Privacy Policy for Island Mortgage, Inc.

Last updated: August 23, 2024

This  Privacy Policy describes Our policies and procedures on the   collection, use and disclosure of Your information when You use the   Service and tells You about Your privacy rights and how the law  protects  You.

We use Your Personal  data to provide and improve the Service. By  using the Service, You  agree to the collection and use of information in  accordance with this  Privacy Policy. This Privacy Policy has been  created with the help of  the Privacy Policy Generator.

The  words of which the initial letter is capitalized have meanings  defined  under the following conditions. The following definitions shall  have  the same meaning regardless of whether they appear in singular or  in  plural.

For the purposes of this Privacy Policy:

• Account means a unique account created for You to access our Service or parts of our Service.
   
• Affiliate means an entity that controls, is  controlled by or is under common  control with a party, where "control"  means ownership of 50% or more of  the shares, equity interest or other  securities entitled to vote for  election of directors or other managing  authority.
   
• Company (referred to as either "the Company", "We",  "Us" or "Our" in this  Agreement) refers to Island Mortgage, Inc., 4657  Central Ave St.  Petersburg, FL 33711.
   
• Cookies are small files that are placed on Your  computer, mobile device or any  other device by a website, containing the  details of Your browsing  history on that website among its many uses.
   
• Country refers to: Florida, United States
   
• Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
   
• Personal Data is any information that relates to an identified or identifiable individual.
   
• Service refers to the Website.
   
• Service Provider means any natural or legal person  who processes the data on behalf of  the Company. It refers to  third-party companies or individuals employed  by the Company to  facilitate the Service, to provide the Service on  behalf of the Company,  to perform services related to the Service or to  assist the Company in  analyzing how the Service is used.
   
• Usage Data refers to data collected automatically,  either generated by the use of  the Service or from the Service  infrastructure itself (for example,  the duration of a page visit).
   
• Website refers to Island Mortgage, Inc., accessible from https://islandmtg.com/
   
• You means the individual accessing or using the  Service, or the company,  or other legal entity on behalf of which such  individual is accessing  or using the Service, as applicable.
   

While  using Our Service, We may ask You to provide Us with certain   personally identifiable information that can be used to contact or   identify You. Personally identifiable information may include, but is   not limited to:

• Email address
   
• First name and last name
   
• Phone number
   
• Address, State, Province, ZIP/Postal code, City
   
• Usage Data
   

Usage Data is collected automatically when using the Service.

Usage  Data may include information such as Your Device's Internet  Protocol  address (e.g. IP address), browser type, browser version, the  pages of  our Service that You visit, the time and date of Your visit,  the time  spent on those pages, unique device identifiers and other  diagnostic  data.

When You access the Service by  or through a mobile device, We may  collect certain information  automatically, including, but not limited  to, the type of mobile device  You use, Your mobile device unique ID, the  IP address of Your mobile  device, Your mobile operating system, the  type of mobile Internet  browser You use, unique device identifiers and  other diagnostic data.

We  may also collect information that Your browser sends whenever You   visit our Service or when You access the Service by or through a mobile   device.

We  use Cookies and similar tracking technologies to track the  activity on  Our Service and store certain information. Tracking  technologies used  are beacons, tags, and scripts to collect and track  information and to  improve and analyze Our Service. The technologies We  use may include:

• Cookies or Browser Cookies. A cookie is a small  file placed on Your Device. 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 parts of our  Service. Unless you have adjusted Your browser  setting so that it will  refuse Cookies, our Service may use Cookies.
• Web Beacons. Certain sections of our Service and  our emails may contain small  electronic files known as web beacons (also  referred to as clear gifs,  pixel tags, and single-pixel gifs) that  permit the Company, for  example, to count users who have visited those  pages or opened an email  and for other related website statistics (for  example, recording the  popularity of a certain section and verifying  system and server  integrity).

Cookies can be "Persistent" or  "Session" Cookies. Persistent Cookies  remain on Your personal computer  or mobile device when You go offline,  while Session Cookies are deleted  as soon as You close Your web browser.  Learn more about cookies on the  Privacy Policies website article.

We use both Session and Persistent Cookies for the purposes set out below:

• Necessary / Essential Cookies
  Type: Session Cookies
  Administered by: Us
  Purpose: These Cookies are essential to provide You with services   available through the Website and to enable You to use some of its   features. They help to authenticate users and prevent fraudulent use of   user accounts. Without these Cookies, the services that You have asked   for cannot be provided, and We only use these Cookies to provide You   with those services.
   
• Cookies Policy / Notice Acceptance Cookies
  Type: Persistent Cookies
  Administered by: Us
  Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
   
• Functionality Cookies
  Type: Persistent Cookies
  Administered by: Us
  Purpose: These Cookies allow us to remember choices You make when You   use the Website, such as remembering your login details or language   preference. The purpose of these Cookies is to provide You with a more   personal experience and to avoid You having to re-enter your  preferences  every time You use the Website.
   

For more information about the  cookies we use and your choices  regarding cookies, please visit our  Cookies Policy or the Cookies  section of our Privacy Policy.

The Company may use Personal Data for the following purposes:

• To provide and maintain our Service, including to monitor the usage of our Service.
   
