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THIS PRIVACY POLICY

The Website located at www.reversemortgagesmichigan.com (the “Website”). This privacy policy describes David Blatt, Reverse Mortgages of Michigan’s current policies and practices with regard to personal data collected by David Blatt, Reverse Mortgages of Michigan through the Website. This privacy policy is independent of David Blatt, Reverse Mortgages of Michigan’s offline personal data collection practices. This privacy policy forms part of the David Blatt, Reverse Mortgages of Michigan Terms and Conditions.

NOTIFICATION OF CHANGES TO THIS POLICY

David Blatt, Reverse Mortgages of Michigan is continually improving and adding new functionality and features to its Website and improving and adding to our existing products, services, and programs. Because of these ongoing changes, changes in the law, and the changing nature of technology, David Blatt, Reverse Mortgages of Michigan’s data practices will change from time to time. If and when our data practices change, David Blatt, Reverse Mortgages of Michigan will post the changes on the Website to notify you of the changes. We encourage you to check this page frequently. This policy was last updated on December 28, 2019.

PERSONAL DATA COLLECTED

David Blatt, Reverse Mortgages of Michigan collects information and data when you use the Website. Such information includes Personal Information, Contact Data, Message Data, and Traffic Data (collectively “Customer Information”). “Personal Information” includes your name, address, email address, passwords, home and business address, phone number(s), and other information that may not be publicly available. “Contact Data” includes information developed by you that may be provided to David Blatt, Reverse Mortgages of Michigan to enhance your use of David Blatt, Reverse Mortgages of Michigan products and services. “Message Data” includes any messages sent or received through the Website, information and data about those messages, your account activity, and your log-in, log-out times. “Traffic Data” includes data about the nature of your usage of the Website and products and services and can include: IP addresses, domain servers, referring/exit pages, operating system, date/time stamp, clickstream data, type of computer or mobile phone, type of web browser, one or more cookies that identify your browser, and telecommunications carrier information. 

In connection with your use of the Website, David Blatt, Reverse Mortgages of Michigan may collect: the domain name and/or email address of Website visitors; the email address of users who communicate with David Blatt, Reverse Mortgages of Michigan via the Website or via email; information as to what pages within the Website users access, and for how long the users access or visit such page; information volunteered by the user, such as through registration on the Website, purchases made through the Website, email update requests, and general requests for information; and information about transactions with David Blatt, Reverse Mortgages of Michigan, and third-parties with whom David Blatt, Reverse Mortgages of Michigan affiliates for ticketing, merchandising, and other commercial purposes.

David Blatt, Reverse Mortgages of Michigan honors Do Not Track (“DNT”) signals and does not track, plant cookies, or use advertising when a DNT browser mechanism is in place. David Blatt, Reverse Mortgages of Michigan CANNOT GUARANTEE THE SECURITY OF PERSONAL INFORMATION ACCESSIBLE ON OR TRANSMITTED VIA THE INTERNET.

USE OF CUSTOMER INFORMATION

When you register on the Website or make a purchase transaction on the Website or through a David Blatt, Reverse Mortgages of Michigan ticketing or merchandising partner, your personal information will not be sold, shared, rented or distributed to others, including sponsors, affiliates, and partners (the “Affiliated Parties”). However, there may be some other, limited circumstances in which David Blatt, Reverse Mortgages of Michigan may be required to share or transfer Personal Information in our databases, for example, to comply with a legal requirement, for the administration of justice, to protect your vital interests, or in the event of a corporate sale, merger, reorganization, dissolution, or similar event. David Blatt, Reverse Mortgages of Michigan restricts access to nonpublic Personal Information to those employees and agents who need such information. David Blatt, Reverse Mortgages of Michigan maintains physical, electronic, and procedural safeguards to guard your nonpublic personal information.

