Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of Kansas generally prohibit financial institutions, directly or through any affiliate, from sharing nonpublic personal information (NPI) about our customers with a nonaffiliated third party unless the institution provides the customer with a notice of its privacy policies and practices, such as the type of information that it collects and the categories of persons or entities to whom that information may be disclosed.
OUR PRIVACY POLICIES AND PRACTICES
1. Information we collect and sources from which we collect it:
We may collect nonpublic personal information about our customers from the following sources:
Information on applications, legal documents, and affidavits necessary to issue title insurance policies and/or process the sale of property or to refinance a mortgage loan. Examples of such nonpublic personal information include, but are not limited to, date of birth, social security numbers, sale prices, title insurance policy numbers and amounts of insurance, bank account numbers, credit card numbers, loan numbers, payoff amounts, sale contract information, addresses and phone numbers, and IRS Forms 1099S.
Information about transactions we obtain from our existing files.
Information we receive from others involved in transactions, such as lenders or real estate agents/brokers.
2. Information we disclose to third parties:
We request information for our own legitimate business purposes and not for the benefit of any nonaffiliated party. Therefore, we will not release information to nonaffiliated parties, except: (1) as necessary for us to provide the product or service requested of us; or (2) as permitted by law.
We do not disclose any nonpublic personal information to anyone for any purpose that is not specifically permitted by law.
We may, however, store such information indefinitely, including the period after which any customer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis.
3. Our practices regarding information confidentiality and security:
4. Specific practices to safeguard information:
The Company maintains a clean desk policy, with all non-public information being securely located in locked cabinets or rooms during non-business hours;
Individual company computers are password protected, with only the employee and authorized supervisors having access to the passwords;
The Company prohibits employee use of company computers for personal use and prohibits the personal use of removable media (i.e., thumb drives, floppy disks, etc.);
Employees are prohibited from disclosing information to a person or entity not a party to the transaction without a written request from a party authorized to obtain the information requested;
The Company conducts NPI training sessions for employees on a quarterly basis;
Employees are instructed to use only secure delivery methods when transmitting NPI, such as Zix secure encrypted e-mail or hand delivery; and Off-site information is stored with and NPI documents no longer needed are destroyed by Underground Vaults & Storage, Inc., a regionally recognized document storage/destruction company which certifies maintenance of document and privacy security.
5. Our policy regarding dispute resolution:
Our company is located and our website is hosted in the United States of America and therefore subject to U.S. state and federal law. Our website is intended to serve those in the United States of America. Any questions about our policy or use of your data may be submitted to Charlson and Wilson.
This website is not directed to children and therefore does not attempt to collect any personal information from those under the age of 13.
COLLECTION AND USE OF PERSONAL INFORMATION
Any information you provide voluntarily to Charlson and Wilson including registrations, surveys, download requests, or contact forms on the Charlson and Wilson website will be used only in ways you have authorized. From time to time, we may ask for information that may include your name, e-mail addresses, company name, and phone number. This personally identifiable information is kept confidential. As we value your privacy, we will never give, lease, sell, or otherwise share the information you have given us on our site.
Charlson and Wilson does link to other websites not controlled by Charlson and Wilson. Unfortunately, Charlson and Wilson has no control over how these websites protect your privacy or use information you provide once you leave charlsonandwilson.com. Please visit their individual privacy policies to discover how other websites use your information.
COLLECTION AND USE OF BROWSER INFORMATION AND COOKIES
Our website uses a third party service, Google Analytics, to collect, monitor and analyze information your browser sends whenever you visit pages on our site in order to improve the Charlson and Wilson website and enhance your user experience. Google Analytics places a cookie on your device to accomplish this. This data may include browser type, your computer’s Internet Protocol (“IP”) address, the pages of our site that you visit, when you visit, the page you visited right before accessing our site, time spent on Charlson and Wilson pages, and other statistics. Google Analytics does not collect any personal identifiers such as name or address. From time to time, we may use non-personally-identifying information collected to report, in aggregate, trends and usage of the site.
Charlson and Wilson may use remarketing services such as Google AdWords and Facebook’s retargeting platform to advertise on third-party websites. These ads may be based on the specific pages of the Charlson and Wilson website you visit or whether or not you completed a particular task on our site, for example, submitting a contact form.