All Reverse Mortgage, Inc. (“All Reverse,” “us,” “we,” or “our”) operates the https://reverse.mortgage website and the ARLO™ tools and mobile applications (together, the “Service”). All Reverse Mortgage, Inc. is a licensed mortgage lender, NMLS #13999, HUD Lender #26031-0007. A list of the states in which we are licensed is available on our State Licensing page.

Because the Service helps you make decisions about your home and your finances, we take particular care with the information you share. This Privacy Policy describes what we collect, how we use and protect it, who we share it with, and the rights and choices you have.

1. Information We Collect

We collect information in three ways: information you give us directly, information collected automatically when you use the Service, and information we receive from trusted third parties.

Information you provide

• Contact information — first and last name, email address, phone number, and mailing address (street, city, state, ZIP).
• Loan-qualification information — date of birth or age, property address, estimated home value, existing mortgage balance, and property type. You choose what to share; many of our calculators work with no personal information at all.
• Communications — the contents of messages, questions, reviews, and support requests you send us.

Financial information (NPI)

If you choose to move forward with an application or a personalized quote from a loan specialist, we may collect “nonpublic personal information” (NPI) as defined by the Gramm-Leach-Bliley Act. This can include income and asset information, credit history, and account or financial details necessary to evaluate a reverse mortgage. How we handle this category of information is described in the GLBA Financial Privacy Notice below.

Information collected automatically

• Usage data — IP address, browser type and version, device identifiers, the pages you view, referring pages, and the date, time, and duration of your visit.
• Identity and audience data. When you visit the Service, third-party identity-resolution providers we work with may use online identifiers (such as cookies, device identifiers, and your IP address) together with their own consumer databases to recognize you and provide us with associated information, which may include your name, email address, and audience or interest attributes, so we can follow up about the products you viewed. This recognition can occur automatically when you arrive on the Service, including before you interact with any cookie banner. See Visitor Identification & Identity Resolution below, and the opt-out options in Your Privacy Rights.
• Cookies and similar technologies — described in Cookies & Tracking below.

Information from third parties

With your authorization, we may receive information from consumer reporting agencies, appraisal and title providers, and our loan-servicing partners to verify eligibility and process your request. We use this information in accordance with the Fair Credit Reporting Act (FCRA) and only for permissible purposes.

Separately, and not in connection with a loan application, we work with identity-resolution and marketing providers that maintain their own consumer databases. When you visit the Service, these providers may match your visit to information they already hold about you — such as your name and email address — and make that information available to us for our own marketing. This process is described in Visitor Identification & Identity Resolution below.

2. How We Use Your Information

We use the information we collect to:

• Provide reverse mortgage quotes, calculators, and the ARLO™ Service you request;
• Respond to your questions and provide customer care and support;
• Evaluate eligibility for and process a reverse mortgage if you apply;
• Recognize visitors who are interested in our products and follow up with relevant information by email and online advertising (see Visitor Identification & Identity Resolution);
• Contact you by phone or text, but only by the methods and to the extent you have authorized (see Your Consent to Be Contacted);
• Operate, maintain, secure, and improve the Service;
• Detect, prevent, and address fraud, security incidents, and technical problems; and
• Comply with our legal, licensing, and regulatory obligations as a mortgage lender.

We process this information based on your consent, to perform the services you request, to comply with our legal obligations, and for our legitimate business interests in operating a secure and effective Service and marketing our products.

3. GLBA Financial Privacy Notice

As a financial institution, All Reverse Mortgage, Inc. is required by the federal Gramm-Leach-Bliley Act to tell you how we collect, share, and protect your nonpublic personal information. This section serves as that notice.

Scope. This GLBA notice concerns the nonpublic personal information (NPI) you provide when you apply for a loan or request a personalized quote. It is separate from the website visitor-identification process described in Visitor Identification & Identity Resolution, which uses online identifiers and activity from your visit to our website — not the financial information you provide in an application.

How does All Reverse protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, encryption of data in transit and at rest, and secured files and buildings. We limit access to your information to employees and service providers who need it to do their jobs.

How does All Reverse collect my personal information? We collect your personal information, for example, when you apply for a loan or quote, give us your contact or income information, or seek advice about your mortgage. We also collect it from others, such as credit bureaus and other companies, with your authorization.

Why can’t I limit 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, and sharing for nonaffiliates to market to you. As shown above, All Reverse does not share your NPI in any of these ways, so there is nothing for you to limit. State laws and individual companies may give you additional rights, described in Your Privacy Rights.

