Privacy Policy

Privacy & Security

We take the security and safety of our customers’ personal and confidential information very seriously. We want to do what we can to help you guard against any disclosure of personal or financial information that could lead to the unauthorized use of your account or to identity theft.

 

Hawaii Equity Life Estate and its affiliates (“Hawaii Equity Life Estate” “we” “us” or “our”) take the private nature of your information seriously. When you communicate with Hawaii Equity Life Estate, use the Hawaii Equity Life Estate.com site, and Hawaii Equity Life Estate’s other domains, advertising products, services, or mobile application (collectively, the “Services”), we collect information about you to help us provide and improve our relationship with you. In this Privacy Policy, we describe the sources and types of information we collect, how we use it, when it may be shared with others, and how we safeguard its confidentiality and security.

Hawaii-Specific Disclosures

If you are a resident of the State of Hawaii in the United States, please see below Hawaii Privacy Notice for additional Hawaii-specific privacy disclosures.

What information we collect and how we use it Personal Information

Hawaii Equity Life Estate is committed to appropriately managing any personal information you share with us when using our Services. Personal information means information that can be used to identify an individual, such as a first and last name, financial information, a home or work or other physical address, telephone number, email address, driver’s license number or social security number or other identifiable information (collectively, “Personal Information”).

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Hawaii Equity Life Estate will use the Personal Information you provide to perform the function for which you provide it. For example, if you are applying for a Hawaii Equity Life Estate product, we use that Personal Information for evaluating your eligibility.

Passive Data Collection

We are always working to make your online experience the best available. Various tools and techniques are used to gather and analyze website visits and sessions. One of the ways we gather information about customer visits is through cookies. Some of Hawaii Equity Life Estate’s Services may utilize cookies, web tags, or other tracking technologies. A cookie is a string of information that a website stores on a user’s computer, and that the user’s browser provides to the website each time the user submits a query to the website. A web tag is code or a pixel embedded in a web page, or email, that allows Hawaii Equity Life Estate or a third party to see that you have looked at that page.

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We use cookies and web tags to enable our servers to recognize your web browser and tell us how and when you use the Services. Our cookies do not, by themselves, contain information that personally identifies you, and we don’t combine the general information collected through cookies with other such information to tell us who you are. However, we do use cookies to identify that you have logged in and that your web browser has accessed the Services. We may also store unique or near-unique identifiers that we associate with your Account in our cookies.

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Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. Hawaii Equity Life Estate uses analytics tools and other third party technologies, such as Google Analytics, to collect these website usage and user metrics on our online Sites (as defined by the Hawaii Equity Life Estate Terms of Use) and/or Services. Note that, unless otherwise disclosed, this Privacy Policy covers our use of cookies only and does not cover the use of cookies by third parties.

Information in our tools

We make planning tools, such as mortgage and savings calculators, available. We do not currently store information that you enter into one of these planning tools or calculators in a format that identifies you. We do not represent the accuracy and use of these tools and you should independently verify the results.

Location Information

In some cases, we collect and store information about where you are located, such as by converting your IP Address into a rough geolocation. We may use location information to improve and personalize the Services for you, for example by showing you relevant local content.

Children

The Website is not directed to children under thirteen year of age. It is the policy of Hawaii Equity Life Estate not to knowingly collect, and Hawaii Equity Life Estate does not intend to collect, personally identifiable information on children under the age of thirteen.

How your information is protected

We take a number of steps to protect your personal information. Consistent with industry standards, we have implemented security policies to protect and safeguard the personal information under our control from unauthorized access, improper use or disclosure, unauthorized modification, unlawful destruction or accidental loss. We authorize our employees, agents, service providers and contractors to get information about you only when they need it to do their work for us (e.g., in order to process your application and to originate and service your Hawaii Equity Life Estate or Hawaii Equity Life Estate Home Owner Agreement). We require companies working for us to protect information. They agree to use it only to provide the services we ask them to perform for us.

With whom your information is shared

We never share information we receive from you unless: (a) we have your permission to share that information; (b) we have given you prior notice that the information will be shared, and with whom; or (c) that information is aggregate information or other information that does not identify you.

Information Shared with our Agents in Order to Operate and Improve the Services

We may share Personal Information with third parties, such as service providers, when it is necessary for the conduct of our business. In such cases, we will have agreements with the third party service providers under which the providers agree to maintain the confidentiality of your information and to use it only to help us serve you.

Information Shared with Corporate Parents and Affiliates

We may share your personal information with our affiliated companies and our successors and assigns to improve our service to you, to bring to your attention programs and services in which you may be interested, and as is otherwise reasonably necessary for the conduct of our business.

From time to time, we may share your name, contact information, or other personal information with unaffiliated business partners for their use in marketing their products and services to you.

Information Disclosed for Our Protection and the Protection of Others

Information We Share with Your Consent or at Your Request: If you ask us to release information that we have about your Account, we will do so if reasonable and not unduly burdensome.

We may share personal information with others:

when necessary in order to resolve customer disputes and complaints to protect against fraud

to respond to a subpoena to report to a credit bureau; and

when otherwise necessary to comply with laws, regulations, and judicial or administrative orders and directives.

