Any revision to this form requires approval of a Stewart Title Guaranty Company underwriter. The underwriting guidelines contained herein have been provided for general reference. The facts, circumstances, and location of the subject property should be considered when determining the issuance of the requested form or endorsement. Please note that all of the forms and endorsements included in this system may not be available in all states. Accordingly, please contact the appropriate Stewart Title Guaranty Company underwriting personnel in order to determine availability.
Compliance with the underwriting guidelines contained herein in no way obligates Stewart Title Guaranty Company to issue any form or endorsement.
Guideline: STG Privacy Notice
Organizational Guidelines
Guideline: STG Privacy Notice
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Explanation:
“STG Privacy Notice 1 (Rev 11/19/13) Stewart Title Companies” is now replaced with Stewart Title Guaranty Company GLBA Privacy Notice.
California Residents:
Effective January 1, 2023, the California Privacy Rights Act (“CPRA”) expands the rights granted to California consumers under the California Consumer Privacy Act (“CCPA”) introduced in 2018 and which became effective in 2020. The CPRA affords additional privacy rights for consumers that are California residents as well as those declaring domicile in the state of California as defined in the CCPA. Thus, consumers in your transaction involving property outside of California may also be considered California residents for the purposes of CCPA and CPRA.
For example, a buyer with a primary residence in New York is purchasing a condo for their son/daughter in Boston to attend Harvard University and, unbeknownst to Stewart, the buyer also owns other property in California and, under the CCPA’s broad definition, is considered a California resident, the notice would need to be given by the Massachusetts office when issuing its title product regardless of where the closing is taking place.
The introduction of the CPRA places significant requirements on businesses that collect, maintain and/or sell personal information of California residents.
Underwriting Requirements:
The CCPA and CPRA are applicable to California residents and individuals declaring domicile in the state of California. As we are unable to determine the exact domicile of an individual involved in a transaction, this Notice is required to accompany Stewart’s GLBA Privacy Notice at all times and on all property transactions regardless of the property state.
For Stewart’s direct operations and affiliated companies, your strict adherence to this guideline is required.
For Stewart’s independent agents, this guideline is only intended to provide information regarding the updated laws and regulations and should not be used for legal advice. If, however, you provide Stewart’s Privacy Notice in connection with your business, you must update Stewart’s Privacy Notice to include the Privacy Notice at Collection for California Residents. This guideline is not otherwise intended to require changes to your internal policies or processes.
- This guideline applies to the following form(s):