HomeMy WebLinkAbout7.PROJ-26-0042 PTR
OLD REPUBLIC TITLE COMPANY
For Exceptions Shown or Referred to, See Attached
Page 1 of 8 Pages
ORT 3158-A (Rev. 08/07/08)
855 Harter Parkway, Suite 130
Yuba City, CA 95993
(530) 673-8841 Fax: (530) 673-5607
PRELIMINARY REPORT
Our Order Number 4211023593-JS
When Replying Please Contact:
Jayne Silveira
jsilveira@ortc.com
(530) 673-8841
J HILL LAND COMPANY
2983 Clark Road
Live Oak, CA 95953
Attention: JUSTIN HILL
Property Address:
1520 Gilstrap Avenue, Gridley, CA 95948
[Unincorporated area of Butte County]
In response to the above referenced application for a policy of title insurance, OLD REPUBLIC TITLE COMPANY, as issuing Agent
of Old Republic National Title Insurance Company, hereby reports that it is prepared to issue, or cause to be issued, as of the date
hereof, a Policy or Policies of Title Insurance describing the land and the estate or interest therein hereinafter set forth, insuring
against loss which may be sustained by reason of any defect, lien or encumbrance not shown or referred to as an Exception below or
not excluded from coverage pursuant to the printed Schedules, Conditions and Stipulations of said policy forms.
The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks of said Policy or Policies are set forth in
Exhibit I attached. The policy to be issued may contain an arbitration clause. When the Amount of Insurance is less than that set forth
in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insured as the exclusive
remedy of the parties.Limitations on Covered Risks applicable to the Homeowner’s Policy of Title Insurance which establish a
Deductible Amount and a Maximum Dollar Limit of Liability for certain coverages are also set forth in Exhibit I. Copies of the Policy
forms should be read. They are available from the office which issued this report.
Please read the exceptions shown or referred to below and the exceptions and exclusions set forth in Exhibit I of this
report carefully. The exceptions and exclusions are meant to provide you with notice of matters which are not covered
under the terms of the title insurance policy and should be carefully considered.
It is important to note that this preliminary report is not a written representation as to the condition of title and may
not list all liens, defects, and encumbrances affecting title to the land.
This report (and any supplements or amendments hereto) is issued solely for the purpose of facilitating the issuance of a policy of title
insurance and no liability is assumed hereby. If it is desired that liability be assumed prior to the issuance of a policy of title insurance,
a Binder or Commitment should be requested.
Dated as of May 15,2026,at 8:00 AM
OLD REPUBLIC TITLE COMPANY
ORDER NO. 4211023593-JS
Page 2 of 8 Pages
ORT 3158-B
The form of policy of title insurance contemplated by this report is:
CLTA Standard Coverage Loan Policy of Title Insurance -2022. A specific request should be
made if another form or additional coverage is desired.
The estate or interest in the land hereinafter described or referred or covered by this Report is:
Fee
Title to said estate or interest at the date hereof is vested in:
Lechtaler Family Partnership, a California general partnership, as to Parcel One;
Jeffrey C. Lechtaler and Jorain Lechtaler, husband and wife as community property with right
of survivorship as to a 50% undivided interest and Jan Lechtaler, Trustee of the Dan Lechtaler
and Jan Lechtaler Revocable Living Trust dated April 16, 2004 as to a 50% undivided interest,
as to Parcel Two
The land referred to in this Report is situated in the unincorporated area of the County of Butte,State of California, and is
described as follows:
PARCEL ONE:
Lot 14, excepting the northerly 495 feet thereof, and Lot 16, excepting the southerly 185 feet thereof, as
shown on that certain Map entitled “Map of Gridley Colony No. 6”, which map was filed in the Office of the
Recorder of the County of Butte on April 12, 1906 in Book 5 of Maps, at Page 20.
APN: 024-010-040-000
PARCEL TWO:
The southerly 330 feet of the northerly 495 feet of Lot 14, as shown on that certain Map entitled “Map of
Gridley Colony No. 6”, which map was filed in the Office of the Recorder of the County of Butte on April 12,
1906 in Book 5 of Maps, at Page 20.
APN: 024-010-042-000
At the date hereof exceptions to coverage in addition to the Exceptions and Exclusions in said policy form would be as follows:
1.Taxes and assessments, general and special, for the fiscal year 2026 -2027, a lien, but not
yet due or payable.
