Privacy Policy

CT National Escrow

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our escrow services and website.

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

1. Information We Collect

1.1 Information You Provide

We collect information you voluntarily provide when you:

Create an account
Initiate or participate in transactions
Complete identity verification
Contact customer support
Subscribe to communications

This information may include:

Personal Identifiers: Full name, date of birth, email address, phone number, mailing address
Government-Issued Identification: Driver's license, passport, national ID card, Social Security Number or Tax Identification Number
Financial Information: Bank account details, credit/debit card numbers, cryptocurrency wallet addresses, payment history
Transaction Information: Details of goods or services being transacted, transaction amounts, communications between parties
Business Information: Company name, registration number, business address, authorized representatives (for business accounts)

1.2 Information Collected Automatically

When you access our website or services, we automatically collect:

Device Information: IP address, browser type and version, operating system, device identifiers
Usage Data: Pages visited, time spent on pages, click patterns, referring URLs
Location Data: General geographic location based on IP address
Cookies and Tracking Technologies: Information collected through cookies, pixels, and similar technologies

1.3 Information from Third Parties

We may receive information about you from:

Identity verification services
Credit reporting agencies
Financial institutions
Payment processors
Public databases and government records
The other party in your escrow transaction

2. How We Use Your Information

We use collected information for the following purposes:

2.1 Providing Services

Processing and managing escrow transactions
Verifying your identity and preventing fraud
Facilitating payments and disbursements
Communicating with you about transactions
Resolving disputes between parties

2.2 Legal and Regulatory Compliance

Complying with anti-money laundering (AML) laws
Meeting Know Your Customer (KYC) requirements
Responding to legal requests and court orders
Reporting to tax authorities as required
Fulfilling record-keeping obligations

2.3 Security and Fraud Prevention

Detecting and preventing fraudulent activity
Monitoring for suspicious transactions
Protecting against unauthorized access
Investigating potential violations of our Terms

2.4 Service Improvement

Analyzing usage patterns to improve our platform
Developing new features and services
Conducting research and analytics
Troubleshooting technical issues

2.5 Communications

Sending transaction notifications and updates
Providing customer support
Sending administrative messages
Marketing communications (with your consent)

3. How We Share Your Information

We may share your information in the following circumstances:

3.1 Transaction Parties

To facilitate escrow transactions, we share necessary information with the other party involved, including name, contact details, and transaction-specific information.

3.2 Service Providers

We share information with third-party vendors who assist us in operating our business:

Payment processors and financial institutions
Identity verification providers
Cloud hosting and data storage providers
Customer support platforms
Analytics providers
Legal and accounting professionals

These providers are contractually obligated to protect your information and use it only for the services they provide to us.

3.3 Legal Requirements

We may disclose your information when required by law or in response to:

Court orders and subpoenas
Government or regulatory agency requests
Law enforcement investigations
Legal proceedings involving CT National Escrow

3.4 Protection of Rights

We may share information when necessary to:

Enforce our Terms of Service and other agreements
Protect our rights, property, or safety
Protect the rights, property, or safety of our users or others
Investigate potential fraud or violations

3.5 Business Transfers

If CT National Escrow is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any change in ownership or control of your personal information.

3.6 With Your Consent

We may share your information for other purposes with your explicit consent.

4. Cookies and Tracking Technologies

4.1 Types of Cookies We Use

Essential Cookies: Required for basic site functionality, security, and authentication
Functional Cookies: Remember your preferences and settings
Analytics Cookies: Help us understand how visitors use our site
Marketing Cookies: Track activity across websites to deliver relevant advertising

4.2 Managing Cookies

You can control cookies through your browser settings. Note that disabling certain cookies may affect site functionality. Most browsers allow you to:

View cookies stored on your device
Delete all or specific cookies
Block cookies from all or specific sites
Set preferences for certain types of cookies

4.3 Do Not Track

Our website does not currently respond to "Do Not Track" browser signals. However, you can manage your privacy preferences through cookie settings.

5. Data Security

CT National Escrow implements robust security measures to protect your information:

Encryption: All data is encrypted in transit (TLS/SSL) and at rest (AES-256)
Access Controls: Strict role-based access to personal information
Monitoring: Continuous monitoring for unauthorized access or suspicious activity
Employee Training: Regular security awareness training for all staff
Third-Party Audits: Periodic security assessments by independent auditors
Incident Response: Established procedures for responding to data breaches

While we take extensive precautions, no system is completely secure. We cannot guarantee absolute security of your information.

6. Data Retention

We retain your information for as long as necessary to:

Provide our services and maintain your account
Comply with legal and regulatory requirements
Resolve disputes and enforce agreements
Maintain business records

Retention Periods:

Data Type	Retention Period
Account information	Duration of account plus 7 years
Transaction records	7 years from transaction completion
Identity verification documents	5 years from verification date
Communications and support tickets	3 years from last interaction
Website usage data	2 years

After the retention period expires, we securely delete or anonymize your information.

7. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights:

7.1 Access

You may request a copy of the personal information we hold about you.

7.2 Correction

You may request that we correct inaccurate or incomplete information.

7.3 Deletion

You may request deletion of your personal information, subject to legal retention requirements.

7.4 Portability

You may request your data in a structured, machine-readable format.

7.5 Restriction

You may request that we limit how we use your information.

7.6 Objection

You may object to certain processing activities, including direct marketing.

7.7 Withdraw Consent

Where processing is based on consent, you may withdraw that consent at any time.

Exercising Your Rights:

To exercise any of these rights, contact us at privacy@ctnationalescrow.com. We will respond within 30 days. We may need to verify your identity before processing your request.

8. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Right to Know: Request information about the categories and specific pieces of personal information we have collected
Right to Delete: Request deletion of your personal information
Right to Opt-Out: Opt out of the sale of your personal information (CT National Escrow does not sell personal information)
Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To submit a CCPA request, contact us at privacy@ctnationalescrow.com or call our toll-free number.

9. International Data Transfers

CT National Escrow is based in the United States. If you access our services from outside the US, your information will be transferred to and processed in the United States, where data protection laws may differ from your jurisdiction.

For users in the European Economic Area (EEA), United Kingdom, or Switzerland, we rely on:

Standard Contractual Clauses approved by the European Commission
Other legally recognized transfer mechanisms

By using our Service, you consent to the transfer of your information to the United States.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will promptly delete it. If you believe we have collected information from a child, please contact us immediately.

11. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

12. Updates to This Policy

We may update this Privacy Policy from time to time. When we make changes:

We will post the revised policy on our website
We will update the "Effective Date" at the top
For material changes, we will notify you via email or prominent notice on our site

Your continued use of our Service after changes are posted constitutes acceptance of the updated policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

CT National Escrow

Privacy Inquiries: Email: privacy@ctnationalescrow.com

General Support: Email: support@ctnationalescrow.com

Mailing Address: CT National Escrow Attn: Privacy Team [Business Address] [City, State ZIP]

We aim to respond to all inquiries within 30 days.

By using CT National Escrow, you acknowledge that you have read, understood, and agree to this Privacy Policy.