SMART MORTGAGE TOOLS

Privacy Policy

Updated: January 27, 2025

Our Privacy Policy is designed to assist you in understanding how we collect, use and share your personal information and to assist you in making informed decisions when using our website (the "Site") and our products and services (the "Services"). By using or accessing the Site or Services you consent to our data practices as described in this Privacy Policy.

What Information Do We Collect?

Personal Information You Choose to Provide. In certain sections of the Site and when you use our Services, we may enable you to request quotes or information, complete a registration form, or perform other similar activities. Due to the nature of some of these activities, we may collect personal information that you choose to submit such as your name, contact data (address, email address, phone number), financial information and other similar information.

Technical Data. In most cases when you come to the Site we will automatically gather or receive technical data about your prior journey, device and how you interact with our Site. Technical Data may include browser type, referrer URL, date and time of your visit, IP address, MAC address, device type, screen resolution, and OS version.

Personal Information provided by Service Providers. In some cases, we may receive your personal information (such as your email address) from our service providers. We may use this personal information to market our business or identify lookalike audiences.

Personal Information received from Third Party Sites. We may also combine information we collect about you when you visited our social media pages and later visited our Site.

How Do We Use the Information That We Collect?

Primary Use. If you use our Site to request a quote or information, we will connect you with companies in our Approved Partner Network ("Partners") to process and fulfill your request.

Consent to Being Contacted. By submitting your request, you understand that our Partners may contact you by telephone, automated calling, mobile device, email, or regular mail based on the information you provided to us to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission.

Business Uses. We may also use the data we collect about you to (i) respond to your requests; (ii) keep you informed of our products and services; (iii) send you marketing communications; (iv) improve our Sites and business; (v) fulfill any purchase you make; and (vi) use your data in an aggregated, non-specific format for analytic and demographic purposes.

Site Performance. We use Technical Data to monitor this Site's performance, analyze traffic patterns and usage, ensure that this Site and any transactions function properly, and gather demographic information about our user base as a whole.

Other Legal Uses. We may also use your personal information if necessary (a) to comply with law or a subpoena; (b) to respond to requests from governmental authorities; (c) to enforce our terms of use and privacy policy; and (d) to protect our business and the rights of others, including for fraud protection and security purposes.

Cookies and Other Technologies

A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a website, that site's computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies.

Analytics. We use Google Analytics on the Site. In addition, we have enabled certain Google Analytics advertising features that use cookies. These features enable us to obtain certain demographic and interests data for visitors to the Site.

Remarketing. We may use Google AdWords remarketing to trigger advertisements across the Internet. AdWords remarketing will display relevant ads tailored to you based on what parts of the Site you have viewed by placing a cookie on your machine.

Social Media. Our Site may include social media features, such as Facebook or Twitter buttons. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly.

We do not respond to browser Do Not Track (DNT) signals at this time.

Data Sharing

In addition to the primary data use described above, we may share your data as follows: (i) with other Full Beaker businesses; (ii) with service providers who assist us in compliance and verification activities or provide services such as payment processing, IT, email sending, data analysis, and marketing services; (iii) if you choose to send a message through, or contribute to public areas of, this Site; and (iv) with a third party in the event of a sale or transfer of all or part of our business.

Third Party Vendors

We also work with vendors and partners in operating and improving the Site. These vendors and partners include advertising and web analytics companies (including Google and Facebook). These partners and vendors use cookies, web beacons and other technologies to collect information about your online activity to help manage ad campaigns, understand user interests and trends and deliver personalized content and advertising to you.

PLEASE NOTE THAT WE ARE NOT RESPONSIBLE OR LIABLE FOR THE ACTS AND/OR OMISSIONS OF THIRD-PARTY VENDORS.

Third Party Sites

Please remember that when you use a link to go from the Site to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites that have a link on the Site, is subject to that website's own rules and policies.

Security

The security of your personal information is very important to us. We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. We may employ procedural and technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

Access & Control

Opting out of Email Marketing. If you no longer want to receive marketing-related emails from us on a going-forward basis, you may opt-out of receiving these marketing-related emails by contacting us directly.

Opting Out of Cookies. If you do not want information collected through the use of cookies (including targeted advertising), there is a simple procedure in most browsers that allows you to decline the use of cookies.

Access and Deletion. You may contact us and request that we provide you with information about our data practices or that we delete your personal information that we maintain on our systems.

Retention Period

In general, we will retain your data for as long as is needed to fulfill the uses outlined in this Privacy Policy, including to connect you with Partners who can provide you with information about the products and services you are seeking.

Use of Site by Minors

We do not knowingly collect any information from anyone under 18 years of age. Our Services are directed to and intended for people who are at least 18 years old.

Contacting Us

If you have any questions or concerns about this Privacy Policy, you may contact us by email or you can call us at the following number: 1 (866) 240-7180.

Updates to This Privacy Policy

We may update or modify this Privacy Policy from time to time. The date of the latest update will be stated at the beginning of this Privacy Policy. Your continued use of the Site or our Services represents your consent to our data practices.

Information for California Consumers (CCPA)

The California Consumer Privacy Act ("CCPA") affords certain rights and protections to California residents. We collect the following categories of personal information: identifiers, protected classification characteristics, commercial information, internet activity, geolocation data, and inferences drawn from the above.

California residents have the right to: request deletion of personal information, request disclosure of categories and specific pieces of personal information collected or sold, and opt out of the sale of personal information.

To submit a request, you may call our toll-free number: 1 (866) 309-1895.

Non-Discrimination. We will not discriminate against you for exercising any of your rights under the CCPA.

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