HomeMy WebLinkAboutL_Title_Report_180423_v1ALTA COMMITMENT FOR TITLE INSURANCE
Commitment Number:
Issued By agent:
0104578-04
Copyright American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as
of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
ALTA Commitment (Adopted: 06.17.2006)Printed: 07.27.17 @ 03:01 PM
Page 1 WA-CT-FNSE-02150.622474-SPS-1-17-0104578-04
CHICAGO TITLE INSURANCE COMPANY, a Florida corporation (“Company”), for a valuable consideration, commits to
issue its policy or policies of title insurance, as identified in Schedule A, in favor of the Proposed Insured named in
Schedule A, as owner or mortgagee of the estate or interest in the land described or referred to in Schedule A, upon
payment of the premiums and charges and compliance with the Requirements; all subject to the provisions of Schedules A
and B and to the Conditions of this Commitment.
This Commitment shall be effective only when the identity of the Proposed Insured and the amount of the policy or policies
committed for have been inserted in Schedule A by the Company.
All liability and obligation under this Commitment shall cease and terminate six (6) months after the Effective Date or when
the policy or policies committed for shall issue, whichever first occurs, provided that the failure to issue the policy or
policies is not the fault of the Company.
The Company will provide a sample of the policy form upon request.
This Commitment shall not be valid or binding until countersigned by a validating officer or authorized signatory.
IN WITNESS WHEREOF,CHICAGO TITLE INSURANCE COMPANY has caused its corporate name and seal to be
affixed by its duly authorized officers on the date shown in Schedule A.
Chicago Title Insurance Company
By:
Countersigned By:
Authorized Officer or Agent
President
Attest:
Secretary
Copyright American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as
of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
ALTA Commitment (Adopted: 06.17.2006)Printed: 07.27.17 @ 03:01 PM
Page 2 WA-CT-FNSE-02150.622474-SPS-1-17-0104578-04
CHICAGO TITLE COMPANY OF WASHINGTON COMMITMENT NO.0104578-04
ISSUING OFFICE:FOR SETTLEMENT INQUIRIES, CONTACT:
Title Officer: Unit 4 / Seattle Residential
Chicago Title Company of Washington
701 5th Avenue, Suite 2700
Seattle, WA 98104
Main Phone: (206)628-5600
Email: CTISeattleTitleUnit4@ctt.com
Escrow Officer: Tri Pham
Tran Law Group
787 Maynard Ave S
Seattle, WA 98174
Main Phone: (206)625-4091
Email: tri.pham@tranlawfirm.com
SCHEDULE A
ORDER NO.0104578-04
1. Effective Date: July 14, 2017 at 08:00 AM
2. Policy or Policies to be issued:
a.ALTA Homeowner's Policy of Title Insurance 2010
Proposed Insured:Jane Wang, Presumptively subject to the community interest of a spouse or registered
domestic partner, if married or a registered domestic partner
Policy Amount:$749,995.00
Premium: $1,821.00
Tax: $183.92
Rate:Homeowner's
Total: $2,004.92
3. The estate or interest in the land described or referred to in this Commitment is:
FEE SIMPLE
4. Title to the estate or interest in the land is at the Effective Date vested in:
Thinh Pham and Thuy T. Le, husband and wife and Thanh Son Le, as his separate estate
5. The land referred to in this Commitment is described as follows:
SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF
END OF SCHEDULE A
EXHIBIT "A"
Legal Description
Copyright American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as
of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
ALTA Commitment (Adopted: 06.17.2006)Printed: 07.27.17 @ 03:01 PM
Page 3 WA-CT-FNSE-02150.622474-SPS-1-17-0104578-04
For APN/Parcel ID(s):619840-0125-01
LOT 6, BLOCK 1, NORTHWESTERN GARDEN TRACTS, DIVISION NO. 4, ACCORDING TO THE PLAT
THEREOF, RECORDED IN VOLUME 47 OF PLATS, PAGE 74, IN KING COUNTY, WASHINGTON;
EXCEPT THE EAST 30 FEET THEREOF;
SITUATE IN THE COUNTY OF KING, STATE OF WASHINGTON.
