Legal Policies & Conditions

  • Legal Terms & Conditions

    Cislo Title Company requires all persons or entities visiting any Cislo Internet sites to agree to the following terms and conditions. By accessing a Cislo site, you confirm your agreement to and acceptance of these terms and conditions.

    Corrections and Modifications Cislo is under no obligation to update, correct, or otherwise modify any information contained, residing, or transmitted to this or any Cislo site. While every reasonable effort is made to ensure that the information presented on and contained in these sites is accurate and correct, there may be inadvertent (technical and/or factual) inaccuracies and typographical errors. Information contained in Cislo sites may also become out-of-date. While Cislo disclaims all responsibility to update or correct any information placed on its sites, Cislo reserves the right to make changes and updates to any information contained within a Cislo site, including these Terms and Conditions, at Cislo's discretion and without prior notice.

    Consent to Monitoring and Disclosure Cislo is under no obligation to monitor the information residing on or transmitted to any Cislo site. However, anyone accessing a Cislo site agrees that Cislo may monitor the site to (1) comply with any necessary laws, regulations, or governmental requests; (2) operate the site in a manner Cislo deems proper or to protect against conduct Cislo deems inappropriate. Cislo shall have the right, but not the obligation, to reject or eliminate any information residing on or transmitted to its sites that it believes is unacceptable or inconsistent with these terms and conditions. To the extent Cislo receives information or materials through its sites, including but not limited to feedback, data, answers, questions, comments, suggestions, plans, or ideas, such information or material shall be deemed to be non-confidential. Cislo assumes no obligation to protect such information from disclosure. The submission of information or materials to Cislo through a Cislo site shall in no way prevent the purchase, manufacture, or use of similar products, services, plans, and ideas by Cislo for any purpose what so ever. In addition, Cislo shall have the right, in any form now or hereafter known, to reproduce, use, disclose, distribute, transmit, create derivative works from, and publicly display and perform, any information or materials submitted by visitors/users through any Cislo site.

    Endorsements and Linked Sites Periodically Cislo makes reference in its sites to the products, services, processes, hypertext links, or other information of third parties (hereinafter “Third Party Products”). Unless specifically stated otherwise, such references shall not constitute or imply Cislo's endorsement, sponsorship, or recommendation of such Third Party Products. Third Party Products are the sole and exclusive responsibility of the third party owner. Cislo is not responsible for the Third Party Products or the content on any third party internet site linked to any Cislo site. Also see Cislo's Linking Policy.

    Security Any user of a Cislo server or site agrees to comply with any security processes and procedures (such as passwords) specified by Cislo with respect to access to or use of a Cislo site. Unless specifically authorized by Cislo in writing, users of a Cislo server or site further agree not to access or attempt to access any areas of or through the site that are not intended for general public access.

    Financial Information/Forward Looking Statements A Cislo site may contain forward-looking statements. These statements are based on current expectations as of the date of the statement. Actual results may differ materially from those projected because of a number of risks and uncertainties. In light of these risks, uncertainties, and assumptions, the forward-looking events discussed might not occur or may not occur in the expected manner.

    Press Releases/Company News Any press releases, company news, or other materials contained on a Cislo site reflect circumstances and conditions that existed as of the respective dates on which they were initially released, presented, or otherwise made.

    Warranty Disclaimer and Limitation of Liability The user of a Cislo system and site assumes all responsibility and risk for the use of the server, site, and the internet generally. Cislo, its affiliates, officers, directors, agents, assigns, and shareholders disclaim all warranties, representations, or endorsements, expressed or implied, with regard to the information accessed from, or via, a Cislo server, site, or the internet, including but not limited to, all implied warranties of merchantability, fitness for a particular purpose, system integration, data accuracy, or noninfringement. Cislo does not assume any legal liability or responsibility for the accuracy, completeness, usefulness, or timeliness of any information, apparatus, product, or process disclosed on a Cislo server, site, or other material accessible from a Cislo server, site, or internet. In no event shall Cislo or its affiliates be liable for any special, indirect, or consequential damages, or any damages whatsoever resulting from access to or use of a Cislo site, or the internet generally, under contract, tort, or any other cause of action or legal theory, or from loss of use, data, or profits, whether in an action of contract, negligence, or other tortious action, arising out of or in connection with the use or performance of the information on a Cislo server, site, or the internet generally even if Cislo has been previously advised of the possibility of such damages. No action, regardless of form, arising out of the use of a Cislo server, site, or the internet generally may be brought by a user/visitor more than one (1) year after the user/visitor knew or should have known of the occurrence of the event(s) which gave rise to the cause of action.

