State Specific Notices & Disclosures

Smart Lending – State Specific Notices & Disclosures

For CA, CO, CT, NV, UT, VA, VT

Effective Date: August 2025
Last Updated: August 2025

This document supplements Smart Lending’s Terms & Conditions and Privacy Policies. It contains information required under certain state laws and applies to consumers residing in those states.

1. California Privacy Rights (“Shine the Light” Law)

Under California Civil Code Section 1798.83, California residents have the right to request information regarding our disclosure of personal information to third parties for their direct marketing purposes.
To make a request, please contact us at:
Email: privacy@smartlending.com
Phone: 866-214-0004
Mail: Smart Lending Corportaion – Privacy Department

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

2. California Consumer Privacy Act (CCPA/CPRA)

California residents have additional privacy rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), including the right to:

  • Know what personal information we collect.
  • Request deletion of personal information.
  • Correct inaccurate personal information.
  • Opt out of the sale or sharing of personal information.
  • Limit the use of sensitive personal information.

Please see our California Consumer Privacy Policy for details and instructions on exercising these rights.

3. Vermont Residents

We will not share information about your creditworthiness with our affiliates except as permitted by Vermont law, and we will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

4. Nevada Residents – Do Not Call

You may request to be placed on our internal “Do Not Call” list at any time by:

  • Calling: 866-214-0004
  • Emailing: privacy@smartlending.com

Nevada law requires that we provide you with this contact information for the Nevada Attorney General’s Office:
Office of the Nevada Attorney General
555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101
Phone: (702) 4863132
Email: BCPINFO@ag.state.nv.us

5. Military and Public Safety Officials

If you are a current or former member of the U.S. military or a public safety official (such as a law enforcement officer or judge) and are entitled to additional privacy protections under state or federal law, you may request that we limit the display of your personal contact information. Contact us at privacy@smartlending.com for more details.

6. Colorado, Connecticut, Utah, and Virginia Residents

You may have additional rights under your state’s consumer privacy laws, which may include:

  • The right to confirm whether we process your personal information.
  • The right to access your personal information.
  • The right to correct inaccuracies.
  • The right to delete personal information.
  • The right to obtain a copy of your personal information in a portable format.
  • The right to opt out of targeted advertising and certain profiling activities.

Please refer to our Privacy Policy and California Consumer Privacy Policy for details and instructions on how to exercise these rights.

7. Contact Information

For all privacyrelated requests, please contact:

Smart Lending Corporation – Privacy Department
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.