top of page

Privacy Policy Agreement

Privacy Policy

Modified Last: 06/13/2022

Smart Home Lenders (“Smart Home Lenders”, “we”, “us”, or “our”), including out affiliates, respect your privacy and understand that you care about your personal information and how it is used. We value your trust in sharing your personal information with us and are dedicated to protecting your privacy. This privacy notice describes in detail the types of information we collect about you; how we use your information and with whom we share it; the choices and rights you have with regard to your information; how we protect your information; and how you can contact us about our privacy practices.

Table of Contents

  • Scope

  • Information we collect and obtain

  • Cookies and Similar Technologies

  • How we use the Information we obtain

  • Information we share

  • Your Choices and Rights

  • How we protect personal information

  • Transfers of information

  • Links to Third-Party Sites, Apps and Services

  • Changes to our Privacy Notice

  • How to Contact Us

  • California Privacy Rights


  • This Privacy Notice applies to the use of the Services (as defined below), including by both consumers and Professionals. “Professional(s)” means individuals, companies and other organizations or persons acting as real estate professionals or otherwise engaged in a business related to Smart Home Lenders Services, including, without limitation, real estate agents, providers of moving-related services, products or information, homebuilders, lenders, brokers, real estate professionals, re-modelers, seniors-related housing, product or service providers, home service professionals and other service professionals. Except as otherwise indicated, Professionals, consumers and other persons using the Services are individually and collectively referred to as “you.” This Privacy Notice applies to personal information collected by Smart Home Lenders, through the Smart Home Lenders family of websites, and mobile apps, mobile-optimized websites and other applications and/or electronic media (such as emails Smart Home Lenders sends) (collectively, the “Services”). This includes, but is not limited to:,

Information We Collect And Obtain

  • We obtain personal information about you from a variety of sources. In certain sections of the Site and when you use our Services, we may enable you to request a licensed originator and other services, complete a registration form, or perform other similar activities. This includes personal information you provide to us directly, information we obtain from other sources, and information we gather through automated means.

  • Information you provide to us. When you register for or participate in certain services, seek access to certain content or features, or directly correspond with us, we may collect certain types of information from you:

    • Contact information (such as name, postal address, email address and telephone and/or mobile numbers);

    • Username and password when you register through our Services;

    • Payment information, when needed to facilitate certain transactions;

    • Reviews, comments, and/or surveys; and

    • Other information you may provide to us, such as through our “Get In Touch” or “Contact Us” or “Client Services” or “Learn More” or similar features.

  • If you are a Professional, we may also ask for additional information, such as relevant professional licensing numbers or an MLS ID#.

  • Information obtained from other sources. We may obtain personal information about you in connection with the Services from publicly and commercially available sources and from our Smart Home Lenders affiliates and/or business partners (such as advertising networks or social networking services), including:

    • Demographic data (such as gender, age range, educational level, household income range, number of children in household, ethnicity to the extent permitted);

    • Purchasing data, including information about advertisements you have seen or acted upon and information about your interaction with advertisers’ products and services;

    • Occupational data (such as profession, position, title, industry; and business address);

    • Property data (such as address, ownership history, financing history, public records, purchase price);

    • If you log in with a third-party account with the Services (e.g., Google), we may obtain information about you, such as your user ID and/or user name and other information you have permitted those services to share with us consistent with your privacy settings for that third-party account.

  • Information Collected by Automated Means Through Our Services. We may gather by automated means (such as cookies, web beacons, web server logs, JavaScript and other similar technologies) certain information through our Services:

    • Your Internet Protocol (IP) address;

    • Device information, including unique identifiers and connection information, including mobile device advertising IDs (e.g., Apple’s IDFA or Google’s AAID) and the means of internet connection (e.g., WiFi connection, ISP) that can identify the physical location of such devices, in accordance with applicable law;

    • Your device type and settings, software used, browser type and operating system;

    • Websites or other services you visited before and after visiting the Services (referring URL);

    • Web pages and advertisements you view and links you click on within, and what search queries you may have run on, the Services (clickstream);

    • Viewing behavior, including the content you view, how long you view content, the quality of the service you receive, and advertisements you have been shown or interacted with;

    • Dates and times you access or use the Services;

    • Location information, including the city, state and zip code associated with your IP Address, information derived through WiFi triangulation, and precise location information from GPS-based functionality on your mobile apps, with your consent;

    • Your phone number and mobile carrier details in connection with our websites and mobile apps.

