HomeMy WebLinkAboutWooding Title Report.pdf Land Title Guarantee Company
Date: 04-09-2002 RE: V275798
To:
LEWIS EDWARD WOOD1NGS
4925 DORSET AVE.
CHEVY CHASE,MD 20815
April 09, 2002
rig
Land Title
IiUARANTEE COMPANY
LEWIS EDWARD WOODINGS
4925 DORSET AVE.
CHEVY CHASE, MD 20815
Subject: Attached Title Commitment 275798
for Lot 12, Matterhorn Village
LEWIS EDWARD WOODINGS,
Congratulations on your contract for purchasing the property listed above.
Attached please find a copy of Land Title's commitment to provide title insurance for your transaction.
This commitment consists of three parts:
* Schedule A discloses your name(s) as you intend to take title to the property, the purchase
price, your lender and/or loan amount if known at this time, the seller(s) name(s) and the
legal description of the property under contract.
* Schedule B, Section 1 (the Requirements) discloses items that need to be resolved
before or at the closing. We have begun the process of making sure these requirements are
met and we will contact you if we require any additional information.
* Schedule B, Section 2 (the Exceptions) discloses other interests in the property,
such as easements and covenants, that we will be taking exception to in the title policy. If
covenants are listed, copies will be provided for your review.
Please be aware that you may receive additional copies of this title commitment if we receive new
information pertaining to your transaction. In the event that you receive subsequent commitments,
the changes we have made from the previous version will be underlined so you will be able to
easily identify what information is new.
In addition, we have also enclosed an informational sheet explaining residential title insurance.
Land Title Guarantee Company is proud to partner with your agent, STEPHEN MICHONSKI of
PRUDENTIAL GORE RANGE PROPERTIES - VAIL, in this transaction. We will be working as a
team to answer your questions, to resolve any issues if they arise, and to complete your
transaction by providing you with a friendly and professional closing.
Sincerely,
Arzana Rucker
65 Market St #4, P.o. Box 4420
Eagle, Co 81631
TITLE.LETTER.BUYER
IP"
Land Tide A Guide to Your Title Policy
GUARANI EL COMPANY
A forgery 50 years ago...
A deed executed under duress...
An error by a clerk in the county recorder's office...
A misapplied tax payment...
An undisclosed heir that resurfaces ten years from now and demands his rights to your property...
These are just a few of the hidden defects that could cause you to lose your property.And even if you don't lose your property altogether,
certain title problems can make it impossible for you to sell or even give it away. The purchase of a home may be the single largest
investment you'll make in your lifetime.You don't want a problem that occurred long before you bought your property to deprive you of the
right to use or dispose of it, or to affect the value of your investment.And you don't want to pay the potentially ruinous costs of defending
your property rights in court.
A title insurance policy from Land Title is your best protection against potential defects that could remain hidden despite the most thorough
search of public records.
What is title insurance?
Unlike casualty insurance(auto,fire, or health insurance,for example),which protects against future events,title insurance protects a
property owner or lender against losses arising from unknown or undisclosed defects in the past chain of title.
Unlike casualty insurance premiums,which are paid in continual installments(hense a lapse in payment may mean a lapse or cancellation in
coverage),a title insurance premium is a one-time flat fee regulated by the Division of Insurance and paid at the time of closing.For this one-time
premium,an owner's title insurance policy remains in effect as long as the insured or the insured's heirs retain an interest in the property
or have any obligations to warrant the title to the property when they sell it.
A residential title insurance policy is like a pre-paid legal defense against any challenges to the insured's title and will reimburse the insured
financially for any losses as a result of hidden defects in ownership rights.
The title company
Land Title Guarantee Company is a locally owned and operated title insurance agent that has been serving the residential real estate community in
Colorado since 1967.Land Title is focused on the future and the changing needs of the Colorado real estate market.
The property search
Before your real estate transaction closes,the title company performs an extensive search of all recorded documents related to the property. The
history of ownership of a specific piece of property is referred to as the"chain of title."
The examination and commitment to insure
Experienced title officers then examine these records to determine their effect on the current status of ownership,and a report,also called a
"commitment," is issued for your review.This thorough examination generally identifies any pending title problems that must be cleared prior to
your purchase of the property and issuance of the policy.
