Last updated June 18, 2020

In this Website Privacy Policy, Seashine Capital Management, LLC or “Seashine” or “we”, provide information about how we use, collect, and transfer personally identifiable data from website visitors to SeashineCapital.com, and other websites that we operate and for which we provide a link to this Privacy Policy (collectively the “Website”).

Scope

This Privacy Policy covers only data collected through the Website and any other data collection or processing, including, affiliated websites that display a direct link to this Privacy Policy.

Collection, Use, and Sharing of Data

Seashine collects information from visitors of the Website, including the domain names, IP and MAC addresses, browser types, and unique device identifiers of such visitors. This information includes the number of visits, average time spent on the Website, pages viewed, and similar information. This information may also include usage information about the page-by-page paths you take as you browse through the Website. Seashine uses this information to measure the use of the Website and to develop ideas to improve the content of the Website. For more information regarding our use of this information, please see the sections on “Cookies and Other Tracking Technologies” and “Analytics” below.

There are times, however, when we may need additional information from you, including personal information that may be used to identify you. This information includes items such as your name, address, phone number, and email address. The information we collect is typically used by us to respond to your inquiry, process a transaction, or allow you to access specific account/profile information. We may also use your personal information to: improve the Website or Seashine products and services; customize your experience with the Website, or to serve you specific content that is relevant to you; contact you regarding your use of the Website and, in our discretion, changes to our policies; provide you with website-related notices; send you advertisements for Seashine products and services; and for purposes disclosed elsewhere in this Privacy Policy, at the time you provide your personal information, or with your consent. If you choose to share any personal information with us, we will use it in accordance with this Privacy Policy.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on website forms and in other communications.
• Information about your transactions with us, our affiliated companies, or others.
• Information we receive from third parties (if we receive personal information from a third-party source and/or if we combine the information we receive from these third-party sources with your personal information, we will treat that information as personal information. We are not responsible for the accuracy of the information provided by third parties or how such third parties collect, use, and share such information).

Prospective applicants for the REAL Program will be asked to provide personal information including name, current address, phone number(s), email address, social security number (SSN) or individual tax identification number (ITIN), financial data, employment data, date of birth, residence history, military status, and other information necessary to process your application and to evaluate program eligibility. Furthermore, prospective applicants will be asked to provide the names and dates of birth for all prospective occupants including children.

We may share personal information with non-affiliated third parties as necessary for us to provide the product or services requested, as permitted by law, with third-party service providers so that they may perform certain services for us, or as otherwise specified herein. Such disclosures may include situations in which we are required to respond to subpoenas or other legal processes, or are responding to the request of governmental authorities conducting an investigation.

We may store your information indefinitely, including the period after which any Customer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis.

We may, in our sole discretion, share with third parties, information that is not associated with your name or identity, such as website usage information, non-personally identifiable demographic information, and aggregate user statistics.

We may also provide all of the types of nonpublic personal information listed above to one or more of our affiliated companies.  Affiliated companies include but are not limited to Seashine Financial, LLC, Seashine Owner Co, LLC, Seashine Asset Management, Inc., and Seashine Property Services, Inc.  From time-to-time, Seashine may become affiliated with other companies or trusts associated with the REAL Program.

It is possible that Seashine, its subsidiaries, affiliates, joint venture companies, or any combination of them, could merge with or be acquired by another legal entity. In such event, or in the event of any other proposed or actual purchase, sale (including a liquidation, realization, foreclosure, or repossession), lease, merger, amalgamation or any other type of acquisition, disposal, transfer, conveyance, or financing of all or any portion of Seashine or of any of the business or assets or shares of Seashine or a subsidiary or division thereof, Seashine may share your information with third parties. You will have the opportunity to opt out of any such transfer if, in our discretion, the new entity plans to handle your information in a way that differs materially from this Privacy Policy.  Furthermore, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies or to other financial institutions with which we or our affiliated companies have joint marketing agreements. In some circumstances, we will request your consent to share your information with non-affiliated third parties, such as lenders, realtors, and insurers, so that they may offer you products and services that may be of interest to you.

