Privacy Policy

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 Effective Date: January 1, 2025

MICADOC, Inc. is dedicated to safeguarding the privacy of our customers and ensuring the confidentiality of the information you provide. In the course of our business, you may share sensitive personal and/or business financial details with us. We adhere to all applicable legal standards and industry best practices for protecting non-public personal information (“NPPI”), in line with the guidelines established by key regulatory bodies and statutes.

1. Collection and Use of Non-Public Personal Information

We collect, maintain, and use NPPI solely to administer our business and deliver superior title services. Your information is used to verify your identity, provide quality customer service, and conduct necessary financial transactions associated with our products and services. The types of NPPI we may collect include, but are not limited to:

• Application Data: Information you provide when applying for our financial products or services (e.g., name, address, income, Social Security number).
• Transactional Data: Details gathered from transactions involving our financial products or services (e.g., account numbers, payment history, loan or deposit balances, credit or debit card transactions).
• Supplementary Data: Information obtained in connection with the provision of our services, such as data from court records or consumer reports.
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2. Sharing of Non-Public Personal Information

MICADOC may disclose your NPPI to third parties under the following circumstances:

• Service Facilitation: We may share information with third-party title companies as necessary for servicing customer relationships, managing fraud and risk, or processing transaction requests.
• Marketing and Joint Initiatives: With companies that perform marketing services on our behalf or with financial institutions with which we have joint marketing agreements. All such parties are bound by confidentiality agreements that strictly limit the use of your NPPI.
• Legal Obligations: We will disclose NPPI as required by law, including to law enforcement or other relevant authorities to prevent or investigate fraudulent activities.

In the event that a disclosure is contemplated that deviates from this policy, you will be notified in advance and given the opportunity to opt out.

Importantly, MICADOC does not sell or rent your personal or shareholder information to list brokers, marketing firms, or any other third parties.

3. Protection of Your Information

We implement rigorous internal policies and procedures to ensure the security of your NPPI, including:

• Restricted Access: Limiting access to NPPI only to authorized employees whose roles necessitate such access.
• Robust Security Measures: Utilizing physical, electronic, and procedural safeguards that comply with federal regulations to protect your information.
• Employee Training: Providing comprehensive training on privacy protocols and enforcing strict disciplinary measures for any breaches of our policies.
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4. Resources

Our privacy practices are designed in accordance with the standards set forth by the following organizations and regulations:

• Consumer Financial Protection Bureau (CFPB)
• Federal Trade Commission (FTC)
• Federal Deposit Insurance Corporation (FDIC)
• Gramm-Leach-Bliley Act (GLBA)
• Fair Credit Reporting Act (FCRA)
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5. Your Rights and Contact Information

Depending on applicable laws, you may have the right to access, correct, or request deletion of your personal data. To exercise these rights or if you have any questions regarding this Privacy Policy, please contact us at:

• Email: services@micadoc.com
• Phone: 844-642-2362

By using our services, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy. MICADOC, Inc. remains committed to protecting your privacy while delivering the highest standards of service and compliance.