Benchmark

SMS consent and phone numbers will never be shared with third parties or affiliates under any circumstances. SMS consent is not shared with any third parties or affiliates for marketing purposes.

We Work to Protect Personally Identifiable Information from Loss, Misuse or Unauthorized Alteration

All data you provide to Benchmark is safeguarded – by our employees, third party service providers and technology – to prevent loss, misuse, or unauthorized alteration. Our information security program informs our employees how Benchmark safeguards your personally identifiable information. We provide our staff training on our policies and procedures, and provide regular training on safeguarding, protecting, and securing personally identifiable information, as well as the steps to report any breach or attempted breach of our information security policy. Throughout the home loan process, we may use the services of a third party to act on our behalf. We thoroughly evaluate and monitor the third party providers we engage. Before conducting business with any provider, we review them for demonstration of responsibility, compatibility, and willingness to comply with our information security program, and ensure they have adequate technology controls. If our review is successful, the service provider must contractually agree to secure and maintain the confidentiality of personally identifiable information. Furthermore, providers are subject to ongoing assessment to evaluate consistency, performance and financial condition, and contract compliance. We employ industry recognized security safeguards to help protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. All data sent to Benchmark is protected with technology that enables encryption of your data. We use:

• Transport Layer Security (TLS) 1.2 and 1.3

The Benchmark web server supports the Transport Layer Security (TLS) 1.2 and 1.3 transaction protocol that is accepted as an industry standard. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a Web server and its users.

•256-Bit Domestic Grade Strong Encryption:

Benchmark uses 256-Bit Domestic Grade Strong Encryption. (However, be aware that if you are using a browser that is out-of-date, we cannot ensure the maximum level of encryption is being applied. Please refer to your browser’s “Help” section to verify you are on the latest version, or check Windows Updates, if you are using Edge.) We work to protect personally identifiable information stored on the site’s servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices. All employees must review and sign a written statement of these practices which include limiting access to sensitive information to only those employees who require the information and enforcing strict password protocols for all employees. In addition, a username, member ID name and password are required for you to use, view or change application or interview information. We use both internal and external resources to review the adequacy of our security measures on a regular basis.

SMS Policy

You may receive the following over SMS/text message: process updates, requests for more information, requests for documents, requests to give feedback, and requests to leave reviews.

Messaging frequency may vary.
Message and data rates may apply.
To opt out at any time, text STOP.

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 Web sites:

•Cookies

A “cookie” is a small piece of information that our Website may provide to your browser while you are at our sites. The Benchmark Web site 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. Benchmark may also employ service providers to help us collect and understand our Web site usage data. We do not collect personally identifiable information about your online activities.

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 Benchmark Web site, 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 Web site that are limited to registered members, such as those that allow you to view and manage your personal profile.

Additionally, Benchmark 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 Benchmark advertising on other Websites and your involvement with Benchmark. For example, as part of the Benchmark affiliate programs, our service providers use cookies and web beacons to determine when affiliate program members have referred a customer to Benchmark via a link on their Web site. The Benchmark Website also sets a temporary cookie that contains a unique, anonymous identifier that is provided to the service provider to ensure that each referral is only counted once. This cookie is not linked to a customer’s personal information. The cookies and web beacons are necessary to ensure that affiliate program members are appropriately credited for their referrals. Service providers report data in the aggregate and do not link it to individual customer information. Benchmark may also employ service providers who may assign cookies or web beacons to your browser to assist us in collecting Web site 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 Web site and you have modified your browser settings not to accept cookies, you will need to reset your browser to accept the cookies that we send. Otherwise, you won’t be able to participate in certain areas of the Website. Most browsers are defaulted to accept and maintain cookies. Benchmark will protect visitors’ privacy by honoring visitors who request not to be tracked in their browsers settings.

•Web Site 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. We do not share your information with outside companies for their promotional use. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.

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 Benchmark at (972) 398-7676 or e-mailing us at support@Benchmark.us.

We Provide Various Ways for You to Contact Us about our Information Practices and Other Aspects of Privacy.

Questions regarding the Benchmark Website’s privacy statement, our online privacy policy, our information practices or other aspects of privacy on our Websites should be directed to us by e-mail to support@Benchmark.us or by writing to us at Benchmark, Attn: Customer Service, 5160 Tennyson Parkway Suite 1000, Plano, