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Text Content

 * Home
 * Services
    * Residential
    * Commercial

 * Services For...
    * Homebuyers, Sellers, & Borrowers
    * Real Estate Professionals
    * Lenders
    * Investors
    * Attorneys
    * Commercial Purchasers, Sellers & Borrowers

 * Get To Know Us
    * Who We Are
    * Our Promise
    * The OSN Advantage
    * OSN Fast Facts
    * Our Team
    * Join Our Team
    * News & Events
    * Coverage Area
    * Compliance
    * How We Protect You

 * Join Our Team
    * Join Our Team
    * Benefits
    * Jobs
    * Our Interview Process

 * Toolkit
    * Title Basics
    * The Homebuying Process
    * Know Before You Owe
    * FAQ
    * Video Resources

 * Connect

 * Find a Location
 * Get a Quote
 * Place an Order
 * Have Questions?



 * Find a Location
 * Get a Quote
 * Place an Order
 * Have Questions?

 * Home
 * Services
    * Residential
    * Commercial

 * Services For...
    * Homebuyers, Sellers, & Borrowers
    * Real Estate Professionals
    * Lenders
    * Investors
    * Attorneys
    * Commercial Purchasers, Sellers & Borrowers

 * Get To Know Us
    * Who We Are
    * Our Promise
    * The OSN Advantage
    * OSN Fast Facts
    * Our Team
    * Join Our Team
    * News & Events
    * Coverage Area
    * Compliance
    * How We Protect You

 * Join Our Team
    * Join Our Team
    * Benefits
    * Jobs
    * Our Interview Process

 * Toolkit
    * Title Basics
    * The Homebuying Process
    * Know Before You Owe
    * FAQ
    * Video Resources

 * Connect


OS NATIONAL


PRIVACY POLICY


INTRODUCTION



This privacy policy ("Policy") describes how OS National LLC, OSN Texas LLC, OSN
Escrow Inc., and OS National Alabama LLC (collectively, "OS National", "we," or
"us") collects, uses, shares, and safeguards the information provided by users
of our website www.osnational.com and any of our other online services, such as
our other websites and mobile applications (the "Website"), as well as
information collected by us through other means, including by email, over the
phone, or in offline communications, in the course of marketing and providing
you our products and services (collectively, the "Services"). We may also
collect this information from you in the course of our business relationships,
including with our commercial clients or third-party service providers.

For additional important information, please see our Consumer Privacy Notice
which explains how we treat information under the Gramm-Leach-Bliley Act
("GLBA"). For California residents, please see our Supplemental Notice for
California Residents at the end of this policy.


INTENDED USE

Our Services are intended for people who are in the United States. If you live
outside of the United States and choose to use our Services, you understand that
it is at your own risk. You also understand that your information may be sent to
the United States. The United States may not afford the same level of protection
as laws in your own country.

Our Services are not intended for use by children under the age of 18 years. We
do not knowingly collect personal information directly from children under the
age of 18 years. If we discover that we have received personal information
directly from a child under the age of 18 years, we will delete that personal
information. If you are a parent or legal guardian and believe we have collected
personal information directly from your child, you may contact us at
1-866-217-4955 to request that such personal information be deleted.



INFORMATION WE COLLECT

We collect content, images, and other information you provide to us when you
access our Services, including when you interact with our Website; communicate
with us about our Services via email, SMS message, or telephone; respond to one
of our surveys or otherwise interact with us. Information you may choose to
provide to us includes:

 * Your name, address, telephone number, and email address;
 * Social Security number;
 * Employment information;
 * Mortgage rates and payments;
 * Financial information, including bank account information and balances;
 * Wire transfer instructions;
 * Circumstances related to your purchase or sale of a home;
 * Your driver's license or state ID information;
 * Real estate offer letters;
 * Citizenship status (for tax purposes); and
 * Marital status (for tax calculation purposes).

Information we may collect from the devices you use to access our Services
includes:

 * Information you allow us to receive through device settings you turn on, such
   as access to your GPS location;
 * Data from cookies, tags, pixels, web beacons, and log files stored on your
   device, including cookie IDs, page views, how often you visit our Website,
   and links you click on, as well as recording clicks, mouse movements,
   scrolls, keystrokes, and other information about your browsing session.

Information we may collect from other sources includes:

 * Information from our partners, service providers, and affiliated businesses;
 * Information from credit bureaus;

Information from public government sources, such as:

 * Tax assessments of your home;
 * Information contained on the deed to your home, such as name, address, liens,
   encumbrances, and title;
 * The number of bedrooms and bathrooms in your home;
 * Whether your home is in an earthquake or flood zone;
 * Permits issued for remodels and additions; and
 * The square footage of your home and the year it was built.