Hidden risks
If title insurance companies work to eliminate risks and prevent losses caused by defects in the title before the closing,why do you need a title
insurance policy? Because even after the most careful search,some title flaws may go undetected. Here are some of the more common flaws to title
that are not of record and therefore may not be discovered after a thorough title exam:
*forged deed,releases, or wills;
*other types of fraud(for example,false claims of ownership...false impersonation of the true owner of the property...illegal acts of
administrators or attorneys);
*undisclosed or missing heirs;
*documents executed under an invalid or expired power of attorney;
*misinterpretations of wills;
*deeds by persons of unsound mind;
*deeds by minors;
*deeds by persons supposedly single but in fact married;
* liens for unpaid estate,inheritance, income, or gift taxes;
*mistakes in recording of legal documents.
These problems may have arisen at any time during the history of ownership of the property but may surface at any time in the future.
The commitment requirements
One of the most important parts of the property search and exam is to determine if there are any unreleased liens attached to the property, or any
unsatisfied judgments or tax liens against the current or previous owners. Any defect against the property is referred to as a"cloud on the title"
and must be eliminated before the title insurance policy can be issued.These defects,as well as other requirements(like the recording of a
warranty deed)that must be met prior to issuance of the policy,are listed as"Requirements"under Schedule B-1 of the title commitment.
Your Land Title closer will work closely with your real estate professional and/or the seller to take care of these items prior closing.
The commitment exceptions
In addition to the requirements that must be satisfied prior to closing,there may be other documents recorded against a particular piece of
property that are considered 'reasonable burdens."These items might include restrictive covenants,easements,mineral reservations,or taxes,
or other items that remain as burdens on the property regardless of ownership.
Owner's title policy
Once the requirements have been met and the closing takes place on the transaction,Land Title will issue an Owner's Title Policy to the new
owner of the property.The standard residential policy issued in Colorado is the ALTA Owner's Policy,which provides ample coverage to the
owner including all the hidden risks mentioned earlier. Depending upon where the property is located and whether certain conditions exist,
your Realtor may request an Owner's Extended Coverage(O.E.C.)Policy for you,which will provide the following additional benefits in
addition to the standard residential Owner's Policy;
*The policy amount will automatically increase by 10% on each of the first five anniversaries of the policy date;
*Mechanic's lien protection;
*Survey protection;
* "Gap" coverage;
*Covenant and restriction protection;
*Plain language policy;and
*IRS reporting compliance.
In some areas of the state,Owner's Extended Coverage is not available and therefore the standard ALTA Owner's Policy will be issued.Upon
examination of title and provided certain conditions are met,endorsements may be attached to the standard Owner's Policy that provide
additional coverages similar to the O.E.C.Policy.Your real estate professional can help you determine which type of policy will provide
the best protections for your particular situation.
Lender's title policy
In addition to the purchaser of the property,the lender to the transaction will also require title insurance, The buyer generally purchases
a"Mortgagee's Policy" of title insurance that insures the lender's interest in the property and loan priority.Most lenders require title
insurance for the loan they make to the purchaser and usually consider the associated costs to be the borrowers.
Endorsements
Sometimes a lender will require additional coverages not included in the standard lender policy and will order "endorsements" that provide
additional coverage.The price for these endorsements is filed with the Division of Insurance and may be a flat fee or a percentage of the
basic title insurance premium, depending upon the risk involved in issuing the coverage.As with most costs with the loan,this is
usually considered a cost for the borrower. Some of the more common endorsements you may see on your commitment include:
*Form 100 provides comprehensive coverage for the lender insuring against violation of covenants,encroachments of the main dwelling,and
the priority of the loan being affected by association liens.
*Form 100.29 insures against damage to the existing improvements resulting from a previous owner exercising their right to remove minerals
from the surface.
*Form 115.1 insures that association liens will not affect the priority of the loan and assures compliance in dealing with the first
right of refusal.
*Form 8.1 insures that no environmental liens have been filed with either the county Clerk and Recorder or with the U.S. District Court.
.
Land Title Guarantee Company
CUSTOMER DISTRIBUTION
Date: 04-09-2002 Our Order Number: V275798
Property Address:
