A Better Concept in Legal Services

You are here: Home > Who We Are > Privacy and Operational Policy

Privacy and Operational Policy

Privacy Policy

This policy applies to all directors, officers and employees of US Legal Solutions LLC (“Company”) and its affiliates and sets forth a requirement to comply with the privacy requirements of the Gramm-Leach-Bliley Act (GLBA) and the complementary and similar statutes enacted by the States and their insurance departments. The GLBA is a federal law which applies to all financial activities including the services provided by title insurance companies and their agents. Most states have complemented GLBA by enacting state statutes or promulgating regulations. Company personnel are reminded that state statutes, regulations, orders or interpretations, which provide greater privacy protection than GLBA, are effective and not superseded by GLBA. The purpose of this policy is to protect the privacy of individual consumers by restricting the disclosure of their nonpublic personal information by the Company and its affiliates and to forbid sharing all personally identifiable with nonaffiliated third parties, except where required or otherwise authorized by law.

Mission to Protect Your Privacy

It is the policy of the Company to respect the privacy of its customers and to protect the security and confidentiality of their nonpublic personally identifiable information. Company personnel may not disclose to a nonaffiliated, or affiliated, third party any nonpublic personally identifiable information unless required or otherwise authorized by law.

Notice

GLBA applies to the provision of settlement services by title insurance companies and their agents in connection with the sale, purchase or finance of a customer’s home. The performance of closings, escrows, surveys, appraisals, flood certifications, exchange services, tax searches, title searches, issuance of title insurance commitments and policies, credit reports, notary services and document preparation requires compliance with GLBA. Notice of the Company’s privacy policy shall be delivered to the consumer on, or before, the date of his/her closing and shall be readily available on this company’s website.

Definitions

Affiliate
Affiliate means any company that controls, is controlled by or is under common control with another company.
Company
Company means any corporation, limited liability company, business trust, general or limited partnership, association or similar organization.
Consumer
Consumer means an individual who obtains or has obtained settlement services from the Company or agent of the Company that is to be used primarily for personal, family or household purposes, or that individual's legal representative.
Customer
Customer means a consumer who has a customer relationship with US Legal Solutions LLC and who has received a service from US Legal Solutions LLC in exchange for paying a fee to US Legal Solutions LLC.
Financial Institution
A financial institution means any institution the business of which is engaging in financial activities. An entity that provides real estate settlement services is a financial institution. The Federal functional regulators have determined that providing real estate settlement services is a financial activity. See e.g. 16 CFR 313.3(2)(x), 12 USC 1843(k)(4).
Nonaffiliated Third Party
Nonaffiliated third party means any person except an affiliate of US Legal Solutions LLC or except a person employed jointly by US Legal Solutions LLC and any company that is not our affiliate.
Nonpublic Personal Information
Nonpublic personal information is personally identifiable financial information that is not publicly available.
Personally Identifiable Information
This refers to information that lets us know the specifics of who you are. Personal information is requested when you order a service and send us feedback. It is also required for us to provide you the service offered by US Legal Solutions LLC. For example, this information might include your name, billing address, shipping address, telephone number, e-mail address, or payment information, service details, addresses of property you own and your marital status. With this information, this web site and our office can fill your orders and better provide you with the personalized services. Personally identifiable financial information is any information a consumer provides to us in order to obtain settlement services, which contains personal identifiers such as account numbers, names or addresses.
Non-Personally Identifiable Information from this Web Site
This refers to information that does not by itself identify a specific individual. We gather certain information about you based upon where you visit our website in several ways. This information may be compiled and analyzed on both a personal and an aggregated basis. For example, this information may include the Web site’s Uniform Resource Locator (“URL”) that you just came from, which URL you next go to, what browser you are using, and your Internet Protocol (“IP”) address.
Publicly Available Information
Publicly available information means any information we have a reasonable basis to believe is lawfully made available to the general public from Federal, State or local government records. Publicly available information in government records includes information in government real estate records. There is a reasonable basis to believe information contained in the land records is lawfully made available to the general public if we have determined that the information is of the type included on the public record in the jurisdiction where a deed or mortgage would be recorded.