  • Our Services are Not Intended for Minors

    • Our Services are intended to be accessed and used only by adults and are not directed to minors as stated in our Terms and Conditions. We do not knowingly collect personally identifiable information by anyone under the age of 13 and you should not provide us with any information regarding any individual under the age of 13.

Cookies And Similar Technologies

  • Cookies are small files that we or others send to and store on or with your computer so that your computer, browser, mobile app or other application can be recognized as unique the next time you access, visit, use or otherwise take advantage of the Services or other media. Cookies may also reflect demographic data pertaining to you or other data linked to information you submit. One use or consequence of cookies is to enable you to receive customized ads, alerts, content, services or information. You are always free to decline any cookies we use by adjusting the settings of your browser, as your browser may permit; however, some products, services or features might not be available or operate properly if cookies are not enabled. Some of our advertisers and third-party service providers may also utilize their own cookies.

  • In addition, we, our service providers and others sometimes use data-gathering mechanisms on the Services, including without limitation “web beacons”, “clear GIFs”, “pixels” and/or “tags”. These perform statistical and administrative functions, such as measuring site and page traffic, verifying advertising paths, better understanding user interests and activity, gathering related information (such as information relating to a particular browser, device or IP address) and positioning images, and typically do so without detracting from your online experience. Such mechanisms are not necessarily designed to collect Personal Information. In addition, if you have provided your email address, we might use a non-human unreadable form (or “hash”) of your email address to deliver, or facilitate delivery of, relevant advertisements and information to you on or by way of the Services or on or by way of other websites or media, including, for example, popular social media sites and features.

How We Use The Information We Obtain

  • We, or service providers acting on our behalf, may use the information collected from and about you to:

    • Provide our products and services, including authorizing a purchase, or completing a transaction that you requested;

    • Create and manage online accounts;

    • Send promotional materials, alerts regarding available offers and other communications, including text/SMS messages if you provided your mobile number and opted in to receive such messages (for information on our text messaging program, please see our Text/SMS Messaging Program Terms);

    • Communicate about, and administer participation in, special events, promotions, programs, offers, surveys, contests and market research;

    • Contact you by telephone, automated calling, mobile devices, email or regular mail based on information you provided to us to process your fulfill request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company.

    • If a partner contacts you and you wish not to be contacted again by that Partner with respect to your inquiry, then you should specifically make a request to that Partner not to contact you again.

    • Respond to inquiries from you and other third-parties, including inquiries from law enforcement agencies;

    • Anonymize or de-identify personal information to provide third parties with aggregated data reports showing anonymized information and other non-personal information;

    • Provide technical support;

    • Generate suggestions about the type of content you may enjoy;

    • Supplement your personal information collected directly from you and/or from automated means with additional information from publicly and commercially available sources, and/or information from Smart Home Lenders affiliates and our business partners;

    • Associate your browser and/or device with other browsers or devices you use for the purpose of providing relevant and easier access to content, advertising across browsers and devices, and other operational/business purposes;

    • Operate, evaluate and improve our business (including developing, enhancing, analyzing and improving our Services; managing our communications; reviewing and processing employment applications, performing data and statistical analytics; and performing accounting, auditing and other internal functions);

    • Protect against, identify and prevent fraud and other unlawful activity, claims and other liabilities;

    • Comply with and enforce applicable legal requirements, relevant industry standards, contractual obligations and our terms of service and other policies; and

    • In other ways for which we provide specific notice at the time of collection.

  • Interest-Based Advertising

    • As described in this Privacy Notice we, as well as our third-party service providers, may obtain information about your online activities to provide you with advertising about products and services tailored to your individual interests. We and our third-party service providers also may obtain information for this purpose from third-party websites and apps. We also use third parties (including third-party ad servers) to serve ads on our Services. We engage third-party advertising networks to help us target our messaging to visitors through interest-based and contextual means.

    • Through these ad networks, we can track your online activities (such as your visits to websites and your use of apps that serve our advertisements, including the pages or ads your view and actions you take on those sites or apps) over time and across third-party websites and apps by obtaining information through automated means, as described above. This data collection takes place both on our sites, apps and emails and on third-party websites and apps that participate in these ad networks. Our third-party advertisers and/or ad networks may also gather data relating to you in connection with your interactions with the advertisements they place on our Services. The networks use this information to show you advertisements on our Services or other third-party websites and apps that may be tailored to your individual interests. This information also helps us track the effectiveness of our marketing efforts. To the extent required by applicable law, we will obtain your consent before using your information for interest-based advertising.

    • The section below entitled Your Choices and Rights provides details on and explains how to exercise your choices regarding interest-based advertising.

Information We Share

  • We may share your personal information with:

    • Our Subsidiaries and Affiliated Businesses. Our subsidiaries and affiliated businesses within the Smart Home Lenders family of companies may use your personal information consistent with this Privacy Notice. Those businesses may also use your personal information for each of their own purposes, including marketing purposes.

    • With our Service Providers. With third parties who perform services on our behalf.

    • With our Clients or Business Partners. With our third-party clients or Business Partners, such as Realtors, Landlords, Contractors, IT Professionals and other Professionals to facilitate your transactions, and other third parties for their own commercial or marketing purposes, such as to serve targeted advertisements.

    • For Legal Requirements and Proceedings. We may disclose information to law enforcement authorities or other government officials if we are required to do so to comply with subpoenas, court orders, legal process or other law enforcement or other government measures, and to comply with other legal obligations. We may also disclose information if we believe disclosure is necessary or appropriate in connection with an investigation of suspected or actual fraudulent or illegal activity.

    • To Protect our Services and Users. We may disclose information to protect and defend the rights, interests and safety of the Services, our subsidiaries and affiliates, and their employees, contractors and agents; to protect the security and safety of our users of the Services, including when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss.

    • For Business Transfers. In the event of a proposed or completed sale or transfer of all or a portion of our business or assets (including in the event of a reorganization, dissolution or liquidation).

    • With Your Consent. We may share your information with select third-party partners with your consent or at your direction so they can send you promotions, ads or offers about their services or products that you may be interested in. We also may give you the option to receive communications from one of our advertising partners, such as when we offer a joint promotion with that third-party advertiser. If you choose to opt in to receiving communications from that third-party advertiser by providing your explicit consent, the third-party advertiser will manage your personal information pursuant to their own privacy policy.

    • Non-personal Information. When the information collected from or about you is not defined as personal information under applicable law, we may share such non-personal, de-identified information or aggregated information with third parties at our discretion.

    • Our business partners:

      1. Google: We participate in Google Analytics to better understand how you use our websites and apps across the various devices you use (such as a laptop or desktop computer, tablet, phone or smart watch) and to deliver tailored promotions. To learn more about how this is done and manage certain choices you have, please visit Google Support for their Privacy Policy and Terms of Service for their opt-out procedure.

      2. Derron Pocci, Licensed Mortgage Loan Originator, NMLS 2176860 and his Affiliates in connection with Real Estate and Mortgage related matters of interest to Derron Pocci. Search current license status, state registry and current company sponsorship at Information shared does not constitute an application for a mortgage loan, nor is it used to pre-qualify you with any lender. Information shared regarding real estate matters of interest to Smart Home Lenders, Derron Pocci, or both, both may use such information to contact you or otherwise with respect to such matters. To opt out please email titled “Business Affiliates Opt Out” or call (619) 808-9684.

