Privacy Policy

Smart Mortgage Group ("we," "us," or "our") is a licensed mortgage brokerage operating as Gico Business Group, Inc. DBA Smart Mortgage Group (NMLS #2852342). We respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains the information we collect, how we use it, and the choices you have regarding your information.

We may collect the following types of information:

• Contact information you provide directly, such as your first name, last name, phone number, email address, and mailing address.
• Mobile telephone number when you voluntarily provide it and opt in to receive SMS communications.
• Inquiry and message details you submit through our contact form, including the nature of your request and any message content.
• Transaction-related information necessary to process or service a mortgage transaction, such as application details and required documentation.
• Usage information about how you interact with our website, such as pages visited and device type.

We use the information we collect to:

• Respond to your inquiries and provide professional guidance.
• Schedule or confirm appointments.
• Assist with your application and required documentation.
• Provide transaction updates and customer service.
• Communicate with you regarding your mortgage needs.
• Comply with applicable legal and regulatory requirements.

Smart Mortgage Group does not sell your personal information. We may disclose information necessary to process or service a mortgage transaction to authorized service providers, financial institutions, credit reporting agencies, regulatory authorities, or other parties when legally permitted or necessary to provide the requested service. For example, information relevant to your transaction may be shared with lenders, underwriters, title companies, or other parties involved in processing your transaction as required.

We may also disclose information when required by law, court order, or regulation, or to protect our rights, property, or safety.

When you voluntarily provide your mobile telephone number and opt in to receive SMS communications from Smart Mortgage Group, we may use your mobile number to communicate with you regarding your inquiry, appointments, application or transaction updates, and customer service.

SMS consent is optional and is not a condition of purchasing any goods or services.

Message frequency varies. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP. For assistance, reply HELP or contact us at (562) 321-5191.

Mobile information and SMS opt-in consent will not be sold, rented, or shared with third parties or affiliates for their marketing or promotional purposes.

We take reasonable measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

You may choose not to provide certain information, though this may limit our ability to assist you. You may opt out of SMS communications at any time by replying STOP to any message. You may also contact us directly to request access to, correction of, or deletion of your personal information, subject to applicable legal requirements.

Our website and services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date.

If you have questions about this Privacy Policy or our information practices, please contact us: