Privacy Policy

PRIVACY POLICY

 

This Privacy Statement describes how Benefit Mortgage, a California corporation, uses the information you provide.

 

Information We Collect

 

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources that could include:

 

• Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, current address, prior addresses, telephone number, social security number, credit history, date of birth, employment and education, and other financial information.
• Forms of personal identification such as driver’s license, social security card, Medicare card, passport, visa
• Information about your property or the property you are attempting to purchase obtained through publicly available sources and/or an appraisal
• Information about your transactions. Examples of information relating to your transactions include payment histories, account balances and account activity.
• Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
• From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income, or deposits.

 

Information We Disclose

 

Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

 

By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.

 

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

 

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.



We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.

 

Because of the financial nature of our business, Benefit Mortgage’s websites are not designed for use by underage children and those not of legal age to contract. Therefore, Benefit Mortgage does not knowingly attempt to solicit or receive any information from children. Additionally, Benefit Mortgage does not have services available for those younger than the legal age to contract and as such does not knowingly attempt to solicit or receive any information from those under the age of 18. Benefit Mortgage does not sell the personal information of minors.

 

MANDATORY AND OPTIONAL INFORMATION

 

Benefit Mortgage identifies for you what information is required to fulfill any particular request on our Website and be considered for a residential mortgage loan. If you choose not to provide mandatory information, Benefit Mortgage will not be able to provide you the service you are requesting.

 

USE

 

Primarily, the information you provide will be used to: contact you and better understand your needs; review your loan application; and process your loan request. You understand that by submitting your information through this Website or one of Benefit Mortgage’s other company websites or by other means to Benefit Mortgage, you agree to be contacted regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry. By providing information to Benefit Mortgage through this Website, a telephone call, an e-mail, letter or by any other means permitted by Benefit Mortgage, you authorize Benefit Mortgage to engage in the following uses of your information:

 

• to improve its products and services
• to periodically market its products and services, telemarket its products and services, and send promotional emails and advertisements to you
• to contact you
• to perform services you request of Benefit Mortgage including but not limited to reviewing credit worthiness for requested loan approval, respond to your inquiries/requests, process your loan application
• to complete any other task requested of Benefit Mortgage or necessary to perform the underlying services for which you have contacted Benefit Mortgage directly or indirectly

If you do not wish to receive information regarding Benefit Mortgage products and services, you may opt-out during your account registration, within any future communications or by sending an Email to ClientCare@Benefitmortgages.com. Please designate within your opt-out request your email address, property address, loan number (if applicable), and telephone number as well as from what communications you wish to opt-out. Benefit Mortgage does not sell or share a borrower’s personal information with third-parties for their promotional or marketing use without your consent.

 

While we respect and honor your privacy preferences as you have expressed, there may be times we need to contact you to inform you of a specific change that may have an impact on your ability to use Benefit Mortgage’s services or other critical non-marketing purposes. We may also contact you to respond to any specific request you may submit.

 

SECURITY

 

Benefit Mortgage has measures in place directed to safeguarding the information you provide. Such measures include, but are not limited to, implementing policies and procedures regarding data security.

 

Please note, no data transmission over the Internet or any wired or wireless network can be guaranteed to be 100% secure. Benefit Mortgage recommends you do not send any confidential information and/or nonpublic personal information by e-mail. If you choose to send confidential information and/or nonpublic personal information to Benefit Mortgage via e-mail, you accept all risk that such information may be intercepted by a third party.

 

SERVICE PROVIDERS

 

For certain aspects of the loan process and to provide certain services to you, Benefit Mortgage employs or utilizes service providers including, but not limited to, appraisal management companies, title companies, closing attorneys, due diligence firms, sub-servicers, consultants, temporary workers, attorneys, third-party developers and technology companies and others as necessary. For example, we may utilize service providers to send emails to you. For service providers to assist Benefit Mortgage, we may need to share your personally identifiable information. Service providers are not authorized and are strictly prohibited from utilizing your personally identifiable information for any purpose other than those proscribed by Benefit Mortgage in connection with the services they provide on Benefit Mortgage’s behalf. Benefit Mortgage does not sell or share a borrower’s personal information with third-parties for their promotional or marketing use without your consent.

 

LEGAL DISCLOSURE

 

At times, Benefit Mortgage may be required to disclose your personal information to including, but not limited to, state and federal agencies, regulatory authorities, attorneys, and/or other parties as the result of a legal obligation, subpoena, or legal requirement.

 

WEB TECHNOLOGIES

 

• Cookies: A “cookie” is a small file that is assigned by the web server to your computer. The use of cookies allows Benefit Mortgage to identify which pages of the site are accessed. That information is then used to improve the Website and your online experience. Assigning a cookie to your computer does not provide Benefit Mortgage access to your computer or any of the information contained on your computer and your computer is not harmed by Benefit Mortgage’s use of cookies. Most web browsers afford you the option of modifying your settings to reject cookies should you choose. However, declining cookies may interfere with your ability to take full advantage of the features of this Website.

