient barrier against potential threats. This layered security ensures that even if one defense is compromised, additional measures are in place to guard against breaches and protect your sensitive information.

Options Regarding Your Information

The decision to provide Personal Information or Browsing Information to NorthStar is entirely voluntary. However, please be aware that if you choose not to share certain information, NorthStar may be unable to offer you certain services or products.

State-Specific Privacy Rights

California Residents: NorthStar will not share your Personal Information or Browsing Information with nonaffiliated third parties, except as permitted by California law. For more details on your California privacy rights, please visit our “California Privacy” section on our website www.NorthstarTitleAgency.com or contact us at 844-212-6782.

Connecticut Residents: To learn more about your Connecticut privacy rights, to submit a privacy request, or to appeal a previous decision regarding your privacy request, please email us at Compliance@AZNorthStar.com  or call 844-212-6782.

Colorado Residents: For information about your privacy rights in Colorado, to make a privacy request, or to appeal a previous decision, please contact us via email at Compliance@AZNorthStar.com  or by calling 844-212-6782.

Nevada Residents: As required by Nevada law, you can request to be placed on our internal Do Not Call List by contacting NorthStar Privacy at 844-212-6782 or using the contact information provided at the end of this Privacy Notice. For further information about Nevada’s telephone solicitation law, you may reach out to the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone: (702) 486-3132; Email: aginquiries@ag.state.nv.us.

Oregon Residents: NorthStar will not share your Personal Information or Browsing Information with nonaffiliated third parties for marketing purposes unless we inform you and you may opt-out. For further information about your Oregon privacy rights or to submit a privacy request, please email us at Compliance@AZNorthStar.com  or call 844-212-6782.

Texas Residents: For additional information on your privacy rights in Texas, to submit a privacy request, or to appeal a previous decision, please email us at Compliance@AZNorthStar.com or call 844-212-6782.

We may share your Personal Information and Browsing Information with the following third parties:

o Affiliates and Subsidiaries: Companies within the NorthStar group for business operations.

o Business Transactions: In the event of a sale or transfer of our business.

o Legal Authorities: For compliance with legal obligations or investigations.

o Service Providers: Third parties that perform services on our behalf, under strict confidentiality.

o With Your Consent: Nonaffiliated third parties when you have given explicit permission.

Utah Residents: To learn more about your Utah privacy rights or to make a privacy request, please contact us at 844-212-6782.

Vermont Residents: NorthStar will not disclose your creditworthiness information to our affiliates and will not share your personal, financial, credit, or health information with nonaffiliated third parties for marketing purposes unless permitted by Vermont law or authorized by you.

Virginia Residents: For more details on your Virginia privacy rights, to submit a privacy request, or to appeal a previous decision, please email us at Compliance@AZNorthStar.com or call 844-212-6782.

Information of Children

NorthStar Websites are not intended for individuals under the age of eighteen (18). We do not knowingly collect Personal Information from children under the age of thirteen (13) without obtaining consent from a parent or guardian.

International Users

NorthStar's offices are based in the United States. If you are located outside the U.S. and decide to share your Personal Information or Browsing Information with us, please be aware that your data may be transferred to and processed in the United States. By providing your information to NorthStar, you consent to its collection, transfer, and use as outlined in this Privacy Notice.

Privacy Notice and Future Amendments

By submitting your Personal Information and/or Browsing Information to NorthStar, you are agreeing to the collection and use of your data as outlined in this Privacy Notice. We may update or modify this Privacy Notice at any time. The date of the most recent update will be reflected at the top of this notice. If you continue to provide us with your information after any changes have been made, it will signify your acceptance of the revised terms.

Your Right to Access and Correct Personal Information

Depending on your location, you may have the right to access your Personal Information and, in certain circumstances, learn who has received your data. Additionally, you have the right to request the correction, modification, or deletion of your Personal Information. We may, as permitted by law, charge a reasonable fee to process these requests.

All requests for accessing, updating, or deleting your Personal Information should be submitted in writing to:

NorthStar Title Agency

15051 N. Kierland Blvd

3rd Floor

Scottsdale, AZ 85254

Attn: Compliance and Privacy