CHICAGO TITLE COMPANY OF WASHINGTON COMMITMENT NO.0104578-04
SCHEDULE B
Copyright American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as
of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
ALTA Commitment (Adopted: 06.17.2006)Printed: 07.27.17 @ 03:01 PM
Page 4 WA-CT-FNSE-02150.622474-SPS-1-17-0104578-04
Schedule B of the policy or policies to be issued will contain exceptions to the following matters unless the same are
disposed of to the satisfaction of the Company:
GENERAL EXCEPTIONS:
A. Rights or claims of parties in possession, or claiming possession, not shown by the Public Records.
B. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be
disclosed by an accurate and complete survey of the land.
C. Easements, prescriptive rights, rights of way, liens or encumbrances, or claims thereof not disclosed by the
Public Records.
D. Any lien, or right to a lien, for contributions to the employee benefit funds, of for state workers compensation, or
for services, labor, or material heretofore or hereafter furnished, all as imposed by law, and not shown by the
Public Records.
E. Taxes or special assessments which are not yet payable or which are not shown as existing liens by the Public
Records.
F. Any lien for service, installation, connection, maintenance, tap, capacity or construction or similar charges for
sewer, water, electricity, natural gas or other utilities, or for garbage collection and disposal not shown by the
Public Records.
G. Unpatented mining claims, and all rights relating thereto.
H. Reservations and exceptions in United States Patents or in Acts authorizing the issuance thereof.
I. Indian tribal codes or regulations, Indian treaty or aboriginal rights, including easements or equitable servitudes.
J. Water rights, claims or title to water.
K. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the public
records or attaching subsequent to the Effective Date but prior to the date the Proposed Insured acquires for value
of record the estate or interest or mortgage thereon covered by this Commitment.
CHICAGO TITLE COMPANY OF WASHINGTON COMMITMENT NO.0104578-04
SCHEDULE B
(continued)
Copyright American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as
of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
ALTA Commitment (Adopted: 06.17.2006)Printed: 07.27.17 @ 03:01 PM
Page 5 WA-CT-FNSE-02150.622474-SPS-1-17-0104578-04
SPECIAL EXCEPTIONS
1.Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document:
Granted to: Southeasterly adjoining property owners
Purpose: Ingress, egress and utilities
Recording Date: December 27, 1993
Recording No.: 9312272116
Affects: The south 9 feet of the west 300 feet of said premises
2.Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document:
Granted to: Puget Sound Energy, Inc.
Purpose: Transmission, distribution and sale of electricity
Recording Date: January 25, 2007
Recording No.: 20070125002381
Affects: Portion of said premises
3.Covenants, conditions, restrictions, recitals, reservations, easements, easement provisions, dedications, building
setback lines, notes, statements, and other matters, if any, but omitting any covenants or restrictions, if any,
including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, marital
status, disability, handicap, national origin, ancestry, or source of income, as set forth in applicable state or federal
laws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth on Plat of
Northwestern Garden Tracts Division No. 4:
Recording No: 4049747
4.Reservations and exceptions in United States Patents or in Acts authorizing the issuance thereof; Indian treaty or
aboriginal rights.
5.Payment of the real estate excise tax, if required.
The Land is situated within the boundaries of local taxing authority of the City of Renton.
Present rate of real estate excise tax as of the date herein is 1.78 percent.
Any conveyance document must be accompanied by the official Washington State Excise Tax Affidavit. The
applicable excise tax must be paid and the affidavit approved at the time of the recording of the conveyance
documents. (NOTE: Real Estate Excise Tax Affidavits must be printed as legal size forms).
An additional $5.00 Electronic Technology Fee must be included in all excise tax payments.
If the transaction is exempt, an additional $5.00 Affidavit Processing Fee is required.