Information Shared with Other Third Parties

We may share or disclose non-private information, Aggregate Information, or other non-personally identifying information with people and entities that we do business with.

Communication with us

As part of the Services, you may occasionally receive email and other communications from us. Administrative communications relating to your Account are considered part of the Services and your Account, which you may not be able to opt-out from receiving.

You may also receive other kinds of emails, offering products and services from our affiliates or non-affiliates, which you can opt-out of using the “Opt-Out” link in the emails themselves. Note that we will never email you to ask for your password or other Account Information; if you receive such an email, please forward it to us.

If you provide us with an email address or phone number, or choose to communicate with us by email or phone, then emails or phone calls from us to you will be considered to be sent or made with your consent.

Third party websites

This Website may contain links to third party websites. We are not responsible for the privacy practices or the content of these websites. Our website may also use third parties to present or serve advertisements that you may see at our Website. These third party ad servers may use cookies, web beacons, clear gifs or similar technologies to help present such advertisements and to help measure and research the advertisements’ effectiveness. The use of these technologies by these third party ad servers is subject to their own privacy policies and is not covered by our Privacy Policy. Before providing personally identifying information to any third party website, you should review its privacy policy and practices.

Cookies and Tracking Technologies How to Opt Out

If you would prefer not to accept cookies or otherwise wish to disable our use of tracking technologies, most browsers and mobile devices allow you to change your settings so as to notify you when you receive cookies or other tracking technologies are being used, and to choose whether or not to accept/allow it. Most browsers also allow you to disable or delete existing cookies or to automatically reject future cookies. Disabling cookies may limit your ability to use the Site.

Certain tracking technologies we use involve the use of session replay scripts or other scripts that run directly from your browser. If you wish to disable these tracking technologies, you can install a third-party browser analytics blocker plug-in such as Ghostery.

Changes to this Privacy Policy

We may amend this Privacy Policy from time to time, using the process for modifications set forth in our Terms of Service. Use of information we collect is subject to the Privacy Policy in effect at the time such information is collected.

Where to direct questions or concerns

If you have any questions or concerns regarding privacy using the Services, send us an email at info.HawaiiEquityLifeEstate@gmail.com.

Hawaii Privacy Notice
When it comes to your rights as a consumer, we want to make sure you have everything you need to make informed decisions. Read the section below to learn more about how your personal information is used.

Last Updated: June 1, 2022

This Hawaii Privacy Notice supplements the information contained in our Privacy Policy and applies solely to individual residents of the State of Hawaii.

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This HI Notice provides additional information about how we collect, use, disclose and otherwise process personal information of individual residents of the State of Hawaii within the scope of the Hawaii Consumer Privacy Act (“HCPA”). If you are not a resident of Hawaii, please refer to our Privacy Policy above for more information about what we do with information about you.

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For the purposes of this Notice, “personal information” has the meaning provided by the HCPA and does not include:

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Publicly available information from government records.

Deidentified or aggregated consumer information.

Information excluded from the HCPA's scope, like information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or Hawaii Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994. To understand how we process personal information in connection with financial products and services, please review the Hawaii Equity Life Estate Privacy Policy above.

Information relating to employees, job applicants, contractors and other personnel of Hawaii Equity Life Estate, which is not governed by this CA Notice.

Collection and Use of Personal Information

We collect personal information from and about you for a variety of purposes. For example, we use personal information to fulfill your requests, process your transactions and provide our services to you; to communicate with you; for marketing and advertising purposes; to monitor, improve, and develop our products and services; and to protect the security and integrity of our business, comply with legal requirements and obligations; for our business and operational purposes; and as otherwise permitted or required by law.

In the past 2 months, we have collected the following categories of personal information:

Category of Personal Information Collected;                                        Collected;                                      Categories of Sources

Identifiers, including your name, address,

and phone number.                                                                             Yes                                           Directly from you Our                                                                                                                                                                business partners and affiliates

                                                                                                                                                    Third parties you direct to share

                                                                                                                                                     information with us Social                                                                                                                                                          networks Data providers           Internet/Network Information,                                                                                                                                                 including your device information,                                                                                                                                                            logs and analytics data.                                                           Yes                                               Your browser or device

Geolocation Data, such as precise location

information from your device or generated based

on IP address.                                                                                     Yes                                                Your browser or device

Generated based on IP address

Inferences about your interests and preferences,

generated from your use of our sites.                                                        Yes                                             Information generated or                                                                                                                                                      derived from your use of the site.

Disclosure of Personal Information

We share personal information with third parties for business purposes or we may sell your personal information to third parties, subject to your right to opt out of those sales (see Your Rights and Choices below). The categories of third parties to whom we sell or disclose your personal information for a business purpose include: (i) other brands and affiliates in our family of companies; (ii) our service providers and advisors; (iii) marketing and strategic partners; (iv) promotional partners; (v) ad networks and advertising partners; (vi) analytics providers; (vii) social networks.

All of the categories of personal information we collect, explained in the table above.

