Privacy Policy

1. Who We Are

Smart Housing Review is an independent marketing and lead generation platform. We provide informational content about mortgage, refinance, home equity, and related housing finance topics.

We are not a lender, mortgage broker, loan originator, bank, credit provider, or financial advisor. We do not make loan decisions, issue loan approvals, offer loan commitments, or determine loan rates or terms.

When you submit your information, we may connect you with one independent participating mortgage broker or mortgage professional who may contact you regarding your inquiry. We may receive compensation for making this referral.

2. Information We Collect

We may collect the following categories of information:

Personal Information

• Name
• Email address
• Phone number
• State
• ZIP code
• IP address
• Device information
• Browser information

Mortgage and Property Information

• Homeownership status
• Property type
• Estimated home value
• Estimated mortgage balance
• Current interest rate
• Mortgage purpose
• Refinance interest
• Home equity interest
• Loan purpose
• Timeframe for speaking with a mortgage professional

Financial and Eligibility Information

Depending on the quiz or form, we may collect:

• Approximate household income range
• Employment status
• Estimated credit score range
• Approximate debt amount
• Monthly payment information
• Other self-reported financial details relevant to your inquiry

We do not intentionally collect full Social Security numbers, full bank account numbers, full credit card numbers, or government ID numbers through our website.

Technical and Tracking Information

We may collect information through cookies, pixels, analytics tools, and similar technologies, including:

• Pages visited
• Time on site
• Clicks
• Form activity
• Referral source
• UTM parameters
• Advertising identifiers
• Meta Pixel data
• Google Analytics data
• Device and browser identifiers

3. How We Use Your Information

We may use your information to:

• Process your quiz or form submission
• Match you with one participating mortgage broker or mortgage professional
• Send your information to that participating broker
• Confirm your contact details
• Improve our website and advertising
• Measure ad performance
• Prevent fraud, spam, and abuse
• Maintain business records
• Comply with legal obligations
• Respond to consumer requests
• Enforce our Terms and Conditions

4. How We Share Your Information

When you submit your information, we may share it with one participating mortgage broker, mortgage brokerage, lender, loan officer, or related mortgage professional for the purpose of contacting you about mortgage-related products or services.

We may also share information with service providers that help us operate our business, including:

• CRM providers
• Form and quiz software providers
• Website hosting providers
• Cloud storage providers
• Analytics providers
• Advertising platforms
• Call tracking or verification providers
• Email delivery providers
• Compliance and security vendors
• Professional advisors

We may disclose information if required by law, regulation, legal process, or government request.

We may also disclose information in connection with a business transaction such as a merger, acquisition, sale of assets, restructuring, or transfer of business operations.

5. Lead Sale and Referral Disclosure

Smart Housing Review is a lead generation platform. By submitting your information, you understand that your information may be transferred to one participating mortgage broker or mortgage professional.

We may receive compensation from that participating broker or professional for the referral.

Submitting your information does not guarantee:

• Loan approval
• Qualification
• A specific interest rate
• A specific loan amount
• Any particular loan term
• That any lender or broker will contact you
• That any loan product will be available to you

All loan decisions are made solely by licensed mortgage professionals, brokers, lenders, or financial institutions.

6. TCPA and Communications Consent

If you provide your phone number, you may be asked to provide express written consent to be contacted by phone, text message, email, or other communication methods.

Your consent is not a condition of purchasing any goods or services. You may revoke consent at any time by following the instructions in the communication or by contacting us.

Message and data rates may apply.

7. Cookies and Tracking Technologies

We use cookies, pixels, tags, and similar technologies to operate the website, improve performance, analyze traffic, and measure advertising.

These technologies may be used by:

• Meta / Facebook
• Google Analytics
• Google Tag Manager
• Other advertising or analytics providers

You may control cookies through your browser settings. Disabling cookies may affect website functionality.

8. Advertising and Analytics

We may use advertising platforms to show ads, measure conversions, create audiences, and understand campaign performance.

This may involve sharing technical information, event data, or hashed identifiers with advertising platforms.

We do not use this information to make lending decisions.

9. Data Retention

We retain personal information only as long as reasonably necessary for the purposes described in this Privacy Policy, including:

• Lead processing
• Broker referral records
• Compliance records
• Fraud prevention
• Analytics
• Legal obligations
• Dispute resolution

Retention periods may vary depending on the type of information and applicable legal requirements.

10. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure.

No website, system, or transmission method is completely secure. We cannot guarantee absolute security.

11. International Data Transfers

We are based in Czechia. If you are located in the United States, your information may be transferred to, stored in, or processed in Czechia, the European Union, the United States, or other jurisdictions where our service providers operate.

By using the website, you understand that your information may be processed outside your state or country of residence.

12. Your Privacy Rights

Depending on your location, you may have the right to:

• Request access to personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information
• Request a copy of your information
• Opt out of certain sales or sharing of personal information
• Opt out of targeted advertising
• Limit certain uses of sensitive personal information, where applicable
• Appeal a denied privacy request, where applicable

To exercise rights, contact: nazim@smarthousingreview.com.

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

13. California Privacy Notice

If you are a California resident, you may have additional rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act.

Categories of Personal Information Collected

In the past 12 months, we may have collected:

• Identifiers
• Internet or network activity
• Commercial information
• Geolocation approximations
• Professional or employment-related information
• Financial-related information you voluntarily provide
• Inferences based on submitted information

Categories of Sources

We collect information from:

• You directly
• Your device or browser
• Advertising platforms
• Analytics providers
• Service providers

Business or Commercial Purposes

We collect and disclose information for:

• Lead generation
• Referral matching
• Website operation
• Advertising
• Analytics
• Security
• Compliance
• Recordkeeping

Sale or Sharing of Personal Information

Because we may receive compensation for referring your submitted information to one participating mortgage broker, this may be considered a "sale" of personal information under California law.

We may also "share" information for cross-context behavioral advertising through advertising pixels or similar technologies.

California residents may opt out by contacting: nazim@smarthousingreview.com.

Recommended website footer link: "Do Not Sell or Share My Personal Information."

Sensitive Personal Information

We may collect financial-related information you voluntarily provide in the quiz or form. We use this information only to process your inquiry, match you with one participating mortgage professional, and operate our services.

Non-Discrimination

We will not discriminate against you for exercising your privacy rights.

14. Children's Privacy

Our website is intended for adults. We do not knowingly collect personal information from children under 13.

15. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices, content, or security of third-party websites.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised effective date.

17. Contact Us

Lead Gen Black Belt s.r.o.
Narodni 135/14
Prague, 110 00
Czechia
Email: support@smarthousingreview.com