Privacy Notice - Westcor Land Title Insurance Company®

PRIVACY NOTICE

Last Updated: April 10, 2026

This Privacy Notice describes how Ardán, Inc. and its affiliates and subsidiaries, including Westcor Land Title Insurance Company, X1 Analytics, and Grid 151 (collectively, “Ardan”, “us”, “our”, “we”) collect, use, store, and share your personal information when: (1) you access or use this website or any of our following websites at www.wltic.com, www.x1analytics.com, www.ardaninc.com, and www.grid151.com (“Websites”); (2) when you access or use our products and/or services (“Services”); (3) when you communicate with us in any manner, including by email, telephone, and/or in person (“Communications”); and (4) from third party sources (collectively, “Interactions”).

WHAT TYPE OF INFORMATION DO WE COLLECT ABOUT YOU?

Depending upon the nature of your Interactions, we may collect the following categories of information directly from and about you or from third-parties:

Basic Identifying Information. Information such as your full name, postal address, e-mail address, phone number, and other similar identifiers.
Additional Identifying Information Depending on the nature of your interaction with our Services, you may provide and we may collect the following:
- Social Security Numbers.
- Driver’s license numbers or related identification numbers.
- Dates of Birth.
- Bank account information.
- Credit and debit card information.
Demographic Information. Information such as:
- Race, age, sex, gender, and ethnicity.
Insurance Information. Information regarding your insurance purchases, including your title insurance policy number.
Commercial Information. Information such as the nature of the Services you’ve considered from us, and related information.
User Content. Information such as your Communications with us and any other content you provide, such as social media profiles, photographs of receipts, images, videos, survey responses, comments, product reviews, testimonials, and other content.
Audio and Visual Information. Information such as photographs, images, videos, and recordings of your voice (such as when we record customer service calls for quality assurance).
Inferences. Information such as inferences drawn from or created based on the information identified above.
Sensitive Information, some of the information you voluntarily provide may be considered sensitive personal information, such as your race, ethnicity, social security number, or other sensitive information. We collect only the sensitive information you provide to us and use such information solely to perform the services requested.
Personal Information we Collect Automatically. We and our third-party providers automatically collect information when you engage in Communications or when you use of the Websites and Services, including using cookies and other similar technologies. The information we may automatically collect includes the below categories of information (collectively, “Usage Data”):
- Device and Browsing Information. We collect IP address, browser type, domain names, access times, date/time stamps, operating system, language, device type, unique ID, Internet service provider, referring and exiting URLs, clickstream data, and similar device and browsing information.
- Activities and Usage. We also collect activity information related to your use of the Website and Services, such as information about the links clicked, searches, features used, items viewed, time spent within the Website, your interactions with us within the Website, and other activity and usage information.
- Location Information. We may also collect or derive location information about you, such as through your IP address. If you choose to enable location-based sharing with us through your device settings, we may collect precise location information to provide content that is more relevant to your location and to otherwise improve your Interactions. You may turn off location data sharing through your device settings.

HOW DO WE COLLECT YOUR INFORMATION?

We collect your information in three ways:

Directly from you when you use our Services, Websites and engage in Communications, including but not limited to:

Information you provide by filling forms in person or electronically, including information provided at the time of signing up for our Services, posting material or requesting further services or information.
Information you provide when you access or use our Services.
Information you provide when you enter a sweepstakes, contest or promotion sponsored or offered by us.
Information you provide when you report a problem with our Websites.
Records and copies of your correspondence (e.g., email address) if you contact us.
Your responses to surveys that we might ask you to complete.
Details of transactions you carry out through our Websites, and delivery of Services to you.
Your search queries on the Websites.

Automatically when you access or use our Services and Websites, or when you engage in Communications, including but not limited to:

Details of your visits to the Websites, including traffic data, location data, logs and other communication data.
Information about your computer and mobile device, and internet connection, including your IP address, operating system, and browser type.
Interactivity with an e-mail, including opening, navigating, and click-through information.