• To manage Your Account: to manage Your registration  as a user of the Service. The Personal  Data You provide can give You  access to different functionalities of  the Service that are available to  You as a registered user.
   
• For the performance of a contract: the development,  compliance and undertaking of the purchase contract  for the products,  items or services You have purchased or of any other  contract with Us  through the Service.
   
• To contact You: To contact You by email, telephone  calls, SMS, or other equivalent  forms of electronic communication, such  as a mobile application's push  notifications regarding updates or  informative communications related  to the functionalities, products or  contracted services, including the  security updates, when necessary or  reasonable for their  implementation.
   
• To provide You with news, special offers and general  information about other goods,  services and events which we offer that  are similar to those that you  have already purchased or enquired about  unless You have opted not to  receive such information.
   
• To manage Your requests: To attend and manage Your requests to Us.
   
• For business transfers: We may use Your information  to evaluate or conduct a merger,  divestiture, restructuring,  reorganization, dissolution, or other sale  or transfer of some or all of  Our assets, whether as a going concern or  as part of bankruptcy,  liquidation, or similar proceeding, in which  Personal Data held by Us  about our Service users is among the assets  transferred.
   
• For other purposes:  We may use Your information for  other purposes, such as data analysis,  identifying usage trends,  determining the effectiveness of our  promotional campaigns and to  evaluate and improve our Service,  products, services, marketing and your  experience.
   

We may share Your personal information in the following situations:

• With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
• For business transfers: We may share or transfer  Your personal information in connection with,  or during negotiations of,  any merger, sale of Company assets,  financing, or acquisition of all or  a portion of Our business to  another company.
• With Affiliates: We may share Your information with  Our affiliates, in which case we  will require those affiliates to honor  this Privacy Policy. Affiliates  include Our parent company and any  other subsidiaries, joint venture  partners or other companies that We  control or that are under common  control with Us.
• With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
• With other users: when You share personal  information or otherwise interact in the  public areas with other users,  such information may be viewed by all  users and may be publicly  distributed outside.
• With Your consent: We may disclose Your personal information for any other purpose with Your consent.

The  Company will retain Your Personal Data only for as long as is   necessary for the purposes set out in this Privacy Policy. We will   retain and use Your Personal Data to the extent necessary to comply  with  our legal obligations (for example, if we are required to retain  your  data to comply with applicable laws), resolve disputes, and  enforce our  legal agreements and policies.

The  Company will also retain Usage Data for internal analysis  purposes.  Usage Data is generally retained for a shorter period of time,  except  when this data is used to strengthen the security or to improve  the  functionality of Our Service, or We are legally obligated to retain   this data for longer time periods.

Your  information, including Personal Data, is processed at the  Company's  operating offices and in any other places where the parties  involved in  the processing are located. It means that this information  may be  transferred to — and maintained on — computers located outside of  Your  state, province, country or other governmental jurisdiction where  the  data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The  Company will take all steps reasonably necessary to ensure that  Your  data is treated securely and in accordance with this Privacy Policy  and  no transfer of Your Personal Data will take place to an  organization  or a country unless there are adequate controls in place  including the  security of Your data and other personal information.

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.

Our Service may give You the ability to delete certain information about You from within the Service.

You  may update, amend, or delete Your information at any time by  signing  in to Your Account, if you have one, and visiting the account  settings  section that allows you to manage Your personal information.  You may  also contact Us to request access to, correct, or delete any  personal  information that You have provided to Us.

Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.

If  the Company is involved in a merger, acquisition or asset sale,  Your  Personal Data may be transferred. We will provide notice before  Your  Personal Data is transferred and becomes subject to a different  Privacy  Policy.

Under  certain circumstances, the Company may be required to disclose  Your  Personal Data if required to do so by law or in response to valid   requests by public authorities (e.g. a court or a government agency).

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the Company
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability

The  security of Your Personal Data is important to Us, but remember  that  no method of transmission over the Internet, or method of  electronic  storage is 100% secure. While We strive to use commercially  acceptable  means to protect Your Personal Data, We cannot guarantee its  absolute  security.

Our  Service does not address anyone under the age of 13. We do not   knowingly collect personally identifiable information from anyone under   the age of 13. If You are a parent or guardian and You are aware that   Your child has provided Us with Personal Data, please contact Us. If We   become aware that We have collected Personal Data from anyone under  the  age of 13 without verification of parental consent, We take steps  to  remove that information from Our servers.

If  We need to rely on consent as a legal basis for processing Your   information and Your country requires consent from a parent, We may   require Your parent's consent before We collect and use that   information.

Our  Service may contain links to other websites that are not operated  by  Us. If You click on a third party link, You will be directed to that   third party's site. We strongly advise You to review the Privacy Policy   of every site You visit.

We have  no control over and assume no responsibility for the content,  privacy  policies or practices of any third party sites or services.

We  may update Our Privacy Policy from time to time. We will notify  You of  any changes by posting the new Privacy Policy on this page.

We  will let You know via email and/or a prominent notice on Our  Service,  prior to the change becoming effective and update the "Last  updated"  date at the top of this Privacy Policy.

You  are advised to review this Privacy Policy periodically for any   changes. Changes to this Privacy Policy are effective when they are   posted on this page.

If you have any questions about this Privacy Policy, You can contact us:

• By email: mike@islandmtg.com
   
• By phone number: 7273923901