Privacy Policy

At Luminary Title Group, we understand that real estate transactions require you to share sensitive personal and financial information with us. Protecting that information is important to us.

This Privacy Policy explains what information we may collect, how we use it, and when it may be shared.

Information We Collect

We collect information needed to provide title, escrow, closing, and settlement services. Depending on the transaction, this may include:

• Name, address, email address, and phone number
• Social Security or taxpayer identification number
• Driver's license or other identification
• Bank account and wire information
• Loan, mortgage, payoff, and lien information
• Property and transaction information
• Contracts, deeds, affidavits, and other closing documents

We may receive this information directly from you or from others involved in your transaction, including Realtors, lenders, attorneys, title insurance underwriters, financial institutions, government offices, and other service providers.

How We Use Your Information

We use your information to complete and support your real estate transaction. This may include:

• Performing title searches and examinations
• Preparing title commitments and policies
• Preparing and conducting closings
• Receiving and disbursing funds
• Verifying identities and wire instructions
• Paying off liens and mortgages
• Recording documents
• Preventing fraud
• Communicating with the parties involved in your transaction
• Meeting legal, regulatory, and title insurance underwriting requirements

We may also use your contact information to communicate with you about Luminary Title Group services, classes, events, or other information when appropriate.

When We Share Information

We do not sell your non-public personal information.

We may share information when necessary to complete your transaction or operate our business. This may include sharing information with:

• Title insurance underwriters
• Lenders and financial institutions
• Realtors and attorneys
• Buyers, sellers, and other parties to the transaction
• Government and recording offices
• Payoff lenders and lienholders
• Notaries and signing professionals
• Identity verification and fraud prevention providers
• Technology and closing service providers
• Other companies assisting us with the transaction

We may also disclose information when required by law, regulation, court order, governmental request, or other legal process.

How We Protect Your Information

Luminary Title Group maintains administrative, technical, and physical safeguards designed to protect personal and non-public personal information.

Access to sensitive information is limited to employees and authorized service providers who need the information to perform their work.

We also evaluate the security practices of vendors and service providers that may have access to sensitive information.

Electronic Communications and Wire Fraud

Real estate transactions are frequent targets of wire fraud.

Please do not send Social Security numbers, bank information, wire instructions, identification, or other sensitive information through regular email.

Luminary Title Group may use secure systems and portals to exchange sensitive information.

Always independently verify wire instructions before sending funds. Do not rely solely on an email containing new or changed wire instructions.

Our Website

When you visit our website, we may automatically collect basic information such as your IP address, browser type, device information, pages visited, and general website activity.

Our website may also use cookies or analytics tools to help the site function properly and help us understand how visitors use it.

Information collected through third-party services may also be subject to those providers' privacy policies.

Record Retention

We keep information for as long as reasonably necessary to provide our services and meet legal, regulatory, title insurance underwriting, and business recordkeeping requirements.

When sensitive information is no longer required, we use appropriate methods to securely dispose of it.

Questions

If you have questions about this Privacy Policy or how Luminary Title Group handles personal information, please contact us:

Luminary Title Group
1164 Nashville Pike
Gallatin, TN 37066
615-452-5282
info@luminarytitlegroup.com

Changes to This Policy

We may update this Privacy Policy from time to time. The most current version will be posted on our website with the updated effective date.