Alliance Reverse Mortgage Privacy Policy

Effective Date: 01/01/2026
Review Date: 12/31/2026

1. Introduction

Alliance Reverse Mortgage (referred to as “we,” “us,” or “our”) is committed to safeguarding the privacy and security of our clients’ personal information. This Privacy Policy provides a comprehensive overview of how we collect, use, maintain, and disclose information about our clients in compliance with applicable privacy laws and regulations. We NEVER sell clients information, it is only utilized for the origination of a loan.

2. Information We Collect

We collect various types of information about our clients and website visitors, which can be categorized as follows:

2.1 Personal Information

Personal Information refers to any information that identifies or can be used to identify, contact, or locate an individual. This may include, but is not limited to:

  • Identifying Information: Name, date of birth, and Social Security number.
  • Contact Information: Address, email address, and phone number.
  • Financial Information: Income, employment history, banking information, and credit history.
  • Demographic Information: Age, gender, marital status, and household information.

2.2 Non-Personal Information

We also collect Non-Personal Information that cannot be used to identify you individually. This may include:

  • Technical Information: IP address, browser type, operating system, and device information.
  • Usage Data: Pages visited on our website, time and date of visits, clickstream data, and other analytics information.

3. How We Use Your Information

We utilize the information we collect for various legitimate business purposes, including:

  • Service Delivery: To provide, operate, and maintain our mortgage services, and to process your loan applications and transactions.
  • Communication: To communicate with you regarding your inquiries, account information, and transaction updates.
  • Personalization: To personalize your experience on our website and to improve customer service based on your feedback.
  • Risk Management: To assess and manage risk, including fraud prevention and compliance with anti-money laundering (AML) regulations.
  • Research and Analysis: To conduct research and analysis to improve our products and services.
  • Marketing: To send you promotional materials and advertisements, when permissible by law.

4. Information Sharing and Disclosure

We take your privacy seriously and do not sell or rent your personal information to third parties. We may share your personal information under the following circumstances:

4.1 With Service Providers

We may engage third-party companies and individuals to facilitate our services (“Service Providers”), such as:

  • Loan processing and underwriting services
  • IT and system maintenance
  • Marketing and communication services

These third-party service providers will have access to your personal information only to perform these tasks on our behalf and are obligated to maintain its confidentiality.

4.2 Legal Compliance

We may disclose your personal information if required to do so by law or in response to valid requests by public authorities (e.g., a court or governmental agency). This includes:

  • Complying with applicable laws and regulations
  • Responding to subpoenas or legal processes
  • Protecting the rights and property of Alliance Reverse Mortgage

4.3 Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of that business transaction. We will provide notice before your personal information is transferred and becomes subject to a different privacy policy.

5. Data Security

We implement robust security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include:

  • Physical Security: Secure facilities and access controls to prevent unauthorized personnel from accessing personal information.
  • Technical Security: Encryption of data both at rest and in transit, firewalls, and secure server configurations.
  • Administrative Security: Policies and procedures governing employee access to personal information, including ongoing training on data protection practices.

Despite our efforts, no method of transmission over the internet or electronic storage is completely secure. We strive to protect your personal information, but we cannot guarantee its absolute security.

6. Your Rights

As a client, you have specific rights regarding your personal information, including:

6.1 Access Rights

You have the right to request access to the personal information we hold about you and understand how we use it.

6.2 Correction Rights

If you believe that any personal information held about you is inaccurate or incomplete, you have the right to request correction of that information.

6.3 Deletion Rights

You have the right to request the deletion of your personal information, subject to our obligations to retain certain information for legal purposes and our legitimate interests.

6.4 Opt-Out Rights

You can opt-out of receiving marketing communications from us by following the unsubscribe instructions included in those communications or by contacting us directly.

6.5 Data Portability

Where applicable, you have the right to receive your personal data in a structured, commonly used, and machine-readable format and to request that we transmit that data to another organization when feasible.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to monitor activity on our website and store certain information. Cookies are files with small amounts of data that may include a unique identifier. 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 website.

8. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on our website with a revised effective date. We encourage you to review this policy regularly to stay informed about our practices regarding your personal information.

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Alliance Reverse Mortgage
3033 Cleveland Ave. Suite 150
Santa Rosa, CA 95403
707-568-1144