Privacy Policy

This Privacy Notice describes the privacy practices of Aqua Home Loans (“Aqua Home Loans Inc”, “AHL,” “Our”, “Us” or “We”). Aqua Home Loans is committed to maintaining the confidentiality and privacy of your personal information.

This Privacy Notice describes what personal information we collect about you on our websites and mobile application and how we disclose, use, share and protect your personal information and how we collect personal information from you.

Please read this Privacy Notice carefully as it governs how information is collected through & by the Aqua Home Loans Website and Mobile Application (collectively referred to as “the Site”) and how that information may be used and shared. By accessing or using any Aqua Home Loans Site, you agree to the collection, use and disclosure of information in accordance with this Privacy Notice.

SMS opt-in is not shared.

Phone numbers (personal information) collected for SMS consent by Aqua Home Loans will not be shared with third parties or affiliates for marketing purposes.
The types of SMS messages you may receive are informational or related to a specific inquiry or transaction.

How we collect information about you?

We collect information about you that you provide to us directly through the course of providing mortgage and loan origination services and through your use of the Site. For example, we collect information when you:

apply for a mortgage loan,
request assistance,
request information about a product or service we offer,
use our mobile application,
respond to surveys, and/or
when you otherwise communicate with Us.

Occasionally we gather additional necessary information from public records, credit bureaus, or third parties. We may also collect personal information about you from the following categories of sources:

advertising networks,
internet service providers,
data analytics providers,
government entities,
operating systems and platforms,
social networks, and
data brokers.

We also collect information about you through your computer or mobile device by the use of cookies and similar tracking technologies.

What information do we collect?

We collect both non-personally identifiable information and personal information. This includes, but is not limited to, the following:

Contact Information such as first and last name, property and/or mailing address, email address and phone number.
Personal Information which may include: account log-in, Social Security number, state identification card, or passport number, driver’s license number, credit card number, and geolocation data.
Mortgage Application Information such as credit and financial information (e.g., income, assets), homeownership status, professional, educational and employment related information, age, location and approximate value of your property, records of loan products or services purchased, obtained, or considered and insurance information.
Device/Online Mobile Activity Data such as network activity information, including, but not limited to, Internet Protocol (IP) address, browsing history, search history, and information regarding a consumer’s interaction with the Site or advertisements.
Communications Data like audio (e.g., call recordings), electronic (e.g., online chat messages), visual, or similar information.
Demographic Information such as race, ethnicity and sex that is gathered pursuant to Federal law.

How do we use the information we collect?

We use personally identifiable and non-personally identifiable information that we collect from you to:

Deliver products and services to you, including assisting with maintaining or servicing your account, processing, or fulfilling orders and transactions, verifying customer information, processing payments and providing financing.
Respond to your inquiries, requests, or other service-related purposes.
Communicate with you to administer the Site, including notifying you about any updates, changes, or additions to this Privacy Notice.
Personalize your digital and mobile application experience with us by enhancing the content of the Site to your preferences or developing new products or services based on your interactions with the Site.
Provide you with information about products or services that we think may be of interest to you.
Comply with legal and regulatory obligations.
Carry out any specific purposes for which we have obtained your prior consent.
Conduct any other legitimate business activities not otherwise prohibited by law.

We may also use your information for business purposes such as:

Monitor and analyze trends, usage and activities in connection with your use of the Site.
Help ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for these purposes.
Provide, maintain and develop new products, services and features, including debugging to identify and repair errors that impair existing intended functionality.
Detect and prevent fraud, identity theft and other risks to you or Aqua Home Loans.
Undertake internal research for technological development and demonstration.
Commercial purposes such as marketing products and services that may be of interest to you.

How do we share your information?

We may share the information we collect about you with affiliates and non-affiliated third parties in the following situations:

Service Providers – other companies that perform functions on our behalf.
Government entities and others for legal or necessary purposes –

to protect or enforce our rights or property;
to protect your safety or the safety of others;
to investigate, prevent, or take action against fraud or other illegal activities;
in response to a legal process or as otherwise required by law; or
in the event Aqua Home Loans experiences a business transition or conducts a corporate transaction requiring due diligence, such as a merger, capital investment, acquisition by another company or sale of all or a portion of its assets.

Credit Reporting Agencies (commonly known as “Credit Bureaus”) such as Experian, Transunion, and Equifax, to furnish information about your account or learn about your financial history and for other lawful purposes.
To conduct any other legitimate business activities not otherwise prohibited by law with advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, and data brokers.

Notwithstanding anything else in the Privacy Notice, we may disclose aggregate or non-personally identifying information about the users of our Site with third parties for marketing, advertising, research, or other business purposes.

We retain all information in-house except when required to disclose it to our business partners when necessary for lending and/or servicing purposes. Such partners include title and escrow companies and appraisal services

How to limit sharing

When you apply for a mortgage loan from us, you have choices regarding the sharing of some personal information, and that notice is provided to you at the time of initial disclosure.