HOW WE USE YOUR INFORMATION

We generally use your information for your convenience, to improve our Services,
and for the following business and commercial purposes. More specifically, we
may use it:

 * To Contact You. We use the information that we collect to communicate with
   you, including to respond to your questions and requests.
 * To Improve our Website. We may use your information to help diagnose problems
   with our servers and to otherwise administer the Website.
 * To Advertise. We may use information collected from you to provide you with
   information about additional services that OS National or our affiliated
   companies offer, such as home financing and homeowners' insurance services.
 * To Do Market Research. We are constantly striving to improve our customer
   experience. We may aggregate and analyze consumer information that we collect
   on our Website and from conversations with our customers help us change and
   grow.
 * To Support Information Security and Debugging. We may use information about
   you and your use of the Services to detect security incidents, protect
   against malicious, fraudulent, or illegal activity, and improve the security
   of our systems. We may also use this information to identify and repair
   errors that impair existing intended functionality.
 * In Connection with a Dispute. We may use personal information to prosecute or
   defend against claims in court and other dispute resolution forums.
 * Legitimate Business Purposes. We may use information about you for our other
   legitimate business purposes as permitted by applicable law.


HOW WE DISCLOSE YOUR INFORMATION

We generally disclose your information to facilitate your transactions and
improve your experience in using the Services or otherwise manage our
relationship with you. More specifically, we may disclose it:

   
   
 * With our affiliated companies. We may disclose your information to our
   affiliated companies to the extent not otherwise prohibited by law.
 * With service providers. We may disclose your information to service providers
   that provide services to us and act on our behalf, including payment
   processors, technology and infrastructure providers, digital communications
   services, commercial data and market research analysts, consumer report
   providers, auditors and accountants, physical site security providers, and IT
   security and bug-fix partners.
 * With our business partners. We may disclose information to third parties to
   the extent allowed by law.
 * With any successor to our business. For example, if all or part of our
   business is sold, we may include your information as part of that
   transaction.
 * To comply with the law or to protect ourselves. We may disclose information
   to government agencies, consumer-reporting agencies, and other outside
   parties as permitted or required by applicable laws. For example, we will
   disclose information if a court, government agency, or investigatory body
   requests it. We may also disclose information if we are investigating
   potential fraud or as part of other legal proceedings, such as in connection
   with pending litigation.
 * Legitimate Business Purposes. We may disclose information about you for our
   other legitimate business purposes as permitted by applicable law.


SECURITY

Safeguards

We use commercially reasonable physical, electronic, administrative, and
procedural safeguards to preserve the integrity, confidentiality, and security
of all personal information we collect. However, no security measure, system, or
control is infallible. Therefore, like all businesses, we cannot guarantee that
your information will be invulnerable to attack or misuse.

Your Role

You have a major role in the security and privacy of your own information. For
example, you should not provide us with personal information that we do not
request. Additionally, you are responsible for controlling access to any
computing device through which your information may be stored or accessed. You
are also responsible for safeguarding any passwords or other log-in credentials
that may be used to access your information. We recommend that you log out of
any account when you are done using it.

Third Parties

Please remember to review the privacy settings and security policies of
third-party sites and services that you use, such as social networks. We are not
responsible for the privacy or security measures of any third party.

Incident Response

In the event that the security of any personal information under our control is
compromised, we will take reasonable steps to investigate and mitigate the
situation, including, when appropriate, notifying those individuals whose
information may have been compromised and taking other steps in accordance with
applicable laws and regulations.


COOKIES AND TRACKING

A cookie is a small text file stored on your device by a website. When you visit
our Website, we may use session cookies (which expire once you close your web
browser) or persistent cookies (which stay on your device until you delete them)
to make your experience on our Website more personal and interactive.

We may also use first-party cookies to conduct analytics on our Website. By
continuing to use our Website, you consent to our use of cookies as explained in
this Policy. We may also use local device storage or tracking technologies, such
as web beacons, web bugs, clear gifs, and similar technologies, for any lawful
business purpose, including to gather and/or store information, such as
recording clicks, mouse movements, scrolls, keystrokes, and other information
about your browsing session, or how you engaged with an OS National
advertisement or social media post, and deliver content on the Website.

We may also allow third-party cookies on our Website to assist in enhancing the
Website. For example, we allow Google to provide us with analytics on our
Website traffic. For more information about how to opt-out of Google Analytics,
you can visit: https://tools.google.com/dlpage/gaoptout.

