Privacy Policy
Effective Date: September 26, 2024
Introduction
Interest Smart Home Loans ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
NMLS #1157416. Interest Smart Home Loans is licensed to operate in multiple states. Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access our site or services.
Information We Collect
Personal Information
We may collect personal information that you provide directly to us, including:
- Name, address, phone number, and email address
- Social Security number and date of birth
- Employment and income information
- Financial information including assets, debts, and credit history
- Property information for mortgage applications
Automatically Collected Information
We automatically collect certain information when you visit our website:
- IP address and browser information
- Pages visited and time spent on our site
- Referring website information
- Device information and operating system
How We Use Your Information
We use the information we collect to:
- Process and evaluate your mortgage application
- Verify your identity and prevent fraud
- Communicate with you about your loan status and updates
- Provide customer service and support
- Send marketing communications (with your consent)
- Comply with legal and regulatory requirements
- Improve our website and services
Text Message Communications
We may send you text messages for transactional and marketing purposes, but only with your consent:
Transactional Messages
If you consent to receive transactional SMS, we will send you messages about your loan application, including updates, reminders, and important notifications related to your mortgage process.
Marketing Messages
If you consent to receive marketing SMS, we may send you promotional offers, rate alerts, and other marketing communications.
Opt-Out
You can opt out of text messages at any time by replying STOP to any message. Message frequency may vary. Message and data rates may apply. Reply HELP for help.
Information Sharing
We may share your information with:
- Lenders and investors for loan processing and funding
- Service providers who assist in our operations
- Government agencies as required by law
- Credit reporting agencies
- Title companies, appraisers, and other professionals involved in your transaction
We do not sell your personal information to third parties for their marketing purposes without your explicit consent.
Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure.
Your Rights
Depending on your location, you may have the right to:
- Access your personal information
- Correct inaccurate information
- Request deletion of your information
- Opt out of marketing communications
- File a complaint with regulatory authorities
Contact Information
If you have questions about this Privacy Policy, please contact us:
Interest Smart Home Loans
23172 Plaza Pointe Dr, Suite 155/185
Laguna Hills, CA 92653
Phone: (800) 451-8810
Email: info@interestsmartloans.com
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website with an updated effective date.