1smtg.com provides a comprehensive platform for mortgage professionals, including but not limited to:

• Pricing and Proposal Engine (PPE): Run scenarios, access investor rate sheets, track rate alerts, and manage proposal history.
• Communication Tools: Desk phone calls, SMS, fax, email (including secure email), chats, video messaging, and video meetings.
• CRM System: Manage customer portals, point-of-sale (POS) functionality, partner information, employee details, recruitment, and communication workflows.
• Loan Origination System (LOS): Structure loans, run credit checks, generate 3.4 files, manage loan files, and perform NMLS reporting.
• Additional Features: Calendar integration, document management, e-signing, training videos, task management, and marketing tools such as flyers and emails.
• Human Resources (HR): Manage employee recruitment, accounting, approvals, and document workflows.

2.1. Account Setup

You are responsible for providing accurate information when creating an account and for maintaining the confidentiality of your login credentials.

2.2. Prohibited Activities

Users may not:

• Engage in unauthorized access or use of the platform.
• Transmit viruses, malware, or other harmful content.
• Copy, distribute, or modify the platform’s content or software without written permission.

2.3. Compliance

Users must adhere to all applicable laws, including mortgage industry regulations, when using the platform.

Your privacy is important to us. For details on how we collect, use, and protect your data, please refer to our Privacy Policy.

4.1. Ownership

All content, software, and design elements of 1smtg.com are the property of Zero 1 Solution LLC unless otherwise stated.

4.2. Restrictions

You may not reproduce, distribute, or create derivative works from our materials without express written consent.

5.1. "As Is" Basis

The platform is provided "as is" without warranties of any kind, express or implied.

5.2. No Guarantees

We do not guarantee that:

• The platform will operate without interruption or errors.
• Information provided on the platform is complete or accurate.

6.1. No Liability

Zero 1 Solution LLC is not liable for any direct, indirect, incidental, or consequential damages arising from the use of this platform.

6.2. User Responsibility

Users assume full responsibility for the results and outcomes of actions taken using the platform.

We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on this page, and your continued use of the platform constitutes acceptance of the revised terms.

These Terms and Conditions are governed by the laws of the State of California, USA. Any disputes will be resolved under the jurisdiction of the courts in California.

For any questions or concerns about these Terms and Conditions, please contact us:

• Phone: (888) 458-0650
• Address: 9146 East Stockton Blvd. #1018, Elk Grove, CA 95624
• Email: info@1smtg.com

By using our website, you hereby consent to our Privacy Policy and agree to its terms.

The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.

When you register for an Account, we may ask for your contact information, including items such as name, company name, address, email address, and telephone number.

We use the information we collect in various ways, including to:

• Provide, operate, and maintain our website
• Improve, personalize, and expand our website
• Understand and analyze how you use our website
• Develop new products, services, features, and functionalities
• Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes
• Send you emails
• Find and prevent fraud

1smtg.com follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.

Like any other website, 1smtg.com uses 'cookies'. These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.

For more general information on cookies, please read "What Are Cookies".

You may consult this list to find the Privacy Policy for each of the advertising partners of 1smtg.com.

Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on 1smtg.com, which are sent directly to users' browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that 1smtg.com has no access to or control over these cookies that are used by third-party advertisers.

1smtg.com's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.

Under the CCPA, among other rights, California consumers have the right to:

• Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.
• Request that a business delete any personal data about the consumer that a business has collected.
• Request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

• The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.
• The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.
• The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
• The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
• The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
• The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

1smtg.com does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.

Voicemail, email, and internet usage assigned to an employee's computer or telephone extensions are solely for the purpose of conducting company business. Some job responsibilities at the company require access to the internet and the use of software in addition to the Microsoft Office suite of products.

Software needed in addition to the Microsoft Office suite of products must be authorized by your manager and downloaded by the IT department. If you need access to software or websites not currently on the company network, talk with your manager and consult with the IT department to explain what returns you expect to receive from the product.

All reasonable requests that are not considered a network risk will be considered. The purpose of this policy is not to restrict employee access to products that will make you more productive. Rather, the goal is to minimize the risk to the organization's network.

Any device or computer including, but not limited to, desk phones, smartphones, tablets, laptops, desktop computers, and iPads that the company provides for your use, should be used only for company business. Keep in mind that the company owns the devices and the information on these devices. If you leave the company for any reason, the company will require that you return the equipment on your last day of work.

You may use personal electronic devices that are not connected to the company network to access any appropriate internet site during breaks and lunch.

Internet use on company time or using company-owned devices that are connected to the company network is authorized to conduct company business only. This limits the possibility of breaches of the security of confidential company information.

Internet use also creates the possibility of contamination to our system via viruses or spyware. Spyware allows unauthorized people outside of the company potential access to company passwords and other confidential information.

Removing such programs from the company network requires IT staff to invest time and attention that is better devoted to making technological progress. For this reason, and to assure the appropriate use of work time, we ask staff members to limit internet use.

Additionally, under no circumstances may company-owned computers or other electronic equipment, including devices owned by the employee, be used on company time at work to obtain, view, or reach any pornographic, or otherwise immoral, unethical, or nonbusiness-related internet sites. Doing so can lead to disciplinary action up to and including termination of employment.

Your employer understands that part of what you do in social media is outreach that recruits new employees and enhances our company brand. Many employees even have social media responsibilities in their job descriptions, including social media marketers, tech support, and recruiters.

Your employer also understands that the relationship of our employees to an online world that you spend time in 24/7 can lead to the blurring of work time and off-work time. We strongly encourage you to limit the use of social media to work-related content and outreach during work hours.

Additionally, you are prohibited from sharing any confidential or protected information that belongs to or is about the company. You are strongly encouraged not to share disparaging information that places your company or co-workers in an unfavorable light.

The company's reputation and brand should be protected by all employees. The lives and actions of your co-workers should never be shared online. Please note the preferences of fellow employees—for example, get permission from those who are parents before you use the name of their children online.

In social media participation from work devices or during working hours, social media content that discriminates against any protected classification including age, race, color, religion, gender, national origin, disability, or genetic information is prohibited.

It is our company policy to also include sexual preference, gender identity, and weight under discrimination protection. Any employee who participates in social media and violates this policy will be dealt with according to the company harassment policy.

Email is to be used for company business only. Confidential company information must not be shared outside of the company, without authorization, at any time. You also are not to conduct personal business using the company computer or email.

Please keep this in mind, also, as you consider forwarding nonbusiness emails to associates, family, or friends. Nonbusiness related emails waste company time and attention.

Viewing pornography, or sending pornographic jokes or stories via email, is considered sexual harassment and will be addressed according to our sexual harassment policy. Immediate termination is the most frequent disciplinary action that the company may take in these cases.

Any email content that discriminates against any of the previously mentioned protected classifications is prohibited. Any employee who sends an email that violates this policy will be dealt with according to the harassment policy.

These emails are prohibited at the company. Sending or forwarding discriminatory emails will result in disciplinary action that may lead to employment termination.

Keep in mind that the company owns any communication sent via email or that is stored on company equipment. Management and other authorized staff have the right to access any material in your email or on your company computer at any time. Please do not consider your electronic communication, storage, or access to be private if it is created or stored on work systems.

If you need additional information about the meaning of any of this communication, please reach out to your manager or the human resources staff for clarification.