OLD REPUBLIC TITLE COMPANY
ORDER NO. 4211023593-JS
Page 3 of 8 Pages
ORT 3158-B
2.Taxes and assessments, general and special, for the fiscal year 2025 -2026, as follows:
Assessor's Parcel No :024-010-040-000
Code No.:075-004
1st Installment :$1,171.97 Marked Paid
2nd Installment :$1,171.97 Marked Paid
Land Value :$149,281.00
Imp. Value :$12,786.00
P.P. Value :$38,378.00 Growing improvements
Affects Parcel One
3.Taxes and assessments, general and special, for the fiscal year 2025 -2026, as follows:
Assessor's Parcel No :024-010-042-000
Code No.:075-004
1st Installment :$2,064.43 Marked Paid
2nd Installment :$2,064.43 Marked Paid
Land Value :$135,059.00
Imp. Value :$233,163.00
Exemption :$5,600.00 Homeowner's
Affects Parcel Two
4.The lien of supplemental taxes, if any, assessed pursuant to the provisions of Section 75, et
seq., of the Revenue and Taxation Code of the State of California.
5.The herein described land lies within the bounds of Sutter-Butte Flood Control Agency
Assessment District, as contained in the instrument entitled “Notice of Assessment” recorded
September 29, 2010 in Official Records under Recorder’s Serial Number 2010-0033912.
6.The herein described land lies within the bounds of the Sacramento-San Joaquin Drainage
District.
7.The herein described land lies within the bounds of Drainage District No. 1 of Butte County.
8.The herein described land lies within the bounds of Butte Water District.
9.Water rights, claims or title to water, whether or not shown by the public records.
OLD REPUBLIC TITLE COMPANY
ORDER NO. 4211023593-JS
Page 4 of 8 Pages
ORT 3158-B
10.Rights of the public, County and/or City, in and to that portion of said land lying within the
lines of Gilstrap Avenue.
11.An easement affecting that portion of said land and for the purposes stated herein and
incidental purposes as provided in the following
Reserved By :Irrigated Land Company of California
For :Necessary irrigation and drainage ditches and canals, and incidental
purposes
Recorded :October 7, 1907 in Book 100 of Deeds, Page 135
Affects :Parcels One and Two
The present ownership of said easement and other matters affecting the interests
thereto, if any, are not shown herein.
12.An easement affecting that portion of said land and for the purposes stated herein and
incidental purposes as provided in the following
Reserved By :Irrigated Land Company of California
For :Necessary irrigation and drainage ditches and canals, and incidental
purposes
Recorded :January 11, 1909 in Book 109 of Deeds, Page 317
Affects :Parcel One
The present ownership of said easement and other matters affecting the interests
thereto, if any, are not shown herein.
13.An easement affecting that portion of said land and for the purposes stated herein and
incidental purposes as provided in the following
Reserved By :C.S. Hulen, et ux
For :Irrigation ditch
Recorded :January 25, 1954 in Book 704 of Official Records, Page 184
Affects :Easterly 10 feet of Parcel Two
The present ownership of said easement and other matters affecting the interests
thereto, if any, are not shown herein.
OLD REPUBLIC TITLE COMPANY
ORDER NO. 4211023593-JS
Page 5 of 8 Pages
ORT 3158-B
14.An easement affecting that portion of said land and for the purposes stated herein and
incidental purposes as provided in the following
Reserved By :C.S. Hulen, et ux
For :Irrigation ditch
Recorded :March 24, 1954 in Book 711 of Official Records, Page 238
Affects :Easterly 10 feet of Parcel One
The present ownership of said easement and other matters affecting the interests
thereto, if any, are not shown herein.
15.Deed of Trust to secure an indebtedness of the amount stated below and any other amounts
payable under the terms thereof,
Amount :$362,000.00
Trustor/Borrower :Jeffrey C. Lechtaler and Jorain Lechtaler, husband and wife as
community property with rights of survivorship as to a 50%
undivided interest and Jan Lechtaler, Trustee of the Dan Lechtaler
and Jan Lechtaler Revocable Living Trust dated April 16, 2004 as
to a 50% undivided interest
Trustee :Placer Title Company
Beneficiary/Lender :MERS, Mortgage Electronic Registration Systems, Inc.
Dated :December 24, 2024
Recorded :December 31, 2024 in Official Records under Recorder's Serial
Number 2024-0033410
Loan No.:8501561774
“MIN”:1000458-1000421994-2
Returned to :Umpqua Bank
Attn: Post Closing
6610 SW Cardinal Lane, 1st Floor
Tigard, OR 97224
Affects Parcel Two
16.Any unrecorded and subsisting leases.
17.The requirement that a Statement of Partnership Authority (Form GP-1) for Lechtaler Family
Partnership be duly filed in the office of the Secretary of State and that a certified copy of
same be recorded in the office of the County Recorder; and that the Company be furnished
with a current list naming all members of said partnership.
The Company reserves the right to make additional exceptions and/or requirements upon
examination of the foregoing.
