Privacy Security

SmartMortgage.com understands your expectations for privacy and security with respect to your personal financial information. The Privacy Policy is designed to inform you of the types of information that we collect from our customers, along with how we use that information and the circumstances under which we will share it with third parties. Any information you share with us in the ‘Application’ section of the web site is encrypted using SSL technology. This is done to ensure your privacy and security when working with SmartMortgage.com.

Privacy Policy – FAQ’s on Privacy

Introduction
SmartMortgage.com understands your expectations for privacy and security with respect to your personal financial information. The following privacy policy is designed to inform you of the types of information that we collect from our customers, along with how we use that information and the circumstances under which we will share it with third parties.

We Respect Your Privacy
SmartMortgage.com respects your privacy and is committed to treating your information responsibly. We believe that many customers appreciate the offer of products and services that may be useful to them. At the same time, we understand the need to safeguard sensitive information that you have provided to us, and that you expect privacy and security for your personal and financial affairs.

Information Collection
SmartMortgage.com will collect nonpublic personal information about you only when we reasonably believe that the information will be necessary and useful in processing or administering your loan; or providing products, services and other opportunities that we think will be of interest to you. In this notice, the term nonpublic personal information refers to information about you that we receive from the sources described below and that is not otherwise lawfully available to the general public. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on your application or other forms, such as your name, social security number, assets, and income;
• Information about your transactions with us, our affiliates, or others; such as your account balance, payment history, parties to transactions;
• Information we receive from a consumer-reporting agency, such as your credit worthiness and credit history.

Information Sharing Permitted By Law
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law. For example:

• In response to a subpoena;
• When we are authorized by you, in writing, to disclose to a third party from whom you wish to receive a service or product;
• When we share information about experiences and transactions with you with one of our affiliates.

Joint Notices
If you have a joint account with us (i.e. you have a co-borrower), you should share this notice with the person who shares the account. He or she may not get a separate notice.

Our Former Customers
After you are no longer a customer of SmartMortgage.com, we will continue to treat your nonpublic personal information as if you were still our customer.

Maintenance of Accurate Information
We have established procedures designed to ensure that your nonpublic personal information is as accurate and complete as possible, and is in accordance with reasonable commercial standards. If you believe that our records contain inaccurate or incomplete information about you, please notify us by calling 800-965-9910 or 314-995-9919 or sending a written inquiry to us at 17280 N Outer 40 Rd Suite 100 Chesterfield, MO 63005. We will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

Confidentiality and Security
We limit access to nonpublic personal information to employees who use this information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your nonpublic personal information. We appreciate your business and want you to understand our commitment to maintaining the privacy of your nonpublic personal information, as expressed in this Privacy Policy. This Privacy Policy applies only to individual consumers. This Privacy Policy is effective as of July 1, 2001. We reserve the right to amend the policy at any time. If you have questions about this Privacy Policy, please contact SmartMortgage.com’s Director of Compliance at the phone number or address above.

Cookies
Many Web sites use cookies, small text files on your hard drive that are accessible only to the site that placed it on your hard drive. The data collected from cookies helps a web site determine how many people visit the site and what pages they view. You can set your Web browser to warn you before you accept a cookie. When visiting our web site, we may use cookies on some pages, simply to help us serve you better each time you return. SmartMortgage.com does not track web-browsing behavior nor do we submit any personal data to any third party from our web-site. We may create a file for you to use within our internal loan software. Our website complies with browser Do Not Track protocols.

Encryption
One component of our online security system is our Secure Socket Layer (SSL) encryption. When you visit pages requesting or presenting sensitive personal or financial data, we will encrypt the information, preventing third parties from accessing it in transit. (Look for the lock icon on your browser.) We utilize 128-bit encryption in order to protect your personal information.

Browser Requirements
Because of our Security System, you will need to use a browser that supports SSL encryption if you wish to take advantage of the features and functionalities of our web site. The browsers currently supported are Microsoft Internet Explorer 5 and greater and Netscape 4.7 and greater.