Privacy Policy

Effective Date: February 2025

1. Introduction

Smart Rate LP contacts consumers for purposes directly related to our core business operations. These communications may include: Process Updates: Providing timely information regarding applications, documentation, underwriting, or closing status.Customer Care: Offering support, answering questions, and resolving service-related inquiries.Account Notifications: Sending reminders, confirmations, and updates related to billing, escrow, account changes, or time-sensitive matters.All communications may be sent via voice call, text message, or email using automated technology, and only to consumers who have provided prior express consent as required under the Telephone Consumer Protection Act (TCPA). These communications are not promotional in nature unless specifically disclosed, and consumers can opt out at any time.

+16232808351

2. Information We Collect

We collect the following types of information:

Personal Information: Name, email address, phone number, and other contact information voluntarily provided when submitting a form or requesting information.Automatically Collected Information: If our website utilizes cookies or tracking technologies, we may automatically collect certain data such as IP address, browser type, operating system, referring URLs, and browsing behavior. You can manage cookie preferences via your browser settings.Financial Information (if applicable): Although we do not collect financial details directly on the Website, you may be asked to provide information such as income, employment status, and credit-related data during the application or refinancing process with a representative.Third-Party Data: We may obtain contact information from marketing partners, lead generation services, or affiliated financial institutions to connect you with appropriate services. Financial details are handled directly by the assigned officer, not through our Website.

3. How We Use Your Information

We use the information collected to:

Respond to inquiries and provide customer supportContact individuals via phone or SMS after they submit their informationReach out to potential clients using publicly available databases after confirming eligibilityInform clients about possible opportunities such as lower interest ratesMaintain internal records, including adding uninterested contacts to a "Do Not Contact" listEnsure compliance with regulations and process opt-out requests

We

do not

use your information for unsolicited email marketing.

4. Sharing of Information

We do not sell, rent, or share your personal data with third parties. Your information is used internally at Smart RateLP to support your service requests.

We may share your data in the following cases:

Representatives: If you express interest in refinancing, your contact details and basic eligibility information may be shared with a Smart RateLP officer to assist further. Legal Obligations: If required by law or legal process, we may disclose your information to comply with regulatory requirements.

5. Your Choices and Rights

Opt-in process:

SMARTRATE LP collects opt-in verbally from customers, over a phone call when a customer contacts them. When a customer is registered for the first time, staff members are trained to request the customer's phone number and to ask if the customer would like to opt in to SMS-based notifications. Customers are informed that, by opting in, they consent to receive text messages from SMARTRATE LP at 623-280-8351 regarding account notifications, customer care, and updates related to loan applications, documentation, underwriting, closing status, billing, escrow, account changes, or other time-sensitive matters. These communications are sent only to those who have provided prior express consent, as required under the Telephone Consumer Protection Act (TCPA), and are not promotional in nature unless specifically disclosed. Message frequency may vary. Message and data rates may apply. Customers can reply STOP to unsubscribe at any time or HELP for assistance. For more information, please visit the privacy policy at https://smartratelp.com/privacy-policy.

Opt In Messaging:

You’re signing up to receive offers and updates from SMARTRATE LP. Reply START to consent to recurring automated texts. Message frequency varies. Message and data rates may apply. Reply HELP for help. Reply STOP or CANCEL to cancel. Consent is not a condition of purchase.

Opt Out Messaging:

You’ve successfully opted out of messages from SMARTRATE LP. You will receive no further messages. To opt back in, reply START. Msg & data rates may apply. For questions, visit our site or reply HELP.

HELP Messaging:

Thank you for contacting SMARTRATE LP. For support, call 6232808351 or email [email protected]. Reply STOP or CANCEL to opt-out.

6. Data Security

We use industry-standard security practices to protect your personal data. Information is securely stored in our internal CRM, accessible only to authorized Smart RateLP team members.

7. Cookies and Tracking Technologies

Currently, our Website does not use cookies or tracking technologies. Should this change, we will update this Privacy Policy and provide options for managing your preferences.

8. Third-Party Links

At this time, our Website does not include third-party links. If we include any in the future, we advise you to review their privacy policies. Smart RateLP is not responsible for external website practices.

9. Children's Privacy

Our services are intended for adults. We do not knowingly collect information from individuals under the age of 13. If we become aware of such data, it will be deleted promptly.

10. Compliance with U.S. Regulations

This Privacy Policy complies with applicable U.S. laws, including:

California Consumer Privacy Act (CCPA): Grants California residents rights over their personal data, including access and deletion. Smart RateLP will honor all valid requests.Telephone Consumer Protection Act (TCPA): Regulates marketing communications. Smart RateLP only contacts those who provide consent or whose information was legally obtained from public sources. Opt-out options are always available.

11. Changes to This Privacy Policy

We may update this Privacy Policy at any time. Significant changes will be posted to

smartratelp.com

with a revised effective date.

12. Contact Us

For questions or concerns about this Privacy Policy, contact:

Smart RateLP

Email:

[email protected]

Phone:

(623)-280-8351

By using our Website, you acknowledge and agree to the terms outlined in this Privacy Policy.