Safeguarding your privacy is important to us. This Online Privacy Policy explains how we collect, use, share, and protect nonpublic personal information (“NPI”) obtained through our website in connection with providing mortgage-related services. We maintain administrative, technical, and physical safeguards designed to protect the confidentiality of your information and to comply with applicable federal and state privacy requirements.

Information We Collect

1. Information You Provide Directly

Includes information submitted through online forms, applications, email inquiries, or conversations. Examples: name, address, phone, email, employment details, income, and other financial information.

2. Information About Your Transactions With Us

Includes loan inquiry details, application information, account history, and communication records.

3. Information From Third Parties

Includes information from credit reporting agencies, employers, financial institutions, and service providers for verification and eligibility assessment.

4. Website & Technical Information

Includes IP address, device type, browser details, pages viewed, and interactions with forms. Used to secure and improve the website.

Cookies and Tracking Technologies

Our website uses cookies, tags, pixels, and similar tracking technologies to operate the site, enhance functionality, and analyze usage. Browser settings may be used to control cookies, though disabling them may impact site function.

We use third-party services such as Google Analytics to analyze website traffic and usage patterns, and Google reCAPTCHA to help protect our website from fraud, spam, and automated abuse. These services may collect information such as IP address, device and browser information, pages visited, and interaction data in accordance with Google's privacy practices.

How We Use Your Information

We may disclose information to:

• Respond to inquiries and provide mortgage services
• Verify identity and submitted data
• Process applications and evaluate eligibility
• Maintain internal business and regulatory records
• Comply with legal, reporting, and audit requirements
• Improve website security and performance

Information We Share

We do not sell or share information with non-affiliated third parties for marketing purposes.

We use information to:

• Service providers assisting in mortgage processing
• Credit reporting agencies
• Investors, lenders, or other third parties as permitted by law
• Government agencies and regulators, when required
• Technology/security vendors supporting our website

Data Retention

We retain personal information only as long as necessary to meet the purpose for which it was collected or to satisfy legal, regulatory, and record-keeping obligations.

Third-Party Links

Our website may link to third-party websites. We do not control and are not responsible for their content, security, or privacy practices. Review the privacy policy of any site you visit.

Your Privacy Rights and Contact Information

If you have questions about our privacy practices or wish to request information or corrections, contact:

Equity Smart Home Loans
Attn: Compliance Officer
Email: compliance@equitysmartloans.com

Changes to This Policy

This policy may be updated periodically. Changes will be posted on this page with a revised effective date.

Effective Date: January 27, 2026