Effective date: November 12, 2018
All Reverse Mortgage, Inc. ("us", "we", or "our") operates the https://reverse.mortgage website (the "Service").
This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.
Information Collection And Use
We collect several different types of information for various purposes to provide and improve our Service to you.
Types of Data Collected
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:
- Email address
- First name and last name
- Phone number
- Address, State, Province, ZIP/Postal code, City
- Cookies and Usage Data
We may also collect information how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
Tracking & Cookies Data
Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
- Session Cookies. We use Session Cookies to operate our Service.
- Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
- Security Cookies. We use Security Cookies for security purposes.
By using ARLO™ Calculator and clicking on the “View Your FREE Report Now!” button above, you consent,
acknowledge, and agree to the following:
We take your privacy seriously. You are providing express “written” consent to
share your information with Longbridge Financial LLC (our servicing unit), or an authorized third party on their
behalf to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone,
mobile device (including SMS and MMS – charges may apply) and/or email, even if your telephone number is currently
listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list.
Consent is not required as a condition to utilize ARLO™ Calculator, and you may choose to be contacted by an individual
customer care representative(s) by calling 1-800-565-1722 or you may utilize our services using All Reverse Mortgage, Inc.
Reverse Mortgage rate quotes displayed on ARLO™ Calculator are deemed reliable but are subject to change without notice.
Use of Data
All Reverse Mortgage, Inc. uses the collected data for various purposes:
- To provide and maintain the Service
- To notify you about changes to our Service
- To allow you to participate in interactive features of our Service when you choose to do so
- To provide customer care and support
- To provide analysis or valuable information so that we can improve the Service
- To monitor the usage of the Service
- To detect, prevent and address technical issues
Transfer Of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.
If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.
Disclosure Of Data
All Reverse Mortgage, Inc. may disclose your Personal Data in the good faith belief that such action is necessary to:
- To comply with a legal obligation
- To protect and defend the rights or property of All Reverse Mortgage, Inc.
- To prevent or investigate possible wrongdoing in connection with the Service
- To protect the personal safety of users of the Service or the public
- To protect against legal liability
Security Of Data
The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyze the use of our Service.
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
Residents Of California
California residents have the option to exercise the following rights under California law.
1. Right To Know And Access Your Personal Information.
You may submit a verifiable request for information regarding the: (a) categories of personal data we collect, use, or
share; (b) purposes for which categories of personal data are collected or used by reverse.mortgage; (c) categories of
sources from which we collect personal data; and (d) specific pieces of personal data we have collected about you.
2. Right To Equal Service.
All Reverse Mortgage® will not discriminate against you if you exercise your privacy rights.
3. Right To Delete Your Personal Information.
You may submit a verifiable request to delete personal data about you that we have collected.
Please visit our online data removal request form to request that All Reverse Mortgage®
remove all data from it's system which you have previously submitted through this website or any other website owned and operated by All Reverse Mortgage Inc.
4. Right To Request That Your Personal Information Not Be Sold.
You may submit a verifiable request to a business that such business not sell your personal data. All Reverse Mortgage does
not sell the personal data of our users or customers.
Links To Other Sites
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Our Service does not address anyone under the age of 18 ("Children").
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
- By phone number: 800-565-1722