Privacy Policy
Last Updated and Effective Date: March 29, 2024
This Privacy Policy (“Policy”) describes how Cardinal Escrow, Inc. and its subsidiaries and affiliates (collectively, “Cardinal Escrow, Inc. ,” “we,” “us,” or “our”) collect, use, store, and share your information when: (1) you access or use our websites, mobile applications, web-based applications, or other digital platforms where this Policy is posted (“Sites”); (2) when you use our products and services (“Services”); (3) you communicate with us in any manner, including by e-mail, in-person, telephone, or other communication method (“Communications”); (4) we obtain your information from third parties, including service providers, business partners, and governmental departments and agencies (“Third Parties”); and (5) you interact with us to conduct business dealings, such as the personal information we obtain from business partners and service providers and contractors who provide us certain business services (“B2B”).
This Policy applies wherever it is posted. To the extent a Cardinal Escrow, Inc. subsidiary or affiliate has different privacy practices, such entity shall have their own privacy statement posted as applicable.
Notice at Collection
What Type of Information Do We Collect About You?
Depending upon how you interact with our Sites and Services, the nature of your Communications, and the nature of our interaction with Third Parties, we may collect the following information from and about you:
Direct identifiers, including but not limited to your unique online identifier, name, alias, postal and/or e-mail address, phone number, account name and/or account number, social security number, driver’s license number, passport number, and/or state identification number.
Related identifiers, including but not limited to your date of birth, bank, financial information, and/or insurance policy number.
Physical characteristics, including protected characteristics under federal and state law, such as age, sex, race, and ethnicity.
Biometric information, such as fingerprints.
Geolocation data, such as your zip code and time zone.
Audio, electronic, and visual, including telephone recordings, electronic communication records, security camera footage from applicable Cardinal Escrow, Inc. properties.
Professional or employment-related information, such as your work history, salary history, and education history.
How Do We Collect Your Information?
We collect your information in three ways:
Directly from you when you access or use our Sites or Services, or when you communicate with us in any manner, including but not limited to:
Personal information you provide by filling out forms in person or electronically through our Sites, including information provided at the time of registering for any Service or event, posting material, or requesting further services or information;
Personal information you provide when you access or use our Services;
Personal information you provide when you conduct B2B dealings with us;
Personal information you provide when you report a problem with our Sites;
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; and
Your search queries on the Sites.
Automatically when you access or use our Sites or Services, or when you communicate with us, including but not limited to:
Details of your visits to the Sites, 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; and
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 Sites;
Service providers, including but not limited to internet service providers, fraud prevention services, and related partners; and
Public sources, including local, state, and federal government agencies and departments, to facilitate your use of the Sites, 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 Sites to you;
Provide the Services you have requested;
Fulfill a transaction you requested or service your policy;
Handle a claim;
Create and manage your account;
Operate the Sites, including access management, payment processing, Site 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 between Cardinal Escrow, Inc. and you or any other Third Party;
Protect the integrity and maintain security of our Sites and Services;
Operate, evaluate, and improve our business;
Provide you with information and advertisements about products, services, and promotions, from us or affiliates, that may interest you.
Deliver content tailored to your interests and the way you use the Sites;
Present content in a manner that is optimized for your device; and
Measure and analyze the effectiveness of the Sites and Services we provide to you.
How Do We Share Your Information?
Third Party Data Sharing- No personal information will be shared with third parties.
We do not sell your personal information or share your personal information for cross-context behavioral advertising. We may, however, disclose or share 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 our Sites; orally, either in person or on the phone; or by other means.
For legal process and protection. We may disclose 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 Sites and Services and other carriers or providers from fraudulent, abusive, or unlawful use of, or subscription to, such services; and
Facilitate or verify the appropriate calculation of taxes, fees, or other obligations due to a local, state, or federal government.
Links To Third Party Sites
Our Sites 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 Policy applies to our Sites 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 Sites may, from time to time, collect information about your online activities, over time and across our different Sites. When you use our Sites, 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 Sites do not currently change the way they operate based upon detection of a “Do Not Track” or similar signal.
Social Media Integration
Our Sites, and/or Services may, from time to time, contain links to and from social media platforms. You may choose to connect to us through a social media platform, such as Facebook or Instagram. When you do, we may collect additional information from or about you, such as your screen names, profile picture, contact information, contact list, and the profile pictures of your contacts, through the social media platform. Please be advised that social media platforms may also collect information from you. We do not have control over the collection, use and sharing practices of social media platforms. We therefore encourage you to review their usage and disclosure policies and practices, including their data security practices, before using the social media platforms.
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 browser cookies, beacons, pixel tags, scripts, and other similar technologies from time to time to support the functionality of our Sites 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 Sites to your computer, phone or tablet, and allow us to identify your device whenever you return to our Sites. These technologies provide a better experience when you use our Sites and Services, and allow us to improve our services. We may also use analytic software, such as Google Analytics and others, to help better understand how our Sites function on your device(s) and for other analytical purposes. To learn more about how Google uses data when you use our Sites, see How Google uses data when you use our partners’ sites or apps. You can opt-out of Google Analytics by installing Google’s opt-out browser add-on here https://tools.google.com/dlpage/gaoptout.
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 Sites. Unless you have adjusted your browser settings so that it refuses all cookies, we may use cookies when you direct your browser to our Sites.
Beacons. Our Sites 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.
Third Party Technology. Our service providers, advertising partners, and ad networks may also use cookies and beacons to collect and share information about your activities both on our Sites and on other websites and applications. In addition, third parties that are unaffiliated with us may also collect information about you, including tracking your browsing history, when you use our Sites. We do not have control over these third-party collection practices. If you wish to minimize these third-party collections, you can adjust the settings of your browsers or install plug-ins and add-ins.
