By using our website, contacting, or submitting an application with Benefit Mortgage Inc, you are consenting to the use of information and agreeing to these guidelines and the other policies described on our website and application.
Benefit Mortgage Inc does not share your personal information with outside companies for their promotional use without your consent.
Because of the financial nature of our business, our websites are not designed to appeal to minors under the age of 18. Therefore, we don’t knowingly attempt to solicit or receive any information from minors.
Data Collection And Data Sharing
Data Categories And How We Use Them
See what data categories we collect.
| Category | Examples | Collected |
|---|---|---|
| Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. | YES |
| Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | YES |
| Biometric information. | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | NO, we do not collect biometric information on clients. However, we collect fingerprints on certain employees to comply with NMLS licensing requirements. |
| Internet or other similar network activity. | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. | YES |
| Geolocation data. | Physical location or movements. | NO |
| Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. | NO |
| Professional or employment-related information. | Current or past job history or performance evaluations. | YES |
| Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | YES |
| Inferences drawn from other personal information. | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | YES |
Sources of collected data:
- Information collected through our websites
- Information you provided when getting a product or a service from us
- Information you provided when signing up for communications from us
- Information you provided when entering promotions or sweepstakes offered by Benefit Mortgage Inc
- Information you provided through telephone or web-based surveys, online chat, customer service correspondence or general feedback
- Information you provided when applying for a position with us
- Information provided by third parties such as lead buy partners, data brokers and credit bureaus
- Information collected using web technologies
Ways we might use your data:
- Marketing (unless you’ve opted out)
- Auditing
- Fraud detection
- Debugging
- Providing services
- Internal research
- Quality control
- Prepopulate info when applicable
Reasons we might share your data with third parties:
- Business purposes
- Auditing
- Detecting fraud
- Debugging
- Providing services
- Internal research
- Quality control
With your consent, we’ll share your personal data and contact info with third parties, including our mortgage partners, partner companies and affiliates for these reasons:
- Marketing
- Analytics
- Pre-populating your information to make your experience easier
To opt out of sharing your data, please click here.
Your Data And Our Third Parties
Here’s who we could share your data with and what we could share with them.
| Service providers | Affiliates | Mortgage partners | Partner companies | Regulators | |
|---|---|---|---|---|---|
| Identifiers | x | x | x | x | |
| Personal info categories | x | x | x | x | |
| Protected Classification Characteristics | x | x | x | x | |
| Commercial Info | x | x | x | x | |
| Biometric Info | x | ||||
| Internet or other network activity | x | x | |||
| Employee info | x | x | x | ||
| Non-public education information | x | ||||
| Inferences drawn from other personal information | x | x | x | x |
Sale Of Data
We don’t sell your data.
Your Privacy Rights
If you’d like to review, access, revise or delete personal data we’ve collected about you, please click here.
Right To Know
You have a right to know what personal data we’ve collected about you, what data we’ve sold, who we’ve sold your data to, and what data we’ve shared for business purposes.
To exercise this right, please contact us.
Right To Access
You have the right to see what specific pieces of data we have about you, and to get this data in a portable and easily accessible format.
To exercise this right, please contact us.
Right To Delete
You have the right to request that we delete your data. We’re legally required to keep some data about you, but we’ll delete everything we can. Keep in mind that we might reacquire some of your data if we purchase data from a third party.
To exercise this right, please contact us.
How We Process Your Privacy Rights
First we’ll verify your identity using your personal info. Then we’ll process your request according to company guidelines. You can usually expect a response from us within 45 days.
Authorized Agent
If you’re an authorized agent (such as a power of attorney) making a request on behalf of someone else, please contact us.
Right To Non-Discrimination For The Exercise Of Your Privacy Rights
You won’t be discriminated against for exercising your privacy rights.
PROTECTING YOUR IDENTITY AND CREDIT
Here is a description of the information we collect and how it is used:
Credit reporting agencies may share your information with other companies when you apply for a home loan. This may cause you to receive Email or phone calls that you didn’t ask for, offering credit cards, refinancing or other loan products.
