Smart-N-Loans, operated through Equity Smart Home Loans, respects your right to control the calls and text messages you receive from us. This policy explains how we handle telephone and text communications, how we maintain our internal Do Not Call list, and how you can ask us to stop contacting you.
We comply with the federal Telephone Consumer Protection Act (TCPA), the FTC's Telemarketing Sales Rule, the National Do Not Call Registry, and applicable Florida telemarketing law. These laws govern when and how businesses may call or text consumers, including rules around consent, autodialed or prerecorded calls, and honoring do-not-call requests.
In addition to the National Do Not Call Registry, we maintain our own internal Do Not Call list. If you ask us not to contact you, we will add your name and number to this list and will not call or text you for telemarketing purposes going forward, except where an exception under applicable law allows continued contact (for example, servicing an existing loan application you have already started with us).
We only place marketing calls or texts to numbers where we have a lawful basis to do so — typically your prior express written consent (such as submitting a form on this website or a partner site that discloses you may be contacted by phone or text), or an existing business relationship recognized under applicable law. Consent to be contacted is never a condition of obtaining any product or service from us.
If you opt in to receive text messages from us:
We do not place telemarketing calls or texts before 8:00 a.m. or after 9:00 p.m. in the recipient's local time zone, consistent with FTC Telemarketing Sales Rule requirements.
To be added to our internal Do Not Call list, or to stop receiving calls or texts from Smart-N-Loans, you may:
• Reply STOP to any text message you receive from us
• Call us at 321-321-9455 and ask to be placed on our internal Do Not Call list
• Use the contact information in Section 10 below
Please allow up to 30 days for your request to be fully processed across our systems, consistent with FTC guidance.
If you believe you have received a call or text from us in violation of this policy or applicable law, please contact us using the information below so we can investigate. You may also file a complaint with the Federal Trade Commission at reportfraud.ftc.gov, the Federal Communications Commission, or the Florida Attorney General's Office.
We may update this policy from time to time to reflect changes in our practices or applicable law. When we do, we will revise the "Last Updated" date at the top of this page.
Kelly Nadeau, FL Broker BK3344334, NMLS #1027618 · Ray Nadeau, FL Broker BK3344407, NMLS #1027617 · 321-321-9455 · Smart-N-Loans.com
Equity Smart Home Loans · NMLS #856170 · DRE #01906808 · FL Lic. MBR-2341
1499 Huntington Dr Suite 500, South Pasadena, CA 91030
Private consultation with Kelly or Ray Nadeau. No obligation, no application, no pressure.
📞 321-321-9455 · Kelly Nadeau FL Broker BK3344334, NMLS #1027618 · Ray Nadeau, FL Broker BK3344407, NMLS #1027617