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  • General
  • MLO Directory
ES-Logo-PSD
  • Home
    • About
  • Our Loan Officers
  • Purchase
    • Loan Process
    • Conventional Loans
    • FHA Loans
    • Jumbo Loans
    • Reverse Mortgage Loans
    • VA (Veterans Affairs) Loans
    • USDA Loans
  • Refinance
    • Refinancing Your Home
    • What is Refinancing?
    • Should I Refinance?
    • Types of Refinancing Loans
  • Resources
    • Mortgage Calculator
    • Pre-Approval Application
    • Why Get Pre-Approved?
    • Paperwork You’ll Need
    • The Loan Process
    • Down Payment Guide
    • Glossary
  • Company Portal
  • Consumer Registration
  • Home
    • About
  • Our Loan Officers
  • Purchase
    • Loan Process
    • Conventional Loans
    • FHA Loans
    • Jumbo Loans
    • Reverse Mortgage Loans
    • VA (Veterans Affairs) Loans
    • USDA Loans
  • Refinance
    • Refinancing Your Home
    • What is Refinancing?
    • Should I Refinance?
    • Types of Refinancing Loans
  • Resources
    • Mortgage Calculator
    • Pre-Approval Application
    • Why Get Pre-Approved?
    • Paperwork You’ll Need
    • The Loan Process
    • Down Payment Guide
    • Glossary
  • Company Portal
  • Consumer Registration

This page was last changed on August 2, 2023, last checked on August 2, 2023 and applies to citizens and legal permanent residents of the United States.

1. Introduction

Our website, https://equitysmartloans.com (hereinafter: "the website") uses cookies and other related technologies (for convenience all technologies are referred to as "cookies"). Cookies are also placed by third parties we have engaged. In the document below we inform you about the use of cookies on our website.

We do not sell or share personal information to third parties for monetary consideration; however, we may disclose certain personal information to third parties under circumstances that might be deemed a “sale” or ”Sharing” for residents of California (CPRA). We respect and understand that you may want to be sure that your personal information is not being sold or shared. You may request that we exclude your personal information from such arrangements, or direct us to limit the use and disclosure of possible sensitive personal information, by entering your name and email address below. You may need to provide additional identifying information before we can process your request.

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2. Cookies

When you visit our website it can be necessary to store and/or read certain data from your device by using technologies such as cookies.

2.1 Technical or functional cookies

Some cookies ensure that certain parts of the website work properly and that your user preferences remain known. By placing functional cookies, we make it easier for you to visit our website. This way, you do not need to repeatedly enter the same information when visiting our website and, for example, the items remain in your shopping cart until you have paid. We may place these cookies without your consent.

2.2 Statistics cookies

We use statistics cookies to optimize the website experience for our users. With these statistics cookies we get insights in the usage of our website.

2.3 Marketing/Tracking cookies

Marketing/Tracking cookies are cookies or any other form of local storage, used to create user profiles to display advertising or to track the user on this website or across several websites for similar marketing purposes.

2.4 Social media

On our website, we have included content from Facebook, LinkedIn, Instagram and TikTok to promote web pages (e.g. “like”, “pin”) or share (e.g. “tweet”) on social networks like Facebook, LinkedIn, Instagram and TikTok. This content is embedded with code derived from Facebook, LinkedIn, Instagram and TikTok and places cookies. This content might store and process certain information for personalized advertising.

Please read the privacy statement of these social networks (which can change regularly) to read what they do with your (personal) data which they process using these cookies. The data that is retrieved is anonymized as much as possible. Facebook, LinkedIn, Instagram and TikTok are located in the United States.

3. Placed cookies

Most of these technologies have a function, a purpose, and an expiration period.

  1. A function is a particular task a technology has. So a function can be to "store certain data."
  2. Purpose is "the Why" behind the function. Maybe the data is stored because it is needed for statistics.
  3. The expiration period shows the length of the period the used technology can “store or read certain data."

Google Fonts

Marketing/Tracking

Usage

We use Google Fonts for display of webfonts. Read more

Sharing data

For more information, please read the Google Fonts Privacy Statement.

Marketing/Tracking

Name
Google Fonts API
Expiration
expires immediately
Function
Read user IP address

Google reCAPTCHA

Marketing/Tracking

Usage

We use Google reCAPTCHA for spam prevention. Read more

Sharing data

For more information, please read the Google reCAPTCHA Privacy Statement.

