This Privacy Policy describes the personal information and business information handled by Zero 1 Solution LLC ("Zero 1 Solution," "we," or "us") in connection with 1 Solution Mortgage Software and the website at 1smtg.com.
We supply software subscriptions to mortgage broker companies. A subscribing company manages its own users, borrowers, contacts, documents, campaigns, and permissions. This Policy distinguishes information we handle for our own business from information we process on the subscribing company’s behalf.
Scope and roles
Who this notice concerns
This Policy applies to website visitors, business contacts, subscribing companies, and authorized users. It also describes how the platform processes information submitted by broker companies about borrowers, employees, vendors, referral partners, and other individuals.
For broker-controlled loan files and operational records, the subscribing mortgage broker company decides what information to collect, the purposes for using it, and which authorized users may access it. Zero 1 Solution operates the platform and processes that information to deliver the subscribed services. Individuals seeking access to their loan records should generally contact the broker company that collected them.
Information we collect
Business records, platform data and customer content
Business and account information
Company name, business contact details, authorized-user names and contact details, account identifiers, NMLS identifiers when provided, subscribed modules, seat entitlements, signed agreements, invoices, payments and support correspondence.
Broker-controlled operational information
Depending on purchased modules and the customer’s use, data may include POS loan applications, borrower identity and contact details, financial and employment information, uploaded documents, credit-related information, loan files, CRM leads and contacts, marketing campaigns, communication records, PPE scenarios, scenario history, and company-specific pricing or compensation configurations.
Technical information
Authentication events, device/browser information, approximate connection information, timestamps, feature-use events, performance and diagnostic information, and basic system audit logs.
Optional workforce-management information
When enabled and controlled by a subscribing company, workforce features may record user activities and screen captures. Screen captures may display information visible on the user’s screen; they are treated as customer operational data rather than retained basic audit logs.
How information is received
Directly, through subscribers and integrations
We receive information from website inquiries, account registration, signed subscription agreements, customer support, and authorized use of the software. Broker companies and their authorized users may upload or enter information directly or authorize connections to external lenders, credit-reporting vendors, telecom providers, and other integrations.
A broker may use a credit-reporting integration within the platform or access a separate credit provider independently. Information the broker submits directly to an unrelated external website is governed by that provider’s own terms and notices.
How information is used
Deliver, maintain and protect subscribed services
We use information as appropriate to provide purchased software modules, manage licensed seats and access entitlements, authenticate users, process authorized workflows, deliver requested communications, provide support, maintain security, investigate abuse, keep service and billing records, and comply with applicable law.
Broker-controlled customer data is processed for the subscribing company’s authorized business purposes and is not sold or used by Zero 1 Solution to market mortgage products to the broker’s borrowers.
Broker company responsibility
Company-administered users and access
Each subscribing broker company administers the user accounts it is entitled to under its signed subscription. Its authorized administrator decides who can access its subscribed components, which user permissions are full or limited, and when company users should be activated or deactivated. Seat quantities and reassignment remain subject to Zero 1 Solution’s subscription controls.
An employee or contractor leaving a broker company does not trigger deletion of the entire company’s records. Company operational data remains under the subscribing broker’s account until the company subscription terminates and the applicable retention window expires.
Sharing and third-party services
Only for legitimate service-related purposes
Information may be shared with service providers who help operate the service, such as hosting, security, email, messaging, payment, support, or customer-authorized integration providers; with a subscribing broker’s authorized users; or where required by lawful requests or applicable legal obligations.
System-generated SMS messages may be delivered through Twilio. Broker-directed messaging and credit-related integrations may involve providers selected by the subscribing broker and may have their own additional privacy terms. We do not sell broker customer data, or share mobile opt-in data with unrelated third parties for those parties’ independent marketing campaigns.
For information about the company’s security program and its listed subprocessors, visit our Zero 1 Solution LLC Trust Center.