David Blatt, Reverse Mortgages of Michigan uses Customer Information to enhance your use of David Blatt, Reverse Mortgages of Michigan services by processing information collected for purposes including, but not limited to: providing information to users about David Blatt, Reverse Mortgages of Michigan products and services; formatting and displaying elements of Contact Data and Message Data to you and those with whom you exchange messages; delivering advertisements and related links; and storing messages.

David Blatt, Reverse Mortgages of Michigan may engage third parties to perform functions on its behalf, including sending of newsletters, postal mail, and email; analyzing and processing data; payment processing; and providing customer service. David Blatt, Reverse Mortgages of Michigan requires that these parties agree to use Personal Information in compliance with this privacy policy, and in accordance with any other appropriate confidentiality and security procedures. These parties may have access to Customer Information needed to perform their functions, but David Blatt, Reverse Mortgages of Michigan will not authorize them to use it for purposes that do not conform to this privacy policy. For more information on third-parties, see Section 8 – Third-Parties below.

If David Blatt, Reverse Mortgages of Michigan intends to use Personal Information for purposes other than those described in this privacy policy, David Blatt, Reverse Mortgages of Michigan will offer you the opportunity to opt-out of such use of your Personal Information for those other purposes. For more information on how to opt-out, see Section 7 – Opt-In/Opt-Out, below. 

ANONYMOUS DATA COLLECTED

In addition to the information, you provide when you use www.reversemortgagesmichigan.com, David Blatt, Reverse Mortgages of Michigan uses technology to collect anonymous information about the use of our Website. For example, we use technology to track how many visitors access our Website, the date and time of their visit, the length of their stay, and which pages they view. We also use technology to determine which web browsers our visitors use and the address from which they accessed our sites (for example, if they connected to the Website by clicking on a banner ad). This technology does not identify you personally. It simply enables us to compile statistics about our visitors and their use of the Website. David Blatt, Reverse Mortgages of Michigan and our Affiliates use this anonymous data and share it with third parties to improve the content and functionality of our Website, to better understand our customers and markets, and to improve our products and services.

COOKIES

A cookie is a small piece of information that is sent to your browser and stored on your computer’s hard drive. Cookies do not damage your computer, and they cannot be used to discover the identity of a user. You can set your browser to notify you when you receive a cookie. This enables you to decide if you want to accept it or not and whether you are required to accept the cookie to view certain content. David Blatt, Reverse Mortgages of Michigan may use cookies to “persist” a user session — that is, to maintain a connection with a user as he or she moves through an application or series of web pages. The purpose of cookies in this context is to remember user inputs. Personalization features also use cookies to identify groups of users and deliver appropriate content and services.

OPT-IN/OPT-OUT

As noted in the Use of Customer Information above, David Blatt, Reverse Mortgages of Michigan will not provide your nonpublic Personal Information to Affiliated Parties unless you have opted in to receive emails from the Affiliated Parties. If at any time, you desire that David Blatt, Reverse Mortgages of Michigan cease providing your nonpublic Personal Information to Affiliated Parties, you may opt-out of those disclosures by directing us not to make those disclosures (other than disclosures permitted by law). If you receive communications from us that you do not want to receive, you may opt-out of receiving these communications by clicking the unsubscribe link in the email or emailing us at letha@reversemortgagesmichigan.com. Occasionally it is necessary to send out a service-related announcement. Generally, users may not opt-out of these communications. These communications are not promotional in nature.

THIRD-PARTIES

David Blatt, Reverse Mortgages of Michigan may share aggregated information about our users with advertisers, business partners, sponsors, and other third-parties, though such summary information will not identify any specifics related to you. We may use the Personal Information you provide to administer Website usage and monitor traffic-levels, and to contact you regarding improvements we can make to our Website and our services, if necessary. David Blatt, Reverse Mortgages of Michigan may engage third parties to perform functions on its behalf, such as sending newsletters, postal mail and e-mail, analyzing and processing data, payment processing, and providing customer service. David Blatt, Reverse Mortgages of Michigan requires that these parties agree to use Personal Information in compliance with this privacy policy, and in accordance with any other appropriate confidentiality and security procedures. These parties may have access to Customer Information needed to perform their functions, but David Blatt, Reverse Mortgages of Michigan will not authorize them to use it for purposes that do not conform to this privacy policy. David Blatt, Reverse Mortgages of Michigan will apply the Opt-In/Opt-Out policies discussed above in the event we propose to disclose your information to a third-party.

