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PURVIS & COMPANY TITLE

WEBSITE TERMS OF USE

Effective Date: 07/01/2025
Last Updated: 07/01/2025

1. ACCEPTANCE AND SCOPE OF TERMS

1.1 Binding Agreement

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Purvis & Company Title ("Company," "we," "us," or "our") governing your use of our website located at [website URL] and all related services, features, and content (collectively, the "Website"). By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

1.2 Capacity to Enter Agreement

By using this Website, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into this binding agreement. If you are using this Website on behalf of a business entity, you represent and warrant that you have the authority to bind such entity to these Terms.

1.3 Modifications and Updates

We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. Material changes will be posted on this Website with an updated "Last Updated" date. Your continued use of the Website after any such changes constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

1.4 Distinction from Service Agreements

These Terms govern your use of our Website only. Separate written agreements may be required for specific title services, escrow services, or 1031 exchange transactions. In the event of any conflict between these Website Terms of Use and a separate written service agreement, the separate service agreement shall control with respect to the specific services covered by that agreement.


2. COMPANY OVERVIEW AND SERVICE DESCRIPTIONS

2.1 About Purvis & Company Title

Purvis & Company Title is a Florida-based title company providing comprehensive real estate settlement services. We are licensed to provide title services in the State of Florida and offer 1031 exchange services nationally.

2.2 Florida Title Services

Within the State of Florida, we provide the following services:

  • Title searches and examinations
  • Title insurance policies (owner's and lender's policies)
  • Escrow and closing services
  • Real estate closing coordination
  • Document preparation and recording
  • Settlement statement preparation
  • Wire transfer services
  • Notary services

2.3 National 1031 Exchange Services

We provide 1031 Exchange Management services for Section 1031 like-kind exchanges throughout the United States utilizing Purvis & Company 1031, LLC as the Qualified Intermediary, including:

  • Forward and reverse exchange structures
  • Build-to-suit exchanges
  • Improvement exchanges
  • Exchange documentation and coordination
  • Qualified intermediary services as defined by Treasury Regulations

2.4 Geographic Limitations

Title insurance and related settlement services are provided exclusively within the State of Florida where we maintain proper licensing. 1031 exchange services are available nationally. We do not provide title services outside of Florida unless specifically licensed in such jurisdictions.

2.5 Professional Service Boundaries

IMPORTANT DISCLAIMER: Purvis & Company Title is not a law firm and does not provide legal advice. We are not licensed to practice law. All legal questions, concerns, and matters requiring legal interpretation should be directed to qualified legal counsel of your choosing. Nothing on this Website or in our services should be construed as legal advice.


3. USER RESPONSIBILITIES AND PROHIBITED USES

3.1 Account Security

If you create an account on our Website, you are responsible for:

  • Maintaining the confidentiality of your login credentials
  • All activities that occur under your account
  • Immediately notifying us of any unauthorized use of your account
  • Using strong passwords and updating them regularly
  • Logging out of your account when not in use

3.2 Accurate Information Requirements

You agree to provide accurate, current, and complete information when:

  • Creating user accounts
  • Submitting applications or forms
  • Uploading documents
  • Making payments
  • Communicating with our staff

You must promptly update any information that becomes inaccurate or incomplete.

3.3 Prohibited Activities

You agree not to:

  • Use the Website for any unlawful purpose or in violation of any applicable laws or regulations
  • Submit false, misleading, or fraudulent information
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity
  • Attempt to gain unauthorized access to any portion of the Website or any systems or networks connected to the Website
  • Use any automated means to access the Website or collect information from the Website
  • Interfere with or disrupt the Website's operation or servers
  • Upload or transmit viruses, malware, or other harmful code
  • Violate any applicable federal or state regulations, including RESPA requirements
  • Use the Website to conduct money laundering or other illegal financial activities
  • Attempt to reverse engineer, decompile, or disassemble any software or technology used on the Website

3.4 Compliance with Laws

You agree to comply with all applicable federal, state, and local laws and regulations in your use of the Website and our services, including but not limited to:

  • Real Estate Settlement Procedures Act (RESPA)
  • Truth in Lending Act (TILA)
  • Fair Credit Reporting Act (FCRA)
  • Anti-money laundering laws
  • Privacy laws and regulations
  • Securities laws (for 1031 exchange transactions)

4. PRIVACY AND DATA PROTECTION

4.1 Information Collection

We collect personal and business information necessary to provide our services, including:

  • Contact information (name, address, phone, email)
  • Financial information for transactions
  • Property information
  • Documentation uploaded by users
  • Website usage data and analytics

4.2 Use of Information

Information collected is used to:

