Privacy Policy

PRIVACY POLICY
At Aqua Home Loans, we take the confidence of our customers seriously. Protecting our customers’ privacy is a top priority. As such, we have adopted the following privacy principles:

How Consumer Information is Used, Collected, and Shared
SMS opt-in and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes.

Information We Collect

We maintain electronic, physical, and procedural safeguards designed to protect your personal information. We gather nonpublic personal information about our customers and clients as may be necessary to conduct business with our customers. We do not disclose any nonpublic information about our former customers or current customers to any third party, except as permitted by law. Nonpublic personal information about you is collected from the following sources:

• Information we receive from you on forms or applications, in face-to-face meetings or over the telephone, and via the Internet. Examples of information we receive from you include your name, telephone number, social address, credit history, security number, and other financial information.
• Information about your past and current transactions with us or others. Examples of information relating to your transactions include account balances, payment histories, and account activity.
• Information we receive from a consumer reporting agency when running credit. Examples of information from consumer reporting agencies include your credit reports, your credit score, and other information relating to your creditworthiness
• From employers and others to verify information you have given to us. Examples of information provided by employers and others include income, verification of employment, or deposits.

Information We Disclose

• For the purpose of providing you with our response to your query, your personal information will be retained and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.
• The visitor is providing explicit consent to transmission of data collected on the website by submitting data on our website.
• We treat data as confidential within our firm and require strict adherence of all our employees to our confidentiality policies and data protection.
• All visitors should be aware that our website could contain links to other sites that are not governed by this or any other privacy statement.

Your Comments and Concerns

• This website is operated by Aqua Home Loans, 145 N Kihei Rd Ste 5, Kihei, HI 96753.
• All other comments, feedback, requests for technical support and other communications relating to this Website should be directed to:  Team@AquaHL.com.

CHANGES TO THIS POLICY

• This policy is effective August 4, 2025. We reserve the right to alter this privacy policy statement at our discretion. Any change to this policy statement will be posted on our web site in a timely manner.

Thank you for visiting this Website.

SMS Terms and Conditions

SMS Consent Communication:
The information "Phone Numbers" obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

Types of SMS Communications:
If you have consented to receive text messages from Aqua Home Loans, you may receive messages related to the following:

Conversational Messages external and internal Example: "Hello, this is a friendly reminder of your upcoming appointment with Raven Hartog-Hall at 145 N Kihei Rd Ste 5, Kihei, HI 96753 on August 4th at 10am. Reply STOP to opt out of SMS messaging at any time."

Message Frequency:
Message frequency may vary depending on the type of communication. For example, you may receive up to 20 SMS messages per week related to your request.

Example:
"Message frequency may vary. You may receive up to 6 SMS messages per week regarding your appointments or account status."

Potential Fees for SMS Messaging:
Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

Opt-In Method:
You may opt-in to receive SMS messages from Aqua Home Loans in the following ways:

• By submitting an online form: https://aquahl.com/c/contact

Opt-Out Method:
You can opt-out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, message and data rates may apply, Messages frequency may vary, you can contact us directly to request removal from our messaging list.

Help:
We are Aqua Home Loans. Need help? Text HELP for assistance. You can also contact us at Phone: (808) 270-1111 https://aquahl.com/c/contact If you do not wish to receive SMS messages, simply leave the SMS consent box unchecked on your intake forms.

Additional Options:

• If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

Standard Messaging Disclosures:

• Message and data rates may apply.
• You can opt out at any time by texting "STOP."
• For assistance, text "HELP" or visit our https://aquahl.com/c/PrivacySMS and https://aquahl.com/c/Terms_Use pages.