LOT 12, MATTERHORN VILLAGE
PRUDENTIAL GORE RANGE PROPERTIES-VAIL PRUDENTIAL GORE RANGE PROPERTIES-VAIL
511 LIONSHEAD MALL 511 LIONSHEAD MALL
VAIL,CO 81657 VAIL,CO 81657
' Attn: LARRY AGNEBERG Attn: STEPHEN MICHONSKI
Phone: 970-476-2482 Phone: 970-476-2482
Fax: 970-476-6499 Fax: 970-476-6499
EMail: agneberg@vail.net Sent Via.Courier***
Sent Via Courier***
HARRY AND COLLEEN GRAY LEWIS EDWARD WOODINGS
2672 KINNICKINNICK ROAD 4925 DORSET AVE.
VAIL,CO 81657 CHEVY CHASE,MD 20815
Sent Via US Postal Service Sent Via US Postal Service
I
LAND TITLE GUARANTEE COMPANY
65 MARKET ST#4,P.O. BOX 4420
EAGLE,CO 81631
Attn: Arzana Rucker
Phone: 970-328-5065
Fax: 970-328-5064
I
Form DELIVERY
- 1
Land Title Guarantee Company
YOUR CONTACTS
Date: 04-09-2002 Our Order Number: V275798
Property Address:
LOT 12, MATTERHORN VILLAGE
Buyer/Borrower:
LEWIS EDWARD WOODINGS •
Seller/Owner:
HARRY C. GRAY AND COLLEEN G. GRAY
If you have any inquiries or require further assistance, please contact one of the numbers below:
For Closing Assistance: For Title Assistance:
Arzana Rucker Vail Title Dept.
65 MARKET ST#4, P.O. BOX 4420
EAGLE, CO 81631 108 S. FRONTAGE RD. W. #203
Phone: 970-328-5065 P.O. BOX 357
Fax: 970-328-5064 VAIL, CO 81657
EMail: arucker@itgc.corn Phone: 970-476-2251
Fax: 970-476-4534
Need a map or directions for your upcoming closing? Check out Land Title's web site at www.ltgc.com
for directions to any of our 40 office locations.
ESTIMATE OF TITLE FEES
Alta Owners Policy 10-17-92 (Reissue Rate) $924. 00
Deletion of Standard Exceptions 1-3 (Owner) $30. 00
Deletion of Standard Exception 4(Owner) $10.00
Tax Report R013530 has been ordered from Eagle Cty $15.00
TOTAL $979. 00
Form coarracT THANK YOU FOR YOUR ORDER!
Chicago Title Insurance Company
ALTA COMMITMENT
Our Order No. V275798
Schedule A Cust. Ref.:
Property Address:
LOT 12, MATTERHORN VILLAGE
1. Effective Date: March 27, 2002 at 5:00 P.M.
2. Policy to be Issued, and Proposed Insured:
"ALTA" Owner's Policy 10-17-92 $460,000.00
Proposed Insured:
LEWIS EDWARD WOODINGS
3. The estate or interest in the land described or referred to in this Commitment and covered herein is:
A Fee Simple
4. Title to the estate or interest covered herein is at the effective date hereof vested in:
HARRY C. GRAY AND COLLEEN G. GRAY
5. The land referred to in this Commitment is described as follows:
LOT 12, MATTERHORN VILLAGE, ACCORDING TO THE RECORDED PLAT THEREOF, COUNTY OF
EAGLE, STATE OF COLORADO.
f -
ALTA COMMITMENT
Schedule B -Section 1
(Requirements) Our Order No. V275798
The following are the requirements to be complied with:
Item(a)Payment to or for the account of the grantors or mortgagors of the full consideration for the estate or
interest to be insured.
[
Item (b)Proper instrument(s) creating the estate or interest to be insured must he executed and duly filed for record,
• to-wit:
Item(c) Payment of all taxes, charges or assessments levied and assessed against the subject premises which are due
and payable.
Item (d) Additional requirements, if any disclosed below:
1. RELEASE OF DEED OF TRUST DATED JULY 30, 1998 FROM HARRY C, GRAY AND COLLEEN
G. GRAY TO THE PUBLIC TRUSTEE OF EAGLE COUNTY FOR THE USE OF KLEIN
MORTGAGE, INC., DBA THE KLEIN GROUP, A COLORADO CORPORATION TO SECURE THE
SUM OF $288,750.00 RECORDED AUGUST 03, 1998, UNDER RECEPTION NO. 664622.
SAID DEED OF TRUST WAS ASSIGNED TO THE BANK OF NEW YORK IN ASSIGNMENT
RECORDED AUGUST 10. 1999 UNDER RECEPTION NO. 705024.
2. RELEASE OF DEED OF TRUST DATED APRIL 18, 2001 FROM HARRY C. GRAY AND
COLLEEN G. GRAY TO THE PUBLIC TRUSTEE OF EAGLE COUNTY FOR THE USE OF
•
FIRSTBANK OF VAIL TO SECURE THE SUM OF $90,000.00 RECORDED APRIL 24, 2001,
UNDER RECEPTION NO. 755353.