Sharing of Personal Information

Who we are.

What Seashine Capital Management does with your personal information.

Why?

Financial Companies choose how they share your personal information. Federal law requires us to tell you how we collect, share, and protect your personal information. 

What?

The types of personal information we collect and share depend on the product or services you have with us. This information can include: Social Security number, credit history, credit scores, employment information, income, and assets.

How?

We are required to share your personal information to run our everyday business. In the section below, we list the reasons Seashine Property Services chooses to share and whether you can limit this sharing.

How we collect your personal information:

• When you fill out a form online
• When you provide us with your contact or other personal information
• From others such as credit bureaus, affiliates, or other companies

Reasons to share your personal information.	Do we share?	Can you limit sharing?
For our everyday business purposes – Such as to process your transaction, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes – To offer products and services to you	No	We don’t share
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes, including information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes, including information about your creditworthiness	No	We don’t share
For our affiliates to market to you	Yes	Yes
For non-affiliates to market to you	No	We don’t share

If you are a new customer to the REAL Program, we begin sharing your information for everyday business purposes immediately. We may begin other types of sharing within two (2) days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

To limit sharing, or if you have questions, contact us.
Call: 1-888-401-0285
Email: [email protected]

Important Terms

Affiliates

Companies related by common ownership or control. They can be financial or nonfinancial companies, including Seashine Financial, LLC and American Interbanc Mortgage.

Non-Affiliates

Companies not related to common ownership or control. They can be financial and nonfinancial companies. Seashine does not share with non-Affiliates so they can market to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you. Seashine does not jointly market.

Limited Sharing to Third Parties

It is the intent of Seashine Capital Management to closely safeguard our customer’s personal and private information. During the normal course of business through the REAL Program, there may be third parties that request information as to the status and/or details of your transaction. In compliance with federal and state law, the release of this information must first be authorized by you in writing through the REAL Information Sharing Disclosure. While the REAL Program’s ability to provide requests for information adds to the efficiency and speed with which we can close a transaction, we require your express authorization, prior to the release of information to any party not on the REAL Program application. 

You have the right to revoke information sharing authorization at any time. Revoking this authorization must be done in writing to the REAL Program by contacting us at:

Seashine Property Services
4 Park Plaza, Suite 650
Irvine, CA 92614

Or by emailing: [email protected]

Understand that the revocation will not apply to information that has already been released with prior authorization.

Cookies and Other Tracking Technologies

The Website uses “cookie” technology to measure website activity and to collect information such as browser type, time spent on the Website, pages visited and other information about your visit to the Website. Cookies are also used to prefill information previously entered into forms and to customize information to your personal tastes. A cookie is an element of data that an internet site can send to your browser. Cookies are stored on your computer. We may share information about you that we collect through a cookie with third parties who help us analyze website data.

If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allow you to automatically decline cookies or be given the choice of declining or accepting the transfer to your computer of a particular cookie (or cookies) from a particular website.  You may also wish to refer to: https://www.allaboutcookies.org/manage-cookies/index.html.  If, however, you do not accept our cookies, you may experience some inconvenience in your use of the Website. 

We may also include small graphic images called web beacons, also known as “internet tags” or “clear gifs,” in our web pages and email messages. We may use web beacons or similar technologies for a number of purposes, including, without limitation, to count the number of visitors to the Website, to monitor how users navigate the Website, and to count how many emails that we sent were actually opened or how many particular articles or links were actually viewed.

We may also use embedded scripts on the Website. An embedded script is programming code that is designed to collect information about your interactions with the Website. It is temporarily downloaded onto your computer from our web server or a third party with whom we work, is active only while you are connected to the Website, and is deleted or deactivated thereafter.

Automatically-collected information about you, such as how you interact with the Website, may be combined with your personal information. If we associate any such automatically-collected information with personal information about you, we will treat the combined information as personal information.

The Website is not currently configured to respond to “do not track” signals or similar mechanisms.