Marketing/Tracking

Name
rc::c
Expiration
session
Function
Read and filter requests from bots
Name
rc::b
Expiration
session
Function
Read and filter requests from bots
Name
rc::a
Expiration
persistent
Function
Read and filter requests from bots

Google Maps

Marketing/Tracking

Usage

We use Google Maps for maps display. Read more

Sharing data

For more information, please read the Google Maps Privacy Statement.

Marketing/Tracking

Name
Google Maps API
Expiration
expires immediately
Function
Read user IP address

YouTube

Marketing/Tracking, Functional

Usage

We use YouTube for video display. Read more

Sharing data

For more information, please read the YouTube Privacy Statement.

Marketing/Tracking

Name
GPS
Expiration
session
Function
Store location data
Name
YSC
Expiration
session
Function
Store and track interaction
Name
PREF
Expiration
8 months
Function
Store user preferences

Functional

Name
VISITOR_INFO1_LIVE
Expiration
6 months
Function
Provide bandwidth estimations

Calendly

Functional

Usage

We use Calendly for content creation. Read more

Sharing data

For more information, please read the Calendly Privacy Statement.

Functional

Name
_calendly_session
Expiration
session
Function
Store user preferences

Facebook

Marketing/Tracking, Functional

Usage

We use Facebook for display of recent social posts and/or social share buttons. Read more

Sharing data

For more information, please read the Facebook Privacy Statement.

Marketing/Tracking

Name
_fbc
Expiration
2 years
Function
Store last visit
Name
fbm*
Expiration
1 year
Function
Store account details
Name
xs
Expiration
3 months
Function
Store a unique session ID
Name
fr
Expiration
3 months
Function
Provide ad delivery or retargeting
Name
act
Expiration
90 days
Function
Store logged in users
Name
_fbp
Expiration
3 months
Function
Store and track visits across websites
Name
datr
Expiration
2 years
Function
Provide fraud prevention
Name
c_user
Expiration
30 days
Function
Store a unique user ID
Name
sb
Expiration
2 years
Function
Store browser details
Name
*_fbm_
Expiration
1 year
Function
Store account details

Functional

Name
wd
Expiration
1 week
Function
Read screen resolution
Name
csm
Expiration
90 days
Function
Provide fraud prevention
Name
actppresence
Expiration
session
Function
Store and track if the browser tab is active

LinkedIn

Marketing/Tracking, Functional

Usage

We use LinkedIn for display of recent social posts and/or social share buttons. Read more

Sharing data

For more information, please read the LinkedIn Privacy Statement.

Marketing/Tracking

Name
bcookie
Expiration
2 years
Function
Store browser details
Name
li-oatml
Expiration
1 month
Function
Provide ad delivery or retargeting
Name
li_sugr
Expiration
3 months
Function
Store browser details
Name
UserMatchHistory
Expiration
30 days
Function
Provide ad delivery or retargeting
Name
lidc
Expiration
1 day
Function
Store performed actions on the website
Name
bscookie
Expiration
2 years
Function
Store performed actions on the website
Name
X-LI-IDC
Expiration
session
Function
Provide functions across pages

Functional

Name
BizographicsOptOut
Expiration
10 years
Function
Store privacy preferences
Name
linkedin_oauth_
Expiration
session
Function
Provide functions across pages

Instagram

Marketing/Tracking

Usage

We use Instagram for display of recent social posts and/or social share buttons. Read more

Sharing data

For more information, please read the Instagram Privacy Statement.

Marketing/Tracking

Name
actppresence
Expiration
1 year
Function
Store ad display frequency

TikTok

Marketing/Tracking, Functional

Usage

We use TikTok for video display. Read more

Sharing data

For more information, please read the TikTok Privacy Statement.

