Smart LOA Cookie Policy

Last Updated: [DATE]

1. Introduction

This Cookie Policy explains how Smart LOA LLC (“Smart LOA,” “we,” “us,” or “our”) uses cookies and similar tracking technologies on smartloa.com and any associated marketing or landing page domains used for advertising campaigns. It should be read alongside our Privacy Policy.

This policy does not apply to the Smart LOA loan officer portal/application itself, which does not set any cookies. Cookies described in this policy are used exclusively on our marketing website and advertising landing pages, not within the core product.

2. What Are Cookies

Cookies are small text files placed on your device when you visit a website. They help the site function properly, remember your preferences, and in some cases, help us understand how the site is used or show you relevant ads.

3. How Smart LOA Uses Cookies

The Smart LOA loan officer portal/application sets no cookies of any kind. Cookies described below apply only to smartloa.com and separate landing page domains used for advertising and lead generation.

3.1 Analytics Cookies

We use Google Analytics 4 on smartloa.com and our advertising landing pages to understand site traffic and visitor behavior.

3.2 Advertising and Retargeting Cookies

We use the following third-party advertising tools on smartloa.com and our advertising landing pages:

  • Meta Pixel (Facebook/Instagram), used for ad performance tracking and retargeting visitors with ads
  • LinkedIn Insight Tag, used for ad performance tracking and retargeting visitors with ads
  • Google Ads remarketing tag, used for retargeting visitors with ads across Google’s ad network

These tools place cookies that allow Meta, LinkedIn, and Google to recognize you as a visitor to our site and show you relevant advertising on their platforms.

3.3 Other Third-Party Cookies

Aside from the advertising and analytics tools listed above, no other third-party tools set cookies on our sites at this time.

4. Cookie Consent

We use a cookie consent banner on smartloa.com and all advertising landing page domains. Visitors are asked for consent before advertising and analytics cookies are activated, consistent with Meta’s and LinkedIn’s advertising platform requirements. Visitors can accept or decline non-essential cookies through this banner.

5. Borrower-Facing Cookies

Borrowers interact with Smart LOA through email, not through a website or web application, so this policy does not apply to Borrowers in the course of the mortgage document collection process. This policy applies only to visitors browsing smartloa.com or our advertising landing pages.

6. Your Cookie Choices

You can manage cookie preferences through our consent banner at any time, or through your browser settings, which allow you to refuse or delete cookies. Declining advertising and analytics cookies will not affect your ability to browse the site, since these are not required for core site functionality.

7. Changes to This Policy

We may update this Cookie Policy as our use of cookies or tracking tools changes. Material changes will be reflected here with an updated “Last Updated” date.

8. Contact Us

Questions about this Cookie Policy can be sent to admin@smartloa.com.