Privacy Policy

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Privacy Policy

Effective Date: 06/05/2024

1. Introduction

Welcome to Smink Home Loans, operated by Krystyn Smink, Mortgage Loan Originator, DBA Smink Home Loans. We value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, and protect your information when you visit our website and use our services.

2. Information We Collect

2.1 Personal Information

When you engage with our services, we may collect personal information including, but not limited to:
- Name
- Contact information (email address, phone number, mailing address)
- Financial information (income, credit history, employment details)
- Social Security Number

2.2 Non-Personal Information

We also collect non-personal information that does not directly identify you, such as:
- Browser type and version
- Operating system
- IP address
- Referring website
- Pages visited on our site
- Time and date of visits

3. How We Use Your Information

We use the information we collect for various purposes, including:
- To provide and improve our services
- To process transactions
- To communicate with you about your mortgage application or other services
- To respond to your inquiries and provide customer support
- To comply with legal and regulatory requirements
- To analyze website usage and improve our website and services

4. Sharing Your Information

We do not sell or rent your personal information to third parties. We may share your information with:
- Affiliates and subsidiaries of Premier Mortgage Resources, LLC
- Service providers and business partners who assist us in operating our website and providing our services
- Credit reporting agencies and financial institutions
- Legal and regulatory authorities when required by law

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us remember your preferences and understand how you use our site. You can manage your cookie preferences through your browser settings.

7. Your Rights

You have the right to:
- Access and request a copy of your personal information
- Correct or update your personal information
- Request the deletion of your personal information
- Opt-out of certain data processing activities
- Withdraw consent at any time, where applicable

To exercise these rights, please contact us at krystyn.smink@pmrloans.com or call 208-602-3331.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

10. Contact Us

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

Krystyn Smink, Mortgage Loan Originator  
Premier Mortgage Resources, LLC  
krystyn.smink@pmrloans.com  
Phone: 208-602-3331  
3363 E. Presidential Dr #200  
Meridian, ID 83642  
Main Office Number: 208-629-0606  
Fax: 888-678-7090