    • For information, features, products and services marketed or offered to you jointly or on a coordinated basis by us and a third party, we may share information about you with, or information may be gathered independently by, the third party. In these situations, we will be free to use such information to facilitate such features, products and services (or information about them) being made available to you and as otherwise outlined in this Privacy Notice, and you understand the third party may use the information in different ways. Although not always the case, you often can tell when information, features, products or services are marketed or offered jointly or in coordination with a third party because a portion of the Services often will be “co-branded” in such cases, will display the third party’s logo and/or name (whether or not along with our own), will describe or reference the relationship between us and the third party or will be set up so that you can contact or be linked to the third party or its website to initiate, complete or learn more about the transaction. Please be aware that each company we do business with (including Professionals) has its own policies regarding its use, sharing and protection of information about you and that such policies may differ from those outlined in this Privacy Notice.

Your Choices And Rights

  • We offer you certain choices and you also may have certain rights in connection with the personal information we collect about you.

  • Your Choices

    • You can choose to use Smart Home Lenders Services without providing any information about yourself to us directly, but some information may be collected automatically or be requested by us so that you can take advantage of certain features on our Services.

    • To ask us to remove your information from our marketing mailing lists, please contact us as outlined in the HOW TO CONTACT US Section below. You also can unsubscribe from our marketing mailing lists by following the “Unsubscribe” link in our emails. Even if you unsubscribe from our marketing communications, we may still need to send you communications relating to your use of the Services, such as service announcements where you are using our Service.

    • You also have choices about whether cookies and other similar technologies are placed on your computer or mobile device. For more information, see our section on Cookies and Other Technologies, above.

    • We may use third-party analytics services on our Services, such as Google Analytics. The analytics providers that administer these services use technologies such as cookies, web beacons and similar technologies to help us analyze your use of the Services. To learn more about how to opt out of Google Analytics and similar services, please visit the links below:

      1. Google Analytics:

      2. Wix Website Analytics:

    • You may also choose to opt out of use of data that we or our third-party service providers collect about your activities to provide you with tailored advertising about products and services of interest to you. We and our third-party service providers also may obtain information for this purpose from third-party websites or apps. To learn more about how to opt out of ad network interest-based advertising, please see the section on Cookies and Other Technologies section above or visit the customer opt-out pages at and To learn more about opting out on your mobile device, click here or, for users of our mobile apps, go to our Privacy & Data menu option and review your selections.

  • Accessing, Correcting, And Deleting Your Personal Information

    • Consumers and Professionals may access, review, update, and/or correct inaccuracies in your personal information in our custody and control as described below. Please note that any change you request regarding personal information may affect or otherwise change the availability, deliverability or quality for you of information, features, products or services in which you are interested or your experience on or relating to the Services.

    • Consumers may access and edit their personal information. If you would like us to no longer use information about you or share it with our affiliates, partners or other service providers, for their marketing purposes, please send a request to

    • Professionals may edit their personal information by returning to the area of the Services where they registered and modifying the information there, or by emailing By contacting Smart Home Lenders to make such changes, Professionals expressly authorize Smart Home Lenders to access personal information and any associated data or accounts for the purposes of completing your requested edits, modifications and/or deletions. Note that these options may not apply to a Professional to the extent modified in a separate written agreement signed by an authorized officer of Smart Home Lenders, which agreements may be entered into by Smart Home Lenders in its sole discretion and without notice to others.

  • California Privacy Rights

    • For additional information for residents of the State of California, see section titled “California Privacy Rights” below.

  • Information For Visitors From Canada

    • The Canadian Personal Information Protection and Electronic Documents Act (PIPEDA) provides certain rights to Canadian residents. Under Canadian law, you have a right to access your personal information held by us, subject to applicable exceptions. You may contact us or write to us at the address below to ask us to access and/or correct your information. We may require you to send us proof of your identity before providing you with access to your personal information. If you send us a request to access or correct information, then we will contact you within 30 days (although it may take us longer to fully respond to your request).

