Effective Date: July 9, 2026
Smart Step Lending LLC
This Privacy Policy explains how Smart Step Lending LLC ("Smart Step Lending," "we," "us," or "our") collects, uses, shares, and protects information when you visit smartsteplending.com (the "Site") or interact with us, including through our lead and contact forms and our SMS/text messaging program. By using the Site, you agree to the practices described in this policy.
We collect information you provide directly to us, such as:
We may also automatically collect limited technical information when you visit the Site, such as your IP address, browser type, device type, referring page, and pages viewed, typically through cookies or similar technologies.
We do not collect sensitive financial information (such as Social Security number, income, or bank account details) through this Site. If you begin a mortgage application, that information is collected directly through NEXA Mortgage, LLC's secure application system, which has its own privacy practices.
We use the information we collect to:
If you provide your mobile phone number and opt in, we may send you text messages as described in our SMS Messaging Terms. This section explains how we handle that information from a privacy standpoint.
No mobile information collected as part of the SMS consent process will be shared with third parties or affiliates for their own marketing or promotional purposes. This applies to all SMS originator opt-in data and consent — this information is not shared with any third parties for marketing or promotional purposes, regardless of any other data-sharing categories described elsewhere in this policy.
You may opt out of text messages at any time by replying STOP to any message, or by contacting us using the information in Section 12 below. Reply HELP for assistance. Message and data rates may apply, and message frequency varies.
We retain records of SMS consent (including the date, method, and scope of consent) for as long as reasonably necessary to comply with telecommunications and consumer-protection recordkeeping requirements.
Calls to our published business phone numbers may be answered, in whole or in part, by an AI-powered virtual assistant ("Sona") operating through our business communications platform. If you ask whether you are speaking with a person or an automated assistant, Sona will tell you honestly.
Calls handled by Sona may be recorded and/or transcribed for quality assurance, customer service, follow-up, and business recordkeeping purposes. If you are calling from a location that requires the consent of all parties to a call recording, please be aware of this practice before continuing the call.
To route your call and help Adam follow up, Sona may collect your name, phone number, email address (if offered), the general reason for your call, whether you are a new or existing contact, and your preferred callback method. Sona does not collect Social Security numbers, dates of birth, bank account or credit card numbers, tax documents, income documentation, or other sensitive financial details over the phone. If you offer this type of information during a call, Sona is instructed to stop you and let you know Adam will provide a secure way to submit documents if needed.
Sona does not quote interest rates, APRs, fees, payments, closing costs, or loan terms; does not state or imply that you are approved, pre-approved, qualified, denied, or eligible for any loan; and does not provide legal, tax, credit, or financial advice. Mortgage-specific guidance is provided directly by Adam Koncurat after reviewing your full situation. You may ask to speak with Adam directly at any time.
Information collected through Sona is handled in accordance with the rest of this Privacy Policy, including Section 7 (How We Share Information) and Section 8 (Data Security).
The Site may use cookies and similar technologies to remember preferences, understand how visitors use the Site, and support basic analytics. You can control cookies through your browser settings; disabling cookies may affect some Site functionality.
We do not sell your personal information. We may share information with:
As described in Section 4, SMS opt-in data and consent records are never shared with third parties for their own marketing purposes.
We use reasonable administrative and technical safeguards designed to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
You may opt out of marketing text messages at any time by replying STOP, and out of marketing emails using the unsubscribe link in those emails. Depending on your state of residence, you may have additional rights regarding your personal information — for example, Colorado residents may have rights under the Colorado Privacy Act to access, correct, delete, or opt out of certain processing (including targeted advertising) of their personal data. To exercise any such rights, contact us using the information in Section 12; we will take reasonable steps to verify your identity before responding and will respond within the timeframe required by applicable law (generally 45 days, with a possible extension). If we decline a request, you may have the right to appeal using the same contact information.
This Site is not directed to, and we do not knowingly collect personal information from, anyone under the age of 18.
The Site may link to third-party websites or tools, including FSBO.com, scheduling tools, and NEXA Mortgage's application portal. This Privacy Policy does not apply to those third-party sites, and we encourage you to review their privacy policies separately.
We may update this Privacy Policy from time to time. Changes are effective when posted to this page with a revised effective date.
If you have questions about this Privacy Policy or wish to exercise a privacy right described above, contact:
Smart Step Lending LLC
Attn: Adam Koncurat
Email: akoncurat@nexalending.com
Phone: (303) 219-2321