EXTENSION AND MODIFICATION AGREEMENT IN CONNECTION WITH SAID DEED OF TRUST
WAS RECORDED DECEMBER 03, 2001 UNDER RECEPTION NO. 777464.
3. WARRANTY DEED FROM HARRY C. GRAY AND COLLEEN G. GRAY TO LEWIS EDWARD
WOODINGS CONVEYING SUBJECT PROPERTY.
THE FOLLOWING DELETIONS/MODIFICATIONS ARE FOR THE OWNER'S POLICY.
NOTE: ITEMS 1-3 OF THE GENERAL EXCEPTIONS ARE HEREBY DELETED.
UPON THE APPROVAL OF THE COMPANY AND THE RECEIPT OF A NOTARIZED FINAL LIEN
AFFIDAVIT, ITEM NO. 4 OF THE GENERAL EXCEPTIONS WILL BE AMENDED AS
FOLLOWS:
r
ALTA COMMITMENT
Schedule 13 - Section I
(Requirements) Our Order No. V275798
Continued:
ITEM NO. 4 OF THE GENERAL EXCEPTIONS IS DELETED AS TO ANY LIENS OR FUTURE
j LIENS RESULTING FROM WORK OR MATERIAL FURNISHED AT THE REQUEST OF HARRY C.
GRAY AND COLLEEN G. GRAY.
CHICAGO TITLE INSURANCE COMPANY SHALL HAVE NO LIABILITY FOR ANY LIENS •
ARISING FROM WORK OR MATERIAL FURNISHED AT THE REQUEST OF LEWIS EDWARD
WOODINGS.
NOTE: ITEM 5 OF THE GENERAL EXCEPTIONS WILL BE DELETED IF LAND TITLE
RECORDS THE DOCUMENTS REQUIRED UNDER SCHEDULE B-l.
NOTE: UPON PROOF OF PAYMENT OF ALL TAXES, ITEM 6 WILL BE AMENDED TO READ:
•
• TAXES AND ASSESSMENTS FOR THE YEAR 2002 AND SUBSEQUENT YEARS.
ITEM 7 UNDER SCHEDULE B-2 WILL BE DELETED UPON PROOF THAT THE WATER AND
SEWER CHARGES ARE PAID UP TO DATE.
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ALTA COMMITMENT
Schedule B - Section 2
(Exceptions) Our Order No. V275798
The policy or policies to be issued will contain exceptions to the following unless the same are disposed
of to the satisfaction of the Company:
1. Rights or claims of parties in possession not shown by the public records.
•
2. Easements, or claims of easements, not shown by the public records. ••
3. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, and any facts which a correct survey and
inspection of the premises would disclose and which are not shown by the public records.
4. Any lien, or right to a lien, for services, labor or material theretofore or hereafter furnished, imposed by law and
not shown by the public records. •
•
5. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the public records or
attaching subsequent to the effective date hereof but prior to the date the proposed insured acquires of record for
value the estate or interest or mortgage thereon covered by this Commitment.
6. Taxes or special assessments which are not shown as existing liens by the public records.
7. Liens for unpaid water and sewer charges, if any.
8. In addition, the owner's policy will be subject to the mortgage, if any, noted in Section 1 of Schedule B hereof.
9. RIGHT OF PROPRIETOR OF A VEIN OR LODE TO EXTRACT AND REMOVE HIS ORE
THEREFROM SHOULD THE SAME BE FOUND TO PENETRATE OR INTERSECT THE PREMISES
AS RESERVED IN UNITED STATES PATENT RECORDED OCTOBER 04, 1918, IN BOOK 93
AT PAGE 301.
10. RIGHT OF WAY FOR DITCHES OR CANALS CONSTRUCTED BY THE AUTHORITY OF THE
UNI'T'ED STATES AS RESERVED IN UNITED STATES PATENT RECORDED OCTOBER 04,
1918, IN BOOK 93 AT PAGE 301.
11. RESTRICTIVE COVENANTS WHICH DO NOT CONTAIN A FORFEITURE OR REVERTER CLAUSE,
BUT OMITTING RESTRICTIONS, IF ANY, BASED ON RACE, COLOR, RELIGION, OR
NATIONAL ORIGIN, AS CONTAINED IN INSTRUMENT RECORDED NOVEMBER 20, 1963, IN
BOOK 178 AT PAGE 263.