From third parties, including but not limited to:

Data analytics providers for the purpose of receiving statistical data about your activity on our Websites.
Third-party service providers, including but not limited to Internet service providers, fraud prevention services, claims processors, and related partners.
Public sources, including local, state, and federal government agencies and departments, to facilitate your use of the Websites and to provide you with our Services.

HOW DO WE USE YOUR INFORMATION?

We use the information outlined in What Type of Information Do We Collect About You? for a variety of business and commercial purposes, including but not limited to:

Provide the Websites to you;
Provide the Products you have requested;
Fulfill a transaction you requested or service your policy;
Handle a claim;
Create and manage your account;
Operate the Applications and Websites, including access management, payment processing, Application and/or Website administration, internal operations, troubleshooting, data analysis, testing, research, and for statistical purposes;
Respond to your requests, feedback, or inquiries;
Comply with laws, regulations, and other legal requirements;
Comply with relevant industry standards and our policies;
Protect and enforce your rights and the rights of other users against unlawful activity, including identity theft and fraud;
Protect and enforce our collective rights arising under any agreements entered into between us and you or any other third party;
Protect the integrity and maintain security of our Websites and Services;
Operate, evaluate, and improve our business;
Improve the Services to make them more stable and user-friendly, analyze service issues, improve the design and content of the Services, analyze how the Services are used, offer new services, and develop new Services and programs relating to the Services;
Deliver content tailored to your interests and the manner in which you use the Websites;
Present content in a manner that is optimized for your device; and
Measure and analyze the effectiveness of the Applications, Websites, and Products we provide to you.

HOW DO WE SHARE YOUR INFORMATION?

We do not sell your information. We may, however, disclose or share the information referenced in What Type of Information Do We Collect About You? with others for a variety of business and commercial purposes, including:

With your consent. We may disclose or share your information with your consent. We may obtain your consent in writing; online, through “click-through” agreements; when you accept the terms of use on Websites; orally, either in person or on the phone; or by other means.
In a business transfer. We may disclose or share your information as part of a corporate business transaction, such as a merger or acquisition, joint venture, corporate reorganization, financing, or sale of company assets, or in the unlikely event of insolvency, bankruptcy, or receivership, in which such information could be transferred to third parties as a business asset in the transaction.
To service providers, contractors, and vendors (“Service Providers”). We may disclose or share your information with certain third parties to facilitate your access and use of our Websites and Services, including but not limited to Internet service providers, data analytics providers, notaries and signing agents, operating systems and platforms, and service providers who provide us a service (e.g., credit / debit card processing, claims processing, billing, shipping, repair, customer service, auditing, marketing, debugging to identify and repair errors that impair existing intended functionality on our Websites, and/or protecting against malicious, deceptive, fraudulent, or illegal activity).
To Marketing & Analytics Partners. We may share your personal information with third-party marketing and analytics partners, such as Google. These partners may use first- and third-party cookies together to inform, optimize, and provide us with analytics based on your past visits to the Website. For more information on Google Analytics’ processing of personal information, please see https://www.google.com/policies/privacy/partners/. You can find out more about how Google uses cookies in advertising and opt-out via the following links: Google Display Network (DoubleClick) & Google Analytics Opt-out Browser Add-on.

To Business Parters. We may disclose or share your information with our Business Partners to provide you with the products or services you have requested, to enhance our service offerings, or to facilitate real-estate and financial transactions. This includes, but is not limited to:

Requesting Entities & Transaction Parties: When you use our identity verification tools (such as ValID), we share the results of that validation—including your identity status and verified documentation—with the specific entity that requested the check (e.g., your lender, real estate agent, or settlement provider). These entities typically have access to this information for a limited window (e.g., 14 days) to finalize your transaction.
Title & Closing Professionals: We may share information with title agents, underwriters, attorneys, and escrow officers to facilitate the closing of real estate transactions and the issuance of title insurance policies.
Financial Institutions: We share data with mortgage lenders, banks, and other financial entities to verify loan applicant quality, detect identity theft, and reduce fraud.

