Safeguarding your privacy is important to us. This Online Privacy Policy explains how Equity Smart Home Loans Inc. ("Company," "we," "us," or "our") collects, uses, shares, and protects nonpublic personal information ("NPI") and personal information obtained through our website, www.equitysmartloans.com, in connection with providing mortgage-related products and services.

We maintain administrative, technical, and physical safeguards designed to protect the confidentiality and security of your information and to comply with applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act ("GLBA") and California privacy requirements.

Information We Collect

Information You Provide Directly

We collect information you voluntarily provide through online forms, loan applications, email inquiries, phone conversations, or other interactions with us. This may include, but is not limited to:

• Name, address, phone number, and email address
• Date of birth
• Social Security number or other government-issued identifiers
• Employment and income information
• Asset, credit, and financial information
• Information related to mortgage inquiries or applications

Information About Your Transactions With Us

We may collect information regarding your interactions and transactions with us, including:

• Loan inquiry and application details
• Account history and status
• Communications and correspondence
• Records of services provided

Information From Third Parties

We may obtain information from third parties in connection with evaluating and processing your mortgage request, including:

• Credit reporting agencies
• Employers
• Financial institutions
• Verification and identity-authentication providers
• Service providers assisting with mortgage processing

Website & Technical Information

When you visit our website, we may automatically collect certain technical information, including:

• IP address
• Device type and operating system
• Browser type
• Pages viewed and interactions with forms
• Date and time of access

Cookies and Tracking Technologies

Our website uses cookies, pixels, tags, analytics tools, and similar tracking technologies to:

• Enable core website functionality
• Analyze website usage and performance
• Improve security and user experience

We may use third-party analytics and technology providers, including Google Analytics, Meta/Facebook tracking tools, and CRM or marketing automation platforms. These providers may collect information in accordance with their own privacy policies.

You may control cookie preferences through your browser settings. Disabling cookies may limit certain website features.

How We Use Your Information

We use personal information and nonpublic personal information (NPI) for purposes including:

• Responding to inquiries and requests
• Providing mortgage products and services
• Verifying identity and submitted information
• Processing applications and evaluating eligibility
• Communicating regarding your loan or inquiry
• Maintaining internal records and audit trails
• Complying with legal, regulatory, and reporting obligations
• Detecting and preventing fraud or unauthorized access
• Improving website performance, functionality, and security

Information We Share

We do not sell personal information and do not share personal information for marketing purposes with non-affiliated third parties.

We may disclose information, as permitted or required by law, to:

• Service providers assisting with mortgage processing, underwriting, closing, servicing, or compliance
• Credit reporting agencies
• Investors, lenders, or secondary market participants
• Government agencies, regulators, and law enforcement authorities
• Technology, hosting, data security, and website service providers

All service providers are required to maintain the confidentiality of information and use it only for authorized purposes.

Data Retention

We retain personal information and nonpublic personal information (NPI) only as long as reasonably necessary to:

• Fulfill the purposes for which the information was collected
• Comply with legal, regulatory, and record-retention requirements

Mortgage-related records may be retained for up to five (5) years or longer if required by law.

Data Security

We employ reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, or disclosure. These safeguards include secure systems, restricted access, encryption where appropriate, and internal compliance procedures.

Despite our efforts, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Third-Party Links

Our website may contain links to third-party websites. We do not control and are not responsible for the content, security, or privacy practices of those sites. We encourage you to review the privacy policies of any third-party websites you visit.

Children’s Privacy

Our website is not directed to children under the age of 13, and we do not knowingly collect personal information from children. If we become aware that information has been collected from a child under 13, we will take appropriate steps to delete it.

Your Privacy Rights

General Rights

You may request access to, correction of, or information about the personal data we maintain about you by contacting us using the information below.

California Privacy Rights (CCPA/CPRA)

If you are a California resident, you may have the right to:

• Request disclosure of the categories and specific pieces of personal information we have collected about you
• Request correction of inaccurate personal information
• Request deletion of personal information, subject to legal exceptions
• Opt out of the sale or sharing of personal information (note: we do not sell or share personal information for advertising purposes)
• Not be discriminated against for exercising your privacy rights

To submit a privacy request, contact us using the information below. We may need to verify your identity before processing your request.

California “Shine the Light” Disclosure

California residents may request information regarding disclosures of personal information to third parties for their direct marketing purposes, if applicable. We do not disclose personal information for such purposes.

Do Not Track Signals

Our website does not currently respond to “Do Not Track” browser signals. However, we do not sell personal information or engage in targeted advertising based on cross-site tracking.

Contact Information

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact:

Equity Smart Home Loans Inc.
1499 Huntington Drive #500
South Pasadena, CA 91030
Phone: 323-258-4317
Email: compliance@equitysmartloans.com

Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date.

Effective Date: 1/1/2026