12. EASEMENT GRANTED TO VAIL VILLAGE WEST WATER AND SANITATION DISTRICT FOR A
WATER TREATMENT AND DISTRIBUTION SYSTEM AS CONTAINED IN INSTRUMENT
RECORDED APRIL 22, 1971, IN BOOK 220 AT PAGE 326.
13. TEN FOOT EASEMENT ALONG ALL SIDE LOT LINES NOT ABUTTING ROADWAYS AS
RESERVED ON THE RECORDED PLAT OF MATTERHORN VILLAGE.
ALTA COMMITMENT
Schedule B - Section 2
(Exceptions) Our Order No. V275798
The policy or policies to be issued will contain exceptions to the following unless the same are disposed
of to the satisfaction of the Company:
14. RIGHT OF WAY EASEMENT AS GRANTED TO HOLY CROSS ELECTRIC ASSOCIATION, INC.,
INC., IN INSTRUMENT RECORDED SEPTEMBER 21, 1976 IN BOOK 248 AT PAGE 887.
15. TERMS, CONDITIONS AND PROVISIONS OF ORDER OF INCLUSION BY THE UPPER EAGLE
VALLEY SANITATION DISTRICT RECORDED AUGUST 25, 1981 IN BOOK 328 AT PAGE
174.
16. TERMS, CONDITIONS AND PROVISIONS OF ORDER INCLUDING SUBJECT PROPERTY IN THE
VAIL VILLAGE WEST WATER AND SANITATION DISTRICT RECORDED SEPTEMBER 07,
1973 IN BOOK 230 AT PAGE 977.
17. TERMS, CONDITIONS AND PROVISIONS OF ORDER INCLUDING SUBJECT PROPERTY IN THE
VAIL VILLAGE WEST FIRE PROTECTION DISTRICT RECORDED SEPTEMBER 19, 1973 IN
BOOK 231 AT PAGE 143.
18. EASEMENTS, RESERVATIONS AND RESTRICTIONS AS SHOWN OR SET FORTH ON THE
RECORDED PLAT OF MATTERNHORN VILLAGE.
19. ENCROACHMENT OF SHED, FENCE AND RETAINING WALL INTO EASEMENT AS SHOWN ON
IMPROVEMENT LOCATION CERTIFICATE PREPARED NOVEMBER 14, 1991 BY JOHNSON,
KUNKEL&ASSOCIATES, INC., JOB NO. 91443.
20. ENCROACHMENT OF STAIRWELL AND RETAINING WALL ONTO MATTERHORN CIRCLE AS
SHOWN ON IMPROVEMENT LOCATION CERTIFICATE PREPARED NOVEMBER 14, 1991 BY
JOHNSON, KUNKEL&ASSOCIATES, INC., JOB NO. 91443.
21. EXISTING LEASES AND IENANCIES.
•
•
•
LAND TITLE GUARANTEE COMPANY
DISCLOSURE STATEMENTS
Note: Pursuant to CRS 10.11-122, notice is hereby given that:
A) The subject real property may be located in a special taxing district.
B) A Certificate of Taxes Due listing each taxing jurisdiction may be obtained from the County
Treasurer's authorized agent.
C) The information regarding special districts and the boundaries of such districts may be obtained from
the Board of County Commissioners, the County Clerk and Recorder, or the County Assessor.
Note: Effective September 1, 1997, CRS 30-10-406 requires that all documents received for recording or filing
in the clerk and recorder's office shall contain a top margin of at least one inch and a left, right and bottom
margin of at least one half of an inch. The clerk and recorder may refuse to record or file any document that
does not conform, except that, the requirement for the top margin shall not apply to documents using forms
on which space is provided for recording or filing information at the top margin of the document.
Note: Colorado Division of Insurance Regulations 3-5-1, Paragraph C of Article VII requires that "Every
title entity shall be responsible for all matters which appear of record prior to the time of recording •
whenever the title entity conducts the closing and is responsible for recording or filing of legal
documents resulting from the transaction which was closed". Provided that Land Title Guarantee
Company conducts the closing of the insured transaction and is responsible for recording the
legal documents from the transaction, exception number 5 will not appear on the Owner's Title
Policy and the Lenders Policy when issued.
Note: Affirmative mechanic's lien protection for the Owner may be available (typically by deletion
of Exception no. 4 of Schedule B, Section 2 of the Commitment from the Owner's Policy to be
issued)upon compliance with the following conditions:
A) The land described in Schedule A of this commitment must be a single family residence which
includes a condominium or townhouse unit.
