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Privacy Policy
We respect the privacy of our
customers and are committed to protecting their privacy while visiting
our website. Please, take a moment to read over our privacy policy so
that you can better understand what type of information we collect and
how we use this information to process requests.
Your Expectation of Privacy
Ben Stout
.com knows that you count on us to provide
preventive measures to protect customer information. We have
implemented Policies and Procedures to prevent improper usage of
confidential customer information.
About Information Sharing with Non-Affiliated Third Parties
We collect nonpublic personal information about you
from the following sources:
- Information we receive from you on applications
or other forms whether written, oral or electronically, such as
name, address, employment and income information;
- Information about your transactions with us, our
affiliates, or others, which may include account balances or payment
history; and
- Information we receive from consumer reporting
agencies, such as account information and information about your
creditworthiness.
We do not disclose any nonpublic personal
information about our customers or former customers to nonaffiliated
third parties, except as permitted by law. This may include
responding to a subpoena or other legal process, or reporting to
consumer reporting agencies.
We may disclose the above described information to
our service providers to help us process your application or service
your account. Our service providers may include loan settlement
service providers, lenders, insurers, and property inspection
companies. We may also disclose this information to companies that
perform marketing services on our behalf for our products and to other
financial institutions with whom we have joint marketing agreements.
The information that is disclosed to them is limited to the
information needed to carry out their function and such companies are
required to safeguard the confidentiality of your information in the
same manner as Ben Stout
.com.
About Information Security
We restrict access to nonpublic personal information
about you to those employees who need to know that information to
provide products or services to you. We maintain physical, electronic,
and procedural safeguards that comply with federal standards to guard
your nonpublic personal information.
We also have internal controls to keep customer
information as accurate and complete as we can. If you believe that
any information about you is not accurate, please let us know. We will
respond promptly to all inquires and request.
About Information Sharing with
Affiliates
We may disclose nonpublic personal information about
you to our affiliates in order to provide you with access to
additional product offerings. By sharing information with our
affiliates, we can make it easier for you to obtain additional
services from us, i.e., second mortgages or banking products. We may
disclose to our affiliates all of the information that we collect, as
described above. This could save you time in opening your new account
because you may not have to furnish the same information twice.
Under the Fair Credit Reporting Act, you have the
option of whether or not information should be shared with our
affiliates. Prior to applying with Ben Stout
.com, you will be
provided a notice and an opportunity to indicate your preference. Your
request will be honored throughout your relationship with us.
Processing of your Request
Once Ben Stout
.com has received your loan
application, we will mail you a Universal Residential Loan Application
(commonly referred to as the 1003), containing information submitted
by you on our website for your review. In this mailing, you will also
receive required federal and state initial disclosures. We are
committed to ensuring that your data is accurate and that your loan is
processed efficiently. We encourage you to contact your loan
consultant to resolve any inconstancies in your information or to
answer any questions you may have about your loan process.
Use of our Website
Some of our pages require information, such as your
email address or loan number, to access the status of your application
or to perform certain tasks. In these circumstances, we collect your
information for the purpose of being able to interact or reply to you.
If you are merely browsing our website anonymously then personal
information, such as your email address, is not collected.
We gather data regarding visits to our website, including domain name,
pages visited, length of time on our website to assist in evaluating
the usefulness of our site and so that we can provide more efficient
service to you in the future.
Keeping Information Accurate
If you ever notice that your information is not
complete, accurate or current, please contact us either by email or by
calling the telephone number provided under the Contact Us link to let
us know. We will correct the information as quickly as possible. If we
report any inaccurate information about your account(s) to a consumer
reporting agency, please notify us in writing of the inaccuracy. Your
written notice describing the specific inaccuracy(ies) should be sent
to: website@benstout.com
Planning Tools
When you use various planning tools (calculators and
worksheets) on our website, the calculations are performed on your
computer. We do not capture the personal information you provide on
these planning tools.
Continual Updates
In an effort to enhance our site and the products and
services that are offered to you, we may amend this policy, and any of
the procedures described herein, at any time without prior notice.
Updates to the website may include changes required by federal and
state regulations or modifications due to changes in company policy.
From time to time, Ben Stout
.com may hire independent outside
consultants to perform quality control reviews of the website and the
loan application process. This policy sets forth general guidance and
does not constitute a contract or amend any agreements we have with
our customers. The examples contained within this Notice are
illustrations and are not intended to be exclusive. |
