1. Introduction

Financial Smarthouse, INC ("we," "us," or "our") is committed to protecting the privacy and security of our clients and website visitors. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you engage with our services, visit our website, or interact with us in any way.

2. Information We Collect

We may collect personal information that you voluntarily provide to us when you:

• Apply for mortgage loans or related services.

• Contact us via email, phone, or through our website.

• Subscribe to our newsletters or request information.

• Participate in any of our marketing campaigns or surveys.

The types of personal information we may collect include, but are not limited to:

• Contact Information: Name, email address, mailing address, and phone number.

• Financial Information: Details about your income, credit score, and other financial details necessary for mortgage applications.

• Identification Information: Social Security Number (SSN), driver's license number, and other government-issued identification details.

• Property Information: Details about the properties you own or are interested in purchasing.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To Provide Services: To process mortgage applications, assess eligibility, and provide you with relevant mortgage products.

• Communication: To respond to your inquiries, provide customer support, and send you updates about your mortgage application.

• Marketing: To inform you about products, services, promotions, and events that may be of interest to you.

• Compliance: To comply with legal obligations, prevent fraud, and ensure the security of our operations.

4. Sharing Your Information

We do not sell or rent your personal information to third parties. However, we may share your information with:

• Service Providers: Third-party vendors and service providers who assist us in operating our business, such as credit reporting agencies, IT service providers, and marketing firms.

• Legal Requirements: When required by law or in response to legal processes, such as subpoenas, court orders, or government regulations.

• Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of that transaction.

5. Data Security

We take the security of your personal information seriously. We implement reasonable and appropriate technical, administrative, and physical safeguards to protect your data from unauthorized access, use, or disclosure. However, please be aware that no method of data transmission over the internet or electronic storage is 100% secure.

6. Your Choices

You have certain rights regarding your personal information:

• Access and Correction: You may request access to or correction of the personal information we hold about you.

• Opt-Out: You may opt-out of receiving marketing communications from us at any time by following the unsubscribe instructions in our emails or by contacting us directly.

• Data Deletion: You may request that we delete your personal information, subject to certain exceptions provided by law.

7. State Specific Privacy Notice

If you are a resident of Florida, you have additional rights under the Florida Privacy Protection Act. For more information about your rights, please review below:

8. Links to Important Policies and Information

• Florida Privacy Notice

• Georgia Privacy Notice

• New York Privacy Notice

• Our Terms of Service

• Consumer Financial Protection Bureau (CFPB)

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe that we have collected personal information from a child, please contact us immediately.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this policy. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at jermaine@financialsmarthouse.com