To Identity Verification Partners. For some of the Services, we use third-party service providers to assist us in verifying your identity, preventing fraud, and complying with legal and regulatory obligations. These services are necessary to provide our products and services, maintain platform integrity, and protect against unauthorized or unlawful activity. Our Identity Verification Partners may combine the information we provide with information from their own records and other sources to verify your identity, assess risk, and provide us with identity verification results, risk scores, or related insights. We do not control the independent data practices of these partners with respect to information they obtain from sources other than us, which are governed by their own privacy notices.
To Governmental Agencies. We may share your information with County Recorders, Tax Assessors, and State Departments of Insurance and other governmental agencies for standard business filings and regulatory audits.
To Subsidiaries and Affiliates. We may disclose or share your information with our subsidiaries and affiliates to further facilitate your use of our Websites and Services, and to ensure the smooth and consistent operations of our Websites and Services by identifying and repairing errors that impede intended functionality and to protect against malicious, deceptive, fraudulent, or illegal activity.

For legal process and protection. We may disclose or share your information to satisfy any law, regulation, legal process, governmental request, or where we have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to:

Enforce or apply agreements, or initiate, render, bill, and collect for Services;
Protect our rights or interests, property or safety or that of others;
In connection with claims, disputes, or litigation – in court or elsewhere;
Protect users of our Websites and Services and other carriers or providers from fraudulent, abusive, or unlawful use of, or subscription to, such services;

Facilitate or verify the appropriate calculation of taxes, fees, or other obligations due to a local, state, or federal government.

Category of Personal Information	Categories of Third Parties with whom we Disclose Personal Information	Purpose for Disclosure	Sold or Shared
Basic Identifying Information	Subsidiaries and Affiliates, Service Providers, Marketing & Analytics Partners, Business Partners, Identity Verification Partners, Governmental Agencies	To provide the Services, such as to facilitate real estate transactions, provide customer support, and fulfill legal recording or tax obligations.	No

Additional Identifying Information

Subsidiaries and Affiliates, Service Providers, Partners, Business Partners, Identity Verification Partners, Governmental Agencies

To provide the Services, such as to verify identity, prevent fraud, process payments, and provide validation results to the entity that requested the check (e.g., for a 14-day window).

When you provide your Government Identifiers you via val-ID™ by Westcor (“val-ID™”) The Government Identifiers are disclosed for purposes of verifying customer information, helping to ensure security and integrity by resisting illegal actions directed at our business. Specifically, the Government Identifiers are disclosed for the purpose of verifying the authenticity of the Government Identifiers provided. The Government Identifiers are available to the Third Party for 14 days after which the Government Identifiers are anonymized.

We disclose your Government Identifiers via val-ID to Requesting Entities & Transaction Parties solely as directed by you.

Sensitive Information	Subsidiaries and Affiliates, Service Providers, Partners, Business Partners, Identity Verification Partners, Governmental Agencies	Solely to perform the services requested and comply with regulatory audits.	No
Demographic Information	Subsidiaries and Affiliates, Service Providers, Partners, Business Partners, Identity Verification Partners, Governmental Agencies	To satisfy regulatory reporting and audits; to comply regulatory requirements; to facilitate inclusive service delivery; and to support internal research, statistical analysis, and organizational diversity reporting.	No

Insurance & Commercial Information	Subsidiaries and Affiliates, Service Providers, Partners, Business Partners, Identity Verification Partners, Governmental Agencies	To facilitate the issuance of title insurance policies and closing services; to manage claims and underwriting risks; to verify loan applicant quality for financial institutions; to maintain accurate records of services rendered; and to fulfill standard business filings or regulatory audits.	No
User Content & Audio/Visual Info	Subsidiaries and Affiliates, Service Providers, Partners	To provide customer support and respond to inquiries; to perform quality assurance (QA) and employee training through call recordings; to analyze user feedback for product and website improvements; and to document communications for dispute resolution or legal protection.	No
Inferences	Marketing & Analytics Partners, Service Providers, Subsidiaries and Affiliates	To optimize website functionality, create risk scores for fraud prevention, and provide more relevant content.	No
Usage Data (Collected Automatically)	Marketing & Analytics Partners, Service Providers, Subsidiaries and Affiliates	To monitor website health, debug errors, protect against malicious activity, and analyze user interaction for optimization.	No
Location Information	Marketing & Analytics Partners, Service Providers, Subsidiaries and Affiliates	To provide location-relevant content, improve interactions, and verify the geographic origin of a transaction for fraud prevention.	No

