Lanikai Capital Advisors LLC, its affiliates and subsidiaries (collectively referred to as “Company”, “we”, “us”, “our”, and “LCA”) respect our clients’ and customers’ non-public personal information and are committed to protecting it with the security and integrity to ensure the accuracy of that information.
 

In this Privacy Policy, non-public personal information generally means information and data regarding you that we received in connection with a service or product that we provided and that is not otherwise lawfully available to the general public.

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This document describes the types of information and data we may collect regarding you, observe about you, or that you may provide our website www.lanikaicapitaladvisors.com (our “Website“) use Services, text, email, and other electronic communication between you and our Website. It also describes our practices for gathering, implementing, securing, maintaining, and disclosing that data and information. Our Website was created to inform the site visitors about the Company

and our business purpose real estate mortgage brokerage services, mobile applications, and related services (the “Services”).

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By accessing or using the Website or Services, you consent to this Privacy Policy, which may be modified at any time and without notice to you.  If you do not agree with our policies and practices, your choice is not to use our Website.  Your continued use of this Website after any changes is deemed to be your acceptance of all changes, so pleaser review this document, periodically save a updated copy for your records and check this page or where ever the copy of the Privacy Policy is located periodically.
 

THIRD PARITIES

This Privacy Policy does not apply to data or information collected by any and all third parties, including through any application, services, or content (including advertising) that may link to or be accessible from, through, or on the Website. This Privacy Policy document only applies to our Website, and Services. To know the policies and other terms and conditions of such Third-Party Services please read their policies as they likely differ from our Privacy Policy.

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TYPES OF INFORMATION COLLECTED 

In the process of working with you, we collect information about you from a variety of sources, such as:

• Information we compile about your transactions or experiences with LCA. This may include information such as your credit worthiness, account balances, etc.

• Information we obtain from public sources. This may include information contained in federal, state, and local records such as recorded liens on your property, real estate taxes and assessments, tax liens, etc.

• Information about your visits to our web sites if you voluntarily chooses to provide it. We do not collect personally identifiable non-public personal information about visitors to our web sites unless the visitor voluntarily chooses to provide it, or if comes from third parties or collected in other ways. When you visit our web site we may collect statistical data through the use of “cookies” to collect information that we can measure the use of our site and to assist us in improving our site to provide a more personalized experience. The statistical data can  assist with: 

  • measuring how visitors utilize the website and how many visit the different pages.

  • identifying layout, navigation, and information that might be confusing to visitors, allowing us to make a more user friendly Website.

  • identify what information is most interesting to users.

  • Recognize repeat visitors to the Website.

• Other ways we collect information from you: We collect information from you whenever you provide us with any information about yourself ( such as over a phone call, through electronic communication such as email or SMS, or through any other means), submit a loan documents, subscribe to a podcast, newsletter, respond to social media. Providing your email address is your authorization for us to send you general information or important notification about your account, to send you marketing material, or to request your responses in surveys. If you do not want to receive marketing materials by email, or change your mind, indicate your preference by clicking on the “unsubscribe” link located in the LCA marketing emails. We will continue to notify you by email regarding your account.

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Note: We may also obtain demographic or other information about you that is not assembled for the purpose of determining your eligibility for credit.

We use your non-public personal information only as permitted by law.

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MINORS

None of our Websites nor services are made for persons under the age of 18.  We do not knowingly collect any minor's personal information. We will delete any information we find is collected from a minor. Please contact us at info at (@) lanikaicapitaladvisors.com regarding any information you believe we have about a minor. We will have the information deleted.

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HOW WE USE YOUR INFORMATION

To better design our Website and its contents we use information that we collect about you or that you provide to us, including any personal information:

• To provide you with information and services that you request from us.

• To fulfill any and all other purposes for which you provide it to us.

• To provide you with notices and updates about the services you are receiving.

• To carry out our duties and enforce all of our rights arising from any and all contracts entered into between you and us, for example for collection of payment.

• To be able to notify you regarding any and all changes to our Website or services we offer or provide though it.

• To make it possible to have active and predictive features on our Website.

• To inform you about products, services, and information that may be of interest to you.

• To fulfill any other purpose we may disclose when you provide the information.

• For any other purpose for which you consent.

 

We may also utilize the information we have collected to enable us to share advertisements to our advertisers’ target audiences. Note: we do not release your personal information for these purposes without user consent, however, if you click on, hover, or otherwise interact, with an advertisement, the advertiser may conclude that your action/reaction means you meet its target criteria.

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DISCLOSURE OF INFORMATION

LCA will sometimes disclose your non-public personal information to companies or entities unaffiliated with LCA, as permitted by law. Examples of when this might occur include the following:

• Third party services. We may disclose your non-public information to third parties, contractors and service providers to LCA, such as compliance vendors, mortgage brokers, title companies, appraisers, insurance companies, purchasers of loans, inspectors, and property preservation providers, data storage and imaging companies

• Legal Requirements. We may at instances where the Company is required to disclose your non-public personal information to comply for legal or law enforcement such as with subpoenas, court orders, and legal reporting requirements.

• Business Transfers. We may disclose your non-public personal information for the purpose of a proposed or actual sale or transfer of ownership of your loan to another company. 

• Sale of Business. Non-public personal information could be transferred in the event of a merger, restructuring, reorganization, or other sale or transfer of some or all of Lanikai Capital Advisors LLC’s assets,

• Written Consent. We may also disclose your non-public personal information with your written consent to a third party of your choice. This includes but is not limited including if  you were to give power of attorney or other authorization to someone with the purpose to act on your behalf.

• Fraud Protection. We may disclose your non-public personal information in order to prevent fraud and unauthorized transactions, to investigate cases of suspected fraud, to resolve customer disputes and questions, and as necessary, to LCA’s regulators, attorneys, accountants and auditors.

• Other Purposes. We may also disclose all the non-public personal information we collect, as described above, to contractors or companies that perform joint marketing services on our behalf. We may also disclose such information (other than information regarding California residents and such other states as required by law) to other financial institutions with which we have joint marketing agreements. We require such non-affiliated companies to limit the use of such information solely to the purposes for which such information was provided.

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LCA may also share your non-public personal information with our subsidiaries and affiliates, and/or affiliates and subsidiaries that LCA may have in the future as consistent with our Privacy Policy and as permitted or required by law. For this Privacy Policy Document An affiliate or Subsidiary is a company that we own or control or that owns or controls us.

 

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FOR CALIFORNIA RESIDENTS

California law may provide residents of that state additional rights regarding the use of your personal information. Please review our California Privacy Rights document for more information.

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