ONLINE PRIVACY POLICY
Island Pacific HomeLoans, LLC is committed to customer confidentiality and privacy. This online privacy policy specifically applies to Island Pacific HomeLoans, LLC’s online use and disclosure of information collected from visitors during the use of our websites for informational purposes by the use of online tracking technology, including cookies or action tags. This site is operated in and controlled from the United States of America. This online policy should be read together with the "What Does Island Pacific HomeLoans, LLC Do with Your Personal Information" Privacy Notice which, among other things, describes how Island Pacific HomeLoans, LLC may share personal information gathered from you and how you can opt-out or limit certain types of information sharing.
Effective Date
The Online Policy is effective as of 11/01/2016
Changes to the Online Policy
This online policy is subject to change at any time to address future developments of Island Pacific HomeLoans, LLC, the websites, or changes in the industry. Please review it periodically. We will post the revised online policy on the site and will revise the "Effective Date" section above. Any changes to this online policy will become effective upon the posting of the revised online policy on the websites. Your use of the site following these changes means that you accept the revised policy. If you have any questions or comments about this online policy, please feel free to contact us via telephone at 808-544-5470.
TYPES OF INFORMATION COLLECTED
Contact Us Forms
We collect various types of personal information from visitors to the site through Contact Us forms. Information collected in these forms include your name, email address and telephone number. This information is used to contact you based upon the issue/comment submitted.
Web-based Cookies, Web logs and other technologies
We employ third party software, Google Analytics, to evaluate and track the performance of the website by using web-based cookies and tracking pixels. These cookies and tracking pixels contain an ID number which allows us collect aggregate information to measure the number of visitors to various sections of our website and track visitor visits.
Our web servers automatically collect limited information about your computer’s configuration and browsing activity when you visit our site. This information includes the browser software that you use, the operating system of your computer, the resolution of your computer monitor, the speed of your Internet connection, the website that referred you to our site and/or the search terms you entered into a search engine to reach our site, etc.
These web based cookies and web logs do not contain or store any personally identifiable information. We use this information only to learn more about how visitors are using our website, and to help improve the organization and navigation of our website.
SAFEGUARDING YOUR INFORMATION
Encryption
Island Pacific HomeLoans, LLC’s website is secure and encrypted for your protection. The information you provide to us online is protected by Secure Socket Layer (SSL) technology. SSL is the leading security protocol for transferring data on the Internet. This secure session helps protect the safety and confidentiality of your information when using our website.
Contact Information Your Provide Us and How It’s Used
When you supply us with your postal or e-mail address or telephone number online, you are requesting that someone from Island Pacific HomeLoans, LLC contact you regarding a product, service or issue. We will never ask for personal and confidential information via e-mail.
OTHER INFORMATION ABOUT OUR WEB SITE
Children Visiting Island Pacific HomeLoans, LLC’s Web Site
We respect the privacy of children and comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from children.
Links To, or From, Island Pacific HomeLoans, LLC’s Web Site.
We may provide links to websites not affiliated with Island Pacific HomeLoans, LLC. If you proceed with these links that are not controlled by Island Pacific HomeLoans, LLC, you should review their policies and terms for their sites. In most instances, Island Pacific HomeLoans, LLC will notify the visitor that you are leaving our site to a non- Island Pacific HomeLoans, LLC website. Island Pacific HomeLoans, LLC is not responsible for information practices employed by websites linked to our web site. Generally, links to non- Island Pacific HomeLoans, LLC web sites are provided solely as pointers to information on topics that may be useful to users of Island Pacific HomeLoans, LLC’s web site.
Fraud
Fraud can come in many forms. It is important as a consumer to protect yourself to avoid becoming a victim. One of the most common types of fraud attempts is to steal your identity. Identity theft starts with the misuse of your personally identifiable information such as your name and Social Security number, credit card numbers, or other financial account information. For identity thieves, this information is priceless.
There are many ways to try and steal this information, which include but are not limited to the following:
- Dumpster Diving. Rummaging through trash looking for bills or other documents containing your personal information.
- Skimming. Stealing credit/debit card numbers by using a special information collection/storage device when processing your card information.
- Phishing. Acquiring information such as usernames, passwords and credit card details by masquerading as a trustworthy entity usually via email. The email often instructs users to enter details at a fake website that looks and feels like they are on the legitimate website. Communications purporting to be from popular social web sites, auction sites, online payment processors or IT administrators are commonly used to lure the unsuspecting public.
- Mail Theft. Stealing your mail from your mailbox hoping to find bank statements or payroll/social security checks mailed to your home.
Credit: APWG, Carnegie Mellon Universtiy, and Wombat Security Technologies, Inc.
FIGHT BACK AGAINST IDENTITY THEFT
DETER identity theft by safeguarding information
- Be careful of how you disclose private information, such as displaying your Social Security Number on checks.
- Shred documents such as credit cards, insurance & other financial statements before discarding.
DETER suspicious activity by monitoring accounts
- Review transactions (online is best).
- Be alert for statements that don't arrive as expected.
- Ask for your free credit report every 12 months. Visit www.AnnualCreditReport.com or call 1-800-322-8228.
DETER against identity theft as soon as you suspect a problem
- Follow reporting procedures shown below to speed your recovery
IF YOU BECOME AN IDENTITY THEFT VICTIM
- Place a “fraud alert” on all your credit reports by calling any one of these reporting agencies, who will contact the other two:
Equifax: 1-888-766-0008
Experian: 1-888-397-3742
TransUnion: 1-800-680-7289 - File a police report. The best way for the authorities to bring criminals to justice and prevent future fraud is through sharing information. Your police report helps authorities gain insight on how the crime was committed. You can also share a copy of the police report with banks and credit card companies as evidence of the crime.
- Call the Federal Trade Commission Identity Theft Hotline at 1-877-IDTHEFT (1-877-438-4338) or visit the FTC web site at http://www.ftc.gov/idtheft for victim support and assistance.
- Take advantage of identity theft protection benefits you may subscribe to or which may come with your bank account.
Act quickly.
If you suspect your identity or financial information is being used fraudulently, call your bank and credit card companies immediately. The sooner you act, the better the chances of catching the culprit and of limiting the damage. File a police report. The best way for the authorities to bring criminals to justice and prevent future fraud is through sharing information. Your police report helps authorities gain insight on how the crime was committed.
To report a phishing and/or fraud attempt, contact us at 808-544-0500 or toll-free 1-800-342-8422.
