Welcome to 1smtg.com

These Terms and Conditions outline the rules and regulations for using 1smtg.com, a platform operated by **Zero 1 Solution LLC. By accessing or using this platform, you agree to these terms in full. If you disagree with any part of these terms, you may not use our services.

1. Services Provided

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. User Responsibilities

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.

3. Privacy Policy

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

4. Intellectual Property

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

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

5. Disclaimer of Warranties

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

5.2. We do not guarantee that:

• The platform will operate without interruption or errors.

• Information provided on the platform is complete or accurate.

6. Limitation of Liability

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

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

7. Modifications

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.

8. Governing Law

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.

9. Contact Us

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

Effective Date: January 8, 2025

1smtg.com, operated by **Zero 1 Solution LLC, is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, and safeguard the information you provide while using our subscription-based platform, tailored specifically for mortgage professionals.

1. Who We Serve

1smtg.com is a subscription-based platform designed to serve:

• Mortgage Brokers: Providing tools to streamline pricing, proposal creation, loan origination, and client management.
• Mortgage Professionals: Supporting their day-to-day operations with CRM, communication tools, LOS, and document management.
• Partners and Employees: Offering a centralized system for managing partner information, employee records, and recruitment workflows.

2. Advertising Partners Privacy Policies

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 use technologies such as cookies, JavaScript, or Web Beacons in their respective advertisements and links that appear on 1smtg.com, which are sent directly to users' browsers. They automatically receive your IP address when this occurs. These technologies are used to:

• Measure the effectiveness of their advertising campaigns.
• Personalize the advertising content that you see on websites you visit.

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

3. Third Party Privacy Policies

1smtg.com's Privacy Policy does not apply to other advertisers or websites. We advise you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. These may include:

• Their data collection practices.
• Instructions on how to opt-out of certain options.

You can choose to disable cookies through your individual browser settings. Detailed information about cookie management for specific browsers can be found on their respective websites.

4. CCPA Privacy Rights (Do Not Sell My Personal Information)

Under the California Consumer Privacy Act (CCPA), California consumers have the right to:

• Request that a business disclose the categories and specific pieces of personal data it has collected about consumers.
• Request that a business delete any personal data about the consumer that it 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 exercise any of these rights, please contact us:

• Phone: (888) 458-0650
• Email: info@1smtg.com

5. GDPR Data Protection Rights

If you are a resident of the European Economic Area (EEA), you have the following rights under the **General Data Protection Regulation (GDPR):

• The right to access: Request copies of your personal data (a small fee may apply).
• The right to rectification: Request correction of inaccurate or incomplete information.
• The right to erasure: Request that we erase your personal data under certain conditions.
• The right to restrict processing: Request restriction of processing your personal data under certain conditions.
• The right to object to processing: Object to our processing of your personal data under certain conditions.
• The right to data portability: Request the transfer of your data to another organization or directly to you under certain conditions.

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

• Phone: (888) 458-0650
• Email: info@1smtg.com

6. Communication Policy

6.1. SMS and Email Communication

• If you receive an SMS or email from 1smtg.com, it is likely initiated by a Mortgage Loan Officer (MLO) or broker utilizing our platform.
• For inquiries about the communication, please contact the originating MLO or broker directly.

6.2. Opt-Out

• Replying "STOP" to an SMS will automatically stop future messages. Similarly, email opt-outs will be processed promptly.
• Any resumption of communication must be initiated by you and will be the responsibility of the MLO, broker, or broker company.

7. Data Security

We use industry-standard measures to protect your information from unauthorized access, alteration, or disclosure, including:

• SSL Encryption: Protects data during transmission.
• Role-Based Access: Limits access to sensitive information.
• Regular Security Audits: Ensures continuous protection.

8. Children's Privacy

1smtg.com does not knowingly collect information from individuals under the age of 18. If we learn that personal data of a minor has been collected, we will take steps to delete it.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with the updated effective date. Continued use of the platform constitutes acceptance of the revised policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

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

Purpose

The purpose of this policy is to establish guidelines for the use of 1smtg.com resources, including company-provided devices, internet access, email systems, and software. As a subscription-based service provider catering to third-party mortgage professionals, this policy ensures that resources are used securely and responsibly to enhance operational efficiency while protecting the integrity of the company’s systems and data.

Voicemail, Email, and Internet Usage

The voicemail, email, and internet systems provided by 1smtg.com are strictly for business purposes. Employees and authorized users are expected to use these resources responsibly to fulfill their job responsibilities while adhering to company policies.

1smtg.com Subscription Service

1smtg.com operates as a subscription-based platform designed to serve third-party mortgage professionals. The platform offers tools for:

• Loan Origination (LOS): Manage loan structuring, credit runs, and file creation.
• Pricing and Proposal Engine (PPE): Conduct pricing scenarios and generate client proposals.
• Customer Relationship Management (CRM): Maintain records for clients, partners, and employees.
• Communication Tools: Facilitate business communications via email, SMS, chat, video meetings, and secure messaging.

As a third-party professional service provider, 1smtg.com ensures that all tools are accessible and meet the business requirements of its subscribers.

Software and Platform Access

Authorized Access

• Access to the 1smtg.com platform and its features is restricted to authorized users as per subscription agreements.
• Additional software or tools required beyond the standard offerings must be approved by a manager and installed by the IT Department.

Requesting Additional Software or Features

Employees or subscribers needing tools outside the standard platform must:

• 1. Consult with their manager or account representative.
• 2. Submit a formal request to the IT Department with justification, including expected business benefits.

Requests will be reviewed to ensure alignment with business goals and network security.

Company-Owned Equipment

Usage

• Devices provided by 1smtg.com, including desk phones, laptops, and tablets, are intended exclusively for business use by employees or authorized users.
• All data and information stored on these devices remain the property of 1smtg.com.

Return of Equipment

• Employees must return all company-owned equipment upon leaving the organization or upon request.

Personal Device Usage

• Personal devices may only be used to access 1smtg.com services during approved times and must not compromise company network security.

Internet Usage

Permitted Use

• Internet access through 1smtg.com resources must be used exclusively for business-related purposes.

Prohibited Activities

• Accessing nonbusiness-related, inappropriate, or harmful websites is strictly prohibited.
• Unauthorized downloading of software or files is not allowed.

Security and Monitoring

• Internet activity is monitored to protect 1smtg.com systems from threats like malware, spyware, and phishing attacks.

Social Media Usage

Work-Related Social Media

• Employees and subscribers with social media responsibilities must use platforms to enhance the company’s or their business's professional presence.

Personal Social Media

Employees and users must:

• Avoid sharing confidential or misleading information about 1smtg.com, its users, or its operations.
• Obtain permission before sharing personal details or photos of others.

Prohibited Content

• Social media content that discriminates based on protected classifications such as age, race, gender, or religion is strictly prohibited.

Email and Communication Tools

Usage Guidelines

• Communication tools provided by 1smtg.com (email, SMS, chat, secure messaging) must be used exclusively for business-related purposes.

Ownership and Monitoring

• All communications conducted through 1smtg.com systems are the property of the company and may be reviewed to ensure compliance with this policy.

IT Security and Software Installation

Minimizing Risk

• The IT Department oversees software installations to minimize risks to the 1smtg.com network.

Reporting Concerns

• Any suspicious activity or unauthorized use of resources must be reported to the IT Department immediately.

Policy Enforcement

Disciplinary Actions

• Misuse of 1smtg.com resources, including violations of this policy, will result in disciplinary action, which may include termination of employment or access to the platform.

Clarifications

• Employees or users with questions about this policy should contact their manager, account representative, or HR for clarification.