Terms of use
KMGReverseMortgage.com (referred to here as "the site") is accessible via the worldwide web to those with an appropriate internet connection. Access to and use of the site are subject to the terms and conditions of this Terms of Use Agreement and Copyright Notice and all applicable laws and regulations, including laws and regulations governing copyright and trademark.
By accessing the site, you accept, without limitation or qualification, all of the terms and conditions in this user agreement. KMG Reverse Mortgage, and its affiliates, subsidiaries, divisions, agents and/or representatives reserve the right to change these terms and conditions at any time. Changes will appear on the site as and when they occur. By using the site, you agree in advance to accept any changes.
Copyright
The materials used and displayed on the site, including but not limited to text, software, photographs, graphics, illustrations and artwork, video, music and sound, and names, logos, trademarks and service marks, are the property of KMG Reverse Mortgage, or its affiliates, and are protected by copyright, trademark and other laws. Any such content may be displayed solely for your personal, non-commercial use. You agree not to modify, reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any such material without the written permission of KMG Reverse Mortgage.
Use of site at your own risk
Your use of the site is at your own risk. Neither KMG Reverse Mortgage, nor any of its subsidiaries, divisions, affiliates, agents or representatives shall be liable to you or anyone else for any loss or injury or any direct, indirect, incidental, consequential, special, punitive or similar damages arising out of your access or use of, or your inability to access or use, the site and the information available on the site, or arising out of any action taken in response to or as a result of any information available on the site. You hereby waive any and all claims against KMG Reverse Mortgage and its subsidiaries, divisions, affiliates, agents and representatives arising out of your use of the service, the site, and the information available on it.
Unauthorized attempts to upload information or change information on the site are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986. For site security purposes, and to ensure that this service remains available to all users, the site employs software to monitor traffic.
Submissions
KMG Reverse Mortgage is pleased to hear from its customers and welcomes your comments regarding products, online services and the site itself. While we value customer feedback on our services and products, we request that you be specific in your comments on services and products.
Links to other websites and services
The site contains links to outside websites, services, organizations, associations and companies that KMG Reverse Mortgage does not control. KMG Reverse Mortgage is not responsible for outside services or resources found through these links. Any concerns regarding linked websites should be directed to that website. We provide these links only to give our customers useful information.
Indemnification
You agree to defend, indemnify and hold KMG Reverse Mortgage harmless from and against any and all claims, damages, costs and expenses, including attorney's fees, arising from or related to your own use of the site.
Governing law
This agreement shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law. If any provision of this agreement is unlawful, void, or for any reason unenforceable, that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein and shall not be modified except in writing, signed by both parties.
Visitor privacy notice
This privacy notice discloses the privacy practices for KMG Reverse Mortgage and applies solely to information collected by this website. It will notify you of the following:
- What personally identifiable information is collected from you through the website, how it is used, and with whom it may be shared.
- What choices are available to you regarding the use of your data.
- The security procedures in place to protect against misuse of your information.
- How you can correct any inaccuracies in the information.
Information collection, use, and sharing
We are the sole users of the information collected on this site. We only have access to and collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.
We will use your information to respond to you regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request.
Unless you ask us not to, we may contact you via email in the future to tell you about changes to this privacy policy.
Your access to and control over information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:
- See what data we have about you, if any, and change or correct it.
- Have us delete any data we have about you.
- Express any concern you have about our use of your data.
Security
We take precautions to protect your information. When you submit sensitive information via the website, that information is protected both online and offline. Wherever we collect sensitive information (such as credit card data), it is encrypted and transmitted to us securely. You can verify this by looking for a closed lock icon at the bottom of your browser, or "https" at the beginning of the page address.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only staff who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers and servers where we store personally identifiable information are kept in a secure environment.