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Privacy Notice

Rev. 11-01-15
FACTS

WHAT DOES RGS TITLE, LLC DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

  • Social Security numbers, driver license numbers, address, income
  • Account numbers, payment histories and loan balances
  • Loan applications, wire transfer instructions and transaction information shared with us by others

When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons RGS TITLE, LLC chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does RGS TITLE, LLC share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes - to offer our products and services to you Yes No
For joint marketing with other financial companies No No
For our affiliates’ everyday business purposes- information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes- information about your creditworthiness No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share

Questions? Go to www.rgstitle.com

Who we are
Who is providing this notice? RGS TITLE, LLC

What we do
How does RGS TITLE, LLC protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does RGS TITLE, LLC collect my personal information? We collect your personal information, for example, when you:

  • Submit a sales contract or apply for a loan
  • Provide your mortgage information or show your driver’s license
  • Give us your contact and transaction information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I “opt out” or limit all sharing? Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes –information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include companies that are owned in whole or in part by the Long and Foster Companies, Inc., including Prosperity Home Mortgage, Long & Foster Insurance, Long & Foster Real Estate Brokerages, and Fonville Morisey.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • RGS TITLE, LLC does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or service to you.
  • RGS TITLE, LLC does not share with nonaffiliated financial companies for joint marketing purposes.

Other Important Information
RGS Title, LLC may provide your Personal Information to various individuals and companies, as permitted by law, without obtaining your prior authorization as required to complete the services you have requested.  Disclosure of this Personal Information may include, without limitation, disclosure to: 

  • Agents, brokers, representatives, or others to provide you with the services you have requested from Sage Title Group™ , and affiliates Sage Premier Settlements™ and Mid-States Title of Southwest VA and to enable its employees to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure in connection with a real estate transaction and the title insurance provided for said transaction.
  • To lenders, lien holders, creditors or other parties claiming an encumbrance or an interest in title whose claim or interest must be determined, settled, paid or released to complete settlement.