CHICAGO TITLE COMPANY OF WASHINGTON COMMITMENT NO.0104578-04
SCHEDULE B
(continued)
Copyright American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as
of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
ALTA Commitment (Adopted: 06.17.2006)Printed: 07.27.17 @ 03:01 PM
Page 6 WA-CT-FNSE-02150.622474-SPS-1-17-0104578-04
6.General and special taxes and charges, payable February 15, delinquent if first half unpaid on May 1, second half
delinquent if unpaid on November 1 of the tax year (amounts do not include interest and penalties):
Year: 2017
Tax Account Number: 619840-0125-01
Levy Code: 2128
Assessed Value-Land: $240,000.00
Assessed Value-Improvements: $122,000.00
General and Special Taxes: Billed: $4,682.61
Paid: $2,341.31
Unpaid: $2,341.30
7.A deed of trust to secure an indebtedness in the amount shown below,
Amount: $215,600.00
Dated: August 3, 2012
Trustor/Grantor: Thinh Pham and Thuy T. Le, husband and wife, and Thanh Son Le, an unmarried man
Trustee: ReconTrust Company, N.A.
Beneficiary: Bank of America, N.A.
Loan No: 14157350242983739
Recording Date: August 21, 2012
Recording No.: 20120821001680
8.Soos Creek Water and Sewer District Memorandum of Developer Extension Reimbursement Agreement, and the
terms and conditions thereof:
Recording Date: January 6, 2009
Recording No.: 20090106001235
9.Soos Creek Water and Sewer District Memorandum of Developer Extension Reimbursement Agreement, and the
terms and conditions thereof:
Recording Date: January 6, 2009
Recording No.: 20090106001236
10.We find various matters of record against persons/entities with name(s) similar to Thinh Pham.
The Company requires that the Confidential Information Statement(s) attached to this commitment be completed
and returned to this office in a timely manner in order for the Company to make a final determination as to the
effect of said matters.
CHICAGO TITLE COMPANY OF WASHINGTON COMMITMENT NO.0104578-04
SCHEDULE B
(continued)
Copyright American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as
of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
ALTA Commitment (Adopted: 06.17.2006)Printed: 07.27.17 @ 03:01 PM
Page 7 WA-CT-FNSE-02150.622474-SPS-1-17-0104578-04
11.We find various matters of record against persons/entities with name(s) similar to Thuy T. Le.
The Company requires that the Confidential Information Statement(s) attached to this commitment be completed
and returned to this office in a timely manner in order for the Company to make a final determination as to the
effect of said matters.
12.Matters which may be disclosed by a search of the records against the name of the spouse or domestic partner of
Thanh Son Le, if married or a member of a registered domestic partnership.
13.In the event that the Land is occupied or intended to be occupied by the owner and a spouse or registered
domestic partner as a homestead, the conveyance or encumbrance of the Land must be executed and
acknowledged by both spouses or both registered domestic partners, pursuant to RCW 6.13 which now provides
for an automatic homestead on such Land.
14.We find various matters of record against persons/entities with name(s) similar to Thanh Son Le.
The Company requires that the Confidential Information Statement(s) attached to this commitment be completed
and returned to this office in a timely manner in order for the Company to make a final determination as to the
effect of said matters.
15.Title is to vest in Jane Wang and will be subject to:
a.Matters which may be disclosed by a search of the records against the name of the spouse or domestic
partner of Jane Wang, if married or a member of a registered domestic partnership.
b.If the proposed insured is a married person or member of a registered domestic partnership acquiring title
as his/her separate estate, the Company will require a Deed be executed by the spouse or registered
domestic partner of the proposed insured to establish separate property.
A deed from the spouse or registered domestic partner will not eliminate the requirement that both
spouses or registered domestic partners execute any new monetary encumbrances to comply with the
automatic homestead provisions of RCW 6.13.060 if both spouses or registered domestic partners intend
to reside on the Land.