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Requests to Exercise Your Rights

As described in the “Collection and Use of Personal Information” section above, we collect limited information about consumers and do not have a reasonable method to verify Right to Know and Right to Deletion requests. To the extent we collect Internet/Network Information and Geolocation Data or make Inferences about your preference based on your use of our sites, we are unable to confirm whether we have your information in connection with such categories since we do not link or associate that information to a particular consumer. For more information on how we use online identifiers and information, please reference the Cookies and Tracking Technologies section of the Hawaii Equity Life Estate Privacy & Security Policy and the Online Advertising section below. In connection with the Identifiers we collect, because the information we maintain is generally associated with common names, home addresses where several individuals may reside, or information that may be easily acquired through public sources, we do not have a reasonable method for verifying the request to the degree required. As such, we will be unable to verify and honor such requests.

If you would like to further inquire about your Right to Know and your Right to Deletion, please contact us through our Privacy Request form or email us at info.HIEquityLifeEstate@gmail.com.

Sale of Personal Information

We do not “sell” personal information as most people would typically understand that term. As is common practice among companies that operate online, we do allow certain third party advertising networks, social media companies and other third party businesses to collect information about consumers (including Internet / Network Information, Location, and Inferences) directly through our services for purposes of analyzing and optimizing our services and ads, providing content and ads that are more relevant, measuring statistics and the success of ad campaigns, and detecting and reporting fraud.

To the extent this practice is interpreted to constitute a “sale” under the CCPA, please visit the Cookies and Tracking Technologies How to Opt Out section of the Hawaii Equity Life Estate Privacy & Security Policy and the Online Advertising section below for more information, including how to opt-out of cookies, analytics and personalized advertising. We will continue to update our business practices as regulatory guidance becomes available and provides clarity on what constitutes a “sale,” particularly in the advertising ecosystem.

Online Advertising

We participate in interest-based advertising and use third party partners to make the advertisements you see online more relevant to your interests, as well as to provide advertising-related services such as reporting, attribution, analytics and market research. These third parties collect information about your use of our websites over time so that they may play or display ads on our service, on other websites, apps or services you may use, and on other devices you may use. Typically, though not always, the information collected and used for interest-based advertising is collected through tracking technologies, such as cookies, Flash objects, web beacons, embedded scripts, mobile SDKs, location-identifying technologies, and similar technology. We may also use services provided by third parties (such as social media platforms) to serve targeted ads to you and others on such platforms.

The third-party tracking technologies on our Websites include Amazon, Apple News, LinkedIn, Pinterest, Quora, Verizon Media (Yahoo), Zeta, Google AdWords, Twitter Advertising, LinkedIn Marketing Solutions, Eloqua, Facebook Custom Audience, and Bing. You can for example also download the Ghostery browser extension to find out the most current tracking technologies running on our Websites.

Most browsers allow you to adjust your browser settings to: (i) notify you when you receive a cookie, which lets you choose whether or not to accept it; (ii) disable existing cookies; or (iii) set your browser to automatically reject cookies. We do not currently recognize Do Not Track signals set by your browser.

To learn about interest-based advertising and how you may be able to opt-out of some interest-based advertising, you may wish to visit the following sites:

Your Online Choices (http://www.youronlinechoices.com/)

Network Advertising Initiative (http://www.networkadvertising.org/)

Digital Advertising Alliance (http://www.aboutads.info/consumers)

Trust Arc Opt-out Tool (http://preferences-mgr.truste.com)

Updates to These HI Disclosures

e will update this HI Notice from time to time. When we make changes, we will change the "Last Updated" date at the beginning of this HI Notice. All changes shall be effective from the date of publication unless otherwise provided in the notification.

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Contact Us
If you have any questions or requests in connection with this Notice or other privacy-related matters, please send an email to info.HawaiiEquityLifeEstate@gmail.com.

Credit Use Authorization

To assess your eligibility for a Hawaii Equity Life Estate program, we may order reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian, and Equifax.

Welcome to Hawaii Equity Life Estate. Hawaii Equity Life Estate is operated by Oahu Realty Pro, a Hawaii LLC (DBA “Hawaii Equity Life Estate,” “we,” or “us”). By using the web site at www.Hawaii Equity Life Estate.com including any subdomain thereof, and submitting an application or a prequalification form, and continuing with the application process, you agree that you are authorizing Hawaii Equity Life Estate to obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian, and Equifax.

Submitting an application or prequalification form to Hawaii Equity Life Estate will not affect your credit; it will result in a soft credit inquiry which is only visible to you. If you receive a Hawaii Equity Life Estate agreement, you also agree that Hawaii Equity Life Estate may regularly conduct a soft credit inquiry to assess your adherence to the Hawaii Equity Life Estate Agreement. A soft credit inquiry is only visible to you and will not affect your credit.

You authorize Hawaii Equity Life Estate to verify information in your application about yourself and the property, and you agree that Hawaii Equity Life Estate may contact third parties to verify any such information.

Additional reporting may be made to credit reporting agencies during the term of your Hawaii Equity Life Estate agreement.