Welcome to Equity Smart Home Loans. By accessing or using this website, you agree to the terms and conditions outlined below. Please read them carefully.

1. Website Use

This site is intended for informational and marketing purposes related to mortgage loans and services offered by Equity Smart Home Loans.

2. Intellectual Property

All content is the property of Equity Smart Home Loans or its licensors and protected by copyright.

3. Accuracy of Information

We strive for accuracy but do not guarantee timeliness or completeness.

4. Electronic Communications

By visiting or emailing us, you consent to receive communications electronically.

5. Links to Third-Party Sites

We are not responsible for third-party sites linked from this site.

6. Children Under Thirteen

This website is not intended for children under 13. We do not knowingly collect personal data from children under 13.

7. Privacy

We use Google Analytics to collect anonymous usage data such as page visits and button clicks. We also use Google reCAPTCHA v3 to prevent spam. These services may collect anonymized technical information, such as your device type and IP address, in accordance with Google's Privacy Policy.

We do not collect personal data unless you voluntarily contact us. See our Privacy Policy for more details.

8. Liability Disclaimer

Use this site at your own risk; services are provided “as is.”

9. Chatbot Usage

This site includes an AI assistant to answer questions and assist visitors. Conversations may be logged in anonymized form to improve service quality. Do not input sensitive or personal information into the chatbot.

10. User Communications

If you contact us via form or email, your message is sent directly and not stored by this website. Use of forms or mailto links is voluntary and at your discretion.

11. Arbitration & Class Action Waiver

Disputes will be resolved through binding arbitration. No class actions.

12. International Use

If accessing from outside the U.S., you are responsible for local law compliance.

13. Indemnification

You agree to indemnify us for misuse or violations of terms.

14. Changes to Terms

We may update these Terms & Conditions at any time. Continued use of the site constitutes acceptance of the revised terms. Please revisit this page periodically.

15. Contact

For questions about these Terms, contact us at ithelp@equitysmartloans.com or visit our Contact page.