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Hawaiʻi Community Lending SMS/Text Messaging Terms & Conditions

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.

About Aikū’ē Kalima

Aikū’ē Kalima, former Native Hawaiian Revolving Loan Fund Manager for the Office of Hawaiian Affairs, joins Hawaiʻi Community Lending as its lending director.
Kalima comes to HCL with more than 25 years of experience in community development and mortgage lending. In his new position, Kalima will direct HCL’s consumer, construction, mortgage and small business lending.
“As a native Hawaiian and Hawaiian Home Lands beneficiary, I understand the financial needs for economic development and quality housing for kānaka is great,” said Kalima, who led OHA’s deployment of $9.8 million in loans to 286 native Hawaiians statewide over the last five years. “For over 25 years, I have worked tirelessly at the grassroots level, educating kānaka on the skills necessary to achieve the dream of homeownership and providing resources to achieve financial sustainability. I plan to continue serving the lāhui empowering ‘ohana and communities as the lending director for Hawai‘i Community Lending.”
Kalima takes the reins of HCL’s $16-million revolving loan fund and will oversee a team of seven staff members statewide. “HCL is honored to have Aikū’ē join us in our mission to help tackle our housing crisis by funding native Hawaiian and local families to build, buy and save homes from foreclosure,” said HCL Executive Director Jeff Gilbreath. “He has proven leadership in both the public and private sectors and has the passion to get families on the land through homeownership.”

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About Nikki

Nikki Hollern is a mother of five, born and raised in Upcountry Maui, but she spent the last 15 years in the beautiful town of Lahaina. Lahaina stole her heart, with the people and the town being unlike any other. After the fire, her family had to relocate to Kahului.

Her heart remains in Lahaina, and her goal is to help this amazing community get back to where they belong. She feels blessed to have the opportunity to be part of the HCL ‘ohana, helping navigate this incredibly hard time and hopefully serving as a guiding light to assist the community in returning home and coming back even stronger.

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