Privacy Policy

Effective Date: Jan 1, 2026

Ray One LLC is a Virginia limited liability company providing title insurance, settlement, escrow, and real estate transaction services to its clients in DC, MD and VA. We are committed to protecting the privacy and security of your personal information.

This Privacy Policy explains how we collect, use, store, and disclose information when you use our website, communicate with us, or engage our services.

1. Information We Collect

We may collect the following categories of information:

A. Personal Information

Including but not limited to:

• Name
• Mailing address
• Email address
• Telephone number
• Date of birth
• Government-issued identification (where required for settlement or escrow services)
• Social Security Number or Tax Identification Number
• Bank, escrow, and wire transfer details
• Transaction-related documents

B. Transactional & Financial Information

Collected when you:

• Request title, escrow, or settlement services
• Send or receive wire instructions
• Participate in a real estate transaction

C. Website & Technical Data

When you visit our website, we may collect:

• IP address
• Browser type
• Device type
• Pages visited
• Date/time of access
• Cookies and tracking technologies

2. How We Use Your Information

We use your information to:

• Provide title, escrow, settlement, and real estate closing services
• Verify identity and prevent fraud
• Process transactions and disburse funds
• Communicate with you regarding your transaction
• Maintain legal and regulatory compliance
• Improve our website and services
• Detect and prevent security incidents
• Maintain business and accounting records

We do not sell or rent your personal information.

3. Legal Basis for Processing

We process your information based on:

• Contractual necessity (to perform real estate and settlement services)
• Legal compliance (state and federal laws including banking and anti-fraud regulations)
• Legitimate business interests
• Your consent (where required)

4. How We Share Information

We may share your information only with:

• Lenders, realtors, attorneys, title insurers, and parties involved in your transaction
• Banks, wire services, and escrow partners
• Government or regulatory agencies when legally required
• Auditors, legal counsel, or compliance professionals
• Technology vendors who help us operate our systems (under confidentiality agreements)

We never sell personal information for marketing.

5. Data Security

We implement administrative, technical, and physical safeguards to protect your data, including:

• Secure file storage
• Encryption of sensitive records
• Access controls
• Secure escrow and wire procedures

No electronic transmission is 100% secure, but we take every reasonable step to protect your information.

6. Data Retention

We retain information:

• As long as required to complete your transaction
• As required by Virginia law, IRS, and financial regulations
• For internal compliance and audit purposes

7. Cookies and Tracking

We use cookies and similar technologies to:

• Improve website performance
• Analyze traffic
• Remember user preferences

You may disable cookies in your browser.

8. Your Privacy Rights

Virginia Residents (CDPA)

You have the right to:

• Know what data we collect
• Access your data
• Correct inaccuracies
• Request deletion
• Opt out of targeted advertising (we do not conduct it)

California Residents (CCPA/CPRA)

If applicable, you have the right to:

• Request disclosure of data collected
• Request deletion
• Request correction
• Opt out of data sharing (we do not sell data)

To exercise any rights, email:
processing@rayonetitle.com

9. Children’s Privacy

We do not knowingly collect data from children under 13.

10. Third-Party Links

Our website may link to external sites. We are not responsible for their privacy practices.

11. Changes to This Policy

We may update this policy. Updates will be posted on our website with a new effective date.

12. Contact Information

For any privacy inquiries or data requests, contact:

Ray One LLC
Stafford, Virginia
processing@rayonetitle.com
📞 703-565-3174

13. Recipients opt-in via a form on our website located at https://rayonetitle.com/contact/, which says I consent to receive conversations (external) text messages from Ray one LLC. Reply STOP to opt-out; Reply HELP for support; Message and data rates apply; Messaging frequency may vary. Visit https://rayonetitle.com/privacy-policy/ for privacy policy and https://rayonetitle.com/contact/ for Terms of Service.

We do not sell or rent your personal information such as your phone number, name, email address. Your phone number and SMS consent will never be shared or sold to any third party or affiliate for marketing purposes. By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Ray One LLC. This includes SMS messages for conversations (external). Message frequency varies. Message and data rates may apply. See privacy policy at https://rayonetitle.com/privacy-policy/. Message HELP for help. Reply STOP to any message to opt out.