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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:

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.




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