LINKS TO THIRD PARTY SITES

Our Websites may contain links to third party websites and services. Please note that these links are provided for your convenience and information, and the websites and services may operate independently from us and have their own privacy policies or notices, which we strongly suggest you review. This Privacy Notice applies to our Websites only, and we do not accept any responsibility or liability for the policies or practices of any third parties.

THIRD PARTY TRACKING / DO NOT TRACK

Our Websites may, from time to time, collect information about your online activities, over time and across our different Websites. When you use our Websites, third parties may also collect information about your online activities, over time and across different internet websites, online or cloud computing services, online applications, or mobile applications. Some browsers support a “Do Not Track” feature, which is intended to be a signal to websites that you do not wish to be tracked across different websites you visit. Our Websites do not currently change the way they operate based upon detection of a “Do Not Track” or similar signal.

HOW DO WE STORE AND PROTECT YOUR INFORMATION?

Although no system can guarantee the complete security of your information, we take all commercially reasonable steps to ensure your information is protected in alignment with all applicable laws and regulations, as appropriate to the sensitivity of your information.

HOW LONG DO WE KEEP YOUR PERSONAL INFORMATION?

We keep your information for as long as necessary in accordance with the purpose for which it was collected, our business needs, and our legal and regulatory obligations. If we dispose of your information, we will do so in a way that is secure and appropriate to nature of the information subject to disposal.

COOKIES AND RELATED TECHNOLOGY

We may use cookies (browser and flash), beacons, pixel tags, scripts, and other similar technologies from time to time to support the functionality of our Websites and Services. A cookie is a piece of information contained in a very small text file that is stored in your Internet browser or elsewhere on your hard drive. Cookies are transferred from our Websites to your computer, phone or tablet, and allow us to identify your device whenever you return to our Websites. These technologies provide a better experience when you use our Websites and Services, and allow us to improve our services.

Below is an overview of the types of cookies and related technology we deploy, and your choices.

Browser Cookies. A browser cookie is a small file placed on the hard drive of your computer. That cookie then communicates with servers, ours or those of other companies that we authorize to collect data for us and allows recognition of your personal computer. You may use the tools available on your computer or other device(s) to set your browser to refuse or disable all or some browser cookies, or to alert you when cookies are being set. However, if you refuse or disable all browser cookies, you may be unable to access certain parts or use certain features or functionality of our Websites. Unless you have adjusted your browser settings so that it refuses all cookies, we may use cookies when you direct your browser to our Websites.
Beacons. Our Websites and e-mails may contain small electronic files known as beacons (also referred to as web beacons, clear GIFs, pixel tags and single-pixel GIFs) that permit us to, for example, to count users who have visited those pages or opened an e-mail and for other website-related statistics. Beacons in e-mail marketing campaigns allow us to track your responses and your interests in our content, offerings and web pages. You may use the tools in your device to disable these technologies as well.

YOUR CHOICES

Residents of states with generally applicable privacy laws may have the following rights regarding their personal information, subject to certain exceptions and qualifications under their respective state laws.

Access and Data Portability. You have the right to request details about the personal information we have collected about you, such as whether we have collected personal information about you, the categories of sources, the purposes for which we have collected the personal information, the categories of recipients, and the specific pieces of personal information we have collected. You may also have the right to receive a copy of your personal information in a readily usable format. If we have maintained your personal information for longer than 12 months, you may exercise your right to know looking back to January 1, 2022.
Correction. You may have the right to request we correct incorrect or inaccurate personal information, subject to restrictions regarding the determination of accuracy of the existing personal information.
Deletion. You may have the right to request deletion of your personal information unless an exception applies.
Opt-Out of Sale, Sharing, or Targeted Advertising.

