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Privacy Policy for Senior Life Solutions (SLS) |
| This policy describes the ways we collect, store, use and protect your personal information. We may
amend this policy at any time by posting a revised version on our website. |
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| How we collect information about you |
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| When you visit the SLS website, we may collect standard web log information, such as your browser type,
the pages you accessed on our website, time spent on the site, as well as other similar information including web sites used to access our site. |
| We are the sole owners of the information collected on our web site. We only have access to/collect information
that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone. |
| If you apply for a reverse mortgage loan, we collect the following types of information from you: |
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Contact information - your name, address, phone, social security number, driver's license information, as well
as other similar information which may be required by the lending institution in order to underwrite your loan. We will also collect this information
for anyone who is on title to your home. |
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Financial information - you and other titleholders may be requested to provide information on your bank accounts,
particularly in the event of a reverse mortgage home purchase. You may also be asked to provide property tax information, and any information on property
liens, debts, lawsuits (pending or past), judgments, current loan information, and the like in order to process your reverse mortgage application. |
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Before permitting you to use our Service, we may require you to provide additional information we can use to verify
your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you
from third parties such as credit and flood bureaus, and identity verification services. |
| Finally, we may collect additional information from or about you in other ways not specifically described here.
For example, we may collect information related to how you originally heard about us, or why you decided to use us to serve your reverse mortgage needs. |
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| Use of cookies |
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| When you access our website, we do not place small data files called "cookies" on your computer. |
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| How we protect and store personal information |
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| Throughout this policy, we use the term "personal information" to describe information that can be associated
with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized
so that it does not identify a specific user. |
| We store and process your personal information on our computers in the US, and we protect it by maintaining
physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as
firewalls and encryption. We also enforce physical access controls to our buildings and files, and we authorize access to personal information only
for those employees who require it to fulfill their job responsibilities. Your information is protected both on-line as well as off-line. |
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| How we use the personal information we collect |
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| Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient,
and customized experience. We may use your personal information to: |
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Provide the services and customer support you request; |
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Process loan transactions and provide industry information; |
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Prevent potentially prohibited or illegal activities; |
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Customize, measure, and improve our services and the content and layout of our website; |
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Send you targeted marketing, and industry update notices; |
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Compare information for accuracy and verify it with third parties. |
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| How we share personal information with other people |
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| To process your loan transaction, we need to share some of your personal information with the person
or company that is underwriting your loan. Your personal, financial, house, contact information, and other similar and necessary underwriting
information is used for this purpose. |
| If you are obtaining a reverse mortgage, we will also supply certain personal information to credit and
flood bureaus, as well as appraisers, escrow and title companies, as well as contractors who may be working on your home. We only provide these
people with the information required for them to complete their job on your behalf. |
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| How we share personal information with other parties |
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| We may share your personal information with: |
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Service providers under contract who help with parts of our business operations (loan origination and
underwriting). Our contracts dictate that these service providers only use your information in connection with the services they perform for us
and not for their own benefit. |
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Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require
that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary
to this policy, you will receive prior notice.) |
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Law enforcement, government officials, or other third parties when |
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We are compelled to do so by a subpoena, court order or similar legal procedure |
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We need to do so to comply with law |
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We believe in good faith that the disclosure of personal information is necessary to prevent physical harm or
financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement. |
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Other third parties with your consent or direction to do so. |
| SLS will not sell or rent any of your personal information to third parties in the normal course of doing
business and only shares your personal information with third parties as described in this policy. |
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| How you can restrict SLS from sharing your personal information |
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| Federal and state laws allow you to restrict the sharing of your personal information in certain instances.
However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing,
the only type of sharing of your personal information that you may restrict is as follows: |
| If you do not want SLS to provide industry updates or targeted marketing material, you may contact us in writing
and request to be removed: our address is Senior Life Solutions, Attn: Janet Kaul, 13115 NE 4th Street, Suite 250, Vancouver, WA 98684 |
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| How you can access or change your personal information |
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| You can request a change to your address and other similar contact information by contacting us in writing at
the following address: Senior Life Solutions, Attn: Janet Kaul, 13115 NE 4th Street, Suite 250, Vancouver, WA 98684 |
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| How you can contact us about privacy questions |
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| If you have questions or concerns regarding this policy, you should contact us by writing to us at Senior
Life Solutions, Attn: Janet Kaul, 13115 NE 4th Street, Suite 250, Vancouver, WA 98684 |
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