  • Provide requested services
  • Process transactions
  • Communicate with clients
  • Comply with legal and regulatory requirements
  • Improve our services and Website functionality
  • Prevent fraud and ensure security

4.3 Data Security

We implement appropriate technical and organizational measures to protect personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

4.4 Third-Party Data Sharing

We may share information with:

  • Service providers and vendors who assist in our operations
  • Legal counsel and professional advisors
  • Regulatory authorities as required by law
  • Third parties with your explicit consent
  • Parties involved in your real estate transaction as necessary to complete the transaction

4.5 Cookies and Tracking Technologies

Our Website uses cookies, web beacons, and similar technologies to:

  • Enhance user experience
  • Analyze Website traffic and usage patterns
  • Provide personalized content
  • Maintain user sessions
  • Ensure Website security

You may disable cookies through your browser settings, but this may limit Website functionality.

4.6 Data Retention

We retain personal information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce our agreements. Specific retention periods may vary based on the type of information and applicable legal requirements.


5. INTELLECTUAL PROPERTY RIGHTS

5.1 Website Content Ownership

All content on this Website, including but not limited to text, graphics, logos, images, software, and other materials, is the property of Purvis & Company Title or its licensors and is protected by copyright, trademark, and other intellectual property laws.

5.2 Limited License to Users

We grant you a limited, non-exclusive, non-transferable license to access and use the Website for its intended purpose. This license does not permit you to:

  • Reproduce, distribute, or publicly display Website content
  • Create derivative works based on Website content
  • Use content for commercial purposes without express written permission
  • Remove or alter copyright, trademark, or other proprietary notices

5.3 User-Submitted Content

By submitting content to the Website (including documents, information, or communications), you grant us a non-exclusive, royalty-free license to use, reproduce, and process such content solely for the purpose of providing our services. You retain ownership of your submitted content.

5.4 Trademark Rights

"Purvis & Company Title" and related marks are trademarks of our company. You may not use our trademarks without prior written permission.

5.5 Digital Millennium Copyright Act (DMCA)

We respect intellectual property rights and will respond to valid DMCA notices. If you believe content on our Website infringes your copyright, please provide written notice including:

  • Identification of the copyrighted work
  • Identification of the allegedly infringing material
  • Your contact information
  • A statement of good faith belief that use is not authorized
  • A statement of accuracy under penalty of perjury
  • Your physical or electronic signature

6. FINANCIAL TERMS AND PAYMENT PROCESSING

6.1 Online Payment Processing

Our Website may offer online payment processing for:

  • Service fees
  • Title insurance premiums
  • Escrow deposits
  • 1031 exchange fees
  • Other transaction-related costs

6.2 Payment Authorization

By providing payment information, you:

  • Authorize us to charge the specified amounts
  • Represent that you have authority to use the payment method
  • Agree that payments are non-refundable except as specifically provided
  • Acknowledge that additional fees may apply for certain payment methods

6.3 Fee Structures

Fees for our services are:

  • Disclosed prior to service provision
  • Based on current fee schedules
  • Subject to change with advance notice
  • May vary based on transaction complexity and requirements

6.4 Electronic Transaction Authorization

You consent to receive and sign documents electronically and acknowledge that electronic signatures have the same legal effect as handwritten signatures.

6.5 Refund and Cancellation Policies

Refunds are provided only in accordance with our written service agreements or as required by law. Cancellation policies vary by service type and are disclosed in relevant service agreements.

6.6 Currency and Processing

All payments are processed in U.S. dollars. We use third-party payment processors and are not responsible for their processing delays or failures.


7. DISCLAIMERS AND LIMITATION OF LIABILITY

7.1 Legal Advice Disclaimer

PURVIS & COMPANY TITLE IS NOT A LAW FIRM AND DOES NOT PROVIDE LEGAL ADVICE. WE ARE NOT LICENSED TO PRACTICE LAW. ALL LEGAL QUESTIONS, CONCERNS, AND MATTERS REQUIRING LEGAL INTERPRETATION SHOULD BE DIRECTED TO QUALIFIED LEGAL COUNSEL OF YOUR CHOOSING. NOTHING ON THIS WEBSITE OR IN OUR SERVICES SHOULD BE CONSTRUED AS LEGAL ADVICE.

7.2 Service Availability

We do not guarantee that:

  • The Website will be available at all times
  • All features will function without interruption
  • The Website will be free from errors or defects
  • Information will be completely accurate or up-to-date

7.3 Website Functionality Limitations

The Website is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

7.4 Third-Party Services

We may integrate with third-party services and are not responsible for their availability, functionality, or content. Your use of third-party services is subject to their respective terms and conditions.

7.5 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, or government actions.