Reasons we can share your personal information
For our everyday business purposes -- to offer our products and services to you/ Does Aqua Home Loans share? YES/ Can you limit this sharing? NO

For our marketing purposes --/ Does Aqua Home Loans share? NO/ Can you limit this sharing? We Don't Share
For joint marketing with other financial companies/ Does Aqua Home Loans share? NO/ Can you limit this sharing? We Don't Share
For our affiliates' everyday business purposes -- information about your transactions and experiences/ Does Aqua Home Loans share? NO/ Can you limit this sharing? We Don't Share
For our affiliates' everyday business purposes -- information about your creditworthiness/ Does Aqua Home Loans share? NO/ Can you limit this sharing? We Don't Share
For our affiliates to market to you/ Does Aqua Home Loans share? NO/ Can you limit this sharing? We Don't Share
For nonaffiliates to market to you such as to process your transactions, maintain your account(s), responds to court orders and legal investigations, or report to credit bureaus/ Does Aqua Home Loans share? NO/ Can you limit this sharing? We Don't Share

Retention of Personal Information

We retain information we collect as described in this Privacy Notice in accordance with applicable law to fulfill the purpose(s) for which it was collected, provide our services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, or to otherwise carry out our legal obligations.

Web Technologies

Aqua Home Loans uses a variety of online tracking technologies to collect information when you visit or use our website or mobile application to improve your experience. These tools include:

Cookies - small text files that websites store on your computer. They are managed by your particular web browser and are typically used to store bits of text. Cookies help us to personalize your experience with our Site and improve your navigation within the Site by tailoring it to your individual preferences. Cookies help you save time if you visit the Site again. For example, if specific programs associated with our Site require a user ID and password, you have the option of requesting that we save that information so that you will not have to re-enter it the next time you access the Site. You can disallow cookies or prevent them from being set by making the appropriate selection from your browser options. However, if you set your browser options to disallow cookies, the functionality of our Site may be limited.
Web Beacons - (also known as pixels, tags or clear GIFs) A code snippet which is loaded when a user visits a website to gather data from or add functionality to a website. Beacons have diverse functions including third-party tracking, analytics, reporting, remarketing, conversion tracking, optimization, session replay, and on-page functionalities like live chat.
Embedded Web links when text is used as the link rather than the actual URL.
Session Replay – Helps us to better understand our users’ needs and to optimize our service and the user experience. Session replay technology allows us to record and replay your navigation, clicks, scrolls, and keystrokes during your visit to our site. This tool collects mouse movements, clicks and scrolls; page navigation, duration of stay on pages; keystrokes (excluding sensitive information such as credit card details, passwords, and other personal data; form submissions (excluding sensitive fields which are automatically excluded from recording).

Website Usage

When you browse or visit our Site, we may collect information about your use of our Site through these technologies. This information could include your browser type and language, access times, and the address of the Site from which you arrived. We may also collect information about your Internet Protocol (IP) address, click stream behavior (e.g., the pages you view, the links you click, and other actions you take).

The information we collect may be used to analyze user behavior and trends; identify usability issues and areas for improvement; enhance the functionality and user-friendliness of our Site; evaluate the effectiveness of our content and features.

We may collect information about your online activities over time and across different Sites when you use our Site.

Online Behavioral Advertising

Third-party advertisers, including Google, may also use cookies to collect non-personally identifiable information from your browser, such as pages you visited, tools you have interacted with, the channel or method in which you arrived on our Site, etc., so that they can tailor the ads you see to your preferences and behaviors. Third-party cookies may also track the number of ad impressions, other uses of ad services, and interactions with these ads.

By continuing to browse on our Site, you are consenting to the use of cookies for personalization and advertising purposes. To learn more about this online advertising or to opt-out of this type of advertising, please click on the following links: http://optout.networkadvertising.org or https://optout.aboutads.info.

For the Mobile App, you can learn more about which third parties have currently enabled cookies for your mobile device and how to opt-out of some of those cookies by accessing the following website at http://www.networkadvertising.org/mobile-choices from your mobile device. On your mobile device you may also select “Limit Ad Tracking” (on iOS devices) or “Opt out of Interest-Based Ads” (on Android).

Disallowing Cookies

For instructions on disallowing cookies for the following web browsers, click the link with the name of your web browser below:

For any other web browsers, please check what settings may be available to you for disallowing cookies.

Even if you disable tracking, keep in mind that you may still receive interest-based advertising, including from third parties with whom your information had been previously disclosed or advertising from third parties that is not based on your behavior, interests, and preferences.

The Site does not respond to browser “Do Not Track” signals.

Linking to other sites

The Site may contain links to third-party websites. Aqua Home Loans disclaims liability for any information, materials, products or services posted or offered at any of the third-party websites linked on the site. By creating a link to a third-party website, Aqua Home Loans does not endorse or recommend any products or services offered or information contained at the website, nor is Aqua Home Loans liable for any failure of products or services offered or advertised at those websites. Aqua Home Loans may remove any third-party link at any time. If you follow links to third-party sites not affiliated with Aqua Home Loans, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Site and be less secure. If you decide to visit a third-party website via a link contained on Aqua Home Loans’s Site, you do so at your risk.

Customer Service

If you have any questions about this Privacy Notice, please contact us at 1-808-270-1111.