OLD REPUBLIC TITLE COMPANY
ORDER NO. 4211023593-JS
Page 6 of 8 Pages
ORT 3158-B
18.Terms and conditions contained in the Dan Lechtaler and Jan Lechtaler Revocable Living
Trust dated April 16, 2004 as disclosed by Grant Deed.
Recorded March 14, 2023 in Official Records under Recorder's Serial Number
2023-0007328
The requirement that:
A Certification of Trust be furnished in accordance with Probate Code Section 18100.5; and
If the acting trustee is a successor trustee the additional requirement the Company is
provided a complete copy of the trust, with all amendments and any intervening trustee is no
longer acting in that capacity by providing copies of resignation letters, etc.
The Company reserves the right to make additional exceptions and/or requirements upon
review of the above.
19.NOTE: Information in possession of this Company indicates a contemplated Lot Line
Adjustment. In connection therewith, this Company requires that a copy of the Resultant
and/or Transfer Parcel descriptions and any associated survey map(s) and/or exhibit(s) be
furnished for our review.
--------------------Informational Notes -------------------
A.NOTE: The last recorded transfer or agreement to transfer the land described herein is as
follows:
Instrument
Entitled :Grant Deed
By/From :Dan Lechtaler and Jan Lechtaler, Co-Trustees of the Dan Lechtaler
and Jan Lechtaler Revocable Living Trust dated April 16, 2004 and
Jeffrey Lechtaler and Jorain Lechtaler
To :Lechtaler Family Partnership, a California general partnership
Recorded :July 3, 2017 in Official Records under Recorder's Serial Number 2017-
0022934
As to Parcel One
OLD REPUBLIC TITLE COMPANY
ORDER NO. 4211023593-JS
Page 7 of 8 Pages
ORT 3158-B
Grant Deed executed by Jeffrey C. Lechtaler who acquired title as Jeffrey Lechtaler
and Jorain Lechtaler, husband and wife a community property with rights of
survivorship as to a 50% undivided interest and Jan Lechtaler, Trustee of the Dan
Lechtaler and Jan Lechtaler Revocable Living Trust dated April 16, 2004 as to a 50%
undivided interest to Jeffrey C. Lechtaler and Jorain Lechtaler, husband and wife as
community property with rights of survivorship as to a 50% undivided interest and
Jan Lechtaler, Trustee of the Dan Lechtaler and Jan Lechtaler Revocable Living Trust
dated April 16, 2004 as to a 50% undivided interest recorded December 31, 2024 in
Official Records under Recorder's Serial Number 2024-0033409.
As to Parcel Two
OLD REPUBLIC TITLE COMPANY
ORDER NO. 4211023593-JS
Page 8 of 8 Pages
ORT 3158-B
NOTE:
The following statement is deemed attached as a coversheet to any declaration, governing document, or deed
identified in the above exceptions:
If this document contains any restriction based on age, race, color, religion, sex,
gender, gender identity, gender expression, sexual orientation, familial status,
marital status, disability, veteran or military status, genetic information,
national origin, source of income as defined in subdivision (p) of Section 12955,
or ancestry, that restriction violates state and federal fair housing laws and is
void, and may be removed pursuant to Section 12956.2 of the Government
Code by submitting a “Restrictive Covenant Modification” form, together with a
copy of the attached document with the unlawful provision redacted to the
county recorder’s office. The “Restrictive Covenant Modification” form can be
obtained from the county recorder’s office and may be available on its internet
website. The form may also be available from the party that provided you with
this document. Lawful restrictions under state and federal law on the age of
occupants in senior housing or housing for older persons shall not be construed
as restrictions based on familial status.
Information for processing a “Restrictive Covenant Modification” form:
1.Print a complete copy of the document in question. Strike out what you believe to be unlawful restrictive
language in the document.
2.Print and complete the “Restrictive Covenant Modification” (“RCM”) form. Note that the signature on the form
must be acknowledged by a notary public or other qualified officer.
3.Submit the completed RCM form and the document with your strike-outs to the County Clerk-Recorder’s Office
for the county where the property is located. No fee is required for this service.
4.The County Clerk-Recorder’s Office will forward the RCM form and the document with your strike-outs to the
Office of the County Counsel, who will determine whether the document contains any unlawful restrictions.
5.The Office of the County Counsel will return the RCM form and the document with your strike-outs to the
County Clerk-Recorder’s Office along with its determination. If approved, a Deputy County Counsel will sign the
RCM, and the County Clerk-Recorder’s Office will record, image and index it. If the Office of the County Counsel
determines that the document does not contain an unlawful restriction, the County Clerk-Recorder’s Office will
not record the RCM.