David Blatt, Reverse Mortgages of Michigan does not disclose personal information to third parties, except when one or more of the following conditions is true:

David Blatt, Reverse Mortgages of Michigan has the individual’s permission to make the disclosure;

The disclosure is permitted by law or mandatory professional standards;

The disclosure is reasonably related to the sale or other disposition of all or part of David Blatt, Reverse Mortgages of Michigan’s business or assets or in connection with a corporate merger, consolidation, or other corporate reorganization;

The personal information to be disclosed is publicly available;

The party to whom the disclosure is made controls, is controlled by, or is under common control with David Blatt, Reverse Mortgages of Michigan;

The disclosure is reasonably necessary for the establishment or maintenance of legal claims;

The disclosure is to persons or entities for whom David Blatt, Reverse Mortgages of Michigan is providing or receiving services, provided the disclosure is consistent with the purpose for which the personal information was obtained;

David Blatt, Reverse Mortgages of Michigan may share with third-parties certain aggregated, non-personal information and Traffic Data, but such information will not identify you individually;

David Blatt, Reverse Mortgages of Michigan may share Customer Information when legally required to do so or at the request of governmental authorities conducting an investigation; or

David Blatt, Reverse Mortgages of Michigan may share your Customer Information with a third-party if you have consented to receive information from that third-party through registration from a co-branded version of the David Blatt, Reverse Mortgages of Michigan service operated with a third-party or through a communication or promotional program of a third-party that is enabled by the David Blatt, Reverse Mortgages of Michigan Service. Such third-parties will handle, store, retain, and access such user information in accordance with the terms and conditions of their agreements with you, if any, as well as their own privacy policies. It is your responsibility to carefully review such agreements and privacy policies. You acknowledge that David Blatt, Reverse Mortgages of Michigan shall have no liability to you for sharing of such information to such third-parties and David Blatt, Reverse Mortgages of Michigan disclaims any and all liability relating thereto.

LINK TO OTHER SITES

This privacy policy applies only to David Blatt, Reverse Mortgages of Michigan’s Website at www.reversemortgagesmichigan.com and all other David Blatt, Reverse Mortgages of Michigan shopping outlets, and our Affiliates operate other websites for different purposes and in different countries where different laws may apply. If you visit the David Blatt, Reverse Mortgages of Michigan Website, including www.reversemortgagesmichigan.com, please take a moment to review the privacy policy posted on that site to learn what personal data may be collected through that website and how it is processed. The David Blatt, Reverse Mortgages of Michigan Website contains hyperlinks to websites that are not operated by David Blatt, Reverse Mortgages of Michigan or our Affiliates. These hyperlinks are provided for your reference and convenience only and do not imply any endorsement of the activities of these third-party websites or any association with their operators. David Blatt, Reverse Mortgages of Michigan does not control these websites, and is not responsible for their data practices. We urge you to review the privacy policy posted on any website you visit before using the website or providing any personal data about yourself.

CONSENT TO BE CONTACTED

By submitting the contact form, I agree by electronic signature to: (1) be contacted about David Blatt, Reverse Mortgages of Michigan by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use. 

