aie capital
Communications Policy
Effective Date:
January 1, 2023 | Last Updated: April 22, 2026
1. Introduction
This Communications Policy ("Policy") describes how Angel Island Enterprises, Inc. dba AIE Capital ("AIE Capital," "we," "us," or "our") communicates with individuals who visit our website at aiecap.com (the "Site"), submit inquiries, or engage with our mortgage and financial services.
This Policy is part of AIE Capital's comprehensive disclosure framework and should be read together with our Website Privacy Policy, California Consumer Privacy Policy, and GLBA Financial Privacy Notice. Our communications practices are governed by applicable federal and state law, including the Telephone Consumer Protection Act ("TCPA"), the CAN-SPAM Act, the National Do Not Call Registry rules, and the Gramm-Leach-Bliley Act ("GLBA") and Regulation P.
2. How We Communicate
AIE Capital may communicate with you through a variety of channels depending on the nature of our relationship and the communications you have requested or consented to receive. These channels include:
Email
Telephone and voicemail
SMS and text messaging
Postal mail
In-person meetings and consultations
Some communications may occur through multiple channels. All communications from AIE Capital are confidential and intended solely for the individual addressee or persons authorized to act on their behalf. If you receive a communication from AIE Capital that was not intended for you, please notify us promptly at info@aiecap.com.
3. Basis for Communications
3.1 Service-Related Communications
When you submit an inquiry, contact form, loan application, or service request through the Site, you consent to AIE Capital contacting you by telephone, email, or postal mail using the contact information you provide, for the purpose of responding to your specific request. These service-related communications are not marketing communications and are not subject to marketing opt-out mechanisms.
3.2 Marketing and Promotional Communications
AIE Capital will only send you marketing or promotional communications — including our newsletter, market updates, and service announcements — where you have affirmatively and explicitly opted in to receive them. We do not treat general use of the Site as consent to receive marketing communications.
You may opt out of marketing communications at any time by:
Clicking the unsubscribe link included in any marketing email
Replying STOP to any marketing SMS message
Contacting us directly at info@aiecap.com
Opting out of marketing communications will not affect service-related or transactional communications related to services you have requested or are actively receiving.
3.3 Financial Services Communications
Communications related to mortgage applications, loan processing, servicing, and other financial services are governed by applicable federal and state financial services law, including GLBA and Regulation P. Please refer to our GLBA Financial Privacy Notice for information about how we handle nonpublic personal financial information in connection with these services.
4. SMS and Text Messaging
4.1 Consent to SMS Communications
AIE Capital may send you SMS or text messages where you have provided explicit, affirmative consent at the point of collection. Consent to SMS communications is obtained separately at the specific form or point of interaction where your telephone number is collected. SMS consent is never implied from general use of the Site and is never a condition of receiving mortgage or financial services from AIE Capital.
Where SMS consent is requested, the following disclosure will appear at the point of collection:
SMS Consent Disclosure — Point of Collection Language
By providing your telephone number and submitting this form, you consent to receiving SMS text messages from Angel Island Enterprises, Inc. dba AIE Capital at the number provided. Message frequency may vary. Message and data rates may apply. Consent is not a condition of any purchase or service.
Reply STOP to unsubscribe from further SMS messages at any time. Reply HELP for assistance. For additional information, see our Communications Policy at aiecap.com.
4.2 SMS Opt-Out
You may opt out of SMS communications at any time by replying STOP to any SMS message from AIE Capital. Upon receipt of your STOP request, we will send a single confirmation message and you will receive no further SMS communications unless you subsequently provide new consent.
4.3 SMS Help
If you need assistance with SMS communications, reply HELP to any SMS message from AIE Capital or contact us at info@aiecap.com. Message and data rates may apply based on your mobile carrier plan.
4.4 Supported Carriers
SMS messaging is available through most major US wireless carriers. AIE Capital is not responsible for delays or failures in SMS delivery caused by your carrier or device.
5. Email Communications
AIE Capital's email communications comply with the CAN-SPAM Act and applicable California law. All marketing emails from AIE Capital will:
Clearly identify AIE Capital as the sender
Include a valid physical postal address
Provide a clear and functional unsubscribe mechanism
Honor opt-out requests within 10 business days
Transactional and service-related emails — such as responses to inquiries, application status updates, and regulatory disclosures — are not marketing emails and may be sent regardless of marketing opt-out status where required for the provision of services or by law.
6. Telephone Communications and Do Not Call
AIE Capital respects the National Do Not Call Registry and applicable federal and state telemarketing laws, including the TCPA. Our telephone communications practices are as follows:
We will not make unsolicited marketing calls to telephone numbers registered on the National Do Not Call Registry
Consent to receive marketing telephone calls will only be obtained through explicit, affirmative opt-in — it will not be implied from general use of the Site or submission of a contact form
Calls made in response to your specific inquiry or service request are service-related communications and are not subject to Do Not Call restrictions
You may request to be placed on our internal Do Not Call list at any time by contacting us at info@aiecap.com