You may have additional choices available to you with regards to some online
behavioral advertising cookies. Please visit the Digital Advertising Alliance at
https://optout.aboutads.info/?c=2&lang=EN or the Network Advertising Initiative
at https://optout.networkadvertising.org/?c=1 for more information.


YOUR CHOICES

 * Marketing Opt-Out. If you want to opt-out of marketing, please contact us at
   1-866-217-4955. You may also follow the unsubscribe instructions in any
   marketing you get from us. Please note that even if you opt out of marketing,
   you will continue to receive messages from us about your relationship with
   us.
 * California Residents. Learn more about the rights and options under the
   California Consumer Privacy Act (CCPA) law by reviewing the section "For
   California Residents" below. You can also contact us at 1-866-217-4955.
 * Cookies. While many browsers are set up to accept cookies, you can adjust
   your browser settings to reject cookies or to warn when a cookie is being
   sent. Note that if you remove or reject cookies, you may not be able to use
   certain features on our Website.
 * Mobile Devices. Your mobile device may give you the ability to opt out of the
   use of certain information it collects and/or tracks. For instance, you may
   be able to "Opt out of Interest-Based Ads" or "Opt out of Ads
   Personalization" on Android devices and/or "Limit Ad Tracking" on iOS
   devices. You can also adjust the collection of location information from a
   mobile device by changing the preferences on the device.
 * Do Not Track. Some web browsers have "do not track" features that you may
   enable by adjusting your browser settings. However, our Website and other
   Services may not respond to Do Not Track signals from some or all browsers.


SUPPLEMENTAL NOTICE FOR CALIFORNIA RESIDENTS

Our Collection of Personal Information under the California Consumer Privacy Act

We may collect the following categories of personal information:

 * Personal identifiers, such as

o Your name, address, phone number, and email address

 * Personal information described in the California Customer Records statute
   (Cal. Civ. Code  § 1798.80(e), such as

o Your signature

o Employment

 * Protected classification characteristics under California or federal law,
   such as

o Age

o Veteran or military status

 * Commercial information, such as

o Mortgage rates and payments

o Circumstances related to your purchase or sale of a home

o Real estate offer letters

 * Internet or other electronic activity information, such as

o Browsing history

o Information related to your interaction with an internet website application

 * Geolocation data, such as

o Physical location

 * Sensory data, such as

o Audio, electronic, or visual information

 * Professional or employment-related information, such as

o Work phone number

o Employer name

 * Sensitive personal information, such as

o Your social security number

o Your driver's license or state ID information

o Citizenship status (for tax purposes), financial information, including bank
account information and balances

o Precise geolocation

 * Inferences, such as

o Payment preferences

Categories of sources from which we collect these categories of personal
information about you:

 * We collect the categories of personal information listed above from the types
   and categories of sources described above in the Information We Collect
   Section of this privacy policy.

Categories of third parties to which we may disclose these categories of
personal information:

 * We may disclose the categories of personal information listed above to the
   categories of third parties described above in the How We Disclose Your
   Information Section of this privacy policy.

In addition to the reasons described in the How We Use Your Information Section
of this privacy policy, we disclose these categories of personal information and
sensitive personal information for a range of operational purposes, including
for business purposes such as:

 * Auditing related to counting ad impressions to unique visitors, verifying
   positioning and quality of ad impressions, and auditing compliance with this
   specification and other standards.
 * Helping to ensure security and integrity to the extent the use of the
   consumer's personal information is reasonably necessary and proportionate for
   these purposes.
 * Debugging to identify and repair errors that impair existing intended
   functionality.
 * Short-term, transient use, including, but not limited to, nonpersonalized
   advertising shown as part of a consumer's current interaction with the
   business, provided that the consumer's personal information is not disclosed
   to another third party and is not used to build a profile about the consumer
   or otherwise alter the consumer's experience outside the current interaction
   with the business.
 * Performing services on behalf of the business, including maintaining or
   servicing accounts, providing customer service, processing or fulfilling
   orders and transactions, verifying customer information, processing payments,
   providing financing, providing analytic services, providing storage, or
   providing similar services on behalf of the business.
 * Undertaking internal research for technological development and
   demonstration.
 * Undertaking activities to verify or maintain the quality or safety of a
   service or device that is owned, manufactured, manufactured for, or
   controlled by the business, and to improve, upgrade, or enhance the service
   or device that is owned, manufactured, manufactured for, or controlled by the
   business.

We do not sell or share your personal information or sensitive personal
information. We have no actual knowledge that we have sold any personal
information of consumers under 16 years of age.