Communications and opt-outs
System messages and customer campaigns
Communications sent by subscribing brokers depend on their selected services and configurations. System-generated SMS messages use Twilio, whose applicable STOP handling can block subsequent messages through the relevant sender or messaging service. Third-party messaging arrangements selected by brokers may have different opt-out mechanisms.
Marketing campaigns sent through the platform can include an unsubscribe link. A recipient may choose to suppress future campaigns from a particular authorized sender within a broker company or from the entire broker company. Other valid revocation requests must be handled in accordance with applicable law. See the SMS / Text Messaging Agreement for additional details.
Security and independent assessment
Safeguards and SOC 2 Type II examination
Zero 1 Solution maintains access controls, information-security policies, encryption protections, monitoring, vendor-risk processes and other safeguards appropriate to its service. Customers also have responsibilities for access permissions, their users’ devices, credentials and lawful use of borrower information.
SOC 2 Type II: Zero 1 Solution LLC completed an independent SOC 2 Type II examination of the 1 Solution Mortgage Software Application covering Security, Availability and Confidentiality for the examination period October 1, 2025 through February 15, 2026. The independent report was issued by Atom Assurances LLC on February 27, 2026. This statement does not represent that the separate Privacy or Processing Integrity Trust Services Criteria were within the audit scope, and it is not a guarantee against all incidents.
Learn more at the Zero 1 Solution LLC Trust Center. The auditor’s full report is distributed subject to the restrictions stated in that report.
Data export and 30-day deletion
After a subscribing company terminates
When an entire broker company’s subscription actually terminates, a 30-calendar-day export period begins. During that period the company may request and retrieve its customer-owned operational data, subject to the available export process and any signed agreement.
At the end of that period, the broker’s operational data is deleted from the active application database and corresponding backups, including loan applications, borrower files, CRM data, marketing campaign records, PPE scenario histories, company pricing and compensation configurations, and workforce-monitoring screenshots. Deactivation of an individual employee account does not start this company-wide deletion period.
Deletion is subject to any specific legal obligation, legal hold, or binding order requiring preservation. Broker companies are responsible for exporting and maintaining mortgage records they must retain under applicable laws and their own business policies.
Business records and audit logs
Separate from broker operational data
Zero 1 Solution retains its own subscription and business records—including signed Broker Service Agreements, invoices, payment and billing history, and basic system audit logs—separately from a broker’s operational data.
Our current practice is to retain these business records and basic audit logs indefinitely for contract administration, financial recordkeeping, security and the investigation or defense of service-related disputes, subject to applicable legal requirements and rights. Basic audit logs record activities such as a user opening a section or performing an action and are not intended to contain complete loan files, scenario inputs or HR screenshots. Activity logs may still include personal information such as user identifiers, actions and timestamps.
Privacy rights and requests
Contact the broker or Zero 1 Solution
Individuals may have rights to request information, correction, deletion, access or other privacy choices, depending on the applicable law and any exemptions. Rights may be limited where retention or disclosure is required or permitted by law, including rules applicable to financial information.
If the request concerns data submitted by a broker company, contact that company first so it can identify and authorize the correct records. For information Zero 1 Solution manages for its own business, contact info@1smtg.com. We may verify identity and, when appropriate, coordinate with the subscribing broker.
Cookies and website data
Session functionality and usage
Our website and application may use cookies or similar technologies for necessary authentication, session management, account preferences, security and performance. Browser settings may allow users to limit certain cookies, but disabling necessary functions can prevent parts of the site from working.
Where non-essential analytics or advertising technologies are deployed, additional notices or consent/opt-out mechanisms may be required under applicable law. This notice should be kept aligned with actual website integrations.
Changes and contact
Questions and policy updates
We may revise this Policy as our services or practices change and will post the updated revision date. Where additional notice is required, we will provide it through an appropriate channel.
Zero 1 Solution LLC
16510 Northchase Dr, Suite 206
Houston, TX 77060
Email: info@1smtg.com
Phone: (888) 458-0650