HECM Leads is committed to protecting your privacy online. You are important to us, and we will take special care to maintain your trust. Your use of the HECM Leads site indicates your express consent to our collection, storage, use and disclosure of your personal information in the manner described.
You should be aware that if you voluntarily disclose personal information online in a public area, that information may be collected and used by others. We do not control the actions of our visitors and registered users. If you disclose personal information in a publicly accessible place in the HECM Leads site, you do so at your own risk and you understand that your submitted information may be collected and used by others to send you unsolicited messages, advertisements, or for other purposes.
When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, Age or other details to help you with your experience.
You can visit the Site without providing any Personal Data. If you choose not to provide any Personal Data, you may not be able to use certain Services.
When you interact with us through the Services, we may collect personal data and other information from you, as further described below:
Personal Data That You Provide Through the Services
We collect personally identifiable data, including financial information (“Personal Data”) from you when you voluntarily provide such information, such as when you contact us with inquiries, respond to one of our surveys, register for access to the Services, apply for a HECM Leads product or use certain Services.
We will retain your Personal Data as long as your account is active or as needed to provide you the Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. HECM Leads may still need to keep certain personal details of customers to ensure that systems reflect your preferences even if a customer has chosen to opt out of allowing HECM Leads to use that customer’s personal details for marketing purposes. HECM Leads may keep records of any transaction a customer enters into on the Site for a minimum of seven years from the end of our relationship with the customer. We may keep other information about a customer only to the extent necessary to comply with applicable laws and to further legitimate business needs.
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
You may also have the option of posting your Services activities to Social Networking Services when you access content through the Services (for example, you may post to Facebook that you performed an activity on the Service); you acknowledge that if you choose to use this feature, your friends, followers and subscribers on any Social Networking Services you have enabled will be able to view such activity.
We take our responsibilities seriously and employ appropriate physical and technical measures to protect your personal information from unauthorized access. Although HECM Leads uses reasonable efforts to safeguard the privacy of your personal information, transmissions made by means of the Internet cannot be made absolutely secure. HECM Leads assumes no liability for disclosure of data due to errors in transmission or unauthorized third parties.
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information.
We do not share personal information about you with other people or nonaffiliated companies apart from providing products or services you have specifically requested. If you enter a request for a financial, insurance or other product or service offered through this website we will share personal information included in your request form, such as your name, email, physical address, telephone number, and property information, with lenders and partners in our provider network who offer the product you inquired about and like products with similar benefits to process and complete your request. Everyone on our network of providers, including banks, brokers and other firms has entered into a marketing agreement with HECM Leads and are required to comply with state and federal privacy laws and regulations. Partners on our provider network may contact you by telephone, email, direct mail or any other method they may deem appropriate based on the information you supplied to us in order to process and complete your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission or any state equivalent Do Not Call List. If any of these firms calls you by telephone and you wish not to be contacted again by that firm, then you should notify that firm that you do not wish to be contacted again. Please note that the lenders and other firms may maintain the information you provided whether you choose to use their services or not.
Do we disclose the information we collect to Third-Parties?
We sell, trade, or otherwise transfer to outside parties your name, address, city, town, any form or online contact identifier email, name of chat account etc., screen name or user names, phone number, cookie number, ip address device serial #, unique device identifier, photo, video or audio file of child, others age Personally Identifiable Information. HECM Leads assumes no responsibility or liability for these third party policies or the actions of non-affiliated third parties.
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
We sometimes share some of the information we collect with companies that provide certain services for us such as marketing services. These companies only have access to personal information necessary to deliver their service, and may not share it with others or use it for any other purpose – these limits are specified in confidentiality and other legal agreements with us.
Furthermore, we may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders or like circumstances. It may be necessary to share information in order to investigate, avert, or take action regarding illegal behavior, suspected fraud, and/or violations of HECM Leads Terms of Service, or as otherwise required by law.
Under California’s “Shine the Light” law, we provide a method for consumers to “opt-out” of having their information shared with third-parties. Contact us at info@HECMleads.com to unsubscribe.
According to CalOPPA, we agree to the following:
COPPA (Children Online Privacy Protection Act). We do not specifically market to children under the age of 13 years old.
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
To be in accordance with CANSPAM, we agree to the following:
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur. We will notify the users via in-site notification.
HECM Leads may, at any time and without notice, modify or discontinue the Site. You acknowledge and agree that we will have no obligation of any sort to you in connection with any such modification or discontinuance. If you disagree with the changes to how your information will be used, please do not continue to use this website.
If at any time you would like to unsubscribe from receiving future emails, you can email us at info@HECMleads.com and we will promptly remove you from ALL correspondence.
1968 South Coast Highway #485 Laguna Beach, CA 92651