Marketing/Tracking

Name
s_v_web_id
Expiration
session
Function
Store if the user has seen embedded content
Name
MONITOR_WEB_ID
Expiration
3 months
Function
Store if the user has seen embedded content
Name
tt_webid
Expiration
1 year
Function
Store if the user has seen embedded content
Name
tt_webid_v2
Expiration
1 year
Function
Store if the user has seen embedded content
Name
ttwid
Expiration
1 year
Function
Store if the user has seen embedded content
Name
webapp_launch_mode
Expiration
session
Function
Store if the user has seen embedded content
Name
webapp_session_id
Expiration
session
Function
Store a unique session ID
Name
webapp-session-referer
Expiration
session
Function
Store referring website
Name
webapp_tiktok_privious
Expiration
session
Function
Store if the user has seen embedded content
Name
webapp_extra_data
Expiration
session
Function
Provide functions across pages
Name
webapp_original_traffic_type
Expiration
session
Function
Store if the user has seen embedded content
Name
guide-login-config
Expiration
persistent
Function
Store a unique user ID
Name
__tea_cache_tokens_*
Expiration
persistent
Function
Store a unique session ID

Functional

Name
csrf_session_id
Expiration
session
Function
Provide protection against hackers
Name
tt_csrf_token
Expiration
session
Function
Provide protection against hackers
Name
_abck
Expiration
1 year
Function
Provide protection against hackers
Name
webapp-newuser
Expiration
persistent
Function
Store first visit to the site
Name
autoplay-config
Expiration
persistent
Function
Store configuration
Name
webapp-video-mute
Expiration
persistent
Function
Store configuration

Purpose pending investigation

Name
__tea_cache_first_*
Expiration
persistent
Function
Name
f
Expiration
persistent
Function

Miscellaneous

Purpose pending investigation

Usage

Sharing data

Sharing of data is pending investigation

Purpose pending investigation

Name
e_globals
Expiration
Function
Name
cmplz_consenttype
Expiration
365 days
Function
Name
e_kit-elements-defaults
Expiration
Function
Name
tusSupport
Expiration
Function
Name
elementor
Expiration
Function
Name
e_document/global
Expiration
Function
Name
googlesitekit_1.92.0_d4e61644b08478f6e89eeee57becd996_core::user::tracking
Expiration
Function
Name
wordpress_test_cookie
Expiration
Function
Name
PHPSESSID
Expiration
Function
Name
cmplz_consented_services
Expiration
365 days
Function
Name
cmplz_policy_id
Expiration
365 days
Function
Name
cmplz_marketing
Expiration
365 days
Function
Name
cmplz_statistics
Expiration
365 days
Function
Name
cmplz_preferences
Expiration
365 days
Function
Name
cmplz_functional
Expiration
365 days
Function
Name
cmplz_banner-status
Expiration
365 days
Function
Name
tk_ai
Expiration
Function
Name
wp_lang
Expiration
Function
Name
wp-settings-time-6
Expiration
Function
Name
wp-settings-6
Expiration
Function
Name
_gid
Expiration
Function
Name
_ga_1VE07XEBZT
Expiration
Function
Name
_ga
Expiration
Function
Name
wordpress_logged_in_7d121e91f983b3e8ef91455af4d6cd1b
Expiration
Function
Name
WP_DATA_USER_6
Expiration
Function
Name
loglevel
Expiration
Function
Name
wp-autosave-1
Expiration
Function
Name
_ga_DBNPFZQV07
Expiration
Function
Name
wordpress_logged_in_ebf3740dca2d326901befc8398fbf75c
Expiration
Function
Name
WP_PREFERENCES_USER_7
Expiration
Function
Name
wp-settings-time-7
Expiration
Function
Name
wp-settings-7
Expiration
Function
Name
wp-settings-8
Expiration
Function
Name
wp-settings-time-8
Expiration
Function
Name
googlesitekit_1.118.0_94156fe9c7e2acfdbded08b142c72930_core::user::tracking
Expiration
Function
Name
/wp-admin/admin.php-elfinder-toolbarhideswp_file_manager
Expiration
Function
Name
/wp-admin/admin.php-elfinder-lastdirfile_manager_advanced
Expiration
Function
Name
/wp-admin/admin.php-elfinder-toolbarhidesfile_manager_advanced
Expiration
Function
Name
AIOT-rml1
Expiration
Function
Name
/wp-admin/admin.php-elfinder-lastdirwp_file_manager
Expiration
Function
Name
wistia-video-progress-krqb7ckugp
Expiration
Function
Name
wistia-video-progress-95z0cb0yxb
Expiration
Function
Name
wistia-video-progress-j042jylrre
Expiration
Function
Name
persist:hs-beacon-44cc73fb-7636-4206-b115-c7b33823551b
Expiration
Function
Name
wistia-video-progress-803tlui8oi
Expiration
Function
Name
wistia
Expiration
Function
Name
wistia-video-progress-frwm2xrksl
Expiration
Function
Name
wistia-video-progress-fj42vucf99
Expiration
Function
Name
wistia-video-progress-fj7gs031q6
Expiration
Function
Name
wistia-video-progress-z1qxl7s2zn
Expiration
Function
Name
wistia-video-progress-9m1zg8p5wc
Expiration
Function
Name
wpr-show-sidebar
Expiration
Function
Name
wistia-video-progress-7seqacq2ol
Expiration
Function
Name
wpr-hash
Expiration
Function
Name
persist:hs-beacon-message-44cc73fb-7636-4206-b115-c7b33823551b
Expiration
Function
Name
wistia-video-progress-5wrdzcmj90
Expiration
Function
Name
wistia-video-progress-09kolaz9o0
Expiration
Function
Name
wpEmojiSettingsSupports
Expiration
Function
Name
persist:hs-beacon-session-44cc73fb-7636-4206-b115-c7b33823551b
Expiration
Function
Name
wordpress_logged_in_03275aa556fa8a37af4c0b43594537a5
Expiration
Function
Name
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Expiration
Function
Name
ai_promotion_introduction_editor_session_key
Expiration
Function
Name
/wp-admin/admin.php-elfinder-sortTypewp_file_manager
Expiration
Function
Name
/wp-admin/admin.php-elfinder-sortStickFolderswp_file_manager
Expiration
Function
Name
/wp-admin/admin.php-elfinder-sortAlsoTreeviewwp_file_manager
Expiration
Function
Name
/wp-admin/admin.php-elfinder-sortOrderwp_file_manager
Expiration
Function
Name
reloaded
Expiration
Function
Name
cmplz_task_filter
Expiration
365 days
Function
Name
transient_key
Expiration
Function
Name
wistia-video-progress-s599wdduu1
Expiration
Function
Name
ea11y_introduction_notice
Expiration
Function

