Terms of ServiceTerminos de Servicio

These Terms of Service ("Terms") govern your use of the website and services provided by Title Company Agency LLC, doing business as Closed By Whom ("Company," "we," "us," or "our"). By accessing our website at closedbywhom.com or using our title, escrow, and closing services, you agree to be bound by these Terms.

1. Services

We provide title insurance, escrow, closing, settlement, and related real estate transaction services in the State of Florida. Our services are subject to all applicable federal and state laws and regulations, including the Florida Insurance Code, the rules of the Florida Department of Financial Services, and the regulations of the Florida Office of Insurance Regulation.

Title insurance premiums in Florida are promulgated by the Florida Office of Insurance Regulation and are not subject to negotiation. All fees and charges beyond the promulgated rates will be disclosed to you in advance of closing.

2. Eligibility

Our services are available to individuals who are at least 18 years of age and entities that are legally formed and in good standing. By using our services, you represent that you have the legal capacity and authority to enter into agreements and conduct real estate transactions.

3. User Obligations

When using our services, you agree to:

• Provide accurate, complete, and current information as required for your transaction
• Promptly notify us of any changes to information you have provided
• Cooperate with reasonable requests for documentation and verification
• Comply with all applicable laws and regulations
• Not use our website or services for any unlawful purpose
• Not attempt to interfere with the proper functioning of our website or systems

4. Title Orders & Escrow

By submitting a title order through our website or other channels, you authorize us to begin title search and examination work. You acknowledge that:

• Title orders are subject to our standard fees as disclosed at the time of order
• Cancellation fees may apply if a title order is canceled after work has commenced
• Escrow funds will be held in IOLTA-compliant trust accounts in accordance with Florida law
• Disbursement of escrow funds is subject to satisfaction of all closing conditions
• We act as a neutral third party in escrow transactions and do not provide legal advice

5. Wire Fraud Warning

IMPORTANT: Real estate transactions are targets for wire fraud. We will NEVER send you wire instructions via email without prior verification. If you receive wire instructions by email purporting to be from our office, do NOT wire funds until you have verified the instructions by calling us directly at (305) 988-9666. We are not responsible for funds wired to fraudulent accounts based on unauthorized communications.

6. Title Insurance

Title insurance policies are underwritten by First American Title Insurance Company. The Company acts as a licensed title insurance agent and not as the insurer. All claims under title insurance policies are the responsibility of the underwriter. Title insurance policies are subject to their own terms, conditions, and exclusions, which will be provided to you at or before closing.

7. Website Use

The content on our website is provided for general informational purposes only and does not constitute legal, financial, or professional advice. While we strive to keep information accurate and current, we make no warranties about the completeness, reliability, or accuracy of the information on our website.

The title rate calculator and other tools on our website provide estimates only. Actual costs may vary depending on the specific details of your transaction. Contact us for a precise quote.

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Title Company Agency LLC or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our express written permission.

9. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or services. Our total liability for any claim arising from our services shall not exceed the fees actually paid by you for the specific service giving rise to the claim.

This limitation does not apply to liability arising from title insurance policies, which are governed by their own terms, or to any liability that cannot be limited by law.

10. Indemnification

You agree to indemnify and hold harmless the Company, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your breach of these Terms or your misuse of our services.

11. Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida. Any disputes arising from these Terms or your use of our services shall be resolved in the courts of Collier County, Florida, unless otherwise agreed by the parties.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website. Your continued use of our services after changes are posted constitutes your acceptance of the modified Terms.

13. Contact