6.The approved RCM will be returned to the submitter by mail.
The “Restrictive Covenant Modification” form is linked below:
Restrictive Covenant Modification form
Page 1 of 1
ORDER NO. : 4211023593
EXHIBIT A
The land referred to is situated in the unincorporated area of the County of Butte, State of
California, and is described as follows:
PARCEL ONE:
Lot 14, excepting the northerly 495 feet thereof, and Lot 16, excepting the southerly 185 feet
thereof, as shown on that certain Map entitled “Map of Gridley Colony No. 6”, which map was
filed in the Office of the Recorder of the County of Butte on April 12, 1906 in Book 5 of Maps, at
Page 20.
APN: 024-010-040-000
PARCEL TWO:
The southerly 330 feet of the northerly 495 feet of Lot 14, as shown on that certain Map
entitled “Map of Gridley Colony No. 6”, which map was filed in the Office of the Recorder of the
County of Butte on April 12, 1906 in Book 5 of Maps, at Page 20.
APN: 024-010-042-000
Page 1 of 2
Exhibit I
CALIFORNIA LAND TITLE ASSOCIATION
LOAN POLICY OF TITLE INSURANCE –2022
EXCLUSIONS FROM COVERAGE
The following matters are excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys’
fees, or expenses that arise by reason of:
1.a.any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) that restricts,
regulates, prohibits, or relates to:
i.the occupancy, use, or enjoyment of the Land;
ii.the character, dimensions, or location of any improvement on the Land;
iii.the subdivision of land; or
iv.environmental remediation or protection.
b.any governmental forfeiture, police, regulatory, or national security power.
c.the effect of a violation or enforcement of any matter excluded under Exclusion 1.a. or 1.b.
Exclusion 1 does not modify or limit the coverage provided under Covered Risk 5 or 6.
2.Any power of eminent domain. Exclusion 2 does not modify or limit the coverage provided under Covered Risk 7.
3.Any defect, lien, encumbrance, adverse claim, or other matter:
a.created, suffered, assumed, or agreed to by the Insured Claimant;
b.not Known to the Company, not recorded in the Public Records at the Date of Policy, but Known to the Insured
Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant
became an Insured under this policy;
c.resulting in no loss or damage to the Insured Claimant;
d.attaching or created subsequent to the Date of Policy (Exclusion 3.d. does not modify or limit the coverage provided
under Covered Risk 11, 13, or 14); or
e.resulting in loss or damage that would not have been sustained if consideration sufficient to qualify the Insured
named in Schedule A as a bona fide purchaser or encumbrancer had been given for the Insured Mortgage at the
Date of Policy.
4.Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable
doing-business law.
5.Invalidity or unenforceability of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured
Mortgage and is based upon usury law or Consumer Protection Law.
6.Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights law, that the
transaction creating the lien of the Insured Mortgage is a:
a.fraudulent conveyance or fraudulent transfer;
b.voidable transfer under the Uniform Voidable Transactions Act; or
c.preferential transfer:
i.to the extent the Insured Mortgage is not a transfer made as a contemporaneous exchange for new value; or
ii.for any other reason not stated in Covered Risk 13.b.
7.Any claim of a PACA-PSA Trust. Exclusion 7 does not modify or limit the coverage provided under Covered Risk 8.
8.Any lien on the Title for real estate taxes or assessments imposed by a governmental authority and created or attaching
between the Date of Policy and the date of recording of the Insured Mortgage in the Public Records. Exclusion 8 does not
modify or limit the coverage provided under Covered Risk 2.b. or 11.b.
9.Any discrepancy in the quantity of the area, square footage, or acreage of the Land or of any improvement to the Land.
EXCEPTIONS FROM COVERAGE
Some historical land records contain Discriminatory Covenants that are illegal and unenforceable by law. This policy treats
any Discriminatory Covenant in a document referenced in Schedule B as if each Discriminatory Covenant is redacted,
repudiated, removed, and not republished or recirculated. Only the remaining provisions of the document are excepted from
coverage.
This policy does not insure against loss or damage and the Company will not pay costs, attorneys’ fees, or expenses resulting from the
terms and conditions of any lease or easement identified in Schedule A, and the following matters:
Page 2 of 2
PART IA
1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments
on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of
such proceedings, whether or not shown by the records of such agency or by the Public Records.
2. Any facts, rights, interests, or claims that are not shown by the Public Records at Date of Policy but that could be (a) ascertained by
an inspection of the Land, or (b) asserted by persons or parties in possession of the Land.
3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records at Date of Policy.
