Terms & Conditions
These terms and conditions outline the rules and regulations for the use of Island Home Loans, Inc.’s Website, located at https://islandhomeloans.com/.
By accessing this website, we assume you accept these terms and conditions. Do not continue to use Island Home Loans if you do not agree to take all of the terms and conditions stated on this page.
The following terminology applies to these Terms and Conditions, Privacy Statement, and Disclaimer Notice, as well as all Agreements: “Client,” “You,” and “Your” refer to you, the person logging onto this website and complying with the Company’s terms and conditions. “The Company,” “Ourselves,” “We,” “Our,” and “Us” refer to our Company, Island Home Loans, Inc. “Party,” “Parties,” or “Us” refers to both the Client and ourselves. All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of assisting the Client in the most appropriate manner for the express purpose of meeting the Client’s needs concerning the Company’s stated services, in accordance with and subject to the prevailing laws of the State of Hawaii and applicable federal laws of the United States. Any use of the above terminology or other words in the singular, plural, capitalization, and/or he/she or they are taken as interchangeable and therefore as referring to the same.
Cookies We employ the use of cookies. By accessing Island Home Loans, you agree to use cookies in accordance with Island Home Loans, Inc.’s Privacy Policy.
Most interactive websites use cookies to retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas and make it easier for visitors. Some of our affiliate/advertising partners may also use cookies.
License Unless otherwise stated, Island Home Loans, Inc. and/or its licensors own the intellectual property rights for all material on Island Home Loans. All intellectual property rights are reserved. You may access this from Island Home Loans for your own personal use, subject to restrictions set in these terms and conditions.
You must not:
- Republish material from Island Home Loans
- Sell, rent, or sub-license material from Island Home Loans
- Reproduce, duplicate, or copy material from Island Home Loans
- Redistribute content from Island Home Loans
This Agreement shall begin on the date hereof.
User-Generated Content Parts of this website may allow users to post and exchange opinions and information. Island Home Loans, Inc. does not filter, edit, publish, or review comments prior to their presence on the website. Comments do not reflect the views and opinions of Island Home Loans, Inc., its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts them. To the extent permitted by applicable laws, Island Home Loans, Inc. shall not be liable for the Comments or for any liability, damages, or expenses caused and/or suffered due to any use of and/or posting of and/or appearance of the Comments on this website.
Island Home Loans, Inc. reserves the right to monitor all Comments and to remove any Comments deemed inappropriate, offensive, or in breach of these Terms and Conditions.
By posting Comments, you warrant and represent that:
- You are entitled to post the Comments and have all necessary licenses and consents to do so;
- The Comments do not infringe any intellectual property right, including without limitation copyright, patent, or trademark of any third party;
- The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material that is an invasion of privacy;
- The Comments will not be used to solicit or promote business or present commercial or unlawful activity.
You hereby grant Island Home Loans, Inc. a non-exclusive license to use, reproduce, edit, and authorize others to use, reproduce, and edit any of your Comments in any forms, formats, or media.
Electronic Communications & Signatures By using this website, you consent to receiving disclosures, notifications, and instructions electronically, as described in our ESIGN Disclosure. Certain mortgage-related documents may still require a physical (wet) signature. If you do not consent to receiving electronic disclosures, you may request paper copies as detailed in the ESIGN Disclosure.
https://islandhomeloans.com/wp-content/uploads/electronic-signatures-in-global-and-national-commerce-act.pdf
Hyperlinking to Our Content Certain organizations may link to our Website without prior written approval:
- Government agencies;
- Search engines;
- News organizations;
- Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
- System-wide Accredited Businesses.
We may approve link requests from other organizations if we determine that the link: (a) is not deceptive; (b) does not falsely imply sponsorship, endorsement, or approval; and (c) fits within the context of the linking party’s site.
If you are interested in linking to our website, you must inform us by email. Approved organizations may hyperlink to our Website using our corporate name, the uniform resource locator, or another suitable description.
iFrames Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.
Content Liability We shall not be held responsible for any content appearing on your website. You agree to protect and defend us against all claims arising from your website. No links should appear on any website that may be interpreted as libelous, obscene, or criminal, or which infringes or otherwise violates any third-party rights.
Your Privacy By using this website, you acknowledge and agree to the terms of Island Home Loans, Inc.’s Privacy Policy. https://islandhomeloans.com/wp-content/uploads/Privacy-Policy_12-31-2024.pdf
Security & Account Responsibility If you create an account on our website, you are responsible for maintaining the confidentiality of your login information and for restricting access to your account. We are not liable for unauthorized access resulting from negligence in securing your login credentials.
Reservation of Rights We reserve the right to request the removal of any link to our Website. You approve the immediate removal of links upon request. We also reserve the right to amend these terms and conditions at any time. By continuing to link to our Website, you agree to be bound to and follow these linking terms.
Governing Law & Jurisdiction These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Hawaii and applicable federal laws of the United States. Any disputes shall be resolved in the appropriate state or federal courts located in Hawaii.
Disclaimer To the maximum extent permitted by law, we exclude all representations, warranties, and conditions relating to our website and its use. Nothing in this disclaimer will limit or exclude our or your liability for fraud, death, or personal injury caused by negligence, or any liabilities not permitted under applicable law.
As long as the website and its services are provided free of charge, we will not be liable for any loss or damage of any nature.
Last Updated: March 14, 2025
For any questions, please contact us at support@islandhomeloansinc.com or (808) 961-0605.