We do not sell or share your personal information or utilize targeted advertising on our Websites.

Limit Use and Disclosure. We do not collect nor engage in uses of sensitive personal information that would trigger a right to limit use and disclosure of sensitive personal information under applicable state privacy law.
Opt-Out of Profiling with Legal or Significant Effects. You may have the right to opt out of profiling in furtherance of decisions that produce legal or similarly significant effects. However, we do not engage in such activities as described under applicable state privacy law, so there is no need to exercise this right.

You may request to exercise your rights of access, deletion, or correction by contacting us via an e-mail to dataprivacy@wltic.com or call toll-free at (866) 629-5842 or by using the webform at the bottom of this Policy.

Right to Change Preferences. Regardless of where you live, you may change your choices for subscriptions, newsletters, and alerts. Please e-mail dataprivacy@wltic.com or by using the webform at the bottom of this Policy
Right to Unsubscribe from Our Marketing and Advertising Communications. Regardless of where you live, you may choose whether you want to receive marketing and advertising from us. Please e-mail dataprivacy@wltic.com or by using the webform at the bottom of this Policy.

CONSUMER REQUESTS AND VERIFICATION

Right to Non-Discrimination

We may not discriminate against you because you exercise any of your privacy rights contained in this Privacy Notice including, but not limited to:

Denying goods or services to you;
Charging different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties;
Providing a different level or quality of goods or services to you; or
Suggesting that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

Verifying Requests

To help protect your privacy and maintain security, we will take steps to verify your identity before processing your request. If you request access to or deletion of your personal information, we may require you to provide any of the following information: name, email address, telephone number, or postal address, and account information. When you make such a request, you can expect the following:

As required under applicable law, we will verify your identity. You will need to provide us with your personal information. We may ask for additional information if needed.
We will confirm that you want your information accessed, corrected, and/or deleted.
We will confirm our receipt of your request within 10 days. If you have not received a response within a few days after that, please let us know by contacting us at dataprivacy@wltic.com or call toll-free at (866) 629-5842.
We will respond to your request within 45 days upon receipt of your request. If necessary, we may need an additional period of time, up to another 45 days, but we will reply either way within the first 45-day period and, if we need an extension, we will explain why.
In certain cases, a request for access, correction, or deletion may be denied. For example, if we cannot verify your identity, the law requires that we maintain the information, or if we need the information for internal purposes such as providing services or completing an order. If we deny your request, we will explain why we denied it and delete any other information that is not protected and subject to denial.
Authorized Agents

Under some state privacy laws, you may designate an authorized agent to request any of the above rights on your behalf. Your agent may contact us as described in this Privacy Notice to make a request on your behalf.

Right to Appeal

Certain state residents have a specialized right to appeal where a consumer’s privacy rights-related request is denied in whole or in part. To appeal your request, please follow the instructions provided in the communication denying your related request.

CHILDREN

Our Applications, Services, and Websites are not intended for children under the age of 18. This includes any links to other websites that we provide for our convenience. We don’t knowingly collect the information of children for any reason.

INTERNATIONAL JURISDICTIONS

Our Websites are hosted and offered in the United States of America (US), and are subject to US federal, state, and local law. If you are accessing the Websites from another country, please be advised that you may be transferring your information to us in the US.

CHANGES TO OUR PRIVACY PRACTICES

We may change this Privacy Notice from time to time. Any and all changes will be reflected on this page, and where appropriate provided in person or by another electronic method. The effective date will be stated at the top of this Privacy Notice. You should regularly check this page for any changes to this Privacy Notice. Your continued use, access, or interaction with our websites, services, and your continued communications with us after this statement has been updated represents you have read and understood this privacy notice.

Contact Us

If you have any questions about this Privacy Notice, please contact us via an e-mail to dataprivacy@wltic.com or call toll-free at (866) 629-5842.