4. Any encroachment, encumbrance, violation, variation, easement, or adverse circumstance affecting the Title that would be disclosed
by an accurate and complete land survey of the Land and not shown by the Public Records at Date of Policy.
5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights,
claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records.
6. Any lien or right to a lien for services, labor, material or equipment unless such lien is shown by the Public Records at Date of Policy.
7. Any claim to (a) ownership of or rights to minerals and similar substances, including but not limited to ores, metals, coal, lignite, oil,
gas, uranium, clay, rock, sand, and gravel located in, on, or under the Land or produced from the Land, whether such ownership or
rights arise by lease, grant, exception, conveyance, reservation, or otherwise; and (b) any rights, privileges, immunities, rights of way,
and easements associated therewith or appurtenant thereto, whether or not the interests or rights excepted in (a) or (b) appear in the
Public Records or are shown in Schedule B.
PART IB
(Insert specific Schedule B Part I exceptions here)
PART II
Covered Risk 10 insures against loss or damage sustained by the Insured by reason of the lack of priority of the lien of the Insured
Mortgage over the matters listed in Part II, subject to the terms and conditions of any subordination provision in a matter listed in Part II:
(Insert Schedule B Part II exceptions, if any, here)
Updated 1/1/2026
FACTS WHAT DOES OLD REPUBLIC TITLE
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 number and employment information
·Mortgage rates and payments and account balances
·Checking account information and wire transfer instructions
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 Old Republic Title chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Old
Republic Title
share?
Can you limit this
sharing?
For our everyday business purposes —such as to process your
transactions, maintain your account(s), or 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 No We don’t share
For joint marketing with other financial companies No We don’t share
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 non-affiliates to market to you No We don’t share
Go to www.oldrepublictitle.com (Contact Us)
Page 2
Who we are
Who is providing this notice?Companies with an Old Republic Title name and other affiliates. Please see below for
a list of affiliates.
What we do
How does Old Republic Title
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.For more information,visit
https://www.oldrepublictitle.com/privacy-policy
How does Old Republic Title
collect my personal information?
We collect your personal information, for example, when you:
·Give us your contact information or show your driver’s license
·Show your government-issued ID or provide your mortgage information
·Make a wire transfer
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.
Why can’t I 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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See
the State Privacy Rights section location at https://www.oldrepublictitle.com/privacy-
policy for your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and
nonfinancial companies.
·Our affiliates include companies with an Old Republic Title name, and financial
companies such as Attorneys’ Title Fund Services, LLC, Lex Terrae National Title Services,
Inc., and Mississippi Valley Title Services Company
Non-affiliates Companies not related by common ownership or control. They can be financial and
nonfinancial companies.
·Old Republic Title does not share with non-affiliates so they can market to you
Joint marketing A formal agreement between non-affiliated financial companies that together
market financial products or services to you.
·Old Republic Title doesn’t jointly market.
Affiliates Who May be Delivering This Notice
American First Title
& Trust Company
American Guaranty
Title Insurance
Company
Attorneys' Title Fund
Services, LLC
Compass Abstract, Inc.eRecording Partners
Network, LLC
Genesis Abstract, LLC Guardian Consumer
Services, Inc.
iMarc, Inc.L.T. Service Corp.Lenders Inspection
Company
Lex Terrae National
Title Services, Inc.
Lex Terrae, Ltd.Mississippi Valley
Title Services
Company
Old Republic Branch
Information Services,
Inc.
Old Republic Diversified
Services, Inc.
Old Republic Escrow
of Vancouver, Inc.
Old Republic
Exchange Company
Old Republic Title and
Escrow of Hawaii, Ltd.
Old Republic National
Title Insurance
Company
Old Republic Title
Company
Old Republic Title
Company of Conroe
Old Republic Title
Company of Nevada
Old Republic Title
Company of
Oklahoma
Old Republic Title
Company of Oregon
Old Republic Title
Company of St. Louis
Old Republic Title
Information
Concepts
Old Republic Title
Insurance Agency,
Inc.
Old Republic Title,
Ltd.
ORT Ancillary
Services, Inc.
RamQuest Software, Inc.
Republic Abstract &
Settlement, LLC
Sentry Abstract
Company
Surety Title Agency, Inc.Trident Land Transfer
Company, LLC
Updated: January 1, 2026
Privacy Notice for California Consumers
This Privacy Notice for California Consumers supplements the information contained in
the Master Privacy Notice for Old Republic Title and applies to consumers that reside in
the State of California. The terms used in this Privacy Notice have the same meaning as
the terms defined in the California Consumer Privacy Act (“CCPA”).
