Privacy Policy

Effective Date: 9/25/2024

1. Introduction

Lendsmart Mortgage LLC. Powered By American Pacific Mortgage Corp. ("we," "our," or "us") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and share information when you visit our website http://www.jenzakarasmortgage.com ("Site"), apply for a mortgage, or use any of our services. This policy also outlines your rights under the California Consumer Privacy Act (CCPA) if you are a resident of California.

2. Information We Collect

We may collect the following types of information:

A. Personal Information

• Name, email address, phone number, mailing address
• Social Security Number
• Employment details
• Financial information such as income, credit history, and bank account details
• Property details (e.g., purchase price, location)

B. Non-Personal Information

• Browser type and version
• IP address
• Operating system
• Pages you visit on our Site
• Time and date of your visit

3. How We Use Your Information

We use your information to:

• Process your mortgage application
• Communicate with you about your application status or other services
• Provide customer support
• Improve our website and services
• Comply with legal obligations

4. Sharing Your Information

We may share your information with:

• Financial institutions and mortgage lenders for the purpose of processing your application
• Service providers who help us operate our business (e.g., IT services, data analysis)
• Legal authorities if required by law or to protect our legal rights

5. Your Rights Under the California Consumer Privacy Act (CCPA)

If you are a California resident, you have the following rights:

A. Right to Know

You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you.

B. Right to Delete

You have the right to request that we delete any personal information we have collected about you, subject to certain exceptions.

C. Right to Opt-Out

You have the right to opt-out of the sale of your personal information. Note that we do not sell personal information.

D. Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights.

How to Exercise Your CCPA Rights

To exercise your CCPA rights, please contact us at:

Email: jzakaras@lendsmartmortgage.com
Phone: (602) 750-0374
Mailing Address: 10429 s. 51st street #255
Phoenix, AZ 85044

We may need to verify your identity before processing your request.

6. Data Security

We implement reasonable security measures to protect your personal information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the effective date will be updated. We encourage you to review this Privacy Policy periodically.

8. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Email: jzakaras@lendsmartmortgage.com
Phone: (602) 750-0374
10429 s. 51st street #255
Phoenix, AZ 85044