This Privacy Statement describes how Island Reverse Mortgage (“Smart Money Inc. Hawaii”) uses the information you provide.
Information Gathered
You may choose to provide information about yourself in order to be contacted by Smart Money Inc. Hawaii or receive a response to your application for a certain loan product. Such information may include the following:
● Your name
● Contact information including a phone number and email address
● Property address
● Other information you choose to provide via a telephone call, letter, email or through this application
Use
Primarily, the information you provide will be used to contact you and qualify you for certain loan product(s). You understand that by submitting your information through this application, you agree to be contacted regardless of registration with any federal, state, or local Do Not Call list, Do Not Mail list, or any other comparable list or registry. By providing information to Smart Money Inc. Hawaii through this application, a telephone call, an email, or letter, you authorize Smart Money Inc. Hawaii to engage in the following uses of your information:
● to improve its products and services
● to periodically market its products and services, telemarket its products and services, and send promotional emails and advertisements
● to contact you
● to provide your information to a lender(s) in order to qualify you for certain a certain loan product(s)
Additionally, you authorize Smart Money Inc. Hawaii to share your information with:
● its affiliates and/or divisions
● financial & non-financial service providers and companies, retailers and direct marketers
● third parties who perform marketing services on behalf of Smart Money Inc. Hawaii or one of its divisions or others with whom Smart Money Inc. Hawaii has a joint marketing agreement or arrangement
Right to Opt-Out of Information Sharing
Federal law gives you the right to limit some but not all sharing. Federal law gives you the right to limit only:
● Sharing for affiliates’ everyday business purposes information about your creditworthiness
● Affiliates from using your information to market to you
● Sharing for non-affiliates to market to you
Certain state law may give you additional rights to limit sharing. If you wish to opt out, you must email reverse@islandreverse.com indicating your preference to opt-out of sharing with affiliated companies, non-affiliated third parties or both. However, by opting-out you understand that such opt-out may affect your access to certain financial products, which may otherwise be available. You are encouraged to obtain information on as many products and providers as possible.
If you do not wish to opt out, no action is required and until you provide the required notice of your opt-out preference, Island Reverse (Smart Money Inc. Hawaii) is authorized to share your information as described above.
Security
Smart Money Inc. Hawaii has measures in place directed to safeguarding the information that you provide. Such measures include, but are not limited to, implementing policies and procedures regarding data security.
Please note, no data transmission over the Internet or any wired or wireless network can be guaranteed to be 100% secure. Smart Money Inc. Hawaii recommends you do not send any confidential information and/or nonpublic personal information by email. If you choose to send confidential information and/or nonpublic personal information to Smart Money Inc. Hawaii via email, you accept all risk that such information may be intercepted by a third party.
Web Technologies
A “cookie” is a small file that is assigned by the web server to your computer or phone. The use of cookies allows Smart Money Inc. Hawaii to identify which pages of the application are accessed. That information is then used to improve the application and your online experience. Assigning a cookie to your computer or phone does not provide Smart Money Inc. Hawaii access to your computer or any of the information contained on your computer or phone, and your computer or phone is not harmed by Smart Money Inc. Hawaii’s use of cookies.
Most web browsers afford you the option of modifying your settings to reject cookies should you choose. However, declining cookies may interfere with your ability to take full advantage of the features of this application.
Change in Control
Your information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether assets, stock or otherwise) of all or a portion of the business of Smart Money Inc. Hawaii. You will have the opportunity to opt-out of further secondary use of your information following any such change in control.
Changes to Our Privacy Statement
Smart Money Inc. Hawaii reserves the right to modify this Privacy Statement at any time without notice, but the most current version of the Privacy Statement will always be available to you by clicking on the link at the bottom of this application. By continuing to use this application and the services available through it, after the date of any change to this Privacy Statement, including accessing this application, you agree and acknowledge acceptance of the Privacy Statement in its most current version.
Terms and Conditions
Please see the Terms of Use statement for other details that are applicable to and regard your use and access of this application by clicking the link at the bottom of this application.
Agreement
By using this application, you agree to this Privacy Statement and to the use of the information Island Reverse (Smart Money Inc. Hawaii) receives and collects as stated herein and in ways Smart Money Inc. Hawaii may notify you of in the future. By providing any personal information to this application, you acknowledge that you fully understand and consent to the collection and processing of such information.
Island Reverse (Smart Money Inc. Hawaii) reserves the right at its discretion to modify this Privacy Statement at any time. Your continued use of this site following the posting of changes to these terms indicates your acknowledgment and acceptance of all changes.
Questions
Should you still have questions regarding Smart Money Inc. Hawaii’s use of your information and the protection afforded it, you may contact Smart Money Inc. Hawaii using the below information:
Smart Money Office
1600 Kapiolani Blvd Suite 633, Honolulu, HI 96814
+1 808-427-5200
reverse@islandreverse.com