Collection and Use of Personal Information
Personal information means any information that may be used to identify you, such as, your name, title, phone number, email address, or mailing address.
In general, you can browse our web site without giving us any personal information. We use several products to analyze traffic to this web site in order to understand our customer’s and visitor’s needs and to continually improve our site for them. We collect only anonymous, aggregate statistics. For example, we do not tie a specific visit to a specific IP address.
Additional activities on our site require you to be registered—for example, to download price offers and several of our design products. As part of the registration process, we collect additional personal information. We use that information for several general purposes: to tell you about products and services if you so request; to fulfill your request; to contact you if we need to obtain or provide additional information; to verify the accuracy of our records; to contact you regarding customer satisfaction surveys.
Disclosure of Personal Information
In some instances we rely on our channel partners to fulfill product trials and information requests, and provide customers and prospective customers with information about Basic concept and its solutions. To do this, we may pass your information to them for that purpose only, and they are prohibited from using that information for any other purpose. Basic concept sometimes hires vendor companies to provide limited services on our behalf. We provide those companies only the information they need to deliver the service, and they are prohibited from using that information for any other purpose.
By using our web site and providing us with your personal data, you consent to this transfer of your personal data.
Basic concept may also disclose your personal information if required to do so by law or in the good faith belief that such action is necessary in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of Basic concept and/or its subsidiaries or to (1) conform to legal requirements or comply with legal process served on Basic concept or this web site; (2) protect and defend the rights or property of Basic concept and this web site; (3) enforce its agreements with you, or (4) act in urgent circumstances to protect personal safety or the public.
Children and Privacy
Our web site does not offer information intended to attract children. Basic concept does not knowingly solicit personal information from children under the age of 13.
A cookie is a small text file containing information that a web site transfers to your computer’s hard disk for record-keeping purposes and allows us to analyze our site traffic patterns. A cookie can not give us access to your computer or to information beyond what you provide to us. Most web browsers automatically accept cookies; consult your browser’s manual or online help if you want information on restricting or disabling the browser’s handling of cookies. If you disable cookies, you can still view the publicly available information on our web site. If are using a shared computer and you have cookies turned on, be sure to log off when you finish.
Links to Other Web Sites
Access to Your Personal Information
You are entitled to access the personal information that we hold. Email your request to firstname.lastname@example.org. An administrative fee may be payable.
Updating Your Personal Information and Unsubscribing
You may update your information or unsubscribe to general mailings at anytime by emailing email@example.com.
Most Asked Questions and Helpful FAQs
The legal answer is “the application of insurance principles to hazards inherent in real estate titles.”
Absolutely; Title insurance is a means of protecting yourself from financial loss in the event that problems develop regarding the rights to ownership of your property. There may be hidden title defects that even the most careful title search will not reveal. In addition to protection from financial loss, title insurance pays the cost of defending against any covered claim.
No other property has a useful life that compares with that of land. Owners die, new ones succeed, but land goes on forever. Owners of goods may change their locations at will, but land is immovable, it lends itself to the absorption of innumerable rights. Over the ages, this so impressed lawyers and jurists that they formed a separate body of laws for land. These laws, creating many types of rights in land, are so numerous and so complex it is impossible for there to be a mathematical certainty of ownership.
Not necessarily. There are two types of Title Insurance. Your lender likely will require that you purchase a Lender’s Policy. This policy only insures that the financial institution has a valid, enforceable lien on the property. Most lenders require this type of insurance, and typically require the borrower to pay for it. An Owner’s Policy on the other hand is designed to protect you from title defects that existed prior to the issue date of your policy. Title troubles, such as improper estate proceedings or pending legal action, could put your equity at serious risk. If a valid claim is filed, in addition to financial loss up to the face amount of the policy, your owner’s title policy covers the full cost of any legal defense of your title.
Anything in the entire ownership of a piece of real estate which may encumber the owner’s right to the “peaceful enjoyment” of the property or which may cause the owner to lose any portion of the property.
Q. The contract I signed makes the sale subject to title to the property's being good. Doesn't that protect me?
If anything should happen to defeat the title, your cause of action would be against the seller, and his ability to pay. Attorney’s fees and expenses would not be covered.
No one can be sure the title is clean.
You notify the title insurance company and they defend the title, even if it goes to court. The title company bears all expenses.
The one-time premium is directly related to the value of your home. Typically, it is less expensive than your annual auto insurance. It is a one-time only expense, paid when you purchase your home. Yet it continues to provide complete coverage for as long as you, or your heirs, own the property.
Florida regulates the rates on the premiums for title insurance. The only costs that may differ would be the actual fees, such as search and examination, closing, and miscellaneous fees such as wire transfers, FedEx or courier fee and endorsements.
You will want to have these items complete or in hand when you come to the closing (please confirm with your escrow officer prior to closing): Buyer Buyer’s copy of purchase agreement Cashier’s check for amount needed to close Proof of purchase of insurance for fire, casualty, etc. Photo identification (passport, driver’s license, or state-issued identification card) Seller Seller’s copy of purchase agreement Any unrecorded instruments that affect the title Proof of satisfaction of any mechanics’ liens, chattel mortgages, judgments, or mortgages that were paid prior to the closing Photo identification (passport, driver’s license, or state-issued identification card)
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