You can stop these calls and Emails by opting out of these prescreened credit offers. Simply call (239) 766-0189 or visit www.optoutprescreen.com.
- Tools, Applications And Registration: We provide a number of ways for you to explore your options for mortgages and loans, so you can determine which options may be the most desirable for you. You can engage a number of tools, planners, calculators and other interactive advisors, such as the online interviews, without providing us your identity. We will not ask you for personally identifiable information to use these features, and do not attribute the information that you provide to you as an individual. However, if you want to exercise one or more of the loan options presented, we will ask you to submit an application on our website and supply other identifying and supporting information needed to process your application. By registering, you can save information such as loan interviews and applications for later review and update. When you register, you select a username by which we will know you, choose a password and provide us an Email address. You use the username and password to gain access to your loan application information, financial profile and/or customized rates. We use your contact information to provide you with alerts and updates regarding your loan status. Benefit Mortgage Inc does not share your information with outside companies for their promotional use without your consent. We may, however, use it to send you communications and special offers on other products or services offered by Benefit Mortgage Inc. If you do not want to receive this information you may opt-out during registration, within any future communications or by opting out. We may also supply the information you provide, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, and closing.
- Credit Report: By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.
- Newsletters: We provide you the opportunity to subscribe to Email newsletters and other Email communications. You may unsubscribe by following the instructions provided in each Email newsletter.
MORE ON OUR GENERAL INFORMATION PRACTICES.
- Contests, Sweepstakes, And Surveys: From time to time, we may offer you the option to participate in contests, sweepstakes, or surveys. If you would like to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. Our contests or sweepstakes may have separate rules and we will identify how the information that you supply will be used in each case.
- Mandatory And Optional Information: We identify what information is required to fulfill your request. If you chose not to provide mandatory information, we will not be able to provide you the service you are requesting. As part of your use of our application, we may collect information that my include your name, address, social security number, the location and value of the property related to the requested loan products or services, financial information about your assets and income, financial accounts, insurance and other information. As part of this process, you consent to Benefit Mortgage Inc obtaining a credit report and for us to use that information as described in this policy. We will also collect information about your activity on our applications and use that information as described in this policy.
- Service Providers: In some cases, we will employ or use service providers such as title companies, appraisers, consultants, and temporary workers, third party software developers, to complete a business process or provide a service on our behalf. For example, we may use service providers to enhance our application technology, deliver products, or to send Emails. When we employ service providers, we may need to share your personally identifiable information. Service providers are strictly prohibited from using your personally identifiable information for purposes other than to act on our behalf.
- Service Alerts And Critical Notices: Although we respect and honor the privacy preferences you have expressed, we may need to contact you to inform you of specific changes that may impact your ability to use this service or for other critical non-marketing purposes, such as bug alerts. We may also contact you to respond to your specific requests, to clarify the order information you provided to us, or to notify you of upcoming subscription expiration dates.
- Change Of Control: Your personally identifiable information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of Benefit Mortgage Inc. You will have the opportunity to opt out of further secondary use of your information following any change of control.
- Changes To Our Privacy Policy: If we plan to make significant changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we’ll post those changes to the Benefit Mortgage Inc website 30 days before they take effect.
- Legal Disclosures: In some cases we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.
PROTECTING YOUR DATA FROM LOSS, MISUSE AND UNAUTHORIZED CHANGES.
We use industry-recognized security safeguards to protect your data. We secure all data that’s sent to Benefit Mortgage Inc to protect it from loss, misuse and unauthorized changes.
We protect your data using industry-standard security products and protocols, as well as carefully developed security procedures. Our security measures are reviewed on a regular basis.
We also hold our team members responsible for keeping your data safe. Here are some ways we do that:
- We require all team members to take regular training and sign a written statement acknowledging their compliance with our security protocols.
- We enforce strict password protocols.