END OF EXCEPTIONS
CHICAGO TITLE COMPANY OF WASHINGTON COMMITMENT NO.0104578-04
SCHEDULE B
(continued)
Copyright American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as
of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
ALTA Commitment (Adopted: 06.17.2006)Printed: 07.27.17 @ 03:01 PM
Page 8 WA-CT-FNSE-02150.622474-SPS-1-17-0104578-04
NOTES
The following matters will not be listed as Special Exceptions in Schedule B of the policy. There will be no coverage for
loss arising by reason of the matters listed below because these matters are either excepted or excluded from coverage or
are not matters covered under the insuring provisions of the policy.
Note A:Notice: Please be aware that due to the conflict between federal and state laws concerning the
cultivation, distribution, manufacture or sale of marijuana, the Company is not able to close or insure any
transaction involving Land that is associated with these activities.
Note B:Your application for title insurance was placed by reference to only a street address or tax identification
number. Based on our records, we believe that the legal description in this report covers the parcel(s)
of Land that you requested. If the legal description is incorrect, the seller/borrower must notify the
Company and/or the settlement company in order to prevent errors and to be certain that the correct
parcel(s) of Land will appear on any documents to be recorded in connection with this transaction and
on the policy of title insurance.
Note C:Note: FOR INFORMATIONAL PURPOSES ONLY:
The following may be used as an abbreviated legal description on the documents to be recorded, per
Amended RCW 65.04.045. Said abbreviated legal description is not a substitute for a complete legal
description within the body of the document:
LT 6, BLK 1, NORTHWESTERN GARDEN TRACTS, DIV NO. 4, VOL 47, PG 74
Tax Account No.: 619840-0125-01
Note D:The Public Records indicate that the address of the improvement located on said Land is as follows:
19016 116th Avenue Southeast
Renton, WA 98058
Note E:Note: There are NO conveyances affecting said Land recorded within 36 months of the date of this
report.
Note F:Note: The Company is willing to issue an Extended Coverage Lenders Policy. General Exceptions A
through K, inclusive, are hereby deleted.
ALTA 22-06, ALTA 8.1 and ALTA 9-06 Endorsements will issue with the forthcoming lenders policy.
CHICAGO TITLE COMPANY OF WASHINGTON COMMITMENT NO.0104578-04
SCHEDULE B
(continued)
Copyright American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as
of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
ALTA Commitment (Adopted: 06.17.2006)Printed: 07.27.17 @ 03:01 PM
Page 9 WA-CT-FNSE-02150.622474-SPS-1-17-0104578-04
Note G:This map/plat is being furnished as an aid in locating the herein described Land in relation to adjoining
streets, natural boundaries and other land. Except to the extent of a policy of title insurance is expressly
modified by endorsement, if any, the Company does not insure dimensions, distances or acreage
shown thereon.
END OF NOTES
END OF SCHEDULE B
CHICAGO TITLE COMPANY OF WASHINGTON COMMITMENT NO.0104578-04
Copyright American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as
of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
ALTA Commitment (Adopted: 06.17.2006)Printed: 07.27.17 @ 03:01 PM
Page 10 WA-CT-FNSE-02150.622474-SPS-1-17-0104578-04
CONDITIONS
1. The term mortgage, when used herein, shall include deed of trust, trust deed, or other security instrument.
2. If the proposed Insured has or acquired actual knowledge of any defect, lien, encumbrance, adverse claim or other matter affecting the estate or
interest or mortgage thereon covered by this Commitment other than those shown in Schedule B hereof, and shall fail to disclose such knowledge
to the Company in writing, the Company shall be relieved from liability for any loss or damage resulting from any act of reliance hereon to the
extent the Company is prejudiced by failure to so disclose such knowledge. If the proposed Insured shall disclose such knowledge to the
Company, or if the Company otherwise acquires actual knowledge of any such defect, lien, encumbrance, adverse claim or other matter, the
Company at its option may amend Schedule B of this Commitment accordingly, but such amendment shall not relieve the Company from liability
previously incurred pursuant to paragraph 3 of these Conditions.
