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 (SMS)
Program: Interest Smart Home Loans SMS Program. By providing your mobile phone number and opting in, you agree to receive text messages from Interest Smart Home Loans related to your loan application, account servicing, and (if separately opted in) marketing communications such as rate alerts and refinance offers.
Transactional Messages
Application status updates, document requests, appointment reminders, and other loan-related notifications. Typical frequency: up to 10 messages per month.
Marketing Messages
Rate alerts, promotions, and refinance offers, sent only if you separately opt in. Typical frequency: up to 8 messages per month.
Message & Data Rates
Message and data rates may apply. Message frequency varies. Carriers are not liable for delayed or undelivered messages.
Opt-Out and Help
You can opt out at any time by replying STOP to any message. For help, reply HELP or contact us at (800) 451-8810 or info@interestsmartloans.com.
No Sharing of SMS Opt-In Data
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
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.