Definitions. Affiliates are companies related by common ownership or control. Nonaffiliates are companies not related by common ownership or control. Joint marketing is a formal agreement between nonaffiliated financial companies that together market financial products or services to you.

4. Your Consent to Be Contacted (TCPA)

You are always in control of how we reach you. By submitting a request through the ARLO™ calculator, a quote form, or clicking a “View Your Report” or similar button, you provide your prior express written consent for All Reverse Mortgage, Inc., and our loan-servicing partner Longbridge Financial, LLC, or an authorized party acting on their behalf, to contact you at the telephone number and email address you provide — including by automated technology such as autodialed or pre-recorded calls and SMS/MMS text messages (message and data rates may apply) — even if your number is on a corporate, state, federal, or national Do-Not-Call (DNC) registry.

Consent is not a condition of purchase or of using our tools. You may always reach us directly at (800) 565-1722 instead of providing consent, and you may use the ARLO™ calculator without being contacted. You can withdraw your consent at any time by replying STOP to any text message, telling a representative, or contacting our Privacy Office using the details below. Rate quotes displayed by ARLO™ are deemed reliable but are subject to change without notice.

Marketing email follow-up. Where we recognize a visitor through the identity-resolution process described below, any marketing follow-up is sent by email and always includes a one-click unsubscribe link; you can opt out at any time by using that link, by emailing our Privacy Office, or by exercising the opt-out choices in Your Privacy Rights. We do not place autodialed marketing calls or send marketing text messages to a telephone number unless you have given the prior express written consent described above.

5. How We Share Your Information

We do not sell your personal information for money. However, some of the data practices described in this Policy — in particular our use of identity-resolution and advertising partners — may be treated as a “sale” or “sharing” of personal information under certain state privacy laws even though no money changes hands. You can opt out of these practices at any time, as described in Your Privacy Rights. We share information only as described here:

• Service providers. We use vetted third parties to operate the Service — for example, hosting, analytics, communications, and document processing. They may access your information only to perform tasks on our behalf and are contractually obligated to protect it and not use it for any other purpose.
• Identity-resolution and advertising partners. We use third-party providers that recognize visitors to our Service and help us reach interested visitors with relevant follow-up by email and online advertising. To do this, online identifiers and activity data about your visit are processed by these providers, which match them against their own databases. Depending on your state, this processing may be considered a “sale” or “sharing” of personal information. See Visitor Identification & Identity Resolution and the opt-out options in Your Privacy Rights.
• Loan-servicing partner. If you request a quote or apply, we may share your information with Longbridge Financial, LLC to provide and service a reverse mortgage.
• Legal and safety. We may disclose information when we believe in good faith it is necessary to comply with a legal obligation or lawful request, to enforce our agreements, to protect the rights, property, or safety of our users, the public, or All Reverse, or to investigate fraud or wrongdoing.
• Business transfers. If All Reverse is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to this Policy.

6. Cookies & Tracking

We use cookies and similar technologies (such as beacons, tags, pixels, and scripts) to operate the Service, remember your preferences, keep the Service secure, analyze how it is used, recognize returning and interested visitors, and support our marketing and advertising. Examples include session cookies (to operate the Service), preference cookies (to remember your settings), security cookies, analytics cookies, and advertising and identity-resolution pixels.

You can set your browser to refuse cookies or to alert you when cookies are being sent; if you do, some parts of the Service may not function properly. You can also exercise advertising and “Do Not Sell or Share” choices as described in Your Privacy Rights.

Analytics & advertising

We use Google Analytics to understand how visitors use the Service. Google may use this data within its own services. You can opt out by installing the Google Analytics opt-out browser add-on. For more information, see Google’s Privacy & Terms. Some advertising, analytics, and identity-resolution tools may set identifiers or process data that certain state laws treat as a “sale” or “sharing”; you can opt out using the link in Your Privacy Rights.

Visitor Identification & Identity Resolution

To help us follow up with visitors who are interested in our products, we work with one or more third-party identity-resolution providers. These providers operate their own large consumer databases built from sources that, according to the providers, have obtained consumer consent for marketing. When you visit the Service, an identity-resolution pixel or script may collect online identifiers and activity from your visit — such as cookies, device identifiers, IP address, and the pages you view — and attempt to match your visit to a record in the provider’s database. Where there is a match, the provider may make associated information available to us, which can include your name, postal or email address, and audience or interest attributes.

When this happens. This recognition is designed to occur automatically when you arrive on and interact with the Service, and it may occur before you have interacted with our cookie banner or this Privacy Policy. We provide this notice, our cookie controls, and the opt-out choices below so you can decline or stop this processing.

