Privacy Policy

1. WHO WE ARE

SmartFindsToday is a digital media and advertising platform that publishes informational articles and connects readers with third-party financial service providers, including mortgage lenders, home equity lenders (HELOC providers), debt relief companies, credit counseling services, and related financial offers.

Important: SmartFindsToday is not a lender, mortgage broker, or financial institution. We do not make loans, credit decisions, or provide financial advice. We are a marketing and lead generation service that connects consumers with licensed lending partners.

2. INFORMATION WE COLLECT

A. Information You Provide Directly:

When you interact with our site or click through to partner offers, you may provide:

• Contact information (name, email address, phone number, mailing address)
• Property information (address, property type, estimated home value, mortgage balance)
• Financial information (income, employment status, debt amounts, credit score range)
• Demographic information (age, date of birth, state of residence)
• Loan preferences (desired loan amount, loan purpose)
• Any other information you choose to provide through forms or communications

B. Information Collected Automatically:

• IP address, browser type, device type, operating system
• Pages visited, time spent on site, referring URLs
• Cookie data and similar tracking technologies
• Location data (approximate, based on IP address)

3. HOW WE USE INFORMATION

We use collected information to:

• Operate, maintain, and improve our website and services
• Connect you with relevant third-party financial service providers, including mortgage lenders and home equity lenders
• Transmit your information to lending partners who may contact you about loan options
• Analyze site traffic, user behavior, and advertising performance
• Send communications about services you’ve requested
• Comply with legal obligations and enforce our Terms of Service
• Prevent fraud and maintain security

4. HOW WE SHARE INFORMATION

A. Third-Party Service Providers:

When you click on offers, submit forms, or request information about financial services, your information is shared with:

• Mortgage lenders and brokers
• Home equity lenders (HELOC providers)
• Lead aggregators and networks (such as QuinStreet and similar partners)
• Debt relief companies
• Credit counseling services
• Other financial service providers
• Marketing partners and lead buyers
• Analytics and advertising platforms

These third parties operate under their own privacy policies and may contact you via phone, email, SMS, or mail. SmartFindsToday does not control how these partners use your information after it is shared.

B. Mortgage & Home Equity Partners:

When you complete forms related to mortgage, refinance, or home equity products, your information may be shared with licensed mortgage lenders, loan brokers, and lead aggregators who may contact you about loan options. These partners are subject to federal and state lending regulations, including the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), and state licensing requirements.

C. Advertising Partners:

We work with advertising platforms including Meta (Facebook), Google, and other ad networks. These partners use tracking technologies to measure campaign performance and deliver targeted advertising.

D. Legal Requirements:

We may disclose information to comply with legal obligations, court orders, or government requests, or to protect our rights and safety.

E. Business Transfers:

If SmartFindsToday is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. ADVERTISING & TRACKING TECHNOLOGIES

We and our partners use cookies, pixels, web beacons, and similar technologies for:

• Analytics and performance measurement
• Targeted advertising and retargeting
• Conversion tracking
• User experience optimization

You can control cookies through your browser settings. To opt out of interest-based advertising, visit:

• Digital Advertising Alliance: https://optout.aboutads.info/
• Network Advertising Initiative: https://optout.networkadvertising.org/

Note: Opting out does not mean you will see fewer ads, only that they may be less relevant to you.

6. FINANCIAL INFORMATION & LENDING SERVICES

We recommend reviewing the privacy policies of any service providers before sharing sensitive information.

Mortgage & HELOC Specific Disclosures:

• SmartFindsToday is not a lender and does not make loan or credit decisions
• We do not guarantee any specific interest rates, loan terms, or approval
• Loan terms, rates, and availability vary by lender and are subject to credit approval
• Your actual rate and terms will be determined by the lender based on your creditworthiness and other factors
• Not all consumers will qualify for advertised rates or loan products

7. TELEPHONE CONSUMER PROTECTION ACT (TCPA) CONSENT

By submitting your information through our forms, you provide express written consent for SmartFindsToday and its marketing partners, and their network of lenders and service providers, to contact you at the phone number provided. This includes:

• Calls and text messages (including autodialed and prerecorded messages)
• Contact for marketing purposes related to financial products and services
• Contact even if your number is on a state or federal Do Not Call list

Consent is not required as a condition of purchasing any goods or services. You may revoke consent at any time by contacting us or replying STOP to any text message.

8. EMBEDDED CONTENT & THIRD-PARTY LINKS

Our site may contain:

• Embedded videos, images, or interactive content from third parties
• Links to external websites and services
• Offers from partner companies

These third parties may collect data about you according to their own policies. SmartFindsToday is not responsible for the privacy practices or content of external sites.

9. DATA RETENTION

We retain personal information only as long as necessary to:

• Provide our services and fulfill the purposes described in this policy
• Comply with legal, accounting, or reporting requirements
• Resolve disputes and enforce our agreements

When information is no longer needed, we delete or anonymize it.

10. YOUR RIGHTS & CHOICES

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal obligations)
• Opt out of marketing communications
• Object to certain data processing activities

To exercise these rights, contact us at support@smartfindstoday.com with “Privacy Request” in the subject line.

11. DO NOT SELL MY PERSONAL INFORMATION (CALIFORNIA & OTHER STATES)

We share personal information with third-party partners as described in this policy. Depending on your state of residence, this may be considered a “sale” under state privacy laws.

California residents and residents of other states with applicable privacy laws have the right to:

• Know what personal information is collected and how it’s used
• Request deletion of personal information
• Opt out of the “sale” or “sharing” of personal information
• Not be discriminated against for exercising privacy rights

To exercise these rights, email support@smartfindstoday.com with “CCPA Request” or “Privacy Rights Request” in the subject line, and include your state of residence.

12. CHILDREN’S PRIVACY

Our services are intended for adults aged 18 and over. We do not knowingly collect information from anyone under 18 years of age. If you believe we have collected information from a minor, contact us immediately at support@smartfindstoday.com.

13. SECURITY

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no online service is completely secure. We cannot guarantee absolute security of information transmitted over the internet.

14. INTERNATIONAL USERS

Our services are operated from the United States. If you are accessing our site from outside the U.S., your information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.

15. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated “Last Updated” date. Continued use of our site after changes constitutes acceptance of the revised policy.

16. CONTACT US