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Privacy, Security, and Terms of Use

 

Protecting Your Personal Information

Reverse Mortgage Solutions, Inc. dba Security 1 Lending (RMS/S1L) recognizes the importance of your privacy and protecting your personal information while you are visiting our websites. It is our goal to provide our customers with the opportunity to access and use our products and services in a secure environment.

+ Privacy – Protecting Your Personal Information

WE RECOGNIZE YOUR EXPECTATION OF PRIVACY

We understand that you expect us to maintain proper safeguards to protect your confidential information, and we recognize the need for security in the protection of your privacy. Thus, we have established policies and procedures to prevent misuse of your information.

WE COLLECT, USE, AND RETAIN INFORMATION ABOUT YOU ONLY FOR LEGITIMATE BUSINESS PURPOSES

We gather, use and keep information about you only if required by law, or we believe that the information is necessary to administer our business, and/or to serve your interests by providing you with products, services, and other opportunities. Your information is processed through secured servers certified as such by Verisign, an independent internet security company. We retain any email you send us only until such time as your question has been answered to your satisfaction.

“Cookies” are small files that are stored on your computer. They contain website addresses and codes that your browser sends to websites every time you visit them. We may send cookies to your computer to enhance your online experience, primarily by allowing us to recognize you as a customer or previous visitor and to store your personal preferences.

“Web beacons” are small graphics images, usually invisible, embedded in webpages or emails. We may use web beacons (1) on our websites to track website use; for example, to note how long a webpage was viewed and (2) when we send you HTML emails; for example, to let us know if you received and/or opened the email.

Although cookies and web beacons do not store personally identifiable information, if you choose to provide personally identifiable information through our website, that information can be linked to the technical information stored in cookies and web beacons. You may set your browser to reject cookies from us and/or any other website. In addition, you may set your browser to display HTML emails as text only, which may prevent the use of some web beacons.

Note that some areas of our website may be accessed, now or in the future, only in conjunction with cookies or web beacons; thus, disabling cookies or web beacons might prevent you from accessing content in those areas. Consult the “Help” section of your browser for more information.

Your ongoing use of our website constitutes your acceptance of our Privacy Policy and your acknowledgment of our described use of cookies and web beacons.

WE MAINTAIN ACCURATE INFORMATION

We have procedures in place for maintaining and updating information about our customers in accordance with commercial standards. We provide 800 numbers on all applications and other financial documents used by those visiting our websites, for your convenience. If at any time you would like to change information you have provided to us online, call the number provided on the form or write to us at the address provided to you on the form you sent to us online.

WE HAVE POLICIES AND PROCEDURES LIMITING EMPLOYEE ACCESS TO YOUR PERSONAL INFORMATION

We maintain procedures and security levels to limit employee access to your personally identifiable information to those employees with a business reason for knowing such information. Our employees are trained on customer confidentiality and privacy. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

WE MAINTAIN SECURITY PROCEDURES TO PROTECT YOUR PERSONAL INFORMATION

We maintain appropriate security standards and procedures to protect your personal information from unauthorized access. We periodically upgrade and test these security procedures and safeguards.

WE RESTRICT THE DISCLOSURE OF ACCOUNT INFORMATION

We do not reveal specific information about you or your accounts or other personally identifiable data outside of Security 1 Lending and Reverse Mortgage Solutions, Inc. unless (1) the information is provided to help complete a transaction initiated by you; (2) you request it; (3) the disclosure is required or allowed by law; or (4) you have been informed about the possibility of such disclosure for marketing or similar purposes and we have given you the opportunity to decline.

WE MAINTAIN YOUR PRIVACY IN BUSINESS RELATIONSHIPS WITH THIRD PARTIES

We do not sell personal information to third parties. However, sometimes it is necessary to provide your personably identifiable information to third parties such as vendors or service companies that we hire to assist us in the preparation and handling of your account.

WE DISCLOSE OUR PRIVACY COMMITMENT TO OUR CUSTOMERS

We want our customers to understand our commitment to privacy issues and our use of confidential customer information. Furthermore, we want our customers to feel confident that their privacy is protected.

+ Security

Reverse Mortgage Solutions, Inc. dba Security 1 Lending (RMS/S1L) realizes that product and service design requires a commitment to properly managing the risks associated with today’s electronic world.

SECURE ENVIRONMENT

S1L/RMS’s computer systems do not connect directly to the internet. Any and all online application data must pass through our secure server. The security protocol that is utilized is called Secure Socket Layer (SSL). SSL protects all data transmissions between your PC and our computer. SSL uses authentication and encryption technology developed by RSA Data Security, Inc. This method of cryptography means that your private information cannot be deciphered by unauthorized individuals. Our secure server uses 128 bit encryption, the highest level of encryption currently available.