How we use it. We use information obtained through identity resolution for our own marketing — primarily to send you relevant follow-up by email (always with a one-click unsubscribe) and to deliver or suppress online advertising. We do not use it to place autodialed marketing calls or to send marketing text messages without the separate prior express written consent described in Your Consent to Be Contacted. This process uses online activity and identifiers from your website visit; it does not use the nonpublic personal information (NPI) you provide when you apply for a loan or request a personalized quote, which we handle as described in our GLBA Financial Privacy Notice.

Your choices. You can opt out of identity resolution and the related “sale”/“sharing” of your information at any time by using the Do Not Sell or Share My Personal Information controls below, by enabling a Global Privacy Control (GPC) signal in your browser (which we honor), by declining non-essential cookies in our cookie banner, or by contacting our Privacy Office. If you have received email from us and do not wish to hear from us, you can unsubscribe using the link in any message.

7. How Long We Keep Your Information

We keep your personal information only as long as necessary for the purposes described in this Policy, including to provide the Service you requested, and to meet the recordkeeping obligations that apply to licensed mortgage lenders. Loan and financial records are generally retained for the period required by applicable federal and state law (which for mortgage records is typically several years after the file is closed). Information obtained through identity resolution is retained only as long as needed for the marketing purposes described above or until you opt out, whichever is sooner. When information is no longer needed, we securely delete or de-identify it.

8. How We Protect Your Information

We use administrative, technical, and physical safeguards designed to protect your information, including encryption of data in transit and at rest, access controls that limit information to personnel and partners who need it, and ongoing monitoring of our systems. No method of transmission or storage is 100% secure, so while we work hard to protect your information, we cannot guarantee absolute security. If you have reason to believe your interaction with us is no longer secure, please contact our Privacy Office immediately.

9. Your Privacy Rights

California (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act, gives you the right to:

• Know and access the categories and specific pieces of personal information we collect, the sources, the purposes, and the categories of parties we share it with;
• Correct inaccurate personal information we maintain about you;
• Delete personal information we have collected from you, subject to legal exceptions;
• Opt out of the “sale” or “sharing” of your personal information, including the identity-resolution and advertising practices described above; and
• Non-discrimination — we will not deny service, charge different prices, or provide a different quality of service because you exercised your rights.

Information subject to the GLBA and FCRA is exempt from certain CCPA provisions, but we honor your rights for all information not covered by those exemptions — including information obtained through website identity resolution.

Other U.S. state privacy rights

Residents of states with comprehensive privacy laws — including Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and others as they take effect — have similar rights to access, correct, delete, and obtain a copy of their personal information, and to opt out of targeted advertising and the sale of personal information. You also have the right to appeal a decision we make about your request. To exercise these rights, use the methods below.

Do Not Sell or Share My Personal Information / Manage Your Privacy Choices

Although we do not sell your information for money, some third-party advertising, analytics, and identity-resolution tools may involve a “sale” or “sharing” under state law. You are in control at any time:

• Review or change my privacy choices — reopens our consent banner so you can accept or decline.
• Do Not Sell or Share My Personal Information — records your opt-out right away.
• Submit a formal request through our data removal request form.

We also honor Global Privacy Control (GPC) signals automatically, so if your browser sends one, we treat it as an opt-out without any further action from you.

How to exercise your rights

You may submit a verifiable request to access, correct, or delete your information, or to opt out, by:

• Using our online data removal request form;
• Calling us at (800) 565-1722; or
• Contacting our Privacy Office at the address below.

We will verify your identity before fulfilling your request and will respond within the timeframe required by applicable law. You may use an authorized agent to submit a request on your behalf.

10. Children’s Privacy

The Service is intended for adults and is not directed to anyone under 18. We do not knowingly collect personal information from children under 18. If you believe a child has provided us with personal information, please contact our Privacy Office and we will take steps to delete it.

11. Links to Other Sites

The Service may contain links to sites we do not operate. We are not responsible for the content or privacy practices of those sites, and we encourage you to review the privacy policy of every site you visit.

12. Information Transferred to the United States

All Reverse is based in the United States and processes information here. If you access the Service from outside the U.S., you understand that your information will be transferred to and processed in the United States, where data protection laws may differ from those in your location. By using the Service, you consent to this transfer.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will post the updated Policy on this page, update the “Last updated” date above, and — where appropriate — notify you by email or a prominent notice on the Service before the change takes effect. We encourage you to review this page periodically.

14. Contact Us