B) No labor or materials have been furnished by mechanics or material-men for purposes of
construction on the land described in Schedule A of this Commitment within the past 6 months.
C) The Company must receive an appropriate affidavit indemnifying the Company against un-filed
mechanic's and material-men's liens.
D) The Company must receive payment of the appropriate premium.
E) If there has been construction, improvements or major repairs undertaken on the property to be purchased
within six months prior to the Date of the Commitment, the requirements to obtain coverage
for unrecorded liens will include: disclosure of certain construction information; financial information
as to the seller, the builder and or the contractor; payment of the appropriate premium fully
executed Indemnity Agreements satisfactory to the company, and, any additional requirements
as may be necessary after an examination of the aforesaid information by the Company.
No coverage will be given under any circumstances for labor or material for which the insured
has contracted for or agreed to pay. •
Note: Pursuant to CRS 10-11-123, notice is hereby given:
A) That there is recorded evidence that a mineral estate has been severed, leased, or otherwise
conveyed from the surface estate and that there is a substantial likelihood that a third party
holds some or all interest in oil, gas, other minerals, or geothermal energy in the property; and
B)That such mineral estate may include the right to enter and use the property without the
surface owner's permission.
This notice applies to owner's policy commitments containing a mineral severance instrument
exception, or exceptions, in Schedule B, Section 2.
Nothing herein contained will be deemed to obligate the company to provide any of the coverages
referred to herein unless the above conditions are fully satisfied.
Form DISCLOSURE
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JOINT NOTICE OF PRIVACY POLICY ••
Fidelity National Financial Group of Companies/Chicago Title Insurance Company and
Land Title Guarantee Company
July 1, 2001
We recognize and respect the privacy expectations of today's consumers and the requirements of applicable federal and
state privacy laws. We believe that making you aware of how we use your non-public personal.information ("Personal
Information"), and to whom it is disclosed, will form the basis for a relationship of trust between us and the public
that we serve. This Privacy Statement provides that explanation. We reserve the right to change this Privacy
Statement from time to time consistent with applicable privacy laws.
In the course of our business, we may collect Personal Information about you from the following sources:
* From applications or other forms we receive from you or your authorized representative;
* From your transactions with, or from the services being performed by, us, our affiliates, or others;
* From our internet web sites;
* From the public records maintained by governmental entities that we either obtain directly from those
entities, or from our affiliates or others; and
* From consumer or other reporting agencies.
Our Policies Regarding the Protection of the Confidentiality and Security of Your Personal Information
We maintain physical, electronic and procedural safeguards to protect your Personal Information from unauthorized
access or intrusion. We limit access to the Personal Information only to those employees who need such access in
connection with providing products or services to you or for other legitimate business purposes.
Our Policies and Practices Regarding the Sharing of Your Personal Information
We may share your Personal Information with our affiliates, such as insurance companies, agents, and other real
estate settlement service providers. We also may disclose your Personal Information:
* to agents, brokers or representatives to provide you with services you have requested;
* to third-party contractors or service providers who provide services or perform marketing or other
functions on our behalf; and •
* to others with whom we enter into joint marketing agreements for products or services that we believe you
may find of interest. •
In addition, we will disclose your Personal Information when you direct or give us permission, when we are required
by law to do so, or when we suspect fraudulent or criminal activities. We also may disclose your Personal
Information when otherwise permitted by applicable privacy laws such as, for example, when disclosure is needed
to enforce our rights arising out of any agreement, transaction or relationship with you. •
One of the important responsibilities of some of our affiliated companies is to record documents in the public
domain. Such documents may contain your Personal Information.
Right to Access Your Personal Information and Ability to Correct Errors Or Request Changes Or Deletion •
Certain states afford you the right to access your Personal Information and, under certain circumstances, to find out !
to whom your Personal Information has been disclosed. Also, certain states afford you the right to request
correction, amendment or deletion of your Personal Information. We reserve the right, where permitted by law, to
charge a reasonable fee to cover the costs incurred in responding to such requests.
All requests submitted to the Fidelity National Financial Group of Companies/Chicago Title Insurance Company
shall be in writing, and delivered to the following address:
Privacy Compliance Officer
Fidelity National Financial, Inc.
4050 Calle Real, Suite 220
Santa Barbara, CA 93110
Multiple Products or Services
If we provide you with more than one financial product or service, you may receive more than one privacy notice
from us. We apologize for any inconvenience this may cause you.
Form PRIV.POL.CHI
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