Privacy Policy

Smart Lending – Privacy Policy

Effective Date: August 2025
Last Updated: August 2025

1. Introduction

Smart Lending Corporation (“Smart Lending,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you use our website, applications, and services (collectively, the “Services”).

This Policy applies to all visitors, applicants, and customers. By using our Services, you agree to the practices described in this Policy.

2. Information We Collect

We may collect the following categories of personal information from you or about you:

A. Identifiers

  • Name, alias, postal address, email address, telephone number, IP address, online identifiers.

B. Personal Information Categories Listed in State Privacy Laws

  • Social Security number, date of birth, driver’s license number, passport number, other government identifiers.

C. Financial Information

  • Income, employment information, pay frequency, bank account information, credit information, outstanding debts.

D. Commercial Information

  • Loan application history, loan offers viewed or accepted, records of products or services obtained.

E. Internet or Other Network Activity

  • Browsing history, search history, interactions with our website or advertisements.

F. Geolocation Data

  • Approximate location derived from IP address.

G. Audio/Visual Information

  • Call recordings, chat transcripts.

H. Professional or EmploymentRelated Information

  • Employment history, job title, employer name.

I. Inferences

  • Profiles reflecting your preferences, characteristics, creditworthiness, and likelihood of repayment.

3. How We Collect Information

We collect personal information in the following ways:

  • Directly from you when you apply for a loan or submit an inquiry.
  • From credit reporting agencies when you authorize us to obtain your credit report.
  • From service providers who assist us in delivering the Services.
  • Automatically through cookies, web beacons, and similar technologies when you interact with our website.
  • From public databases and lawful thirdparty sources.

4. How We Use Information

We may use your personal information to:

  • Process and evaluate your loan inquiry or application.
  • Match you with loan offers from our lending partners.
  • Verify your identity and prevent fraud.
  • Communicate with you about your inquiry, application, or account.
  • Provide you with information and offers you may be interested in.
  • Comply with legal obligations and regulatory requirements.
  • Improve our Services and customer experience.

5. Credit Report Authorization

When you submit an inquiry or application, you authorize Smart Lending, its lending partners, and its technology service providers to obtain your consumer credit report from one or more credit reporting agencies. This inquiry will be a soft credit pull and will not affect your credit score.

We use this information to determine your eligibility for financial products and services.

6. How We Share Information

We may share your personal information with:

  • Lending Partners – to provide loan offers and related services.
  • Service Providers – to help us operate, provide, and improve our Services.
  • Credit Reporting Agencies – when needed for application processing.
  • As Required by Law – in response to court orders, subpoenas, and regulatory requests.
  • With Your Consent – in any other circumstance where you direct us to share your information.

We do not sell your personal information as defined by applicable law.

7. Your Privacy Rights

Depending on your state of residence, you may have the right to:

  • Access – Request a copy of the personal information we have collected about you.
  • Correct – Request corrections to inaccurate information.
  • Delete – Request deletion of your personal information.
  • OptOut – Opt out of certain sharing of personal information.
  • Limit Use of Sensitive Personal Information – In applicable states.

To exercise these rights, contact us at:
Email: privacy@smartlending.com
Phone: 866-2014-0004

We will respond within the time frames required by law.

8. Cookies & Tracking Technologies

We use cookies, web beacons, and similar technologies to:

  • Improve site functionality and performance.
  • Measure marketing campaign effectiveness.
  • Personalize your user experience.

You may adjust your browser settings to refuse cookies, but this may affect your ability to use certain site features.

9. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission over the internet or storage system can be guaranteed to be 100% secure.

10. Retention of Information

We retain personal information as long as necessary to:

  • Provide our Services.
  • Comply with legal and regulatory requirements.
  • Resolve disputes and enforce agreements.

11. Children’s Privacy

Our Services are not intended for children under 18, and we do not knowingly collect personal information from minors.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Any updates will be posted on our website with a revised “Last Updated” date. Your continued use of our Services constitutes acceptance of the updated Policy.

13. Contact Information

If you have questions about this Privacy Policy or our privacy practices, contact us at:

Smart Lending Corporation
1111 6th Ave. STE 300, San Diego, CA 92101

Email: privacy@smartlending.com
Phone: 866-214-0004

Other Topics:

Smart Leading | SmartLending.com cannot guarantee the lowest rate or that people with poor credit will be approved for a home loan program. Interest rates are subject to change and not all loan products may be available in all states.

Smart Lending is a finance marketing company and does not make loans or guarantee rate locks, rather we connect consumers with trusted lenders, bankers, and credit unions.

Smart Lending © 1999 – 2023 and Beyond, All rights reserved.

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Terms and conditions apply. SMARTLENDING RESERVES THE RIGHT TO MODIFY OR DISCONTINUE LOAN PRODUCTS & BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet the associated lenders underwriting requirements. Not all borrowers receive the lowest interest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, credit score, income, and other factors. If SmartLending matches you for a loan with a participating bank, then your rate may be applicable to rates at that time. Rates and Terms are subject to change at any time without notice. Personal Loans can be used for any lawful personal, family, or home purposes. See legal site for state-specific license details from participating lenders.