3. Liability of the Company under this Commitment shall be only to the named proposed Insured and such parties included under the definition of
Insured in the form of policy or policies committed for and only for actual loss incurred in reliance hereon in undertaking in good faith (a) to comply
with the requirements hereof, or (b) to eliminate exceptions shown in Schedule B, or (c) to acquire or create the estate or interest or mortgage
thereon covered by this Commitment. In no event shall such liability exceed the amount stated in Schedule A for the policy or policies committed
for and such liability is subject to the insuring provisions and Conditions and the Exclusions from Coverage of the form of policy or policies
committed for in favor of the proposed Insured which are hereby incorporated by reference and are made a part of this Commitment except as
expressly modified herein.
4. This Commitment is a contract to issue one or more title insurance policies and is not an abstract of title or a report of the condition of title. Any
action or actions or rights of action that the proposed Insured may have or may bring against the Company arising out of the status of the title to
the estate or interest or the status of the mortgage thereon covered by this Commitment must be based on and are subject to the provisions of this
Commitment.
5.The policy to be issued contains an arbitration clause. All arbitrable matters when the Amount of Insurance is $2,000,000 or less shall be
arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. You may review a copy of the arbitration rules
at http://www.alta.org.
END OF CONDITIONS
RECORDING REQUIREMENTS
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Effective January 1, 1997, document format and content requirements have been imposed by Washington Law.
Failure to comply with the following requirements may result in rejection of the document by the county recorder or
imposition of a $50.00 surcharge.
First page or cover sheet:
3" top margin containing nothing except the return address.
1" side and bottom margins containing no markings or seals.
Title(s) of documents.
Recording no. of any assigned, released or referenced document(s).
Grantors names (and page no. where additional names can be found).
Grantees names (and page no. where additional names can be found).
Abbreviated legal description (Lot, Block, Plat Name or Section, Township, Range and Quarter, Quarter Section
for unplatted). Said abbreviated legal description is not a substitute for a complete legal description which must
also appear in the body of the document.
Assessor’s tax parcel number(s).
Return address (in top 3" margin).
**A cover sheet can be attached containing the above format and data if the first page does not contain all
required data.
Additional Pages:
1" top, side and bottom margins containing no markings or seals.
All Pages:
No stapled or taped attachments. Each attachment must be a separate page. All notary and other pressure seals
must be smudged for visibility. Font size of 8 points or larger.
Privacy Statement Printed: 07.27.17 @ 03:01 PM by KB
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FIDELITY NATIONAL FINANCIAL
PRIVACY NOTICE
Effective: May 1, 2015; Last Updated: March 1, 2017
At Fidelity National Financial, Inc., we respect and believe it is important to protect the privacy of consumers and our
customers. This Privacy Notice explains how we collect, use, and protect any information that we collect from you, when and
to whom we disclose such information, and the choices you have about the use of that information. A summary of the Privacy
Notice is below, and we encourage you to review the entirety of the Privacy Notice following this summary. You can opt-out
of certain disclosures by following our opt-out procedure set forth at the end of this Privacy Notice.
Types of Information Collected. You may provide us
with certain personal information about you, like your
contact information, address demographic information,
social security number (SSN), driver's license, passport,
other government ID numbers and/or financial information.
We may also receive browsing information from your
Internet browser, computer and/or mobile device if you visit
or use our websites or applications.
How Information is Collected. We may collect personal
information from you via applications, forms, and
correspondence we receive from you and others related to
our transactions with you. When you visit our websites
from your computer or mobile device, we automatically
collect and store certain information available to us
through your Internet browser or computer equipment to
optimize your website experience.
Use of Collected Information. We request and use your
personal information to provide products and services to
you, to improve our products and services, and to
communicate with you about these products and services.
