Privacy Notice
Consumer Privacy Notice
Kensington Vanguard National Land Services, LLC (“Kensington Vanguard”) has relationships withmany types of financial services providers, such as insurance agencies and brokers, banks, consumer finance companies, securities broker-dealersand mortgage companies. Over our long history as a financial services provider, we have placed the highest value on the information you share with us, and we are committed to protecting your privacy. This commitment forms the cornerstone of trust and confidence on which we hope to build long-lasting relationships with the clients we serve. Our Consumer Privacy Notice ("Notice") reaffirms our commitment to safeguarding your information.
Consumer Privacy Notice
Our Notice tells you the kind of information we collect about you, with whom we share it, and how we protect it responsibly. Our Notice applies to individuals who obtain insurance products or services through our agents for personal, family, or household purposes. You may receive a different Privacy Notice if you have relationships with our affiliated companies.The examples that you will find throughout this Notice are for purposes of illustration only and should not be considered a complete description of our information practices. For example, we may not collect or disclose all of the categories of information described in this Notice in every transaction. If you terminate your relationship with us or your policy lapses or becomes inactive, we will continue to treat the information we have collected about you in accordance with our privacy policy.
Categories of Information We May Collect
When we provide title insurance and/or settlement and escrow services, we may collect information directly from you (for example, your name, address, telephone number, and Social Security number) and from other sources such as the lender, attorney, or real estate broker that you have chosen in order to provide the products and services you have requested, to service your policy, and to determine your eligibility for other products and services. We may also collect the following categories of information about you, from the following sources:
- Information we receive from you on applications, or other formsand other oral, written, or electronic communications, such as your name, address, email address, Social Security number, assets, and income;
- Information about your transactions with us and our affiliated companies, or others, such as transaction history, policy coverage, premiums, payment history, and claims history;
- Information collected from our Internet websites, such as information you provide to us and information necessary to manage your online session with us;
- Information about your transaction, including the identity of the real property that you are selling, purchasing, or financing; and
- When we provide settlement services, we may receive information from third parties, including appraisals, loan applications, credit reports, land surveys, loan and escrow account balances, and bank account numbers to facilitate the transaction.
Disclosure of Information to Third Parties
We do not disclose information about you to third parties, except as required or permitted by law. For example, in the course of our general business practices, we may disclose information contained in applications and other forms that we collect, as previously described, to the following types of third parties for the reasons described:- To a third party to perform a business, professional, or insurance function for us;
- To an insurance company, agent, insurance support organization, or self-insurer to detect or prevent fraud, criminal activity, or misrepresentation in connection with an insurance transaction;
- To an insurance company, agent, or insurance support organization to perform a function in connection with an insurance transaction involving you; and
- To an insurance regulatory authority, law enforcement, or other governmental authority to prevent or prosecute fraud, or if we believe that you have conducted illegal activities.
In addition, where permitted by law, we may disclose the information we collect about you, as previously described, to other companies that perform marketing services on our behalf and to other financial services companies with whom we have joint marketing agreements.
Virginia residents: Unless you tell us not to, we may share information about you with insurance companies and other third parties described above in order to give you appropriate insurance coverage upon expiration of your policy. You may direct us at any time not to share this information by contacting us at 866-858-5158.
Information We May Share With Affiliated- Companies
Unless you tell us not to, we may share information about our experiences and transactions with you (such as type of insurance) and identifying information about you (such as your name and address) as well as other information described below withour affiliatedcompanies. We will share this information with our affiliates for the purpose of offering to you or considering you for products, services, or opportunities made available by other affiliated companies. This other information includes the following:- Information we obtain from your applications or other forms, such as your income, assets, and employment history;
- Information we obtain from a credit bureau, such as your credit history; and
- Information we obtain from others to verify information provided by you, such as your credit or other relationships with third parties.
Your Information Choices
How to Tell Us to Limit the Sharing of Information With Affiliated Companies
If you are a new client, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our client, we continue to share your information as described in this notice.
If you ask us to limit the sharing of information with our affiliated companies, you may miss learning of financial products and services offered by these companies that might be of benefit to you.
If you prefer that we not share information about you with our affiliates, you may direct us at any time not to share (opt out) by calling us at 866-858-5158. We will process your request as soon as we reasonably can. If you have already directed us not to share, you do not need to opt out again. We may continue to share information about you with our affiliates as required or permitted by law. For example, we may share information to enable an affiliate to perform a business function for us. Each affiliate will continue to contact its consumer clients with offers of its own products and services. You will continue to receive product messages, via telephone mail and email offers from our affiliated companies with whom you have relationships.
How to Tell Us to Limit Affiliated CompanyMarketing
Federal law gives you the right to limit some, but not all, marketing from our affiliated companies. Federal law also requires us to give you this Notice to tell you about your choice to limit marketing from affiliated companies.
You may limit our affiliated companies from marketing their products or services to you based on your personal information that they receive from Kensington Vanguard.
- You may limit marketing offers at any time by calling us at 866-858-5158.
How to Review and Correct Your Personal Information
Under applicable law, you may request to see the personal information about you in our records except for certain documents related to claims and lawsuits. We may direct you to a consumer reporting agency to obtain certain consumer report information.
If you believe that the personal information we have about you in our records is incomplete or inaccurate, please let us know at once, and we will investigate and correct any errors that we find. Your request should be made via phone to 866-858-5158.
Our Security Procedures
We maintain physical, electronic, and procedural safeguards that comply with federal guidelines to safeguard consumer information. Our employees are bound by our Codeof Ethics and Business Conduct and policies to access consumer information only for legitimate business purposes and to keep information about you confidential.Protecting Children
Kensington Vanguard strictly follows the federal guidelines of the Children’s Online Privacy Protection Act (COPPA), which gives parents control over what type of information is collected online about their children. We do not knowingly collect, maintain, or use personally identifiable information from children under age 13 on our websites. We are not responsible for the data collection and use practices of nonaffiliated third parties that are linked from our websites. Visit the Federal Trade Commission’s COPPA website (https://www.ftc.gov/legal-library/browse/rules/childrens-online-privacy-protection-rule-coppa) for more information.Our Privacy Protections
You may have other privacy protections under some state laws. We will comply with applicable state laws as to information about you. For example, certain state laws may require us to provide you with an additional notice.If your address is in California, New Mexico, or North Dakota, you will be treated as if you opted out of joint marketing arrangements.
California residents: The California Consumer Privacy Act Notice describes your privacy rights and explains how to exercise those rights. Please view our California Consumer Privacy Notice by clicking on the CA Privacy Notice link located at the bottom of our website.
If your address is in Vermont, you will be treated as if you opted out of sharing of information among affiliates and opted out of joint marketing arrangements.
Maine residents: You have the right to know the reasons for an adverse underwriting decision. Previous adverse underwriting decisions may not be used as the basis for subsequent underwriting decisions unless the carrier makes an independent evaluation of the underlying facts. You also have the right, with very narrow exceptions, not to be subjected to pretext interviews.
