SmarterCredit.com
Online privacy policy

Last updated: September 25, 2023

This website is not directed to visitors from outside of the United States. If you reside outside of the United States, please refrain from accessing or using our website.

Your consent

This Privacy Policy sets forth the Website’s current policies and practices with respect to nonpublic personal information of the users of the Website. By using this Website, you agree with the terms of this Privacy Policy. Whenever you submit information via this Website, you consent to the collection, use, and disclosure of that information in accordance with this Privacy Policy.

At Smarter Credit, we put the needs of our visitors and clients first. The information gathered from you on our website includes personal information such as your name, address, phone number(s), and email address is stored in our in-house database and is used to contact you in response to your inquiries. If you hire us, any information shared electronically is subject to this Privacy Policy.

PLEASE READ THE FOLLOWING PRIVACY POLICY (OTHERWISE NOTED AS THIS “AGREEMENT”) CAREFULLY BEFORE USING THE WEBSITE; BY USING THIS WEBSITE, YOU SIGNIFY YOUR ASSENT TO THIS AGREEMENT. IF YOU DO NOT ASSENT TO THIS AGREEMENT, PLEASE DO NOT USE THIS WEBSITE.

Collection of your personal information

In order to better provide you with services offered, Smarter Credit may collect personally identifiable information, such as, without limitation, your:

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain services, including, without limitation, expressing interest in consumer loan programs and related loan pre-qualification offers and services. We will use your information for, without limitation, communicating with you in relation to services you have requested from us. We may also gather additional personal or non-personal information in the future.

Use of your personal information

Smarter Credit collects and uses your personal information to operate and deliver the services you have requested. Smarter Credit may also use your personally identifiable information to inform you of other products or services available from Smarter Credit and its affiliates.

Sharing information with third parties

Smarter Credit does not sell, rent, or lease its customer or client lists to third parties. 

Smarter Credit may share data with trusted partners to help perform statistical analysis, send you email or postal mail, or provide customer and client support. All such third parties are prohibited from using your personal information except to provide these services to Smarter Credit, and they are required to maintain the confidentiality of your information.

Smarter Credit may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Smarter Credit or the Website; (b) protect and defend the rights or property of Smarter Credit; and/or (c) act under exigent circumstances to protect the personal safety of users of Smarter Credit, or the public.

Passive information collection/cookies

As you navigate through a website, certain information can be passively collected (that is, gathered without you actively providing the information) using various technologies and means, such as Internet Protocol addresses, cookies, Internet tags, and navigational data collection.

This Website may use Internet Protocol (IP) addresses. An IP Address is a number assigned to your computer by your Internet service provider so you can access the Internet and is generally considered to be non-personally identifiable information, because in most cases an IP address is dynamic (changing each time you connect to the Internet), rather than static (unique to a particular user’s computer). We use your IP address to diagnose problems with our server, report aggregate information, determine the fastest route for your computer to use in connecting to our Website, and administer and improve services to our consumers.

A “cookie” is a bit of information that a website sends to your web browser that helps the site remember information about you and your preferences.

“Session cookies” are temporary bits of information that are erased once you exit your web browser window or otherwise turn your computer off. Session cookies are used to improve navigation on websites and to collect aggregate statistical information. This Website uses session cookies.

“Persistent cookies” are more permanent bits of information that are placed on the hard drive of your computer and stay there unless you delete the cookie. Persistent cookies store information on your computer for a number of purposes, such as retrieving certain information you have previously provided (e.g., username), helping to determine what areas of the website visitors find most valuable, and customizing the website based on your preferences. This Website uses persistent cookies.

“Internet tags” (also known as single-pixel GIFs, clear GIFs, invisible GIFs, and 1-by-1 GIFs) are smaller than cookies and tell the website server information such as the IP address and browser type related to the visitor’s computer. This Website uses Internet tags. “Navigational data” (“log files,” “server logs,” and “clickstream” data) and “Internet Tags” are used for system management, to improve the content of the site, market research purposes, and to communicate information to visitors. This Website uses navigational data.

Embedded content from other websites

Articles on this site may include embedded content (e.g., videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Security

We care about protecting the security of your personal information, and we have implemented security procedures to protect the personal information that you provide to us. However, no method of transmitting or storing electronic data is ever completely secure, and we cannot guarantee that such information will never be accessed, used, or released in a manner that is inconsistent with this policy. Some of the measures we take are:

While we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations of the internet which are beyond our control; (b) the security, integrity, and privacy of any and all information and data exchanged between you and us through this Website cannot be guaranteed; and (c) any such information and data may be viewed or tampered with in transit by a third party. Moreover, where you may be required to use passwords, or other special access features on this Website, it is your responsibility to safeguard them.