    • Our Privacy Notice clearly states how we collect, use and share your personal information. We may share information with third parties, such as subsidiaries, affiliates, business partners and authorized third parties. However, we will only share your information with such parties where we have your explicit consent to do so or, in some cases, where we may infer consent from your actions or behavior. Please contact us at any time to let us know (1) if you do not wish to receive marketing communications (such as emails) from us or our third-party partners, or you otherwise object to our sharing your information with those partners, (2) if you have any questions, or complaints, regarding the collection or use of your personal information or the content of this notice, or (3) if you wish to withdraw your consent to us using your data.

    • If you are not satisfied with our response to your query or complaint, you may also contact the Office of the Information and Privacy Commissioner of Canada.

How We Protect Personal Information

  • We maintain administrative, technical and physical safeguards designed to protect the personal information we have about you against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. However, no data transmission or storage, or use of the Internet, can be guaranteed to be 100% secure.

Transfers Of Information

  • The Services are hosted in and managed from the United States. We may transfer the information we collect about you to another country, which may not be deemed to have the same data protection laws as the country in which you initially provided the information. Applicable laws in the United States and/or other countries may allow the courts, law enforcement and national security authorities to access your personal information when in such country.

  • If you are a user located outside the United States or the country to which your information may be transferred, you understand (and, as permitted under applicable law, consent to) having any personal information processed in the United States and/or such country. When we transfer your information, we will protect that information as described in this Privacy Notice.

Links To Third-Party Site, Apps And Services

  • For your convenience and information, our Services may provide links to third-party sites, apps and services that may be operated by companies not affiliated with Smart Home Lenders. These companies may have their own privacy notices or policies, which we strongly suggest you review. We are not responsible for the privacy practices of any non-Smart Home Lenders sites, apps or services.

Changes To Our Privacy Notice

  • From time to time, we may change our Privacy Notice to reflect changes to our privacy practices and Services. If we modify the Privacy Notice, we will update the “Last Modified Date” and the changes will be effective as of the date we post such Notice. For material changes, we will notify you by posting a prominent notice on our Services indicating at the top of the Privacy Notice when it was most recently updated or by other appropriate means, such as email through the email address you most recently provided to us.

How To Contact Us

  • If you have any questions or comments about this Privacy Notice or the manner in which we or our service providers treat your personal information, would like to exercise your choices, or would like us to update information we have about you or your preferences, please contact us as follows:

Privacy Administrator

Legal Department

Smart Home Lenders

10923 Creekbridge Place

San Diego, CA 92128

Phone: (619) 808-9684


For California Residents:

California Privacy Rights

  • The California Consumer Privacy Act of 2018 (“CCPA”) provides certain rights to residents of California. This section of the Privacy Notice applies if you are a natural person who is a resident of California (“California Consumer”) and use our Services. This notice supplements the information in the above Privacy Notice. Certain terms used below have the meanings given to them in the CCPA.

  • The following sets forth the categories of information we collect and purposes for which we may use California Consumers’ personal information collected by Smart Home Lenders.

Categories of Personal Information We Collect About You

  • The categories of personal information we may have collected about you or your use of our Services are:

    • Identifiers (such as your contact information (name, email address), government identifiers (MLS ID# or similar professional licensing numbers) or unique personal identifiers (device ID, cookies, IP address);

    • Commercial information (such as transaction data or purchase history);

    • Financial information (such as credit card information);

    • Internet or other network or device activity (such as browsing history or app usage);

    • Geo-location information;

    • Professional or employment related information;

    • Education information;

    • Profile data about you and any inferences drawn from the profile data (such as characteristics, behaviors, attitudes);

    • Information that identifies or can be reasonably associated with you.

  • More details on the personal information we may collect are set forth in the Information We Collect and Obtain stated above.

Categories of Sources from Which We Collected Personal Information

  • The sources from which we may have collected personal information about you or your use of the Services are:

    • Directly from you;

    • From other sources (such as Company affiliates and/or business partners);

    • Through your use of the Services; and

    • Publicly available records.

  • and as described in more detail in the Information We Collect and Obtain stated above.

