These Terms govern your order and use of Pre-Policy Intelligence and any related title insurance services offered by Intelligent Title, a brand of American Commercial Title LLC ("Intelligent Title," "we," "us," "our"). By placing an order, you agree to these Terms.
1. What Pre-Policy Intelligence Is
Pre-Policy Intelligence is a title search and examination on the real property you identify at order: ownership and vesting review, lien and mortgage identification, encumbrance and easement disclosure, judgment and tax review, and legal description verification. It is not a title insurance commitment and it is not a title insurance policy.
2. The $149 Charge
The $149 is consideration for the title search and examination described in Section 1. It is a charge for professional work Intelligent Title performs and delivers. It is not a premium, deposit, retainer, escrow, or refundable fee.
3. Credit at Closing
If the transaction closes with a title insurance policy issued by Intelligent Title, the $149 is credited in full against the title insurance premium at closing.
4. Non-Refundability
The $149 is non-refundable. It pays for the title search and examination work Intelligent Title performs on receipt of your order and delivers to you. If the transaction does not close, or closes with a title insurance policy issued by a different title provider, the $149 is not refunded — it paid for the search and examination that was performed and delivered.
5. Work Commencement
Work begins on receipt of your order. Intelligent Title targets an initial response within 24 hours of order receipt. Full search timelines vary by jurisdiction.
6. Deliverable Hierarchy
Intelligent Title produces three distinct deliverables in a transaction: (a) Pre-Policy Intelligence — the preliminary title picture at order; (b) the title commitment — the underwriter's formal commitment to issue a policy; and (c) the title insurance policy — the insurance contract issued at closing by Stewart Title Guaranty Company or WFG National Title Insurance Company. Each carries different legal weight. Findings in Pre-Policy Intelligence inform, but do not constitute, the commitment or the policy.
7. Scope Limitations
Pre-Policy Intelligence is record-based and reflects the reasonably discoverable public record at the time the file is opened. Matters not of record are not covered. Pre-Policy Intelligence is not legal advice.
8. Provider Choice
Your choice of title insurance provider is yours. Pre-Policy Intelligence does not override any lender provider-selection rules that may govern the title insurance policy closing your loan.
9. Compensation Structure
Intelligent Title pays no referral fee, commission, marketing payment, revenue share, or other thing of value to any attorney, lender, mortgage broker, CDC, or other party for referring you to Pre-Policy Intelligence.
10. Underwriters
Title insurance policies issued by Intelligent Title are underwritten by Stewart Title Guaranty Company and WFG National Title Insurance Company. Intelligent Title acts as an authorized title insurance agent of these underwriters and is not itself the insurer of record on any policy it issues.
11. Payment Processing
Payment is processed by Stripe, Inc. Payment card and other payment instrument data is handled by Stripe under Stripe's terms and privacy policy.
12. Intellectual Property
All content on the Site — including text, graphics, logos, the Intelligent Title name and mark, and the Pre-Policy Intelligence name and mark — is the property of American Commercial Title LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written permission. Third-party marks — including Stewart Title Guaranty Company, WFG National Title Insurance Company, and Stripe — are the property of their respective owners.
13. Limitation of Liability
To the maximum extent permitted by law, Intelligent Title's liability arising out of Pre-Policy Intelligence is limited to the $149 paid for the order. Title insurance policies issued at closing are governed by the policy form and are the exclusive remedy for matters covered by the policy.
14. Governing Law
These Terms are governed by the laws of the state in which the subject property is located, or, where no property has yet been identified, by the laws of the state in which the transaction giving rise to the dispute occurred.
15. Changes
We may update these Terms. The Effective Date reflects the current version. Orders placed prior to a change are governed by the Terms in effect at the time of order.
16. Contact
American Commercial Title LLC
5011 Gate Parkway, Building 100, Suite 100
Jacksonville, FL 32256
orders@intelligentitle.com