Effective Date: March 25, 2025
Introduction Smart Loan Savings is committed to maintaining compliance with all applicable federal and state laws and regulations, including those related to data privacy, consumer protection, financial services, and electronic communications. This Compliance & Disclosure statement outlines our practices and obligations under relevant laws.
Federal Compliance
- Gramm-Leach-Bliley Act (GLBA): We comply with the GLBA by protecting nonpublic personal information and providing clear and accurate privacy notices to consumers. Our data security practices are designed to safeguard sensitive information from unauthorized access or disclosure.
- Right to Financial Privacy Act (RFPA): We protect your financial data and only disclose it to government authorities as required by law, with appropriate notifications where applicable.
- CAN-SPAM Act: We adhere to the CAN-SPAM Act by including opt-out mechanisms in marketing emails, accurately identifying the sender, and clearly labeling promotional content.
State Compliance
- California Consumer Privacy Act (CCPA): We uphold the privacy rights of California residents by allowing them to opt out of data sharing and request deletion of personal information. Our privacy practices are designed to meet or exceed CCPA requirements.
- California Financial Information Privacy Act (CFIPA): We obtain explicit consent from consumers before sharing nonpublic personal information with nonaffiliated third parties.
- South Carolina Financial Identity Fraud and Identity Theft Protection Act: We implement robust data security measures to protect against identity theft and financial fraud. In the event of a data breach, we will promptly notify affected individuals as required.
- South Carolina Insurance Data Security Act: We maintain a comprehensive information security program to protect nonpublic personal information handled during financial transactions.
Licensing InformationSmart Loan Savings operates in compliance with state regulations. Licensing information is available upon request.
Affiliate and Financial DisclosuresSmart Loan Savings may receive compensation from lenders featured on our site. This does not affect the terms or rates offered by lenders.
Clear DisclaimersSmart Loan Savings is not a lender. We connect consumers with licensed mortgage providers who can assist with loan options.
Data Integrity and AccuracyWe are committed to maintaining accurate and up-to-date information. If you believe any information we hold about you is incorrect, please contact us at info@smartloansavings.com to request corrections.
Dispute ResolutionAny disputes arising from the use of our services or website will be handled through binding arbitration, in accordance with applicable laws, to ensure fair and efficient resolution.
Contact UsIf you have questions or concerns regarding our compliance or data handling practices, please reach out to us at:
For more information, please also review our Privacy Policy and Terms of Use.