Business or Commercial Purposes for Which We Collected or Sold the Personal Information

  • The business or commercial purposes, as defined under the CCPA, for which we collected or sold the personal information are:

    • performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing advertising or marketing services, providing analytics services, or providing similar services;

    • auditing related to a current interaction with you and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance;

    • short-term, transient use, including, but not limited to, the contextual customization of ads shown as part of the same interaction;

    • detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;

    • debugging to identify and repair errors that impair existing intended functionality;

    • undertaking internal research for technological development and demonstration; and

    • undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us.

  • More details concerning the business and commercial purposes are set forth in the How We Use the Information We Obtain stated above. We may disclose the categories of personal information identified in this California Privacy Notice about our California consumers for our operational purposes where the use of such personal information is reasonably necessary and proportionate to achieve the operational purpose for which the personal information was collected or processed or for another operational purpose that is compatible with the context in which the personal information was collected.

Categories of Third Parties with Whom We Shared the Personal Information

  • The categories of third parties, as defined by the CCPA, with whom we share personal information include our subsidiaries and affiliates; business partners, data analytics provers and third-party marketers (who may combine your personal information with their own records and records available from other sources), for their own business or direct marketing purposes, and the direct marketing purposes of other third-party marketers.

Categories of Personal Information Sold, Shared or Disclosed for a Business Purpose

  • We may sell or disclose for a business purpose (each as defined under CCPA) any or all of the personal information collected from and about you as set forth in the Information We Collect and Obtain and Information We Share.

Your California Privacy Rights

  • If you are a California resident, you may have certain rights. California law may permit you to request that we:

    • Provide you the categories of personal information we have collected or disclosed about you in the last twelve months; the categories of sources of such information; the business or commercial purpose for collecting or selling your personal information; and the categories of third parties with whom we shared personal information.

    • Provide access to and/or a copy of certain information we hold about you.

    • Delete certain information we have about you.

  • You may have the right to receive information about the financial incentives that we offer to you (if any). You also have the right to not be discriminated against (as provided for in applicable law) for exercising certain of your rights. Certain information may be exempt from such requests under applicable law. For example, we need certain types of information so that we can provide the Services to you and for compliance with applicable law. If you ask us to delete certain information, you may no longer be able to access or use the Services.

  • California customers may request, once per year, that we disclose the identity of any third parties with whom we have shared personal information for the third-parties’ direct marketing purposes within the previous calendar year, along with the type of personal information disclosed.

  • If you would like to exercise any of these rights, please contact us at (619) 808-9684 or You will be required to verify your identify before we fulfill your request. You can also designate an authorized agent to make a request on your behalf. To do so, you must provide us with written authorization or a power of attorney, signed by you, for the agent to act on your behalf. You will still need to verify your identity directly with us.

  • You also have the right to opt out of the sale of your personal information. California law broadly defines sale such that it may include allowing third parties to receive certain information, such as cookies, IP address and/or browsing behavior, to deliver targeted advertising. If you would like to opt out, you may do so as outlined in the following section: Do Not Sell My Personal Information

Do Not Sell My Personal Information

  • We may share your personal information with our affiliates, data analytics providers, advertising partners and other third parties as described in more detail in our Privacy Notice. Our advertising partners use and also share this information to tailor and deliver ads to you on our site and our apps or to help tailor ads to you when you visit other sites or apps. Our affiliates, advertising partners and certain other third parties use and may also further share this information for their own purposes. For more details, please see our California Privacy Rights notice.

  • The California Consumer Privacy Act considers some of this information sharing to be a "sale" and gives residents of the state of California the right to prevent businesses from selling their personal information. If you do not wish for us or our third-party partners to sell your personal information to others for such purposes, please indicate your preferences by emailing titled “California Privacy Policy Opt Out”. We will act upon your opt-out request as soon as feasibly possible, but no later than 15 days from the date of your request.

  • If you access this site from other devices or browsers, or clear your cookies on your devices or browsers, you will need to indicate your preferences again from those devices or browsers. Please note that after making your "Do Not Sell" request, you may still see advertising and we may continue to share personal information with our service providers who use such information on our behalf. To learn more about interest-based advertising across sites and additional opt-out choices, you can visit and

  • If you change your mind simply clear the cookies in your browser.

bottom of page