Privacy Policy

Last updated: August 6, 2025

This Privacy Policy outlines how Reverse Financial, operated by Brian Bailey in partnership with Patriot Pacific Financial Corp, manages the collection, use, and disclosure of your information when you use our Service at www.reversefinancial.com, and highlights your privacy rights under applicable laws, including the California Consumer Privacy Act (CCPA/CPRA).

By engaging with the Service, you consent to the collection and use of information as detailed in this Privacy Policy. Reverse Financial serves as the primary interface for users, while Patriot Pacific Financial Corp, a licensed mortgage provider, processes certain financial transactions and data as described below.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using our Service, Reverse Financial or Patriot Pacific Financial Corp may request personally identifiable information to contact or identify you, including:

• Email address

• First name and last name

• Phone number

• Address, State, Province, ZIP/Postal code, City

• Financial information (e.g., loan application details, processed by Patriot Pacific Financial Corp)

Usage Data

Usage Data is gathered automatically during Service use, including your Device’s Internet Protocol address (e.g., IP address), browser type, visited pages, visit times, and unique device identifiers.

When accessing via a mobile device, Reverse Financial may collect device type, unique ID, IP address, operating system, browser type, and diagnostic data automatically.

SMS Policy

By providing your phone number and opting into text messages, you agree to receive communications from Reverse Financial or Patriot Pacific Financial Corp:

• Purpose of SMS: Updates on accounts, reverse mortgage processes, and service-related communications.

• Frequency: Varies based on account activity or user preferences.

• Opt-Out: Reply “STOP” or contact info@reversefinancial.com to unsubscribe. Message/data rates may apply.

• Third-Party Services: We use compliant platforms like Twilio or MessageBird for SMS, adhering to TCPA (Telephone Consumer Protection Act) guidelines.

• Confidentiality: SMS is not fully secure; avoid sending sensitive data (e.g., Social Security numbers).

Tracking Technologies and Cookies

Reverse Financial employs Cookies and tracking technologies (beacons, tags, scripts) to monitor activity and improve our Service, including:

• Cookies/Browser Cookies: Small files on your Device. You can refuse them, but some features may not work.

• Web Beacons: Small files in emails or sections to track user engagement and site analytics.

Cookies can be Persistent (stay after offline) or Session (delete on browser close). We use:

• Necessary/Essential Cookies (Session): Enable core services and security.

• Cookies Policy Acceptance Cookies (Persistent): Track cookie consent.

• Functionality Cookies (Persistent): Remember login or language preferences.

• Tracking and Performance Cookies (Persistent, Third-Party): Analyze traffic and test new features via Google Analytics and AdRoll.

See our separate Cookies Policy at www.reversefinancial.com/cookies-policy for details.

Use of Your Personal Data

Reverse Financial and Patriot Pacific Financial Corp may use Personal Data to:

• Provide and maintain the Service, including reverse mortgage consultations and loan processing.

• Manage your account and registration as a user.

• Fulfill contract obligations for services (e.g., loans processed by Patriot Pacific Financial Corp).

• Contact you via email, phone, SMS, or app notifications for updates, reverse mortgage offers, or promotions (unless opted out).

• Handle your inquiries and requests.

• Deliver targeted ads based on your interests in reverse mortgages or financial planning.

• Support business transfers (e.g., mergers, acquisitions).

• Conduct data analysis to improve our Service and user experience.

We may share your data with:

• Service Providers (e.g., Google Analytics, AdRoll, Twilio) for analytics, advertising, and SMS services.

• Affiliates of Patriot Pacific Financial Corp, requiring adherence to this Policy.

• Business partners for reverse mortgage-related promotions.

• Other users in public interactions, with your consent (e.g., testimonials).

Retention of Your Personal Data

Reverse Financial and Patriot Pacific Financial Corp retain your Personal Data only as needed for the purposes outlined, complying with legal obligations (e.g., mortgage licensing requirements), resolving disputes, or enforcing agreements. Usage Data is kept for internal analysis, longer if required for security or legal compliance.