Your Choices. You may wish to restrict the use of cookies or completely prevent them from being set. Most browsers provide for ways to control cookie behavior, such as the length of time they are stored. If you disable cookies, please be aware that some of the features of our Sites may not function correctly. To find out more on how to manage and delete cookies, visit www.aboutcookies.org. For more details on your choices regarding use of your web browsing activity for interest-based advertising, you may visit the following sites:
http://networkadvertising.org/
http://optout.aboutads.info/
http://youradchoices.com/
Your Choices
We provide you the ability to exercise certain controls and choices regarding our collection, use, storage, and sharing of your information. For California residents, see “Your Rights” section below to understand how to exercise your rights.
Right of Correction. Regardless of where you live, you may submit a request that we correct or update the information we have about you.
Right to Change Preferences. Regardless of where you live, you may change your choices for subscriptions, newsletters, and alerts.
Right to Control Advertising and Online Tracking. Regardless of where you live, you have a right to control how your information is tracked online. To learn more about these rights, see Cookies and Related Technologies section above.
Right of Non-Discrimination. You have a right to exercise your rights under this section free of discrimination. Cardinal Escrow, Inc. will not discriminate against you in any way if you choose to exercise your rights under this section.
California Consumer Privacy Act Rights and Disclosures
The following disclosures are made pursuant to the California Consumer Privacy Act, as amended by the California Privacy Rights Act and its implementing regulations (“CCPA”).
Relevant CCPA Definitions
Personal information: Information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you or your household.
Sensitive personal information: Social security number, driver’s license number, state identification card, passport number, account log-in and password, financial account and password, debit or credit card number and access code, precise geolocation information, race, ethnic origin, religious or philosophical beliefs, union membership, the content of your mail, email or texts other than those communications with us, genetic data, biometric information, health information, and information that concerns your sex life or sexual orientation.
Sell, sale, or sold: Selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or other means, your personal information to a third party for money or other valuable consideration.
Share, shared, or sharing: Sharing, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, your personal information to a third party for cross-context behavioral advertising, whether or not for monetary or other valuable consideration, including transactions between us and a third party for cross-context behavioral advertising for our benefit in which no money is exchanged.
Notice of Sale or Sharing
We do not sell or share personal information as defined under the CCPA, nor have we sold or shared such personal information in the past 12 months. To the extent any Cardinal Escrow, Inc. affiliated entity has a different practice, it will be stated in the applicable privacy policy posted for the particular affiliated entity. We have no actual knowledge of selling or sharing the personal information of minors under the age of 16.
Your Rights
Under CCPA and its implementing regulations, you have a Right to Know, Right to Correct, Right to Delete, and Right to Non-Discrimination. We do not offer a right to opt out of sale or sharing or limit the use and disclosure of sensitive personal information because we do not sell or share your personal information or use your sensitive personal information other than for permitted purposes under the CCPA. We provide you the ability to exercise certain controls and choices regarding our collection, use, storage, and disclosure of your personal information. Please note that for some of these rights, such as the Right to Know, Right to Correct, and Right to Delete, 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 related to your rights request, 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.
Right to Know. You have a right to ask that we disclose to you the categories and specific pieces of personal information we have collected about you including a description of the categories of sources from which we have collected that information, the business or commercial purpose for collecting or sharing that information, and the categories of third parties with whom we have shared that information. You have the right to receive this information in a format, to the extent technically feasible, that is portable, usable, and allows you to transmit the personal information to a person without impediment. You may submit this request by emailing [email protected] or by calling us at 562-493-9393. You may also designate an authorized agent to submit a request on your behalf.
Right to Correct. You have a right to ask that we correct your personal information, subject to appropriate legal exceptions. You may submit this request by emailing [email protected] or by calling us at 562-493-9393. You may also designate an authorized agent to submit a request on your behalf.
Right to Delete. As a California resident, you have a right to ask that we delete your personal information, subject to appropriate legal exceptions. You may submit this request by emailing [email protected] or by calling us at 562-493-9393. You may also designate an authorized agent to submit a request on your behalf.
Right of Non-Discrimination. You have a right to exercise your rights under this section free of discrimination. Cardinal Escrow, Inc. will not discriminate against you in any way if you choose to exercise your rights under this section.
California Minors
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 Sites. To make such a request, please send an email with a detailed description of the specific content or information to [email protected]. 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.
Children
Our Sites and Services are not intended for children under the age of 18. This includes any links to other websites that we provide for our convenience. We do not knowingly collect the information of children for any reason.
International Jurisdictions
Our Sites and Services 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 Sites or Services from another country, please be advised that you may be transferring your information to us in the US, and you consent to that transfer and use of your information in accordance with this Policy. You also agree to abide by the applicable laws of applicable US federal, state, and local laws concerning your use of the Sites and Services and your agreements with us. Any persons accessing our Sites or Services from any jurisdiction with laws or regulations governing the use of the Internet, including the collection, use, or disclosure of information, different from those of the jurisdictions mentioned above may only use the Sites or Services in a manner lawful in their jurisdiction. If your use of the Sites or Services would be unlawful in your jurisdiction, you may not use the Sites or Services.
Accessibility
We are committed to making our content accessible and user friendly to everyone. To request a copy of this Policy in an alternative format, please contact us at 562-493-9393 or [email protected]
Changes To Our Privacy Policy
We may change this Policy 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 Policy. You should regularly check this page for any changes to this Policy.
YOUR CONTINUED USE, ACCESS, OR INTERACTION WITH THE SITES OR SERVICES, OR YOUR CONTINUED COMMUNICATIONS WITH US AFTER THE UPDATED POLICY HAS BEEN POSTED WILL REPRESENT THAT YOU HAVE READ AND UNDERSTOOD THIS POLICY.