Protecting your money & your information
Security is central to how we work. OnRecord Title relies on trusted, industry-leading partners and follows Utah's regulatory standards for title and escrow. Here's how your funds and personal information are protected.
Digital earnest money — Earnnest
We collect earnest money digitally through Earnnest, eliminating paper checks and emailed wire instructions. Per Earnnest's published materials:
- 256-bit encryption, with two-factor authentication at sign-in
- One-time tokenized access to funds — Earnnest never sees or stores account numbers or login credentials
- Every account, sending and receiving, is verified before a transaction
- Multiple verification points document each user's authorization to move funds
Wire-fraud prevention — CertifID
Wire fraud is the single biggest threat in a real estate transaction. We use CertifID to defend against it:
- Identity verification of the parties before funds move
- Bank-account validation so money reaches the right account
- Wire instructions shared in a secure, encrypted environment — never by email
- Transaction insurance coverage and a dedicated fraud-recovery team
Secure production platform — Qualia
Our title and escrow files are managed in Qualia, a secure closing platform:
- Independently certified to SOC 2 Type II, ISO 27001, and ALTA Best Practices Pillar 3
- Access and permission controls governing who can see your file
- Documents and order details shared through a secure, closed portal
- Strong encryption in transit and at rest, with regular third-party audits
Utah regulatory standards
As a Utah title and escrow provider, OnRecord Title is regulated by the Utah Insurance Department. Requirements that protect your money and information include:
- Licensed title agency and individually licensed escrow & title professionals
- Fidelity bond / crime insurance and professional liability (E&O) coverage
- Client funds held in dedicated, segregated escrow accounts
- A staffed physical office in Utah, overseen by a licensed escrow professional
Vendor safeguards summarized from Earnnest, CertifID, and Qualia's published materials; regulatory items reflect Utah Insurance Department requirements. Details are reviewed periodically — contact us with any questions about how your transaction is protected.