    The information provided on a Cislo server and/or site is provided on an "as is" and "as available" basis without warranties of any kind, either expressed or implied, including, but not limited to, warranties of title, noninfringement, or implied warranties of merchantability, fitness for a particular purpose, system integration, or data accuracy. No advice or information given by Cislo, its affiliates, or their respective officers, employees, or agents shall create any warranty. Neither Cislo nor its affiliates warrant that the information or materials on a Cislo server, site, or on the internet generally will be uninterrupted or error free or that any information, software, or other materials accessible from this server, website, or the internet generally is free of viruses or other harmful components.

    No Advice The information and materials contained on a Cislo site are intended for informational purposes and are not intended to offer advice, legal, financial, or otherwise, about specific situations or problems. Cislo encourages all visitors and users to obtain competent and professional assistance in all matters requiring such advice or guidance.

    Failure to Comply Cislo reserves the right to terminate or restrict the access of any user or visitor to this or any Cislo sites without notice should Cislo determine that a user has violated (or is threatening to violate) any of these Terms and Conditions. Cislo also reserves any and all remedies at law or equity in connection with violation of these Terms and Conditions.

    Governing Law Any disputes resulting from a visitor’s use of this or any Cislo server or site shall be construed and enforced under the laws of the State of Michigan. Visitors hereby submit to the jurisdiction of the courts of Genesee County, Michigan, and waive any objection to venue with respect to actions brought in such courts. In any dispute, the prevailing party shall be entitled to recover its reasonable attorney’s fees and cost from the non-prevailing party. If any provision of these Terms and Conditions is held invalid, illegal, or unenforceable, the validity, legality, or enforceability of the remaining provisions shall in no way be affected or impaired thereby.

  • Copyright & Trademarks

    The contents of this web site, including text, graphics, images, and other site material (collectively the "Downloadable Materials"), are protected by copyright owned or controlled by Cislo Title Company or its licensors, under both United States and foreign laws. To the extent Cislo has the right to do so without compensation to third parties, and except for materials or information specifically provided under other terms, Cislo hereby grants a personal, non-exclusive, non-assignable, and non-transferable license to use and display the Downloadable Materials, for home, noncommercial, and personal use only, subject to the following conditions: Any copies of Downloadable Materials, or portions thereof, must include the above copyright notice. There shall be no sublicense, assignment, or other transfer of this license or the Downloadable Materials and no title to the Downloadable Materials has been or will be transferred from Cislo or anyone else.

    Alterations, disassembly, decompilation, reverse engineering, or other modifications of the Downloadable Materials are strictly prohibited. The sale or modification of the Downloadable Materials or the reproduction, display, public performance, distribution, or other use of the Downloadable Materials in any way for any public or commercial purpose is strictly prohibited.

    The use of any portion of the Downloadable Materials on any other web site or in a networked computer environment for any purpose is prohibited. The violation of any of these terms will result in the automatic termination of any license to use the site materials granted herein and will require the immediate destruction of any and all copies of the site materials made pursuant to the license granted herein.

    Each document published by Cislo on this site may contain other proprietary notices or describe products, services, processes, or technologies owned by or licensed to Cislo. Nothing contained herein shall be construed as granting to the user a license under any copyright, trademark, patent, or other intellectual property right of Cislo or any of its licensors.

    Cislo and its licensors reserve and retain all copyright and all other proprietary rights in and to the materials contained on this web site, including without limitation, all rights in any public information as a compilation. All materials contained on this web site are protected by U.S. copyright laws, international treaties, and/or other laws and any unauthorized use of any materials contained on this web site is a violation of such laws.