Operational Policy

  1. What information does this web site and US Legal Solutions LLC collect from you?

    In order to better provide you with numerous products and services, we collect three types of information about our customer: Personally Identifiable Information, Non-Personally Identifiable Information and Publicly Available Information. Our primary goal in collecting information from you is to provide you with a smooth, efficient and customized experience while using our site and using our services.

  2. Why do we collect information from you and how do we use it?

    Our primary goal in collecting personal information is to provide our customers and this web site's visitors with a superior customized service and experience. We may use the customer contact information to fill orders, and search title contact purchasers to inform them of their order status, to send promotional information, to enhance the operation of our site and administer our systems. Demographic data also may be collected from third party advertising servers or content servers, who provide us with the zip code and area code associated with a visitor's server, along with pages viewed on our site. We review the actions of the web site visitors on an aggregate basis to determine customers' preferences, this web site may also research our visitors' demographics, interests, and pages viewed based on the information provided to us during ordering. We will use this data to tailor our service, to improve our marketing and promotional efforts, to statistically analyze site use, to improve our product offerings, and to customize our site's content, layout, and services.

    We may also share personally identifiable information with third parties. This information includes disclosures necessary to affect, administer or enforce a transaction that a customer requests or authorizes. This includes financial service providers such as companies engaged in banking, consumer finances, securities and insurance. This also includes any other information, which the Federal Privacy Act (“Gramm-Leach-Bliley Act”) deems to be exempt from any “opt out provision”.We gather information in the following ways:

    Contact Information and Third Party Data
    If you contact our office, this web site or our staff by telephone, e-mail or letter, we may keep a record of your correspondence or comments. If you report a problem with our office or our site, we may collect such information in a file specific to you. If you contact us through our feedback area or by calling our staff, we may ask for your name, e-mail address and the information in order to send you a reply, if other users or third parties send us correspondence about your activities or purchases on our site, we may keep the information in a file specific to you.
    Cookies
    We may use cookies and allow others to use cookies in the operation of our site.
    Action Tags
    We may use and allow others to use action tags in the operation of our site.
    Website Analysis Agent
    We may use an outside service to collect Non-Personally Identifiable Information on an aggregated basis so that we can improve the marketing and layout of our site. They may use cookies to perform their service. For more information, please see the section “Use of Cookies” below.
  3. With whom do we share your information?
    Other Parties
    We do not sell, trade, or rent your Personally Identifiable Information to others without your consent except for exempt disclosures as detailed below.
    We may provide Non-Personally Identifiable Information about our customer's sales, traffic patterns, and related site information to third parties but these statistics do not include any Personally Identifiable Information. We may release account information when we believe that such release is reasonably necessary to enforce or apply our Terms and Conditions or to protect the rights, property, and safety of this web site.com, our users, or others. If customers do not pay us for products ordered, we may submit their account information to a third party collection agency.
    Services Provided on Our Site
    Except as otherwise stated in this Policy, without your consent, this web site does not disclose its customers' Personally Identifiable Information.
    Data Analysis Agents
    The information collected by or for this web site may be provided to an outside company for the purpose of analysis. That analysis is to helps us improve our services and our site. That data analysis agent may not share any Personally Identifiable Information with others, or use it for any other purpose than that of helping with this web site and in the provision of our services.
    Compliance with Service of Process or Law Enforcement
    Occasionally this office may be asked by law enforcement or judicial authorities to provide Personally Identifiable Information to the appropriate governmental authorities. We will disclose Personally Identifiable Information upon receipt of a court order, subpoena, or request to cooperate with a law enforcement investigation, without prior notice to you. This web site fully cooperates with law enforcement agencies in identifying those who use our services for illegal activities. We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful.
  4. What are your choices regarding collection, use, and distribution of your information?
    Email: We may from time to time send communications regarding our services to you. . You may "opt-out", or unsubscribe from our newsletters or e-mails by contacting us.
  5. What security precautions are in place to protect against the loss, misuse, or alteration of your information?
    In order to most efficiently serve credit card transactions if accepted, these are handled by established third party banking, financial services institutions. They receive the information needed to verify and authorize your credit card or other payment information.
  6. A special note about children's privacy
    You must be at least 18 years old to have our permission to use this site. Our policy is that we do not knowingly collect, use or disclose Personally Identifiable Information about visitors under 18 years of age. If you are the parent or guardian of a minor under 18 years of age and believe that they have disclosed personally identifiable information to us, please contact us so that we may delete the minor’s information.
  7. US Legal Solutions LLC, web site and third-party use of “cookies” and “action tags”
    This web sites Cookies
    When you use our site we may store cookies on your computer in order to facilitate and customize your use of our site. A cookie is a small data text file, which a Web site stores on your computer’s hard drive (if your Web browser permits) that can later be retrieved to identify you to this web site.
    Ad Server and Content Server Cookies
    We may use an outside ad serving company or content server to display banner advertisements and other information on our site. As part of their service, they place a separate cookie on your computer; this web site does not provide third-party ad servers with any of your Personally Identifiable Information. This web site and its third party ad servers do collect and use Non-Personally Identifiable Information about you, such as your IP address, browser type, the URL’s from which you came, referring site’s domain types (e.g., .com), operating system, the country, the server your computer is logged onto, where the servers that your computer is logged onto is located, the pages of our site and products that visitors viewed during their visit, where an ad was placed on a specific web site page, the time and date particular ads were served, the area code, and zip code associated with your server and whether you responded to a particular ad, and a receipt identifier. Our third-party ad servers will occasionally use outside agents, whose computers will serve ads on our site in the same manner and under the same conditions as above. In addition, other ad serving companies or advertisers may place banner ads on our site in the same manner as above, but we do not disclose any Personally Identifiable Information to them.
    Image Server Cookies
    As part of the ad-serving process, a third party may serve graphics upon our site. In order to customize their service, they may also place a cookie upon your computer. While this web site does not control their use of that cookie, no Personally Identifiable or individual customers’ product information is collected.
    Website Analysis Agent Cookies
    We may use a third party to analyze what our visitors find to be most interesting on our site. To do that, they may place a cookie on your computer with a randomly assigned unique number in order to track the pages you view on our site, along with other Non-Personally Identifiable Information.
    Ad Server/Content Server Action Tags and other Data Collection Methods
    An action tag is a method used to track responses or actions by customers who view certain advertisements or other information on our site. Action tags are images embedded in a website that are used to transparently collect information. Our ad server and content servers may use action tags to count the number of times that visitors click on a particular banner ad or visit the pages of our site. Without collecting any personally identifiable information, they use that data to tell us (and other advertisers) which ads are the most effective on particular sites.
  8. You should carefully review privacy policies of any third party web sites accessible from this web site
    Other sites accessible through our web site have their own privacy policies and data collection, use and disclosure practices. Please consult each site’s separate privacy policy. This web site is not responsible for the policies or practices of third parties.
  9. Contacting US Legal Solutions LLC web site about your privacy questions or concerns
    If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact this web site by sending a letter to the address that appears at the end of this page. You may also contact us at privacy@us-legalsolutions.com.
  10. Privacy Policy Changes
    If this web site makes changes to any terms or conditions of the Privacy Policy, the changes will be posted in this document so that you will always know what information we gather, how we might use that information and to whom we will disclose it. We may change, modify, add or remove portions of this Policy at any time, and any changes will become effective immediately upon being posted unless we tell you otherwise.

Last update: 09-Nov-2006

US Legal Solutions LLC
8714 Gravois Rd. St. Louis, Missouri 63123
   Fax: 314-722-2000    Telephone: 314-729-1049