4. Browser and Device based Consent

When you visit our website for the first time, we will show you a pop-up with an explanation about cookies. You do have the right to opt-out and to object against the further use of non-functional cookies.

4.1 Manage your opt-out preferences

You have loaded the Cookie Policy without javascript support. On AMP, you can use the manage consent button on the bottom of the page.

5. Enabling/disabling and deleting cookies

You can use your internet browser to automatically or manually delete cookies. You can also specify that certain cookies may not be placed. Another option is to change the settings of your internet browser so that you receive a message each time a cookie is placed. For more information about these options, please refer to the instructions in the Help section of your browser.

Please note that our website may not work properly if all cookies are disabled. If you do delete the cookies in your browser, they will be placed again after your consent when you visit our website again.

6. Your rights with respect to personal data

You have the following rights with respect to your personal data:

  • you may submit a request for access to the data we process about you;
  • you may object to the processing;
  • you may request an overview, in a commonly used format, of the data we process about you;
  • you may request correction or deletion of the data if it is incorrect or not or no longer relevant, or to ask to restrict the processing of the data.

To exercise these rights, please contact us. Please refer to the contact details at the bottom of this Cookie Policy. If you have a complaint about how we handle your data, we would like to hear from you.

For more information about your rights with respect to personal data, please refer to our Privacy Statement

7. Contact details

For questions and/or comments about our Cookie Policy and this statement, please contact us by using the following contact details:

Pablo Martinez
1499 Huntington Dr South Pasadena, CA 91030
United States
Website: https://equitysmartloans.com
Email: info@ex.comequitysmartloans.com
Phone number: 323-258-4317

This Cookie Policy was synchronized with cookiedatabase.org on October 24, 2022.

Headquarters
1499 Huntington Dr Suite #500

South Pasadena CA 91030

United States
Call us now: (323) 258-4317

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NMLS# 856170
DRE# 01906808
equal-housing-lender-white
Legal Disclaimer |
NMLS CONSUMER ACCESS

Purchase

  • Loan Programs
  • Conventional Loans
  • FHA Loans
  • VA Loans
  • Jumbo Loans
  • USDA Loans

Refinance

  • Home Refinancing
  • Types of Refi Loans

About

  • About Us
  • Careers
  • Licensing
  • Employee Log-in

Resources

  • Mortgage Calculator
  • Pre-Approval Form
  • Glossary
  • Privacy Policy
  • Terms & Conditions
  • Anthem
  • Kaiser

TEXAS CONSUMERS ONLY:
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

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