WCT
World Class Title

Privacy Policy

Last updated: April 13, 2026

1. Introduction

World Class Title ("WCT," "we," "us," or "our") operates the Smart Zero platform at smart.worldclasstitle.com. This Privacy Policy describes how we collect, use, disclose, and protect personal information when you use our title and closing services, including our web-based onboarding, title search, payoff processing, and communication tools.

By using our services, you consent to the practices described in this policy.

2. Information We Collect

2.1 Information You Provide

  • Identity information: Full legal name, marital status, spouse information
  • Contact information: Email address, phone number, mailing address, social media handles
  • Financial information: Mortgage account details, loan numbers, lender information, payoff amounts
  • Transaction information: Property address, purchase price, closing date, financing details, earnest money
  • Authorization data: Digital signatures, typed legal name authorizations, timestamps of consent
  • Communications: Messages sent through our platform, notes, and questions

2.2 Information Collected Automatically

  • Usage data: Pages visited, features used, timestamps of interactions
  • Device information: Browser type, operating system, device identifiers
  • Audit data: Records of who accessed or modified transaction data and when

2.3 Information from Third Parties

  • Property data: Property records, ownership history, tax assessments, and legal descriptions from public records, ATTOM Data, and county recorder databases
  • Contact enrichment: Phone numbers and email addresses from skip-trace services (BatchData) to facilitate transaction communications
  • Identity verification: Government ID and selfie verification through Stripe Identity to confirm seller identity
  • Lender information: Payoff contacts, fax numbers, and processing details from our servicer database

3. How We Use Your Information

We use personal information to:

  • Process real estate closings and title insurance transactions
  • Conduct title searches across public records
  • Generate and transmit payoff demand letters to lenders on your behalf
  • Verify mortgage account information and authorization
  • Communicate with parties involved in your transaction (agents, lenders, buyers, sellers)
  • Send onboarding forms, status updates, and transaction notifications via email
  • Publish listing marketing content (property photos, descriptions, and agent attribution) to social media platforms on behalf of real estate agents
  • Detect and monitor mortgage releases post-closing
  • Generate underwriting guidance and compliance alerts
  • Maintain audit trails for regulatory compliance
  • Improve our services and user experience

4. Data Security

We take the security of your data seriously and implement multiple layers of protection:

  • Encryption at rest: Sensitive data including Social Security numbers, bank account numbers, and routing numbers are encrypted using AWS Key Management Service (KMS) with AES-256 encryption
  • Encryption in transit: All data transmitted between your browser and our servers is protected with TLS 1.2+ encryption
  • Access controls: Role-based access ensures employees only see data relevant to their responsibilities. Row-level security is enforced at the database level
  • Audit logging: Every access and modification to transaction data is logged with timestamps, user identification, and change details
  • Masked display: Sensitive numbers (SSN, account numbers) are masked in the user interface, showing only the last 4 digits
  • Secure third-party connections: Identity verification through Stripe Identity uses bank-level encryption. Document uploads are processed securely and stored with encryption at rest

5. Information Sharing

We may share your personal information with:

  • Transaction parties: Real estate agents, lenders, and other parties involved in your closing, as necessary to complete the transaction
  • Lenders and servicers: To request payoff statements and process loan payoffs on your behalf, with your signed authorization
  • Title underwriters: Stewart Title, Westcor Title, and other underwriters for title insurance issuance
  • Government agencies: County recorders, auditors, and courts as required for title searches and document recording
  • Service providers: Technology partners who help us operate our platform (Supabase for data storage, Resend for email delivery, AWS for encryption, Stripe for identity verification, Vercel for hosting, Meta Platforms for social media publishing)
  • Social media platforms: Property listing photos, descriptions, and agent contact information published to Meta platforms (Instagram, Facebook) as part of marketing services — see Section 6 below
  • Legal compliance: When required by law, regulation, subpoena, or court order

We do not sell your personal information to third parties for marketing purposes.

6. Social Media Publishing

As part of our marketing services for real estate agents, we publish property listing content to social media platforms operated by Meta Platforms, Inc., including Instagram and Facebook.

6.1 What We Publish

When a real estate agent orders a marketing package that includes social media services, we may publish the following to our official World Class Title social media accounts:

  • Property photos: Listing photos provided by the agent or photographer as part of the marketing order
  • Property details: Address, city, state, zip code, and property descriptions
  • Agent attribution: Agent name, brokerage name, phone number, email address, and social media handles as provided by the agent

6.2 How Publishing Works

  • Content is published to World Class Title's own Instagram and Facebook Page accounts
  • Publishing occurs on the date specified by the agent ("social go-live date") when placing the marketing order
  • We use Meta's Graph API to publish content; once published, the content is subject to Meta's Privacy Policy and Terms of Service
  • Published posts are publicly visible on the internet and may be indexed by search engines

6.3 AI-Assisted Content Selection

We use artificial intelligence (Google Gemini) to analyze listing photos and select the most effective images for social media presentation. This analysis is performed server-side and is used solely to determine photo selection and sequencing. No biometric data is collected or processed.

6.4 Agent Consent

By submitting a marketing order with social media services and providing a social go-live date, the ordering agent authorizes World Class Title to publish the provided listing content to our social media accounts. Agents may contact us to request removal of published content.

6.5 Meta Platform Data

Our integration with Meta Platforms is limited to publishing content. We do not access or store personal data from Meta users who interact with our posts (such as likes, comments, or follower information) beyond what is necessary to confirm successful publication. We do not use Meta data for advertising, profiling, or any purpose unrelated to publishing listing content.

7. Data Retention

We retain transaction data for the duration required by Ohio title insurance regulations and applicable federal requirements. Title records are generally retained for a minimum of 10 years after closing. Audit logs are retained for 7 years. You may request deletion of non-regulated data by contacting us.

8. Your Rights

Depending on your jurisdiction, you may have the right to:

  • Access the personal information we hold about you
  • Correct inaccurate personal information
  • Request deletion of your personal information (subject to legal retention requirements)
  • Opt out of non-essential communications
  • Receive a copy of your data in a portable format

To exercise these rights, contact us at privacy@worldclasstitle.com.

9. Cookies and Tracking

We use essential cookies to maintain your session and preferences (such as dismissed bulletin notifications). We do not use third-party advertising cookies or behavioral tracking.

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised "Last updated" date.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, contact us at:

World Class Title
Columbus, Ohio
Phone: (614) 882-8022
Email: privacy@worldclasstitle.com