We may also share your contact information with our
affiliates for marketing purposes.
When Information Is Disclosed. We may disclose your
information to our affiliates and/or nonaffiliated parties
providing services for you or us, to law enforcement
agencies or governmental authorities, as required by law,
and to parties whose interest in title must be determined.
Choices With Your Information. Your decision to
submit information to us is entirely up to you. You can
opt-out of certain disclosure or use of your information or
choose to not provide any personal information to us.
Information From Children. We do not knowingly collect
information from children who are under the age of 13, and
our website is not intended to attract children.
Privacy Outside the Website. We are not responsible for
the privacy practices of third parties, even if our website
links to those parties' websites.
International Users. By providing us with you
information, you consent to its transfer, processing and
storage outside of your country of residence, as well as the
fact that we will handle such information consistent with
this Privacy Notice.
The California Online Privacy Protection Act. Some FNF companies provide services to mortgage loan servicers and,
in some cases, their websites collect information on behalf of mortgage loan servicers. The mortgage loan servicer is
responsible for taking action or making changes to any consumer information submitted through those websites.
Your Consent To This Privacy Notice. By submitting
information to us or by using our website, you are
accepting and agreeing to the terms of this Privacy Notice.
Access and Correction; Contact Us. If you desire to
contact us regarding this notice or your information, please
contact us at privacy@fnf.com or as directed at the end of
this Privacy Notice.
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FIDELITY NATIONAL FINANCIAL
PRIVACY NOTICE
Effective: May 1, 2015; Last Updated: March 1, 2017
Fidelity National Financial, Inc. and its majority-owned subsidiary companies providing title insurance, real estate-
and loan-related services (collectively, "FNF", "our" or "we") respect and are committed to protecting your privacy.
We will take reasonable steps to ensure that your Personal Information and Browsing Information will only be used
in compliance with this Privacy Notice and applicable laws. This Privacy Notice is only in effect for Personal
Information and Browsing Information collected and/or owned by or on behalf of FNF, including Personal
Information and Browsing Information collected through any FNF website, online service or application
(collectively, the "Website").
Types of Information Collected
We may collect two types of information from you: Personal Information and Browsing Information.
Personal Information. FNF may collect the following categories of Personal Information:
• contact information (e.g., name, address, phone number, email address);
• demographic information (e.g., date of birth, gender, marital status);
• social security number (SSN), driver's license, passport, and other government ID numbers;
• financial account information; and
• other personal information needed from you to provide title insurance, real estate- and loan-related services to
you.
Browsing Information. FNF may collect the following categories of Browsing Information:
• Internet Protocol (or IP) address or device ID/UDID, protocol and sequence information;
• browser language and type;
• domain name system requests;
• browsing history, such as time spent at a domain, time and date of your visit and number of clicks;
• http headers, application client and server banners; and
• operating system and fingerprinting data.
How Information is Collected
In the course of our business, we may collect Personal Information about you from the following sources:
• applications or other forms we receive from you or your authorized representative;
• the correspondence you and others send to us;
• information we receive through the Website;
• information about your transactions with, or services performed by, us, our affiliates or nonaffiliated third
parties; and
• information from consumer or other reporting agencies and public records maintained by governmental
entities that we obtain directly from those entities, our affiliates or others.
If you visit or use our Website, we may collect Browsing Information from you as follows:
• Browser Log Files. Our servers automatically log each visitor to the Website and collect and record certain
browsing information about each visitor. The Browsing Information includes generic information and reveals
nothing personal about the user.
• Cookies. When you visit our Website, a "cookie" may be sent to your computer. A cookie is a small piece of
data that is sent to your Internet browser from a web server and stored on your computer's hard drive. When
you visit a website again, the cookie allows the website to recognize your computer. Cookies may store user
preferences and other information. You can choose whether or not to accept cookies by changing your
Internet browser settings, which may impair or limit some functionality of the Website.
