Report disclaimers

These notices appear at the end of every delivered report and are accepted at checkout. They are reproduced here in full.

REPORT NOTICE: This report is NOT a commitment to insure title. U.S. Title Research is a title research, abstracting, and real estate consulting company and does NOT close transactions or issue title insurance policies.

TITLE INSURANCE RECOMMENDATION: While many seasoned investors and attorneys close their own transactions, U.S. Title Research always recommends obtaining a title insurance policy from a third-party title insurance company before closing any real estate transaction and specifically recommends First American Title Insurance Company (www.firstam.com).

NOT FOR CREDIT PURPOSES: The public information in this report has not been collected for credit purposes and is not intended to indicate any consumer's creditworthiness, credit standing or credit capacity. This report shall not be used (i) as a factor in establishing an individual's eligibility for credit or insurance, (ii) in connection with underwriting individual insurance, (iii) in evaluating an individual for employment purposes, (iv) in connection with a determination of an individual's eligibility for a license or other benefit granted by a governmental authority, (v) in any way that would cause the services or information to constitute a "consumer report" under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq., or (vi) in any other manner that would cause such use to be construed as a consumer report by any governmental authority.

NO LEGAL OR TAX ADVICE: This report does not constitute legal advice, tax advice, a legal opinion, a tax opinion, or an attorney's title opinion, and no portion of it should be construed or relied upon as such. U.S. Title Research is not a law firm or accounting firm, does not practice law, and does not render tax services. Any references to statutes, regulations, case law, recording procedures, or legal or tax concepts in this report are general information only, are not tailored to the reader's specific facts, property, transaction, or jurisdiction, and reflect publicly available information that may change without notice. Laws, recording requirements, statutes of limitations, redemption periods, homestead protections, lien priorities, foreclosure procedures, and tax obligations vary substantially between states, counties, and municipalities. No attorney-client, accountant-client, agency, or fiduciary relationship is created by the preparation, delivery, receipt, or use of this report. Readers should not act, or refrain from acting, on any information in this report without first consulting a qualified, licensed real estate attorney, tax attorney, Certified Public Accountant, or other appropriate professional licensed in the relevant jurisdiction.

VALUATION DISCLAIMER: All property valuations and estimates in this report are approximations and are not substitutes for professional appraisals by licensed real estate appraisers. Actual market values may vary significantly.

DEED LIMITATIONS: Quitclaim Deeds, Special-Purpose Deeds (including but not limited to Sheriff, Trustee, Tax, Executor, Administrator, and Guardian deeds), and Bargain & Sale Deeds without covenants do NOT guarantee clear title to the new owner. A Grant Deed carries two limited, legally implied promises from the seller: that they have not previously conveyed the property to someone else, and that the property is free of undisclosed encumbrances created during their ownership. A Grant Deed does not guarantee against title defects arising before the grantor owned the property, does not promise to defend the title against older claims, and does not ensure marketable title beyond the grantor's own actions. The buyer still bears the risk of unknown or historical issues in the chain of title.

AUCTION AND FORECLOSURE NOTICE: If the subject property was or will be purchased or sold conventionally or at auction, verify all report information and ensure that all property and personal liens against the current owner and any pre-foreclosure owners were discharged in bankruptcy, satisfied, extinguished in foreclosure, or otherwise resolved. In some cases, liens that should be included in the opening minimum bid at auction are not, and later form a cloud on title.

UCC FILING NOTICE: UCC filings against individuals generally do not affect real property, particularly when property is held in trust. UCC filings typically secure personal property and business assets rather than real estate interests. Exceptions exist, including when personal assets are pledged through a security agreement or when personal property secures a debt. Verify before closing any transaction.

DATA ACCURACY: Public records and commercially available data sources may contain errors. Data is sometimes entered incorrectly, processed improperly, and is generally not free from defect. This report should not be relied upon as definitively accurate. Secretary of State information is provided for informational purposes only and is not an official record; certified copies may be obtained from that state's Secretary of State.

VERIFICATION REQUIRED: All liens, encumbrances, taxes, and other matters affecting title should be independently verified before relying on this information for any real estate transaction or legal proceeding.

PERMITTED USE: This report shall not be used for any purpose that (i) infringes any third party's copyright, patent, trademark, trade secret, or other proprietary rights or legal rights to privacy, (ii) is defamatory, libelous, unlawfully threatening, or unlawfully harassing, or (iii) violates any state or federal law.

PROPRIETARY USE: This report is prepared exclusively for the recipient and is the proprietary information and work product of U.S. Title Research.

WRITTEN COMMUNICATIONS: All communication regarding orders and reports is conducted in writing by email at office@ustitleresearch.com. U.S. Title Research does not provide information, clarification, or advice by telephone.

LIABILITY LIMITATION: U.S. Title Research shall not be liable for any losses, damages, or claims arising from reliance on any report or service. Services and information are provided for informational purposes only.