In addition to this Policy, Smartfi’s written Consumer Privacy Notice (Consumer Privacy Notice) further describes how we collect, use, and share personal information (defined below) shared with us, such as when you apply for or purchase our products and services becoming our customer.
The following sections address our sites’ on-line privacy practices in more detail:
Types of information collected on our sites
There are two types of information collected on our sites: Personally, Identifiable Information and Non-Personally Identifiable Information.
Personally, Identifiable Information
Non-Personally Identifiable Information
Non-Personally Identifiable Information (“non-personal information”) is information that does not identify you as an individual, such as your browser type, IP Address, and the URL of the web sites you visited before or after our site. Smartfi® may automatically collect certain types of non-personal information from you when you use our sites. We may also collect non-personal information that you voluntarily provide, such as information included in response to a questionnaire or survey.
Why we collect your information
Smartfi® may use personal information it can collect on our sites for a variety of reasons related to fraud protection, obtaining a better understanding of your needs and interests, and to develop and provide you with products, services, and features that better meet your needs or requests.
How we collect information
Smartfi® collects on-line information when you provide it to us or through the use of technology (an example would be form submissions).
Information Collected Through You
If you choose to use certain services on our sites, we may require you to provide contact and identity information. We indicate which fields must be completed to take advantage of a particular service or feature.
Non-Personal Information Collected Through Technology
Our sites may use cookie technology to improve your experience and gather information for statistical reporting and other purposes.
To browse without cookies, you can configure your browser to reject all cookies or to notify you when a cookie is set. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.
Our sites may collect IP addresses for the purposes of systems administration, authentication and security, server problem diagnosis and compiling aggregate information, such as how many visitors accessed our sites. When you visit a particular page on our sites, our servers may log your IP address. An IP address is a number that is assigned to your computer automatically when you use the Internet.
We may use embedded pixel technologies on selected pages for the purposes of identifying unique user visits to our sites as opposed to aggregate hits. In addition, embedded pixels or other technologies may be used in emails to provide information on when the email was opened to track marketing campaign responsiveness. Information collected using these technologies may be associated with the recipient’s email address.
Who we share personal information with
We may share personal information among Smartfi® and its affiliated companies, and with select third parties as permitted or required by law. For information on who we may share your personal information with once you apply for our products or services, or become our customer, view our Privacy Notice referenced above.
Disclosure of personal information for legal purposes and protection of Smartfi® and others:
We also reserve the right to share your personal information with third parties if we believe such action is necessary in order to: (a) conform with the requirements of any court order, law or legal process, including to respond to any government or regulatory request; (b) protect or defend our legal rights or property, our sites or our users; or (c) investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person or violations of the terms and conditions of using our sites.
Unless otherwise specified, our sites are not directed toward children. We do not knowingly collect information from children under the age of 13. If we learn that personal information on a child under the age of 13 is collected, we will delete that information from our systems.
Keeping your information secure
The security of your personal information is very important to us, and we are committed to protecting the information we collect. We have security measures in place that seek to protect against the loss, misuse, or alteration of information that Smartfi® has collected from you through our sites.
Unfortunately, no information transmission over the Internet or any wireless network can be guaranteed to be 100 percent secure. As a result, while we strive to protect your personal information, Smartfi® cannot ensure or warrant the security of any information you transmit to us or from our on-line products or services, and you do so at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on our sites.
Acceptance of Policy
By visiting our sites, you are accepting the terms and conditions of this Policy, and we have the right to use your information as described in this Policy.
This Policy applies only with respect to the information that we collect on-line on our sites and not to any information that Smartfi® collects through other methods or sources.
If for some reason you believe that our sites have not adhered to this Policy, please notify us at one of the addresses below.
Changes to the Policy
Smartfi® reserves the right to modify or amend this Policy at any time. Your continued use of our sites after we post any changes to this Policy on our sites will constitute your acceptance of those changes, so please check the Policy periodically for updates. The latest revision to this Policy occurred in April 2020. Changes to this Policy will not affect our use of previously provided personal information.
Terms and Conditions of Use
Do Not Track Disclosure
We do not respond to your browser’s Do Not Track signals.
Please note that whenever you submit any information to us in connection with any Smartfi® products and services, you consent to Smartfi’s processing of this information as necessary to provide the products and services in which you are participating.
If you have any questions or comments about our Policy and/or the way it affects you, please feel free to contact us by:
- Sending an e-mail request to firstname.lastname@example.org
- Sending a letter via US Mail to:
Smartfi Home Loans, LLC
3636 Nobel Dr., Ste 330
San Diego, CA 92122