What Personal Information We Collect
In accordance with the CCPA, personal information is information that identifies, relates
to, describes, is capable of being associated with, or could reasonably be linked, directly
or indirectly, with a particular consumer or household. Personal information does not
include:
Information outside the scope of the CCPA such as:
·Health or medical information covered by the Health Insurance Portability Act of
1996 (HIPAA) and the California Confidentiality of Medical Information Act
(CMIA).
·Personal Information covered by the Gramm-Leach-Bliley Act (GLBA), the Fair
Credit Reporting Act (FCRA), the California Financial Information Privacy Act
(FIPA), and the Driver’s Privacy Protection Act of 1994,
·Publicly available information or lawfully obtained, truthful information that is a
matter of public concern, and
·De-identified or aggregated consumer information.
Please see the chart below to learn what categories of personal information we may
have collected about California consumers within the preceding twelve months, the
sources of and business purposes for that collection and the third parties to whom the
information has been disclosed, if any.
Category Examples Sources Business Purpose for Categories of
Collection Third Parties
with Whom
Information is
Shared
Identifiers Real name,
alias, postal
address,
unique
personal
identifier,
Consumers,
Lenders,
Brokers,
Attorneys,
Real Estate
Underwriting or
providing other
products or services,
responding to
policyholder/consumer
Service
providers
associated with
the transaction
online Agents, and claims, inquiries or for a business
identifier,
Internet
protocol
address, email
Title Agents
associated
with the
complaints, detecting
security incidents,
protecting against
purpose
address,
account name,
social security
number,
driver’s license
number,
passport
number or
other similar
identifiers
transaction malicious, deceptive,
fraudulent, or illegal
activity. Other audit or
operational purposes.
Social security
number,
driver’s license
number,
passport
number are
collected
Personal information
described in
Name, signature,
social security
Consumers,
Lenders,
Underwriting or
providing other
Service
providers
California
Customer
number,
physical
Brokers,
Attorneys,
products or services,
responding to
associated with
the transaction
Records characteristics Real Estate policyholder/consumer for a business
Statute (Cal.
Civ. Code §
1798.80(e))
or description,
address,
telephone
number,
passport
number,
driver’s license
or state
identification
card number,
insurance
policy number,
education,
employment,
employment
history, bank
account
number, credit
Agents, and
Title Agents
associated
with the
transaction
claims, inquiries or
complaints, detecting
security incidents,
protecting against
malicious, deceptive,
fraudulent, or illegal
activity. Other audit or
operational purposes.
purpose
card number,
debit card
number, or
any other
financial
information,
medical
information,
or health
insurance
information.
“Personal
information”
does not
include
publicly
available
information
that is lawfully
made available
to the general
public from
federal, state,
or local
government
records.
Social security
number,
driver’s license
number or
state
identification
card number,
passport
number, bank
account
number,
citizenship,
immigration
status are
collected
Characteristics
of protected
classifications
under
Age (40 years
or older),
race, color,
ancestry,
national origin,
Consumers,
Lenders,
Brokers,
Attorneys,
Real Estate
Underwriting or
providing other
products or services,
responding to
policyholder/consumer
Service
providers
associated with
the transaction
California or
federal law
citizenship,
religions or Agents, and
Title Agents
claims, inquiries or
complaints. Other
for a business
purposecreed, marital associated audit or operational
status, medical condition,
physical or
mental disability, sex
with the
transaction
purposes.
(including
gender,
gender
identity,
gender
expression,
pregnancy or
childbirth
and related
medical
conditions),
sexual
orientation,
veteran or
military status,
or genetic
information
(including
familial
genetic
information).
Marital status,
sex, physical
disability,
citizenship is
collected
Internet or
other
electronic
network
activity
Browsing
history, search
history,
information
about a
consumer’s
Consumers,
Lenders,
Brokers,
Attorneys,
Real Estate
To provide access to
certain online
services. To
understand the
interests of visitors to
Not Disclosed
interaction Agents, and our online services, to
with a Title Agents support certain
website,
application, or
advertisement.
associated features of our site,
for navigation and to
display certain
with the features more
transaction effectively. Detecting
security incidents,
protecting against
malicious, deceptive,
fraudulent, or illegal
activity. Other audit or
operational purposes.
What Personal Information We Disclose and Why We
Disclose It
The CCPA requires us to tell you what categories of personal information we “sell”,
“share” or “disclose.” We do not sell and will not sell your personal information as that
term is commonly understood. We also do not sell and will not sell your personal
information, including the personal information of persons under 16 years of age, as that
term is defined by the CCPA. We do not share your personal information as that term is
defined in the CCPA. When it is necessary for a business purpose, we may disclose
your personal information with a service provider or contractor, and we enter into a
contract with the service provider or contractor that limits how the information may be
used and requires the service provider to protect the confidentiality of the information.