7.6 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE WEBSITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7.7 Professional Liability

Our professional liability is limited to the terms and conditions set forth in separate written service agreements for specific transactions.


8. RESPA COMPLIANCE AND CONSUMER PROTECTIONS

8.1 RESPA Disclosures

In accordance with the Real Estate Settlement Procedures Act (RESPA), we provide required disclosures regarding:

  • Settlement costs and procedures
  • Business relationships that may affect settlement costs
  • Your rights as a consumer in real estate transactions
  • Prohibition against kickbacks and referral fees

8.2 Good Faith Estimate

For applicable transactions, we will provide a Good Faith Estimate of settlement costs as required by RESPA regulations.

8.3 Affiliated Business Arrangements

If we have affiliated business arrangements that may be used in your transaction, we will provide appropriate RESPA disclosures as required by law.

8.4 Consumer Rights

You have the right to:

  • Shop for settlement services
  • Receive required disclosures
  • Question settlement costs
  • File complaints regarding RESPA violations

8.5 Complaint Procedures

If you have complaints regarding our services or potential RESPA violations, you may:

  • Contact us directly at [contact information]
  • File a complaint with the Consumer Financial Protection Bureau
  • Contact your state regulatory authorities
  • Seek legal counsel

8.6 Anti-Kickback Provisions

We comply with RESPA's prohibition against kickbacks, referral fees, and unearned fees. We do not pay or receive compensation for referrals of settlement service business.


9. DISPUTE RESOLUTION AND GOVERNING LAW

9.1 Governing Law

These Terms and any disputes arising from or related to the Website shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

9.2 Jurisdiction and Venue

You agree that any legal action or proceeding arising from or related to these Terms or the Website shall be brought exclusively in the state or federal courts located in [County], Florida, and you consent to the jurisdiction of such courts.

9.3 Dispute Resolution Procedures

Before initiating formal legal proceedings, we encourage users to:

  1. Contact us directly to discuss the dispute
  2. Attempt good faith resolution through direct communication
  3. Consider mediation if direct resolution is unsuccessful

9.4 Limitation of Actions

Any claim or cause of action arising from or related to the Website must be filed within one (1) year after the claim or cause of action arose, or it shall be forever barred.

9.5 Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect.

9.6 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of such provision or our right to enforce it in the future.


10. TECHNICAL AND OPERATIONAL TERMS

10.1 System Requirements

To use the Website effectively, you need:

  • A compatible web browser with current security features
  • Internet connection
  • Enabled JavaScript and cookies
  • Updated browser plugins for document viewing

10.2 Website Availability and Maintenance

We strive to maintain Website availability but reserve the right to:

  • Perform scheduled maintenance
  • Make emergency repairs
  • Temporarily suspend access for security reasons
  • Update or modify Website features

10.3 User Account Management

We reserve the right to:

  • Suspend or terminate user accounts for violations of these Terms
  • Require identity verification for certain features
  • Limit access to certain Website areas
  • Delete inactive accounts after extended periods of non-use

10.4 Data Backup and Recovery

While we maintain backup systems, we cannot guarantee complete data recovery in all circumstances. Users are encouraged to maintain their own copies of important documents and information.

10.5 Website Updates

We may update the Website's functionality, appearance, or features at any time without prior notice. Such updates may require acceptance of revised Terms.

10.6 Mobile Access

If you access the Website via mobile device, standard data and messaging rates may apply as determined by your wireless carrier.


11. MISCELLANEOUS PROVISIONS

11.1 Entire Agreement

These Terms, together with our Privacy Policy and any applicable service agreements, constitute the entire agreement between you and Purvis & Company Title regarding use of the Website.

11.2 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms without restriction.

11.3 Independent Contractors

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Purvis & Company Title.

11.4 Headings

Section headings in these Terms are for convenience only and do not affect interpretation of the provisions.

11.5 Electronic Communications

You consent to receive communications from us electronically, and electronic communications satisfy any legal requirement for written communication.

11.6 Survival

Provisions that by their nature should survive termination of these Terms shall survive, including but not limited to intellectual property rights, disclaimers, limitation of liability, and dispute resolution provisions.


12. CONTACT INFORMATION

For questions about these Terms of Use, please contact us at:

Purvis & Company Title
PO Box 1557
Wildwood, FL 34785
Phone: (352) 760-4899

Email: compliance@purvisco.com
Website: https://www.purvisco.com

Business Hours: M-F 0800-1700 (Hours are subject to change without notice, Federal Holidays are observed.)


ACKNOWLEDGMENT: By using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy.


This document was last updated on 07/01/2025. Please check this page periodically for updates to these Terms of Use.