Consumers that are California residents (hereinafter, "you") have specific
rights under the California Consumer Privacy Act ("CCPA"). They include:

 * The right to request that we disclose what personal information we collect,
   use, and share about you, unless subject to a legal exception. This request
   may include the following:

o The categories of personal information and sensitive personal information that
we have collected about you.

o The categories of sources from which the personal information and sensitive
personal information is collected.

o The business or commercial purpose for collecting or selling personal
information or sensitive personal information.

o The categories of third parties with whom we share personal information or
sensitive personal information.

o The specific pieces of personal information or sensitive personal information
we have collected about you.

 * The right to opt-out of sales to third parties of any personal information
   about you (as sale is defined by the CCPA).
 * The right to opt-out of sharing to third parties of any personal information
   about you (as share is defined by the CCPA).
 * The right to request that we correct inaccurate personal information about
   you, unless subject to a legal exception.
 * The right to request that we delete personal information about you, unless
   subject to a legal exception.
 * The right to know what personal information or sensitive personal information
   is sold or shared and to whom.
 * The right to request that we limit the use and disclosure of your sensitive
   personal information, unless subject to a legal exception.

The right to be notified that we collect personal information about you, and the
purposes for which the information will be used.

How to Make a California Consumer Privacy Act Request

You may submit a request under the CCPA by visiting our Privacy Center (click
"Make a Privacy Request" to get started) or by calling 1-866-217-4955. Only you
or a duly authorized agent may make a CCPA request on your behalf. You have the
right to make a free request twice during any twelve-month period. The request
must:

 * Provide sufficient information for us to reasonably verify that you are the
   person, or an authorized agent of the person, about whom we collected the
   personal information (including your name and email address, and, for
   authorized agents, proof that you gave the agent signed permission to submit
   the request); and
 * Describe your request with sufficient detail for us to properly understand,
   evaluate, and respond to it.

Submitting a request does not require you to create an account with us. However,
for your safety and the safety of your information, we cannot fulfill a request
if we cannot verify your identity or authority to make the request and confirm
the personal information relates to you or an individual for whom you are an
authorized agent. We may require additional verification before responding to
particularly sensitive requests. We will only use the verification information
you provide for the purpose of verifying your identity or authority to make the
request.

We do not charge you a fee to process or respond to your verifiable consumer
request unless it is excessive, repetitive, or manifestly unfounded. If we
determine that the request warrants a fee, we will tell you why we made that
decision and provide you with a cost estimate before completing your request.

If you would like to appeal one of our decisions about a request, please contact
us at 1-866-217-4955.

Non-Discrimination

We will not discriminate or retaliate against you for exercising your rights
under the CCPA. Unless permitted by law, we will not:

 * Deny you goods or services;
 * Charge you different prices or rates for goods or services, including through
   granting discounts or other benefits, or imposing penalties;
 * Provide you a different level of quality of goods or services; or

Suggest that you may receive a different price or rate for goods or services or
a different level or quality of goods or service.

RETENTION OF YOUR INFORMATION

The length of time we retain your personal information depends on several
factors. We retain your personal information and sensitive personal information
we collect as described in this privacy policy for as long as you use our
services or as necessary to fulfill the purpose(s) for which it was collected,
provide our services, resolve disputes, establish legal defenses, conduct
audits, pursue legitimate business purposes, enforce our agreements, and comply
with applicable laws.

HOW TO CONTACT US

If you have any questions about this Policy, please contact us at
1-866-217-4955.

UPDATES TO THIS POLICY

This Policy is updated regularly. We will notify you of any changes to this
Policy by posting the new Policy with the last modified date. Please check our
Website periodically for updates, as changes will be effective as soon as the
revised Policy is posted, unless otherwise stated. Your inaction or continued
use of the Website, or your provision of information to us after any such
notices constitutes acceptance of those changes.

This Policy was last updated on December 27, 2022.


OSN NEWS

Welcoming OS National to Opendoor
Opendoor Acquires Title and Escrow Company OS National
CFPB Video: How to Protect Yourself and Your Closing Funds From Mortgage Closing
Scams


TITLE SOLUTIONS


FOR EVERY FAMILY AND BUSINESS

Our story started with an idea to change the way a title company operates to
better serve the real estate industry – and, more importantly, our customers. It
is this unique approach that makes OS National what it is today. Every day you
will find us working hand in hand with our customers to find the right solution
to ensure timely and efficient real estate closings.

See our license footprint. Check out our reviews. Get a quote. Place an order.


FIND A LOCATION

Duluth, GA
770-497-9100
Plano, TX
972-797-9900
Las Vegas, NV
702-963-8200
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714-477-2898
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