In the preceding twelve months, we have disclosed the following categories of personal
information for the following business purposes. Where the personal information is
shared with third parties, as that term is defined in the CCPA, the category of the third
party is indicated.
Category Examples Business Purpose for Categories of
Disclosure Third Parties
with Whom
Information is
Shared
Identifiers
(Including
social
Real name, alias, postal address,
unique personal identifier,
online identifier, internet
protocol address, email address,
account name, social security
Underwriting or
providing other
products or services,
responding to
Service
providers
associated with
the transaction
security
number,number, driver’s license policyholder/consumer
claims, inquiries or
driver’s
license
number,
and
passport
number)
number, passport number or
other similar identifiers complaints, detecting
security incidents,
protecting against
malicious, deceptive,
fraudulent, or illegal
activity. Other audit or
operational purposes.
for a business
purpose
Personal Name, signature, social security Underwriting or Serviceinformation
described in California Customer
number, physical characteristics
or description, address, telephone number, passport number, driver’s license or state
providing other
products or services,
responding to
providers
associated with
the transaction
Records
statute (Cal.
Civ. Code §
1798.80(e))
identification card number,
insurance policy number,
education, employment,
employment history, bank
account number, credit card
policyholder/consumer
claims, inquiries or
complaints, detecting
security incidents,
protecting against
for a business
purpose
(Including
Social security
number,
driver’s license
number, debit card number, or
any other financial information,
medical information, or health
insurance information.
malicious, deceptive,
fraudulent, or illegal
activity. Other audit or
number or
state
identification
card number,
passport
number,
bank account
number,
citizenship,
and
immigration
status)
“Personal information” does
not include publicly available
information that is lawfully
made available to the general
public from federal, state, or
local government records.
operational purposes.
Characteristics
of protected
classifications
under
California or
Age (40 years or older), race,
color, ancestry, national
origin, citizenship, religions or
creed, marital status, medical
condition, physical or mental
Underwriting or
providing other
products or services,
responding to
Service
providers
associated with
the transaction
federal law disability, sex (including gender,
gender identity, gender
policyholder/consumer
claims, inquiries or
for a business
purpose
(Including expression, pregnancy or complaints. Other
marital status,
sex,
citizenship,
and physical
disability)
childbirth and related medical
conditions), sexual orientation,
veteran or military status, or
genetic information (including
familial genetic information).
audit or operational
purposes.
Internet or Browsing history, search To provide access to Not Disclosedother electronic network
history, information about a consumer’s interaction with a website, application, or
certain online
services. To
activity advertisement.understand the
interests of visitors to
our online services, to
support certain
features of our site,
for navigation and to
display certain
features more
effectively. Detecting
security incidents,
protecting against
malicious, deceptive,
fraudulent, or illegal
activity. Other audit or
operational purposes.
We may also transfer to a third party the personal information of a consumer as an
asset that is part of a merger, acquisition, bankruptcy, or other transaction in which the
third party assumes control of all or part of the business.
Our Retention of Your Personal Information
The length of time that we retain personal information largely depends upon the
purpose for which the information was collected rather than the category of the
information as set forth in this Notice. When establishing retention periods, we consider
applicable statutes of limitation and legal and regulatory requirements and guidelines.
Personal information is generally retained for periods of time that permit the company to
meet its legal and regulatory obligations.
Your Rights and Choices
The CCPA provides California consumers with certain rights regarding their personal
information. This chart describes those rights and certain limitations to those rights.
Right What This Means
Notice At or before the time your personal information is collected, you will be given
written notice of the categories of personal information to be collected, the
purposes for which the categories of personal information will be used, and
whether that information is sold or shared.
Access At your verifiable request, but no more than twice in a twelve month period,
we shall disclose to you: 1) the categories of personal information we have
collected about you, 2) the categories of sources for the personal information
we collected about you, 3) our business or commercial purpose for collecting,
selling or sharing your personal information, 4) the categories of third parties
to whom we disclose your personal information, 5) the specific pieces of
information we have collected about you, 6) the categories of personal
information disclosed about you for a business purpose and the categories of
persons to whom your personal information was disclosed for a business
purpose, and 7) if we sold or shared personal information, the categories of
personal information sold or shared and the categories of third parties to
whom it was sold or shared.
Deletion You have the right to request that we delete any of your personal information
that we collected from you, subject to certain exceptions. Once we receive and
verify your request, we will delete (and direct our service providers and
contractors to delete) your personal information from our records unless an
exception applies. We may deny your request if retention of the information is
necessary for us or our service providers to:
·Complete the transaction for which we collected the personal
information, provide a good or service that you requested, take
actions reasonably anticipated within the context of our ongoing
business relationship with you, or otherwise perform our contract with
you.