PASSWORD SECURITY

S1L/RMS recognizes the importance of your privacy and protecting your personal information while you are visiting our websites. To prevent unauthorized use of your information, S1L/RMS has implemented improved security requirements to access your account online. To help protect your loan information, you will be required to change your password every 180 days, your access will be locked after three failed log-in attempts, and you will need to use “strong” passwords. Strong passwords are a mixture of alpha (upper and lower) and numeric characters. Do not use common words found in the dictionary. Use password phrases that you can easily remember, such as using the first character for each word in a phrase along with numeric characters. For example, “Long and complex passwords are safest for me” translates into a password of “Lacpas4m.”

SYSTEM REQUIREMENTS

An outdated or incompatible browser can cause websites to load slowly or display incorrectly. To ensure the best website experience, we designed our websites to support most popular browsers. If your browser version is not up to date, you can install new versions at the links below.

These links will take you out of the S1L/RMS websites. S1L/RMS is not responsible for the content on these websites, and we do not provide or endorse third-party sites’ products, services or other information. S1L/RMS’s Privacy Notice and security practices do not apply to the sites linked below.
Review the privacy and security practices for these sites before downloading.

  • Internet Explorer 8 and higher | To update your browser, click here.
  • Firefox 25.0 and higher | To update your browser, click here.
  • Google Chrome 31 and higher | To update your browser, click here
  • Safari 6.0 and higher | To update your browser, click here.

+ Terms of Use

DEFINITION

Reference to Reverse Mortgage Solutions, Inc. dba Security 1 Lending (RMS/S1L) on this website is used throughout to mean Security 1 Lending and Reverse Mortgage Solutions, Inc. and their subsidiaries.

CONDITIONS OF USE

By using this site, you signify your agreement to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this site. S1L/RMS may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should, therefore, periodically visit this page to review the current terms and conditions to which you are bound.

DISCLAIMER

The materials on this website are provided “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

S1L/RMS does not warrant that the functions contained in the materials will be uninterrupted or error free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. S1L/RMS does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You and not S1L/RMS assume the entire cost of all necessary servicing, repair, or correction. Links to other sites may be available for access through this home page. Such external internet addresses contain information created, published, maintained or otherwise posted by organizations independent of S1L/RMS. S1L/RMS does not endorse, approve or certify any information, product or service referenced or provided at such addresses.

LIMITATION OF LIABILITY

While S1L/RMS uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur. S1L/RMS makes no warranties or representations as to the accuracy of this website. Under no circumstances, including, but not limited to, negligence by act or omission, shall S1L/RMS or any party involved in creating, producing, or delivering this website be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if S1L/RMS or a S1L/RMS authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall S1L/RMS’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing this website.

S1L/RMS assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS

This site is owned and operated by S1L/RMS. Permission is granted to display and navigate around this website with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited.

Except as otherwise permitted by S1L/RMS, no materials from this website or any website owned, operated, licensed or controlled by S1L/RMS may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, re-post, or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without S1L/RMS’s written permission. S1L/RMS neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with S1L/RMS.

JURISDICTIONAL ISSUES

This website is controlled and operated by S1L/RMS from its offices in the state of Arizona, United States of America. S1L/RMS makes no representation that materials on this website are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws. The information contained on this website is not a commitment or offer to make or a solicitation for a loan. No loan is offered or will be made in any jurisdiction in which such offer or solicitation would be unlawful under the applicable mortgage and consumer lending laws of such jurisdiction. Some loan products or programs may not be available in all states. In addition, any other financial services products that may be referred to on this website may be offered and sold only to persons in the United States.

TRADEMARKS/SERVICE MARKS AND COPYRIGHTS

Images displayed on this website are either the property of, or used with permission by, S1L/RMS. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

All trademarks, service marks, trade names, logos, and icons used by any S1L/RMS entity are proprietary to S1L/RMS. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this website without the written permission of S1L/RMS or such third party that may own the trademarks or service marks displayed on this website. Your use of the trademarks or service marks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

Any communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as nonproprietary and will become the property of S1L/RMS. Except for your personal confidential information, such communications or material shall be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, S1L/RMS is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever including, but not limited to, developing and marketing products using such information.

TRADEMARKS/SERVICE MARK NOTICES

Security 1 Lending and Reverse Mortgage Solutions, Inc. and all other trademarks, service marks, trade names and logos used by S1L/RMS are registered trademarks or service marks of S1L/RMS. All information and content including any software programs available on or through the site (“Content”) is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the site for commercial or public purposes.

S1L/RMS is very protective of its trademarks and service marks. If they have not been registered with the United States Patent and Trademark Office, then S1L/RMS has applications pending. All use of these marks must be with our permission. S1L/RMS will file appropriate legal actions to enjoin the unauthorized use of these marks. Under the law, S1L/RMS would be entitled to collect your profits, our actual damages and, perhaps, including our attorney fees.