Terms of Service

Last updated: July 2026 · Applies to the Title Quote mobile app and quote.cloudtitle.com

Please read this first. Every figure the app produces is an estimate. It is not a quote you can rely on as final, not a commitment to issue title insurance, and not a settlement statement. Actual amounts are determined at closing.

1. Agreement to These Terms

These Terms of Service ("Terms") govern your use of the Title Quote mobile application and its web version at quote.cloudtitle.com (together, the "App"), operated by Cloud Title LLC ("Cloud Title," "we," "us"). By creating an account or using the App, you agree to these Terms. If you do not agree, do not use the App.

2. What the App Does

The App generates estimated Florida title insurance premiums, estimated closing costs, and estimated seller net proceeds ("net sheets"). It lets you save, edit, export, and email those estimates, request title services from Cloud Title, and contact our support team.

3. Estimates Only — No Guarantee

All figures are provided for informational purposes only. They are not a commitment to issue title insurance, not a guarantee of any fee, payoff, proration, or net proceeds amount, and not a closing or settlement statement. Actual amounts may vary based on final transaction terms, lender requirements, payoff statements, prorations calculated at closing, municipal charges, and other factors.

Title insurance premium estimates reflect Florida promulgated rates (Fla. Admin. Code Ann. R. 69O-186.003) and documentary stamp calculations reflect Florida Statute § 201.02, each as in effect when the estimate is generated. Rates and statutes may change. Nothing in the App constitutes legal, tax, financial, or investment advice. You are responsible for verifying figures before relying on them in a transaction.

4. Eligibility and Your Account

The App is intended for licensed real estate professionals and their clients. You must be at least 18 years old to create an account. You agree to provide accurate registration information, keep your password confidential, and remain responsible for activity under your account. Tell us promptly if you suspect unauthorized use.

5. Acceptable Use

You agree not to:

Use the App for any unlawful purpose or in violation of real estate or insurance regulations;
Present App output as a final, guaranteed, or binding quote, or alter it to misstate its source;
Attempt to access other users' accounts or any system or data you are not authorized to access;
Interfere with, disrupt, overload, reverse engineer, or scrape the App;
Resell or commercially redistribute the App or its output other than in connection with genuine real estate transactions.

6. Your Content

You keep ownership of the transaction information you enter and the estimates you generate. You grant Cloud Title a limited license to store and process that information to operate the App and, where you request it, to provide title and escrow services. Our handling of personal information is described in the Privacy Policy.

7. Communications

By creating an account, you agree to receive transactional messages related to the App — password resets, documents you ask us to send, order confirmations, and replies to your support inquiries. These are necessary to provide the service and are not marketing.

8. Deleting Your Account

You may delete your account at any time from Profile → Delete Account in the App. This permanently removes your profile and saved records and cannot be undone. We may suspend or terminate accounts that violate these Terms or that we reasonably believe are being used unlawfully.

9. Intellectual Property

The App — including its software, calculations, design, layout, and the Cloud Title name and logos — is owned by Cloud Title LLC or its licensors and protected by intellectual property laws. These Terms grant you a personal, non-exclusive, revocable license to use the App; they transfer no ownership and grant no right to use our branding except as it appears within the App and its generated documents.

10. Third-Party Services

The App relies on third-party providers (for example, for hosting, authentication, and email delivery) and may link to third-party sites. We are not responsible for the content, availability, or practices of third parties.

11. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT ANY ESTIMATE WILL MATCH FINAL CLOSING FIGURES.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLOUD TITLE LLC WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST DATA, OR LOST BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR USE OF THE APP OR RELIANCE ON ANY ESTIMATE. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF THE APP WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN EXCLUSIONS OR LIMITATIONS, SO PARTS OF THE ABOVE MAY NOT APPLY TO YOU.

13. Indemnification

You agree to indemnify and hold harmless Cloud Title LLC and its officers, employees, and agents from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your misuse of the App, your violation of these Terms, or your presentation of an estimate as a final or guaranteed figure.

14. Changes

We may modify or discontinue the App, and we may update these Terms. If changes are material, we will update the "Last updated" date above and may provide notice within the App. Continued use after changes take effect constitutes acceptance.

15. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute will be brought exclusively in the state or federal courts located in Florida, and you consent to their jurisdiction and venue.

16. Contact

Cloud Title LLC
16703 Early Riser Ave., Land O' Lakes, FL 34638
Phone: (888) 512-7135
Email: info@cloudtitle.com