Your information stays yours. Here's exactly what we collect, and why.

This website, georgethomaloans.com, is operated for Georg F. (“Georg”) Thoma, Senior Loan Officer (NMLS 312260), who originates loans through Kamaʻaina Mortgage Group, Inc. (NMLS 1276471), 500 Ala Moana Blvd, Suite 7-400 #427a, Honolulu, HI 96813. In this policy, “we”, “us” and “our” mean Georg and Kamaʻaina Mortgage Group.

This policy explains what happens to information collected through this website. If you go on to apply for a loan, the information in your application is handled under Kamaʻaina Mortgage Group's consumer privacy notice, which you receive when you apply, as required by the federal Gramm-Leach-Bliley Act. Ask Georg for a copy at any time.

Information you give us

• Contact form: your name, phone number, email address and, if you choose, what you're looking to do (for example, buy a home or refinance).
• Reverse mortgage estimate follow-up: if you ask Georg to walk you through your estimate, the form also sends the property address, estimated home value, current mortgage balance, the age you selected and the estimate shown on screen.
• Booking a call: the scheduling page uses Calendly. When you book, Calendly collects the name, email, phone number and any notes you enter, and shares them with Georg so he can call you.
• Anything you send Georg directly by phone, text or email.

Information collected automatically

• Server logs. Like every website, our hosting provider records basic technical details of each visit, such as your IP address, browser type, the page requested and the time. They're used to run and secure the site.
• Analytics. See Cookies, analytics and tracking below.

Tools that stay on your device

The reverse mortgage calculator, the “Should you refinance?” check and the “Where do you stand?” check work entirely in your browser. Your answers are not sent to us or stored unless you choose to submit a form.

What we never ask for on this website

This website never asks for your Social Security number, bank or card account numbers, or passwords, and it never pulls your credit. Please don't type that kind of information into a website form.

• To reply to your enquiry and talk through your options by phone, video or email.
• To prepare for your call, for example by looking at the estimate you asked about.
• To keep the website working, secure and free of abuse.
• To meet legal and licensing requirements that apply to mortgage loan originators, including record keeping and responding to regulators.
• To understand, in total rather than person by person, which pages are useful, so we can improve them.

We don't use website information to make automated decisions about you, and nothing you enter on this website is used to approve or decline a loan.

We share information only with the people and services that need it to do the jobs above:

• Kamaʻaina Mortgage Group, the licensed company Georg works through, when your enquiry moves toward a loan.
• Service providers that work on our behalf: our website host (Vercel), our email delivery service (Resend), which sends form enquiries to Georg's inbox, Calendly for booking calls, and Google Analytics (see below). They may only use the information to provide their service to us.
• Regulators, courts or law enforcement, when the law requires it or to protect the rights and safety of our clients, our business or others.

We do not sell your personal information, and we do not share it for cross-context behavioural advertising. We don't share it with other companies for their own marketing.

• This website does not set advertising cookies.
• Google Analytics is set up with its storage consent turned off. That means it does not place analytics cookies on your device. Google may still receive basic, cookieless signals, such as a page being viewed, general device information and an approximate region, which we use only as totals.
• The Schedule a call page embeds Calendly, which may set its own cookies to run the booking calendar. That is covered by Calendly's privacy notice.

Do Not Track and Global Privacy Control

We don't track you across other websites and don't allow third parties to do so on this site for advertising, so a browser “Do Not Track” signal doesn't change how the site behaves. If your browser sends a Global Privacy Control signal, we treat it as a request to opt out of any sale or sharing of your information. Because we don't sell or share it, nothing further is needed.

We keep enquiries for as long as we need them to help you, and for as long as mortgage record-keeping laws require. If you don't become a client, you can ask us to delete your enquiry, and we will unless the law requires us to keep it. Hosting logs are kept by our provider for a limited time for security purposes.

The whole site runs over an encrypted connection (HTTPS), and form enquiries are sent to Georg over encrypted connections. Access is limited to Georg, Kamaʻaina Mortgage Group and the service providers listed above. No system is perfectly secure, so please don't send sensitive documents such as tax returns, bank statements or ID through a website form or ordinary email. Ask Georg for a secure way to share them.

Wherever you live, you can ask us to:

• tell you what personal information we hold about you from this website;
• correct anything that's wrong;
• delete it, unless we're legally required to keep it;
• stop contacting you about your enquiry.

To make a request, email gthoma@kmgmortgage.com with “Privacy request” in the subject, or call (808) 357-9791. We'll confirm your identity using details you've already given us, and we aim to respond within 45 days. You won't be treated differently for making a request.

California residents

Under the California Consumer Privacy Act, as amended, you have the right to know what personal information we collect, use and disclose, and to request access to it, correction or deletion. You also have the right to opt out of its sale or sharing (we don't sell or share it), to limit the use of sensitive personal information, and not to be discriminated against for using these rights. You may use an authorised agent. Information covered by the Gramm-Leach-Bliley Act, such as a loan application, is handled under Kamaʻaina Mortgage Group's privacy notice instead. We don't disclose personal information to third parties for their direct-marketing purposes.

Nevada residents

We don't sell covered information as defined by Nevada law (NRS 603A). You may still send an opt-out request to gthoma@kmgmortgage.com, and we'll confirm it.

Hawaiʻi and other states

We honour the requests listed above for everyone, and any additional rights your state's law gives you.

This website is meant for adults looking for home financing. It isn't directed at children, and we don't knowingly collect information from anyone under 16. If you think a child has sent us information, contact us and we'll delete it.

Some buttons take you to other websites, including Kamaʻaina Mortgage Group's online loan application, Calendly, NMLS Consumer Access and government regulators. Those sites have their own privacy policies, which apply once you're there.

We'll update this page when our practices change, and the date at the top will show when it was last updated. If a change is significant, we'll say so clearly at the top of the page.

Questions about privacy, or want to make a request?

• Phone or text: (808) 357-9791
• Email: gthoma@kmgmortgage.com
• Mail: Kamaʻaina Mortgage Group, Inc., 500 Ala Moana Blvd, Suite 7-400 #427a, Honolulu, HI 96813

You can also read our terms of use and licensing and disclosures.