In order to better serve your needs now and in the future, we may ask you to provide us with certain information. We understand that you may be concerned about what we will do with such information – particularly any personal or financial information. We agree that you have a right to know how we will utilize the personal information that you provide to us. Therefore, we have adopted this Privacy Policy to govern the use and handling of your personal information.

This Privacy Policy governs our use of the information that you provide to us. It does not govern the manner in which we may use information we have obtained from any other source, such as information obtained from a public record or from another person or entity.

You have the right to know: The categories of personal information we have collected about or from you;

• The categories of sources from which we collected your personal information;
• The business or commercial purpose for collecting or sharing your personal information;
• The categories of third parties with whom we have shared your personal information; and
• The specific pieces of your personal information we have collected.

Process to Submit a Request. To submit a verified request for this information or call toll-free at (877) 703-2200. You may also designate an authorized agent to submit a request on your behalf by calling toll-free at (877) 703-2200 and then also submitting written proof of such authorization via e-mail to dataprivacy@ratic.com.

Verification Method. In order to ensure your personal information is not disclosed to unauthorized parties, and to protect against fraud, we will verify your identity before responding to your request. To verify your identity, we will generally match the identifying information provided in your request with the information we have on file about you. Depending on the sensitivity of the personal information requested, we may also utilize more stringent verification methods to verify your identity, including but not limited to requesting additional information from you and/or requiring you to sign a declaration under penalty of perjury.

You have a right to request that we delete the personal information we have collected from or about you.

To submit a verified request to delete go to https://www.ratic.com/privReqForm.cshtml or call toll-free at (877) 703-2200. You may also designate an authorized agent to submit a request on your behalf by going to the site or calling toll-free at (877) 703-2200 and then also submitting written proof of such authorization via e-mail to dataprivacy@ratic.com.

Verification Method. In order to ensure we do not inadvertently delete your personal information based on a fraudulent request, we will verify your identity before we respond to your request. To verify your identity, we will generally match the identifying information provided in your request with the information we have on file about you. Depending on the sensitivity of the personal information requested to be deleted, we may also utilize more stringent verification methods to verify your identity, including but not limited to requesting additional information from you and/or requiring you to sign a declaration under penalty of perjury.

We do not sell your personal information to third parties, and do not plan to do so in the future.

If you are a California resident under the age of 18, California Business and Professions Code §22581 permits you to request and obtain removal of content or information you have publicly posted on any of our Applications or Websites. To make such a request, please send an email with a detailed description of the specific content or information to dataprivacy@ratic.com. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and there may be circumstances in which the law does not require or allow removal even if requested.

The following is a list of the categories of personal information we may have collected about consumers in the twelve months preceding the date this Privacy Policy was last updated, including the business or commercial purpose for said collection, the categories of sources from which we may have collected the personal information, and the categories of third parties with whom we may have shared the personal information:

The categories of personal information we have collected include, but may not be limited to:

• real name
• signature
• alias
• SSN
• physical characteristics or description, including protected characteristics under federal or state law
• address
• telephone number
• passport number
• driver's license number
• state identification card number
• IP address
• policy number
• file number
• employment history
• bank account number
• credit card number
• debit card number
• financial account numbers
• commercial information
• professional or employment information

Categories of sources from which we've collected personal information include, but may not be limited to:

• the consumer directly
• public records
• governmental entities
• non-affiliated third parties
• affiliated third parties

The business purposes for which we've collected personal information include, but may not be limited to:

• completing a transaction for our Products
• verifying eligibility for employment
• facilitating employment
• performing services on behalf of affiliated and non-affiliated third parties
• protecting against malicious, deceptive, fraudulent, or illegal activity

The categories of third parties with whom we've shared personal information include, but may not be limited to:

• service providers
• government entities
• operating systems and platforms
• non-affiliated third parties
• affiliated third parties

We have not sold the personal information of consumers to any third party in the twelve months preceding the date this Privacy Notice was last updated, and we have no plans to sell such information in the future. We also do not, and will not sell the personal information of minors under sixteen years of age without affirmative authorization.

The following is a list of the categories of personal information of consumers we may have disclosed for a business purpose in the twelve months preceding the date this Privacy Notice was last updated.

• real name
• Signature
• Alias
• SSN
• physical characteristics or description, including protected characteristics under federal or state law
• address
• telephone number
• passport number
• driver's license number
• state identification card number
• IP address
• policy number
• file number
• employment history
• bank account number
• credit card number
• debit card number
• financial account numbers
• commercial information
• professional or employment information

We will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information to provide products or services to you. We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Policy. We currently maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Please be aware that Real Advantage Title Insurance Company maintains high standards to safeguard nonpublic, personal information, and does not rent or sell such information. Please note, however, that unless you opt out in writing, we will have access to the information in our files.

We reserve the right to modify or supplement this Privacy Policy at any time. If our Privacy Policy changes, we will post the updated Privacy Policy on our website before the new policy becomes effective.