Privacy Policy & Legal Disclaimer

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Effective Date: 06/05/2024

Welcome to Smink Home Loans, operated by Krystyn Smink, Mortgage Loan Originator, DBA Smink Home Loans under Gershman Mortgage. Your privacy is of utmost importance to us. This Privacy Policy outlines how we collect, use, and protect your personal information when you visit our website and use our services. Please read this policy carefully to understand how we handle your information.

1. Information We Collect

We collect both personal and non-personal information when you engage with our services.

Personal Information:

Name

Contact information (email address, phone number, mailing address)

Financial information (income, credit history, employment details)

Social Security Number (when required for mortgage applications)


Non-Personal Information:

Browser type and version

Operating system

IP address

Referring website

Pages visited on our site

Time and date of visits


2. How We Use Your Information

We use the information we collect for the following purposes:

To provide and improve our services

To process mortgage applications and related transactions

To communicate with you regarding your mortgage application or services

To respond to your inquiries and offer customer support

To comply with legal and regulatory requirements

To analyze website traffic and enhance user experience


3. Sharing Your Information

We do not sell or rent your personal information to third parties. However, we may share your information with:

Affiliates and subsidiaries of Gershman Mortgage

Service providers and business partners who assist in providing services and maintaining our website

Credit reporting agencies and financial institutions for loan processing

Legal and regulatory authorities when required by law


4. Data Security

We implement industry-standard technical and organizational measures to protect your personal information from unauthorized access, alteration, or disclosure. However, no method of data transmission or storage is completely secure, and while we strive for the highest security standards, we cannot guarantee absolute security.

5. Cookies and Tracking Technologies

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

6. Your Rights

You have the following rights regarding your personal information:

The right to access and request a copy of your information

The right to correct or update your information

The right to request the deletion of your data

The right to opt-out of specific data processing activities

The right to withdraw consent where applicable


To exercise these rights, please contact us at Ksmink@gershman.com or call 208-602-3331.

7. Third-Party Links

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

8. 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 protect your information.

9. Contact Us

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

Krystyn Smink, Mortgage Loan Originator
Gershman Mortgage
Email: Ksmink@gershman.com
Phone: 208-602-3331
Address: 16253 Swingley Ridge Road, Suite 200, Chesterfield, MO 63017
Phone: 314-889-0600
Fax: 314-862-1636

For more information on how we handle your personal data, please refer to the Gershman Mortgage Privacy Policy here.

Legal Disclaimer

NMLS Numbers:

Krystyn Smink: NMLS #2568385

Gershman Mortgage: NMLS #138063


Equal Opportunity Housing:
We are an equal opportunity lender. We do not discriminate based on race, color, religion, sex, handicap, familial status, or national origin in the sale, rental, or financing of housing.

Not a Commitment to Lend:
The information provided on this site is not a commitment to lend. All loans are subject to approval, and rates and terms are subject to change without notice. Lending decisions are made based on underwriting guidelines and creditworthiness.

Opinions and Information:
The opinions expressed on this website are those of Krystyn Smink, Mortgage Loan Originator, and do not represent the views or guarantees of Gershman Mortgage. While we strive to provide accurate information, the content on this site should not be considered financial, legal, or tax advice. Always perform your own research and consult with professionals before making any financial decisions.

Research and Verification:
All information provided through our website is based on our understanding at the time of publication. Loan products, rates, and terms may change, and you should verify all information with us before making any decisions.