Transfer of Your Personal Data

Your data is processed at our operating offices and may be stored outside your jurisdiction (e.g., by Patriot Pacific Financial Corp for loan processing). Your use of the Service indicates acceptance of this transfer, with industry-standard security measures in place.

Delete Your Personal Data

You can request deletion or correction of your Personal Data via account settings or by contacting info@reversefinancial.com. Reverse Financial or Patriot Pacific Financial Corp may retain some data for legal reasons (e.g., mortgage compliance records).

Disclosure of Your Personal Data

• Business Transactions: Data may transfer during mergers or acquisitions, with notice provided.

• Law Enforcement: Required by law or valid requests (e.g., mortgage regulatory audits).

• Other Legal Needs: To protect Reverse Financial or Patriot Pacific Financial Corp rights, prevent wrongdoing, or ensure safety.

Security of Your Personal Data

Reverse Financial and Patriot Pacific Financial Corp prioritize your data security using industry-standard encryption and protocols, but we cannot guarantee 100% protection due to Internet risks.

Detailed Information on Processing

Service Providers may access your data per their Privacy Policies. We use:

• Google Analytics: Tracks website traffic; opt-out via browser add-on.

• Behavioral Remarketing: Ads via Google Ads and AdRoll; opt-out via their respective platforms.

• SMS Platforms: Twilio or MessageBird for text communications, compliant with TCPA.

CCPA/CPRA Privacy Notice (California Rights)

For California residents, this supplements our Policy:

• Categories Collected: Identifiers (e.g., name, email), California Customer Records (e.g., phone, financial details), Internet activity, sensitive data (e.g., loan application info).

• Sources: Directly/indirectly from you, automatically, or via Service Providers (e.g., Patriot Pacific Financial Corp for loan data).

• Use: Service operation (e.g., reverse mortgage processing), support, legal compliance, security.

• Disclosure: With Service Providers (e.g., Google, Twilio), affiliates of Patriot Pacific Financial Corp, and partners for promotions.

• Sale: We allow Service Provider use for ads/analytics (Categories A, B, F), deemed a sale under CCPA/CPRA.

Your Rights: Notice, access, opt-out of sales, correction, limit sensitive data use, deletion (with exceptions for mortgage records), non-discrimination. Contact info@reversefinancial.com to exercise rights, providing verifiable details (e.g., name, email). Responses are free within 45-90 days.

Do Not Sell My Personal Information

Opt-out of sales by contacting info@reversefinancial.com. Opt-out cookies apply per browser; adjust mobile settings for ad tracking (e.g., Limit Ad Tracking on iOS).

Limit Use or Disclosure of Sensitive Information

Request limits via info@reversefinancial.com; applies to necessary Service use (e.g., loan processing by Patriot Pacific Financial Corp).

“Do Not Track” and California Rights

Reverse Financial does not respond to Do Not Track signals. California residents can request third-party sharing info or minor data removal via info@reversefinancial.com.

Children’s Privacy

Reverse Financial and Patriot Pacific Financial Corp do not target users under 13 or knowingly collect their data, in compliance with the Children’s Online Privacy Protection Act (COPPA). Contact info@reversefinancial.com if you believe we have such data.

Links to Other Websites

Third-party links on www.reversefinancial.com are not our responsibility; review their privacy policies before engaging.

Changes to This Privacy Policy

Updates are posted at www.reversefinancial.com/privacy-policy, with email or website notice prior to effect. Check regularly for changes.

Contact Us

For questions or to exercise your privacy rights, reach us at:

• By email: info@reversefinancial.com

www.reversefinancial.com is privately maintained by Brian Bailey - NMLS 325344, a licensed mortgage expert, in partnership with Patriot Pacific Financial Corp, a licensed mortgage provider - NMLS 1921615. It is not a government agency. Information is third-party prepared for educational purposes and does not reflect Patriot Pacific Financial Corp views. Loans require approval; terms may change. Consult a tax advisor for deductions.