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Privacy Disclosure Statement
Smart Mortgage Centers, Inc. is committed to your financial well being and protecting the privacy and security of the information you share with us. When you give us your personal and financial information, such as through an online rate quote request, we'll handle that information with care and common sense. Only those employees who need to have access to your information to perform their jobs are authorized to have access to the information. We protect the data you share with us through www.smhomeloans.com using Secure Socket Layer (SSL) protocol.
When you submit a loan application to us, we may ask for information that may include where you work, what you do, your income, assets, debts and obligations, your financial goals and other similar information. We use this information when evaluating your eligibility for a loan. This evaluation also requires us to obtain information about you from others such as consumer reporting agencies (also known as credit bureaus), the IRS, licensed title search companies, and your hazard and/or flood insurance company.
In addition, Smart Mortgage Centers, Inc. may provide LLC or third party firms with information furnished by you, such as names, addresses and the financial information you have provided to us or that we have obtained from others about you. Any use of this information will be restricted to advancing your request for a loan, locating a home, or the marketing of other financial products Smart Mortgage Centers, Inc. may offer. We will never sell information about you to any other organization.
Any third party that receives this information is not permitted to use this information for its own purposes or to give it to anyone else (unless it is to help them close your loan).
We may also provide certain information to others when legally required to do so (for instance, in response to a subpoena), to prevent fraud, or to comply with a legal request by a government agency or regulator.
We are very sensitive to your privacy concerns, and therefore, are very careful in protecting your information from unwarranted access. We comply with all federal and state mortgage and privacy laws as they relate to handling your information. Once your loan is closed or withdrawn, all non-essential credit, income, asset, and personal information is shredded by a licensed and bonded document shredding company.
By voluntarily submitting your name, phone number, and email address anywhere on smhomeloans.com or smartmortgagecentersinc.com , you may receive phone, text and email correspondence regarding your interest in a mortgage. Smart Mortgage Centers, Inc. will contact you via email, text and phone during the loan process as necessary. We may also contact you in the future to provide information regarding other mortgage products that may benefit you. You may opt-out of any correspondence which is not directly linked to your transaction by clicking on the unsubscribe button. The opt out does not apply to disclosures that are legally permitted or required by law for an ongoing transaction.
How Non-Personally Identifiable Information Is Used
We will only collect personally identifiable information when you proactively provide it to us, such as when submitting a rate quote request. We may use additional information that cannot be used to identify you personally, collectively with information on other visitors to the site, in order to track and improve the effectiveness of our website, products, and services.
Do Not Track Policy
We do not currently change how our website operates when receiving a Do Not Track request from a visitor's web browser. We only collect personally identifiable information when you proactively provide it to us, such as when submitting a rate quote request, but it will remain possible to submit information when utilizing the Do Not Track option.
For more information, or if you have any questions or concerns, please contact us via email at Smartmortgagecenters@yahoo.com or by mail at:
Smart Mortgage Centers
4003 Plainfield Naperville Rd. Ste 207
Naperville, IL 60564
Safe, Secure, No Obligation
"Since 1997 we provide the highest 5 star customer service, lower rates and low to no closing cost options. Your home loan is handled with care from start to finish, assuring a smooth and enjoyable experience".
THE SMART GUARANTEE:
Vice President, Brian Birk