You are a valued client and we at Hawaii Discount Mortgage, Inc. strongly believe in protecting the confidentiality and security of the information we collect about you as a client, potential client or former client.  We have adopted the following policies and procedures to safeguard the personal information about you in our possession.

Our Privacy Pledge

• We do not sell or rent client information
• We share client information with certain employees and with companies providing services on our behalf in order to service your needs
• Our privacy policy applies to potential clients as well as current and former clients

Information we collect about you

     We collect information about you to help us serve your financial needs, to provide you with quality products and services and to fulfill legal and regulatory requirements.  We consider all information about you in our possession to be personal information, even if you cease to be a client.  The personal information we collect about you may include:

• Identifying information, such as your name, age, address, phone number and social security number
• Employment information
• Financial information such as your income, assets and liabilities, as well as information about your savings, investments, insurance and business

     Typically, we collect this information on applications and other forms you complete, through conversations you may have with our mortgage advisors, with our other representatives, and in some cases, via our website.  We may also collect information from a wide range of other sources in order to process your loan.  These sources may include employers, banks, title insurers, insurance companies and credit reporting agencies.

Sharing information with companies that provide services for us

     We share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day-to-day operations of our company in the administration and processing of your loan.  These third parties include title companies, appraisers, insurance companies, underwriting services and processing services.  We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.