- We require strict authentication and authorization for team members to use, view or change information.
WE TELL YOU HOW AND WHY WE USE WEB TECHNOLOGIES.
Here is how and why we use some common Web technologies to help manage our websites:
- Cookies: A “cookie” is a small piece of information that our website may provide to your browser while you are at our sites. The Benefit Mortgage Inc website supplies your browser with cookies that contain a unique identifier used to better understand website usage in the aggregate and on an individual level so we know what areas of our site users prefer (e.g., based on the number of visits to those areas). This is done through a tracking utility that allows us, for example, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. Benefit Mortgage Inc may also employ service providers to help us collect and understand our website usage data. When periodic surveys are presented to website visitors, cookies are used to prevent issuing multiple invitations to the same individual. If you are a registered member on the Benefit Mortgage Inc website, you will receive a cookie when you login. This cookie is maintained by your browser and contains your identifier. This cookie is also used to authenticate your identity and provide you with access to areas of our website that are limited to registered members, such as those that allow you to view and manage your personal profile. Additionally, Benefit Mortgage Inc service providers that serve ads on affiliate and/or advertiser websites may assign different cookies and small graphical images called single-pixel GIFs or web beacons, to your browser to track the effectiveness of Benefit Mortgage Inc advertising on other websites and your involvement with us. Benefit Mortgage Inc may also employ service providers who may assign cookies or web beacons to your browser to assist us in collecting website usage data such as your IP address, session ID, URL and demographic information such as your zip code. The collection of data may include personally identifiable information. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site. If you simply want to browse, you do not have to accept cookies from our site. Should you decide, however, that you would like to register and sign in to special areas of the website and you have modified your browser settings not to accept cookies, you will need to re-set your browser to accept the cookies that we send. Otherwise, you won’t be able to participate in certain areas of the website. Behavioral Advertising: Please be aware that we use third party advertising companies to collect non-personally identifiable information for online behavioral advertising to provide targeted display advertisements, likely to be of greater interest to you, through participating publishers and advertisers. Such information may include non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) through the use of Cookies and other technology.
- Website Usage Data: Our website tracks usage data, including, for example, your IP address, your browser type and version, which pages you view, which page, if any, linked you to our site, and which link, if any, you follow off of our site. We use this data in the aggregate and on an individual level to better understand website activity to improve our site offerings, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. We may also use this data to provide you a more personalized website experience, assistance with technical support questions, and to send you special offers, product and service updates, or other promotional materials that are relevant and tailored to your interests. If you do not want to receive these offers or promotions, click here to change your contact preferences. We do not share your information with outside companies for their promotional use without your consent. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.
- Social Media And Third-Party Website Security And Privacy Policies: Benefit Mortgage Inc currently has presence on social media to connect with and market to the public, Benefit Mortgage Inc customers, and potential customers of Benefit Mortgage Inc. Your activity on third-party websites is governed by the security and privacy policies of each third-party website. Users of third-party websites often share information with the general public, user community, and/or the third-party operating the third-party website, which may use this information in a variety of ways. Consequently, you should review the privacy policies of the third-party website before using it and ensure that you understand how this information may be used. You may be able to adjust privacy settings on your accounts on any third-party website or application to match your preferences. The information posted on or directed at Benefit Mortgage Inc through social media is generally available to the public. To protect your privacy, do not include information you want to keep private or any other sensitive personal information in your social media activity, comments or responses. This information may be archived independently on, and retention of such information is governed by, the third-party website. track your activity on these websites and use that information as provided in this policy.
WE PROVIDE YOU THE OPPORTUNITY TO UPDATE OR CORRECT YOUR PERSONALLY IDENTIFIABLE INFORMATION.
We provide you the opportunity to update or correct the contact and loan application information that you have provided to us. You may review and update information stored in your application online until you submit your application. Once you have submitted your application, you may only change the information by directly contacting us by phone.
NMLS #2160072 (Click here to access Consumer NMLS)