    Trademarks The names, marks, and logos appearing in this web site are, unless otherwise noted, trademarks owned by or licensed to Cislo Title Company. The use of these marks, except as expressly provided herein, is strictly prohibited. Periodically Cislo makes fair use in this web site of trademarks/servicemarks owned and/or used by third parties. Any such marks are clearly noted, and Cislo makes no claim to ownership of those marks.

    Cislo and its licensors reserve and retain all trademark/servicemark and all other proprietary rights in and to the marks contained on this web site. All marks contained on this web site are protected by U.S. trademark/servicemark laws, international treaties, and/or other laws and any unauthorized use of any marks contained on this web site is a violation of such laws.

    The "Cislo Title Company" name and logo and other trademarks/servicemarks owned by Cislo or its affiliates may not be used without the express prior written consent of Cislo Title Company.

    Infringement Allegations In compliance with the Digital Millennium Copyright Act, please direct any claims of third party copyright infringement residing on Cislo's system or network to.

  • Downloading Policy

    Through some of its site, Cislo offers visitors and users the opportunity to download software proprietary to either Cislo or third parties. The downloading and use of such software is subject to this Downloading Policy, Cislo's Terms and Conditions, and any Terms and Conditions specific to the Cislo site you are visiting. The rights granted to you to download such software constitute a limited, nonexclusive, non-transferable license to use the software, not a transfer of title. Cislo (or the third party) remains the owner of all rights, title, and interest in the software and in any copies of it. You may not (1) copy, sell, resell, distribute, rent, lease, sublicense, otherwise transfer for value, or lend all or any portion of the software or any accompanying written materials or documentation; (2) modify or prepare derivative works of the software; (3) reverse engineer, decompile, disassemble, or otherwise derive source code from the software; (4) separate the components of the software; (5) remove any proprietary notices from the software and/or any accompanying materials or documentation; or (6) use the software in an on-line system or otherwise use the software to provide services to third parties. At its complete and sole discretion, Cislo may provide you with support services related to the most recent version of any Cislo software downloadable from a Cislo site, but such support should not be assumed. Where support is provided, the specific Cislo site will so indicate. Use of such support services, if any, shall be governed by Cislo's maintenance agreement, online documentation, and/or in other materials provided to you by Cislo regarding maintenance. Any supplemental code provided to you as part of the support services shall be considered part of the software and subject to these terms and conditions. With respect to technical information you provide to Cislo as part of the support services, Cislo may use such information for its business purposes, including for product support and development. Without prejudice to any other rights, Cislo may terminate the license granted to you herein if you fail to comply with the terms and conditions of this Agreement. In such event you must discontinue use of any software you have downloaded from a Cislo site. Cislo reserves the right to terminate or restrict your access to the software, at Cislo's complete and sole discretion, without notice should Cislo determine that you have violated (or are threatening to violate) any of these terms and conditions. Cislo also reserves any and all remedies at law or equity in connection with violation of this Downloading Policy or any applicable Terms and Conditions or Terms of Use. Your license to use the software will also terminate upon conditions communicated to you elsewhere by Cislo or if you fail to comply with this Downloading Policy or any applicable Terms or Conditions or Terms of Use. You agree upon termination to destroy all versions and copies of the software downloaded from a Cislo site in your possession, include all prior versions, component parts, media, written materials, accompanying documentation, etc. When possible, Cislo registers its downloadable software through reputable national vendors who authenticate downloadable software to ensure the safety of its content and that such content is not subject to alterations or corruption. Where such registration has occurred, Cislo will so indicate on the specific site offering downloadable software. THE DOWNLOADING OR OTHER ACQUISITION OF ANY MATERIALS THROUGH A CISLO SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND WITH THE UNDERSTANDING THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE, INCLUDING, BUT NOT LIMITED TO, ANY COMPUTER SYSTEM OR LOSS OF DATA, THAT RESULTS FROM SUCH ACTIVITIES. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CISLO OR THROUGH OR FROM A CISLO SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS OF USE. YOUR DOWNLOADING OF SOFTWARE FROM A CISLO SITE IS ALSO SUBJECT TO CISLO'S TERMS AND CONDITIONS, WHICH CONTAIN LIMITATIONS ON WARRANTIES AND LIABILITY. Downloading Software Not Owned by Cislo As a convenience for visitors and users of some Cislo sites, Cislo may offer the opportunity to link to a site owned by someone other than Cislo (hereinafter referred to as a "Third Party"). These Third Party sites may offer you the opportunity to download software owned by that or some other third party. Cislo disclaims any and all responsibility for the downloading of Third Party software from Third Party sites by visitors or users of a Cislo site, even if the visitor or user was linked to such Third Party sites from a Cislo site. The appearance on any Cislo site of a link to a Third Party site to download Third Party software does not constitute an endorsement, recommendation, or certification by Cislo of the Third Party site or Third Party software, nor should the presence of such a link in any way be construed as a suggestion that either the Third Party Site or the Third Party software has any relationship with Cislo. Cislo does not endorse these sites nor the downloadable software contained thereon. Cislo expressly disclaims any and all responsibility and liability for any Third Party software you may download from a Third Party site, regardless of whether that Third Party software or Third Party site was referenced on a Cislo site. THE DOWNLOADING OR OTHER ACQUISITION OF ANY MATERIALS THROUGH A CISLO OR THIRD PARTY SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND WITH THE UNDERSTANDING THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE, INCLUDING BUT NOT LIMITED TO, ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM SUCH ACTIVITIES. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CISLO OR THROUGH OR FROM THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS OF USE.
  • Linking Policy

