Effective Date: August 25, 2026
Hawaiʻi Community Lending (“HCL,” “we,” “us,” or “our”) may use text messaging (SMS/MMS) to communicate with individuals who have provided their consent to receive text messages from HCL.

Types of Messages
By opting in to receive text messages from HCL, you may receive messages related to:
• Loan and application updates
• Appointment and meeting reminders
• Requests for information or documentation
• Program and service updates
• Housing and financial education resources
• Community outreach and event information
• Customer service and support communications
• Important account or transaction-related notifications
• Other communications related to services or programs you have requested from HCL

Message Frequency
Message frequency may vary depending on your interactions with Hawaiʻi Community Lending, the services or programs you participate in, and your communication preferences. You may receive recurring messages based on your relationship with HCL and the services you have requested.

Message and Data Rates
Message and data rates may apply. Charges for text messages may vary depending on your mobile carrier and wireless plan. HCL is not responsible for any messaging or data charges imposed by your mobile carrier.

How to Get Help
For assistance with HCL text messaging, reply HELP to any HCL text message or contact us at:
Hawaiʻi Community Lending
Phone: (808) 587-7656
Email: kokua@hawaiicommunitylending.com
Website: www.hawaiicommunitylending.com

How to Opt Out
You may opt out of receiving HCL text messages at any time by replying STOP to any HCL text message. After you send STOP, you will receive a confirmation message and will no longer receive text messages from HCL unless you choose to opt back in. 

You may also contact HCL directly using the contact information provided above to request assistance with opting out.

Consent to Receive Text Messages
By providing your mobile telephone number and opting in to HCL’s text messaging service, you consent to receive text messages from Hawaiʻi Community Lending at the telephone number provided. Consent to receive text messages is not a condition of purchasing any goods or services or obtaining a loan or other HCL service.

You understand that your consent applies to the types of messages described above and that message frequency may vary.

Privacy
Hawaiʻi Community Lending respects your privacy. Information collected through our text messaging program will be handled in accordance with our Privacy Policy.
For more information about how HCL collects, uses, and protects personal information, please review our Privacy Policy.

Changes to These Terms
Hawaiʻi Community Lending may update these SMS/Text Messaging Terms & Conditions from time to time. Any updates will be posted on this webpage with the applicable effective date.