Analytics

We may use third-party analytics service providers, including but not limited to Google Analytics, to evaluate and provide us with information about the use of the Website. These third parties use cookies, web beacons, pixels, embedded scripts, and other, similar technologies to automatically collect information about your website use, report website trends, and help us compile website metrics.  This Privacy Policy does not cover any use of information that such third parties themselves may have collected from you. You can learn about Google’s specific practices by going to https://policies.google.com/privacy/google-partners, and you can opt out of Google Analytics by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout.

These and other third parties may also collect personal information about your online activities over time and across different websites when you use the Website.

Social Features

Certain functionality on the Website may permit interactions that you initiate between the Website and a third-party website or service (“Social Features”). If you choose to use Social Features, the information you post or provide access to may be publicly displayed by the provider of the Social Feature that you use. Similarly, if you post information on a third-party platform that references the Website (e.g., by using a hashtag associated with Seashine in a Tweet or status update), your post may be published on the Website in accordance with the terms of the third-party website or service. Also, both Seashine and the third party may have access to certain information about you and your use of the Website and the third-party website or service. The information we collect in connection with Social Features is subject to this Privacy Policy. The information collected and stored by the third party remains subject to the third party’s privacy practices.

Website Security

We maintain reasonable safeguards to help secure personal information that is disclosed to Seashine via the Website. We maintain appropriate physical, electronic, and procedural safeguards to help guard your personal information. We provide information to our subsidiaries, affiliated companies, and other businesses or persons for the purposes of processing such information on our behalf, some or all of which may store your information on servers located outside of the United States.

Protecting Your Personal Information

To protect your personally identifiable information from unauthorized access, we use security measures that comply with federal and state laws. These measures include online protection, strict business practices, and third-party vendor qualifications. 

California Privacy Rights

When California customers provide personal information to a business, they have the right to request certain disclosures if that business shares personal information with third parties for the third parties’ direct marketing purposes. Once per the calendar year the customer may request that the business provides a list of companies with which it shares personal information for those companies’ direct marketing purposes and a list of the categories of personal information that the business shares. Seashine does not generally sell or share personal information with third parties. However, if we engage in such activities, you may request information about our compliance with this law by contacting us at:

Seashine Property Services
4 Park Plaza, Suite 650
Irvine, CA 92614
[email protected]

Any such inquiry must include “California Privacy Rights Request” in the first line of the description and include your name, street address, city, state, and ZIP code. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address or mailing address.

Unsubscribing From Email

You can unsubscribe from communications about the REAL program and the Seashine Capital group of companies at any time. Send an email to [email protected] with “Unsubscribe” in the subject line. Or call us at 1-888-401-0285 to make the request.

Children’s Online Privacy

The Website is not intended for children under the age of 13 years. We do not intentionally or knowingly collect personally-identifiable information from children under the age of 13 and we request that individuals under the age of 13 do not submit any personal information on the Website. If we learn that we have received identifying information from a user under the age of 13, we will delete this information.

Third-Party Websites

There may be hyperlinks on the Website to other websites or locations that are operated and controlled by third parties (“Third-Party Websites”). These Third-Party Websites may solicit personal information from you. We make no representations regarding the policies or business practices of such Third-Party Websites and encourage you to familiarize yourself with their privacy policies before providing them with your personal information.

Consent to Transfer Information

The Website is operated in the United States. If you are located outside of the United States, and are accessing or using the Website, please be aware that information we collect, including personal information, will be transferred to, processed, and stored in the United States. By using the Website or providing us with any information through the Website, you consent to this transfer, processing, and storage of your information in the United States.

Changes to this Statement

Seashine may from time to time and without prior notice revise this Privacy Policy. Any changes will be effective immediately when the revised Policy is posted on the Website unless stated otherwise. We will not, however, use your personal information in a manner materially different than what was stated in the Privacy Policy posted on the Website at the time your personal information was collected, unless we receive your consent.

Contacting Us

If you have any questions about this Privacy Policy, our practices, or your dealings with the Website, you can contact us by email or you can write to:

Lin Miao, Staff Attorney | Registered In-House Counsel
4 Park Plaza, Suite 650
Irvine, CA 92614
[email protected]