    Links from Cislo Web Sites Any link (including hyperlinks, buttons, or referral devices of any kind) used on this or any other Cislo site is provided for the use and convenience of the visitor. The appearance of a link on this or any other Cislo site does not constitute an endorsement, recommendation, or certification by Cislo of the third party site, nor should the presence of a link in any way be construed as a suggestion that the site has any relationship with Cislo. Cislo does not endorse these sites, is not responsible for their content, and can not assure that the information contained therein will be accurate, reliable, helpful, or useful. Cislo expressly disclaims any and all responsibility and liability for the information presented on a site linked from the Cislo web site including any errors and/or omissions which may appear in those third party sites.

    Links to Cislo Web Sites Cislo generally does not object to links to Cislo's web sites from third party sites. However, there are certain conditions that must be followed. Unless Cislo and a third party enter into a specific written agreement, a third party attempting to link to a Cislo web site:

    May not use any of Cislo's names, logos, designs, slogans, trademarks, or servicemarks in or with their links. Notwithstanding the above, a third party may link to a Cislo site using the plain text name of that site or the plain text name of Cislo. May not use any of Cislo's names, logos, designs, slogans, trademarks, or servicemarks, or any other words or codes identifying Cislo's web sites in any "metatag" or other information used by search engines or other information location tools to identify and select sites, without Cislo's express written permission. May not use any of Cislo's names, logos, designs, slogans, trademarks, or servicemarks in any advertising, publicity, promotion, or in any other commercial manner without the prior express written permission of Cislo. May not present the link to Cislo's web site in such a way to suggest Cislo has any relationship or affiliation with the third party or that Cislo endorses, sponsors, or recommends the information, products, or services contained or described on the site. May not incorporate any content from the Cislo web site into the third party's site, including but not limited to, in-lining or framing.

  • Privacy Policy

    PURPOSE OF THIS NOTICE

    Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of Cislo Title Company.

    We may collect nonpublic personal information about you from the following sources:

    Information we receive from you such as on applications or other forms. Information about your transactions we secure from our files, or from others. Information we receive from a consumer reporting agency. Information that we receive from others involved in your transaction, such as the real estate agent or lender.

    Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional nonpublic personal information will be collected about you.

    We may disclose any of the above information that we collect about our customers or former customers to our affiliates or to non-affiliated third parties as permitted by law.

    We also may disclose this information about our customers or former customers to the following types of non-affiliated companies that perform services on our behalf or with whom we have joint marketing agreements:

    Financial service providers such as companies engaged in banking, consumer finance, securities and insurance.

    Non-financial companies such as envelope stuffers and other fulfillment service providers.

    WE DO NOT DISCLOSE ANY NONPUBLIC PERSONAL INFORMATION ABOUT YOU WITH ANYONE FOR ANY PURPOSE THAT IS NOT SPECIFICALLY PERMITTED BY LAW.

    We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

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