·Help to ensure security and integrity to the extent the use of your
personal information is reasonably necessary and proportionate to
that purpose. Debug to identify and repair errors that impair existing
intended functionality.·Exercise free speech, ensure the right of another consumer to exercise
their free speech rights, or exercise another right provided for by law.
·Comply with the California Electronic Communications Privacy Act (Cal.
Penal Code §1546 et seq.)
·Engage in public or peer reviewed scientific, historical, or statistical
research that conforms or adheres to all other applicable ethics and
privacy laws, when the information’s deletion is likely to render
impossible or seriously impair the research’s completion, if you
previously provided informed consent.
·Enable solely internal uses that are reasonably aligned with consumer
expectations based on your relationship with us and compatible with
the context in which you provided the information.
·Comply with a legal obligation.
·Or if it is the type of personal information that falls outside the scope
of the CCPA, (HIPAA, CIMA, GLBA, or publicly available information)
Correct You have the right to request that we correct inaccurate personal information
about you, taking into account the nature of the personal information and the
purposes of the processing of the personal information. After we receive and
verify your request, we will use commercially reasonable efforts to correct the
inaccurate personal information as directed by you.
Opt-Out of Sale or
Sharing
Opt-In to Sale or
Sharing
With some limitations, you may direct a business that sells or shares personal
information to third parties not to sell or share the personal information to
these third parties.
A business may not sell or share the personal information of persons less than
sixteen years of age without their affirmative consent, and in the case of those
less than thirteen years of age, the consent must come from a parent.
Limit Use of
Sensitive Personal
Information
You may direct a business to limit the use of your sensitive personal
information to that use which is necessary to perform the services or provide
the goods reasonably expected by an average consumer who requests those
goods or services and certain other limited uses as described in the CCPA and
applicable regulations.
Non-Discrimination We will not discriminate against you for exercising your rights under the CCPA.
Unless otherwise permitted by the CCPA we will not:·Deny you goods or service
·Charge you different prices or rates for goods or services, including
through granting discounts or other benefits, or imposing penalties
·Provide a different level or quality of goods or services
·Suggest that you will receive a different price or rate for goods or
services or a different level or quality of goods or services
To Exercise Your Rights
To Opt-out of the Sale or Sharing of Your Personal
Information
The CCPA gives consumers the right to direct a business that sells or shares personal
information about the consumer to third parties not to sell or share the consumer’s
personal information. We do not sell and will not sell your personal information as that
term is commonly understood. We also do not sell and will not sell your personal
information, as that term is defined by the CCPA. We do not share your personal
information as that term is defined in the CCPA.
To Limit the Use of Sensitive Personal Information
The CCPA gives consumers the right to direct a business to limit the use of the
consumer’s sensitive personal information to that use which is necessary to perform the
services or provide the goods reasonably expected by an average consumer who
requests those goods or services and certain other limited uses as described in the CCPA and
applicable regulations. We do not use or disclose sensitive personal information for purposes other
than those purposes specified in Section 7027, subsection (m) of the California Consumer Privacy Act
Regulations. If we begin using or disclosing your sensitive personal information outside of those
purposes, then we will provide you with the option to limit our use or disclosure through a clear and
conspicuous link on our internet homepage.
To Request Access to, Correction or Deletion of Your
Personal Information
To exercise your access, correction or deletion rights described above, please submit a verifiable
consumer request to us by either: Calling us at 1-855-557-8437 or contacting us through our website
https://ccpa.oldrepublictitle.com .
Only you or your representative that you authorize to act on your behalf (Authorized Agent) can make
a verifiable consumer request for your personal information. You may also make a request for your
minor child. The verifiable request must provide enough information that allows us to reasonably
verify you are the person about whom we collected personal information. We cannot respond to your
request or provide you with personal information if we cannot verify your identity or authority to make
the request and to confirm the personal information relates to you.
We work to respond to a verifiable consumer request within 45 days of its receipt. If we require
additional time, we will inform you of the extension period (up to an additional 45 days), and the reason
for the extension in writing. If you have an account with us, we will deliver our response to that
account. If you do not have an account with us, we will deliver our response by mail or electronically,
depending on your preference. The response we provide will also explain any reasons why we cannot
comply with a request.
You may only make a consumer request for access twice within a twelve-month period. Any
disclosures we provide will apply to the twelve-month period preceding the consumer request’s
receipt.
Contact Us
If you have any questions regarding our Privacy Notice or practices, please contact us or send your
written request to:CCPA@oldrepublictitle.com, 1-855-557-8437, or 3000 Bayport Drive, Suite 1000
Tampa FL 33607