Privacy Policy

Effective Date: August 10, 2026
Last Updated: August 10, 2026

Atrium Insights Group Inc., doing business as Smart Loan Aid ("Smart Loan Aid," "we," "us," or "our"), respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit our website, submit a form, communicate with us, request educational information or assistance, schedule a consultation, use our services, or otherwise interact with Smart Loan Aid.

Information We Collect

The information we collect depends on how you interact with us and may include the following categories.

Contact and Identifying Information

We may collect:

● Name
● Email address
● Telephone number
● Mailing address
● State of residence
● IP address
● Device identifiers
● Online identifiers

Student Loan and Financial Information

When you request information or assistance, you may choose to provide information relating to your student loans or financial circumstances, including:

● Type of student loans
● Approximate loan balances
● Loan status
● Loan servicer or collection agency
● Repayment status
● Default status
● Income information
● Employment status
● Household or financial circumstances
● Student loan goals or concerns

We collect this information to understand your situation, provide educational information, assist with your request, and identify resources or services that may be relevant to you.

Education Information

You may provide information regarding your school, educational program, graduation status, or other education-related information when relevant to your inquiry.

Communications

We may collect and retain communications you have with Smart Loan Aid, including:

● Emails
● Text messages
● Telephone communications
● Voicemails
● Website inquiries
● Customer service communications
● Appointment information

Telephone calls may be recorded or monitored for quality assurance, training, compliance, and recordkeeping purposes where permitted by applicable law.

Website and Device Information

When you visit our website, we may automatically collect information such as:

● IP address
● Browser type
● Device type
● Operating system
● Referring website
● Pages viewed
● Links clicked
● Date and time of visits
● Website interaction information
● Cookie and advertising identifiers

Consent and Preference Information

We may maintain records relating to your communication and privacy preferences, including:

● Marketing consent
● Communication consent
● Opt-out requests
● Unsubscribe requests
● Privacy requests
● Date and time of consent
● Form or website source
● Information reasonably necessary to document your preferences

Information We Ask You Not to Send Through Ordinary Communications

Unless we specifically request information through an authorized secure process, you should not send the following through ordinary website forms, email, or text messages:

● Social Security numbers
● Bank account passwords
● Online banking credentials
● Loan servicer passwords
● Complete payment card numbers
● Government identification documents
● Other account passwords or security credentials

How We Collect Information

We may collect personal information:

● Directly from you
● Through forms you submit
● Through telephone, text, email, or other communications
● Automatically through your browser or device
● Through cookies and similar technologies
● From service providers that assist us in operating our business
● From referral or marketing sources where permitted by law
● From third parties involved in providing services you request
● From publicly available sources where permitted by law

How We Use Personal Information

We may use personal information to:

● Respond to your inquiries
● Schedule and conduct consultations
● Provide educational information and resources
● Understand your student loan circumstances
● Assist you with services you request
● Communicate regarding your account or requested services
● Provide customer support
● Facilitate interactions with service providers or third parties where requested or authorized
● Personalize website content and communications
● Improve our website and services
● Analyze website traffic and user interactions
● Measure marketing effectiveness
● Detect and prevent fraud or misuse
● Protect our systems and information
● Maintain business and compliance records
● Respond to privacy requests
● Comply with applicable laws and regulations
● Establish, exercise, or defend legal claims
● Enforce agreements and policies
● Complete a merger, acquisition, financing, restructuring, or similar corporate transaction

We may also use information for other purposes disclosed to you at the time it is collected or with your consent.

How We Disclose Personal Information

We may disclose personal information as described below.

Service Providers

We may provide information to companies that perform services on our behalf, including:

● Website hosting providers
● Cloud service providers
● Customer relationship management platforms
● Telephone and text messaging providers
● Email service providers
● Analytics providers
● Cybersecurity providers
● Payment processors
● Professional advisers
● Customer support providers
● Compliance service providers

These providers may access personal information only as reasonably necessary to perform services for us and subject to applicable contractual and legal requirements.

Third Parties You Request or Authorize

We may provide information to an independent third party when you request or authorize us to facilitate an introduction, referral, submission, consultation, or other interaction.

Independent third parties have their own privacy practices, terms, and legal obligations. Their handling of your information is governed by their applicable privacy policies after they receive your information for their own purposes.

Legal and Compliance Disclosures

We may disclose personal information when we reasonably believe disclosure is necessary to:

● Comply with applicable law
● Respond to lawful legal process
● Respond to regulators or government authorities
● Investigate fraud or unlawful activity
● Protect Smart Loan Aid, our customers, or others
● Protect our legal rights
● Enforce contracts or policies
● Respond to emergencies involving health or safety

Business Transactions

Personal information may be disclosed or transferred in connection with a merger, acquisition, financing, restructuring, sale of assets, bankruptcy, or similar business transaction.

Cookies and Similar Technologies

We and our service providers may use cookies, pixels, tags, local storage, and similar technologies to:

● Operate the website
● Remember preferences
● Improve website performance
● Analyze website usage
● Prevent fraud
● Measure advertising effectiveness
● Personalize content
● Support marketing and advertising activities

Certain technologies may involve disclosures that are considered "selling," "sharing," or "targeted advertising" under applicable state privacy laws.