Your choices regarding your personal information; opting out

Smarter Credit does not claim ownership of the “content” (in the form of data, text, software, music, sound, photographs, graphics, video, messages or other materials) you provide to Smarter Credit (including feedback and suggestions) or post, upload, privately transmit, input or submit to any Smarter Credit site or service for review by the general public. However, by posting, uploading, or making available content or any other material, you grant Smarter Credit and its affiliate sites permission to use your submission in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your submission, and to publish your name in connection with your submission.

1.Unsubscribing to marketing communications

If you no longer wish to receive bulletins, updates, or other marketing-related materials from us, you can opt out of this Service by either (i) following the “unsubscribe” instructions located near the bottom of each email message, or (ii) contacting us as provided in Contact Information below.

2. Discretionary account information

To allow appropriate control over Personal Information, you can view, change, or update discretionary information that you have previously submitted by contacting us as provided in Contact Information below.

3. Access, deletion, and do-not-sell requests

DEPENDING ON YOUR STATE OF RESIDENCE AND WHETHER AN EXEMPTION APPLIES, YOU MAY REQUEST ACCESS TO YOUR PERSONAL INFORMATION, DELETION OF SAME AND THAT WE NOT SHARE YOUR PERSONAL INFORMATION. SMARTER CREDIT DOES NOT SELL, RENT, OR LEASE ITS CUSTOMER LISTS TO THIRD PARTIES.

Specifically, we provide the following rights with respect to your Personal Information:

A. Copy of personal information

You may request a copy of the following: (i) the categories of Personal Information we collected about you; (ii) the categories of sources from which the Personal Information is collected; (iii) the business or commercial purpose for collecting or selling (if applicable) the Personal Information; (iv) the categories of third parties with whom we share Personal Information; and (v) the specific pieces of Personal Information we have collected about you.

B. Deletion of personal information

You may request that we delete your Personal Information. Note that deletion requests are subject to a number of limitations, for example, we may keep Personal Information as permitted by law, such as for tax or other record keeping purposes, to maintain an active account, to process transactions and facilitate customer requests, and for other internal business purposes consistent with the terms under which it was collected.

C. Do-Not-Sell requests

You may request that we do not share or sell your Personal Information with third parties to be used for purposes not described in this Privacy Policy. The California Consumer Privacy Act refers to this as a “Do Not Sell” request. Smarter Credit only seeks to share Personal Information with service providers and others described above for purposes identified in this Privacy Policy. Please note, however, that online activity information or anonymous information collected by service providers providing pixels or other third party technologies on our Website could potentially be used by those service providers for their own purposes, some of whom may be able to associate such information with you based on other information they have collected independently (not from Smarter Credit). We will endeavor to block such sharing upon request.

D. Submission of requests

You can submit any of these requests by contacting us at 888-562-6766 or e-mailing us at info@smartercredit.com. You may authorize another person (your “Agent”) to submit a request on your behalf the same way. Shortly after you (or your Agent) submit a request, we will contact you (usually via email) with instructions on how to verify the submitted request before we fulfill it or advise you of an exemption. Please be advised that these requests are unrelated to your ability to opt out of marketing communications, which can be done as provided above.

E. Response to requests

Please be advised that Smarter Credit will fulfill these requests in its reasonable discretion and in a manner consistent with any applicable law. Likewise, we will aim to complete such requests as soon as reasonably practicable and in a manner consistent with any applicable law. If you otherwise have concerns or objections with our processing of your Personal Information, please contact us as provided in Contact Information below.

CALIFORNIA DO NOT TRACK DISCLOSURES

How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?

We currently do not respond to DNT signals in browsers.

No.

Right to non-discrimination

Exercising any right pursuant to the CCPA (to the extent applicable) solely shall not result in a denial of goods or services or result in disparate delivery of service or pricing.

Children’s privacy

Smarter Credit’s Service does not address and is not intended for anyone under the age of 17. Smarter Credit does not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided Smarter Credit with Personal Data, please contact us. If Smarter Credit becomes aware that it collected Personal Data from anyone under the age of 13 without verification of parental consent, the company takes all reasonable steps to remove that information from Smarter Credit’s servers.

E-mail communications

From time to time, Smarter Credit may contact you via email for the purpose of providing announcements, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Smarter Credit or click on a link therein.

Changes to this privacy policy

Smarter Credit reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our website, and/or by updating any privacy information. Your continued use of the Website and/or Services available after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

Contact information

Smarter Credit welcomes your questions or comments regarding this Statement of Privacy. If you believe that Smarter Credit has not adhered to this Statement, please contact Smarter Credit at:

Smarter Credit
222 S. Main Street, 5th Floor
Salt Lake City, UT 84101
Email address: info@smartercredit.com
Telephone number: 888-562-6766