SMS/MMS Marketing

You must be 13 years or older to receive/send text messages in affiliation with this David Blatt, Reverse Mortgages of Michigan. If you choose to opt-in to “SMS/Text Marketing” you certify that you are at least 13 years of age. We respect your privacy. We will only use the information to send you marketing messages. This includes, but is not limited to, sharing information with platform providers, phone companies, and other vendors who assist us in the delivery of mobile messages. WE DO NOT SELL, RENT, LOAN, TRADE, LEASE, OR OTHERWISE TRANSFER FOR PROFIT ANY PHONE NUMBERS OR CUSTOMER INFORMATION COLLECTED THROUGH THE PROGRAM TO ANY THIRD PARTY. Nonetheless, We reserve the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect Our rights or property. When you complete forms online or otherwise provide Us information in connection with the Program, you agree to provide accurate, complete, and true information. You agree not to use a false or misleading name or a name that you are not authorized to use. If, in Our sole discretion, We believe that any such information is untrue, inaccurate, or incomplete, or you have opted into the Program for an ulterior purpose, We may refuse you access to the Program and pursue any appropriate legal remedies.

GOVERNING LAW

This privacy policy forms part of our Website Terms and Conditions and as such shall be governed by and construed in accordance with the laws of the State of Michigan.

QUESTIONS ABOUT OUR PRIVACY POLICY

If you have any questions about this privacy policy or concerns about the way David Blatt, Reverse Mortgages of Michigan processes your personal data, please contact us at support@reversemortgagesmichigan.com.

ARBITRATION AGREEMENT

You and David Blatt, Reverse Mortgages of Michigan agree that we will resolve any disputes between us through binding and final arbitration instead of through court proceedings. All controversies, claims, counterclaims, or other disputes arising between you and David Blatt, Reverse Mortgages of Michigan relating to the Site, Contest Rules, and Terms of Use (each a “Claim”) shall be submitted for binding arbitration in accordance with the Rules of the American Arbitration Association (“AAA Rules”). The arbitration will be heard and determined by a single arbitrator. The arbitrator’s decision in any such arbitration will be final and binding upon the parties and may be enforced in any court of competent jurisdiction. The parties agree that the arbitration will be kept confidential and that the existence of the proceeding and any element of it (including, without limitation, any pleadings, briefs, documents, or other evidence submitted or exchanged and any testimony or other oral submissions and awards) will not be disclosed beyond the arbitration proceedings, except as may lawfully be required in judicial proceedings relating to the arbitration or by applicable disclosure rules and regulations of securities regulatory authorities or other governmental agencies.

If you demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, David Blatt, Reverse Mortgages of Michigan will pay as much of the administrative costs and arbitrator’s fees required for the arbitration as the arbitrator deems necessary to prevent the cost of the arbitration from being prohibitive. In the final award, the arbitrator may apportion the costs of arbitration and the compensation of the arbitrator among the parties in such amounts as the arbitrator deems appropriate.

This arbitration agreement does not preclude you from seeking action by federal, state, or local government agencies. You and David Blatt, Reverse Mortgages of Michigan also have the right to bring qualifying claims in small claims court. In addition, you and David Blatt, Reverse Mortgages of Michigan retain the right to apply to any court of competent jurisdiction for provisional relief, including pre-arbitral attachments or preliminary injunctions, and any such request shall not be deemed incompatible with these Terms of Use, nor a waiver of the right to have disputes submitted to arbitration as provided herein.

Neither you nor David Blatt, Reverse Mortgages of Michigan may act as a class representative or private attorney general, nor participate as a member of a class of claimants, with respect to any Claim. Claims may not be arbitrated on a class or representative basis. The arbitrator can decide only your and/or David Blatt, Reverse Mortgages of Michigan’s individual Claims. The arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated. This Section will survive the termination of your relationship with David Blatt, Reverse Mortgages of Michigan THIS SECTION LIMITS CERTAIN RIGHTS, INCLUDING THE RIGHT TO MAINTAIN A COURT ACTION, THE RIGHT TO PARTICIPATE IN ANY FORM OF CLASS OR REPRESENTATIVE CLAIM, THE RIGHT TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED IN AAA RULES, AND THE RIGHT TO CERTAIN REMEDIES AND FORMS OF RELIEF. OTHER RIGHTS THAT YOU OR David Blatt, Reverse Mortgages of Michigan WOULD HAVE IN COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.

If you would like us to permanently remove your data, please contact david@reversemortgagesmichigan.com