You may exercise applicable privacy choices through our Do Not Sell or Share My Personal Information page or other privacy controls available on our website.

Where required by law, we also recognize qualifying browser-based privacy preference signals, including Global Privacy Control.

Sale, Sharing, and Targeted Advertising

Certain state laws define the terms "sale" and "sharing" broadly.

A sale may include providing personal information to another party in exchange for monetary or other valuable consideration.

Sharing may include providing personal information to another party for cross-context behavioral advertising or similar targeted advertising purposes.

Where applicable, you may opt out of these activities through our Do Not Sell or Share My Personal Information page.

We do not sell sensitive personal information.

We do not knowingly sell or share the personal information of individuals under 16 years of age.

Sensitive Personal Information

Depending on the information you voluntarily provide, Smart Loan Aid may receive information that is considered sensitive under applicable law.

We use sensitive information only as reasonably necessary to provide requested services, comply with law, maintain security, prevent fraud, or perform other permitted purposes.

We do not use sensitive personal information for purposes of inferring characteristics about consumers in a manner that requires a separate limitation right under applicable law.

Data Retention

We retain personal information for as long as reasonably necessary for the purposes for which it was collected.

Factors we consider when determining retention periods include:

● The length of our relationship with you
● The nature of the services requested
● Whether an inquiry or account remains active
● Legal and regulatory requirements
● Contractual obligations
● Fraud prevention requirements
● Security needs
● Applicable statutes of limitation
● Dispute resolution
● Recordkeeping requirements
● The need to document consent or opt-out requests

We may retain limited suppression information after an opt-out request to help ensure that your preference continues to be honored.

Information Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, acquisition, alteration, loss, or disclosure.

These safeguards may include access controls, authentication, secure transmission methods, system monitoring, vendor controls, employee training, data minimization, and other reasonable security practices.

No method of transmission or electronic storage is completely secure. Therefore, we cannot guarantee absolute security.

Consumer Reports

Smart Loan Aid does not obtain a consumer credit report through the ordinary website inquiry or educational process unless a separate process expressly informs you otherwise and applicable legal requirements are satisfied.

Submitting an inquiry through our website does not, by itself, authorize Smart Loan Aid to obtain your consumer credit report.

Children

Our website and services are intended for adults who are at least 18 years old.

We do not knowingly collect personal information from children for use of our services.

If we learn that we have collected personal information from a child in circumstances where collection was not permitted, we will take reasonable steps to delete or otherwise address the information.

Your Privacy Rights

Depending on where you reside and applicable law, you may have the right to:

● Request confirmation that we process your personal information
● Access personal information we maintain about you
● Request correction of inaccurate information
● Request deletion of personal information
● Obtain a portable copy of certain personal information
● Opt out of the sale of personal information
● Opt out of sharing or targeted advertising
● Opt out of certain profiling activities
● Withdraw consent where processing is based on consent
● Limit certain uses of sensitive personal information
● Use an authorized agent where permitted
● Appeal certain privacy request decisions
● Exercise privacy rights without unlawful discrimination or retaliation

Not all rights apply in every state or to every type of information.

Exercising Your Privacy Rights

You may submit a privacy request by:

Email: info@smartloanaid.com
Phone: (844) 869-5521

Please use the subject line Privacy Request when submitting a privacy request by email.

We may need to verify your identity before fulfilling certain access, correction, deletion, or portability requests.

We will request only information reasonably necessary to verify and process your request.

Where applicable law provides a right to opt out of sale or sharing, we will not require identity verification merely to process that opt-out.

Authorized Agents

Where permitted by applicable law, you may authorize another person to submit a privacy request on your behalf.

We may request reasonable evidence that the person is authorized to act for you and may verify your identity when permitted or required by law.

Marketing Choices

You may unsubscribe from marketing emails using the unsubscribe link included in our marketing messages.

You may opt out of marketing text messages by replying STOP or by otherwise clearly communicating your desire to stop receiving marketing text messages.

You may also contact us directly to change your communication preferences.

Please review our Communication Consent for additional information regarding calls, text messages, emails, and marketing preferences.

California Residents

California residents should also review our California Privacy Notice and Do Not Sell or Share My Personal Information page for additional information regarding California privacy rights.

Third-Party Websites

Our website may contain links to websites operated by third parties.

We are not responsible for the privacy, security, content, or practices of independent third-party websites.

You should review the privacy policy and terms of any third-party website you visit.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, technology, privacy practices, or legal obligations.

When we update this Privacy Policy, we will revise the Last Updated date at the top of this page.

Where required by law, we may provide additional notice or obtain consent before materially changing how previously collected information is used.

If you have questions regarding this Privacy Policy or our privacy practices, please contact:

Atrium Insights Group Inc.
d/b/a Smart Loan Aid
30 N Gould St Ste N
Sheridan, WY 82801

Phone: (844) 869-5521
Email: info@smartloanaid.com