Use of Collected Information
Information collected by FNF is used for three main purposes:
• To provide products and services to you or any affiliate or third party who is obtaining services on your behalf
or in connection with a transaction involving you.
• To improve our products and services.
• To communicate with you and to inform you about our, our affiliates' and third parties' products and services,
jointly or independently.
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When Information Is Disclosed
We may provide your Personal Information (excluding information we receive from consumer or other credit
reporting agencies) and Browsing Information to various individuals and companies, as permitted by law, without
obtaining your prior authorization. Such laws do not allow consumers to restrict these disclosures. Please see the
section "Choices With Your Personal Information" to learn how to limit the discretionary disclosure of your
Personal Information and Browsing Information.
Disclosures of your Personal Information may be made to the following categories of affiliates and nonaffiliated
third parties:
• to third parties to provide you with services you have requested, and to enable us to detect or prevent criminal
activity, fraud, material misrepresentation, or nondisclosure;
• to our affiliate financial service providers for their use to market their products or services to you;
• to nonaffiliated third party service providers who provide or perform services on our behalf and use the
disclosed information only in connection with such services;
• to nonaffiliated third party service providers with whom we perform joint marketing, pursuant to an agreement
with them to market financial products or services to you;
• to law enforcement or other governmental authority in connection with an investigation, or civil or criminal
subpoena or court order;
• to lenders, lien holders, judgment creditors, or other parties claiming an interest in title whose claim or interest
must be determined, settled, paid, or released prior to closing; and
• other third parties for whom you have given us written authorization to disclose your Personal Information.
We may disclose Personal Information and/or Browsing Information when required by law or in the good-faith
belief that such disclosure is necessary to:
• comply with a legal process or applicable laws;
• enforce this Privacy Notice;
• investigate or respond to claims that any material, document, image, graphic, logo, design, audio, video or any
other information provided by you violates the rights of a third party; or
• protect the rights, property or personal safety of FNF, its users or the public.
We maintain reasonable safeguards to keep your Personal Information secure. When we provide Personal
Information to our affiliates or third party service providers as discussed in this Privacy Notice, we expect that
these parties process such information in compliance with our Privacy Notice or in a manner that is in compliance
with applicable privacy laws. The use of your information by a business partner may be subject to that party's own
Privacy Notice. Unless permitted by law, we do not disclose information we collect from consumer or credit
reporting agencies with our affiliates or others without your consent.
We reserve the right to transfer your Personal Information, Browsing Information, and any other information, in
connection with the sale or other disposition of all or part of the FNF business and/or assets, or in the event of our
bankruptcy, reorganization, insolvency, receivership or an assignment for the benefit of creditors. You expressly
agree and consent to the use and/or transfer of the foregoing information in connection with any of the above
described proceedings. We cannot and will not be responsible for any breach of security by a third party or for any
actions of any third party that receives any of the information that is disclosed to us.
Choices With Your Information
Whether you submit Personal Information or Browsing Information to FNF is entirely up to you. If you decide not
to submit Personal Information or Browsing Information, FNF may not be able to provide certain services or
products to you. The uses of your Personal Information and/or Browsing Information that, by law, you cannot limit,
include:
• for our everyday business purposes – to process your transactions, maintain your account(s), to respond to
law enforcement or other governmental authority in connection with an investigation, or civil or criminal
subpoenas or court orders, or report to credit bureaus;
• for our own marketing purposes;
• for joint marketing with financial companies; and
• for our affiliates' everyday business purposes – information about your transactions and experiences.
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You may choose to prevent FNF from disclosing or using your Personal Information and/or Browsing Information
under the following circumstances ("opt-out"):
• for our affiliates' everyday business purposes – information about your creditworthiness; and
• for our affiliates to market to you.
To the extent permitted above, you may opt-out of disclosure or use of your Personal Information and Browsing
Information by notifying us by one of the methods at the end of this Privacy Notice. We do not share your personal
information with non-affiliates for their direct marketing purposes.