 

• Website Usage Data: Our websites may track usage data, including but not limited to, your IP address, your page views and links clicked, your browser type and version, and other aspects of how you interact with Benefit Mortgage’s websites. Benefit Mortgage utilizes this information in the aggregate and on an individual level to better understand how our website is being used, to improve site offerings, for troubleshooting and other issue resolution purposes. This data may also be utilized to help Benefit Mortgageprovide coaching on the various tools the site has to offer and provide you with a more personalized website experience or assist with technical support questions. We may also utilize it to send you specific offers or promotions. If you do not wish to receive offers or promotions, simply indicate your preferences through your online account or send an Email to ClientCare@Benefitmortgages.com. Again, Benefit Mortgage does not share your information with third-party companies for their marketing or promotional use and we do not track URLs that you type into your browser, nor do we obtain any information about your usage across the internet once you leave Benefit Mortgage’s websites.

 

CHANGE IN CONTROL

 

Your information may be transferred in connection with a sale, merger, transfer, exchange, or other disposition (whether assets, stock or otherwise) of all or a portion of the business of Benefit Mortgage. You will have the opportunity to opt-out of further secondary use of your information following any such change in control.

 

SOCIAL MEDIA AND THIRD-PARTY LINKS

 

Benefit Mortgage has a presence on various social media outlets in an effort to connect with our clients, customers and to connect with potential clients. Your activity on third-party websites is governed by the security, policies, and terms of use of each third-party website. You should review the privacy policies of the third-party website before using it and ensure you understand how your information may be used before providing it. The information posted on or directed on Benefit Mortgage social media profiles is generally available to the public. To protect your privacy, do not include information sensitive personal information or any other information you want to keep provide in your social media activity, comments, or response. Any information shared on Benefit Mortgage’s social media pages may be archived independently on, and retention of such information is governed by, the third-party website.

 

You might find links to third party websites on this Website. These websites should have their own privacy policies which you should read and understand before using their site. Benefit Mortgage does not accept any responsibility or liability for their policies or for the security of information you submit through a third-party website whatsoever as Benefit Mortgage has no control over third-party websites.

 

CHANGES TO OUR PRIVACY STATEMENT

 

Benefit Mortgage reserves the right to modify this Privacy Statement at any time without notice, but the most current version of the Privacy Statement is available to you by clicking on the link at the bottom of this Website. By continuing to use the Website and the services available through it, after the date of any change to this Privacy Statement, including accessing the Website, you agree and acknowledge acceptance of the Privacy Statement in its most current version.

 

TERMS AND CONDITIONS

 

Please see the Benefit Mortgage Terms of Use Statement for other details that are applicable to and regard your use and access of this Website by clicking the link at the bottom of this page.

 

RIGHT TO KNOW ABOUT PERSONAL INFORMATION COLLECTED, DISCLOSED OR SOLD

 

You have the right to request Benefit Mortgage disclose what personal information it collects, uses, discloses, and sells. Benefit Mortgage has outlined above the general categories of information collected from you directly or received by Benefit Mortgage via your licensed loan officer. Benefit Mortgage does not sell your personal information and only discloses to third-parties who are performing services on behalf of Benefit Mortgage or assisting Benefit Mortgage with another business need or purpose.

 

CALIFORNIA CONSUMERS:

 

If you would like additional information about what personal information Benefit Mortgage collects and how it is used, disclosed, and sold (Benefit Mortgage does not sell your personal information), you can submit a verifiable consumer request via telephone by calling 888–669–5663 or by email to ClientCare@Benefitmortgages.com. You can also submit your request in writing by mailing it to:

 

Benefit Mortgage
c/o Consumer Advocate Team
6167 Bristol Parkway
Culver City, CA 90230

 

You may also designate an authorized agent to make a request under the California Consumer Privacy Act (CCPA) by following Benefit Mortgage’s third-party authorization processes.

 

To respond to your request for information, Benefit Mortgage will need sufficient information to verify your identify. Please include with your request your name, property address, last four digits social security number and/or any other information that may help Benefit Mortgage verify your identity.

 

RIGHT TO REQUEST DELETION OF PERSONAL INFORMATION

 

California Consumers: You have the right to request the deletion of your personal information. However, please understand that as a licensed mortgage broker, Benefit Mortgage is required to comply with applicable rules, regulations, and guidelines, which dictate how Benefit Mortgage retains your personal information and account information.

 

You can submit a verifiable consumer request via telephone by calling 888–669–5663 or by email to ClientCare@Benefitmortgages.com. You can also submit your request in writing by mailing it to:

 

 

Benefit Mortgage
c/o Consumer Advocate Team
6167 Bristol Parkway
Culver City, CA 90230

You may also designate an authorized agent to make a request under the California Consumer Privacy Act (CCPA) by following Benefit Mortgage’s third-party authorization processes.

 

To respond to your request for information, Benefit Mortgage will need sufficient information to verify your identify. Please include with your request your name, property address, last four digits social security number and/or any other information that may help Benefit Mortgage verify your identity.

 

NON-DISCRIMINATION STATEMENT

 

Benefit Mortgage does not discriminate against any consumer exercising their privacy rights conferred by the CCPA.

 

AGREEMENT

 

By using this Website, you agree to Benefit Mortgage’s Privacy Statement and to the use of the information Benefit Mortgage receives and collects as stated herein and in ways Benefit Mortgage may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. Benefit Mortgage reserves the right at its discretion to modify this Privacy Statement at any time. Your continued use of this site following the posting of changes to these terms indicates your acknowledgment and acceptance of all changes.

 

QUESTIONS?

 

Should you still have questions regarding Benefit Mortgage’s use of your information, privacy policies and practices, you may contact Benefit Mortgage using the below information:

 

Benefit Mortgage
6167 Bristol Parkway
Culver City, CA 90230
ClinetCare@Benefitmortgages.com
888–669–5663

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