For California Residents: We will not share your Personal Information and Browsing Information with nonaffiliated
third parties, except as permitted by California law. Currently, our policy is that we do not recognize "do not track"
requests from Internet browsers and similar devices.
For Nevada Residents: You may be placed on our internal Do Not Call List by calling (888) 934-3354 or by
contacting us via the information set forth at the end of this Privacy Notice. Nevada law requires that we also
provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney
General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; email:
BCPINFO@ag.state.nv.us.
For Oregon Residents: We will not share your Personal Information and Browsing Information with nonaffiliated
third parties for marketing purposes, except after you have been informed by us of such sharing and had an
opportunity to indicate that you do not want a disclosure made for marketing purposes.
For Vermont Residents: We will not share your Personal Information and Browsing Information with nonaffiliated
third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your
account. In addition, we will not share information about your creditworthiness with our affiliates except with your
authorization. For joint marketing in Vermont, we will only disclose your name, contact information and information
about your transactions.
Information From Children
The Website is meant for adults and is not intended or designed to attract children under the age of thirteen
(13).We do not collect Personal Information from any person that we know to be under the age of thirteen (13)
without permission from a parent or guardian. By using the Website, you affirm that you are over the age of 13
and will abide by the terms of this Privacy Notice.
Privacy Outside the Website
The Website may contain links to other websites. FNF is not and cannot be responsible for the privacy practices
or the content of any of those other websites.
International Users
FNF's headquarters is located within the United States. If you reside outside the United States or are a citizen of
the European Union, please note that we may transfer your Personal Information and/or Browsing Information
outside of your country of residence or the European Union for any of the purposes described in this Privacy
Notice. By providing FNF with your Personal Information and/or Browsing Information, you consent to our
collection and transfer of such information in accordance with this Privacy Notice.
The California Online Privacy Protection Act
For some FNF websites, such as the Customer CareNet ("CCN"), FNF is acting as a third party service provider to
a mortgage loan servicer. In those instances, we may collect certain information on behalf of that mortgage loan
servicer via the website. The information which we may collect on behalf of the mortgage loan servicer is as
follows:
• first and last name;
• property address;
• user name and password;
• loan number;
• social security number - masked upon entry;
• email address;
• three security questions and answers; and
• IP address.
The information you submit through the website is then transferred to your mortgage loan servicer by way of CCN.
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The mortgage loan servicer is responsible for taking action or making changes to any consumer
information submitted through this website. For example, if you believe that your payment or user
information is incorrect, you must contact your mortgage loan servicer.
CCN does not share consumer information with third parties, other than (1) those with which the mortgage loan
servicer has contracted to interface with the CCN application, or (2) law enforcement or other governmental
authority in connection with an investigation, or civil or criminal subpoenas or court orders. All sections of this
Privacy Notice apply to your interaction with CCN, except for the sections titled "Choices with Your Information"
and "Access and Correction." If you have questions regarding the choices you have with regard to your personal
information or how to access or correct your personal information, you should contact your mortgage loan servicer.
Your Consent To This Privacy Notice
By submitting Personal Information and/or Browsing Information to FNF, you consent to the collection and use of
the information by us in compliance with this Privacy Notice. Amendments to the Privacy Notice will be posted on
the Website. Each time you provide information to us, or we receive information about you, following any
amendment of this Privacy Notice will signify your assent to and acceptance of its revised terms for all previously
collected information and information collected from you in the future. We may use comments, information or
feedback that you submit to us in any manner that we may choose without notice or compensation to you.
Accessing and Correcting Information; Contact Us
If you have questions, would like to access or correct your Personal Information, or want to opt-out of information
sharing with our affiliates for their marketing purposes, please send your requests to privacy@fnf.com or by mail
or phone to:
Fidelity National Financial, Inc.
601 Riverside Avenue
Jacksonville, Florida 32204
Attn: Chief Privacy Officer
(888) 934-3354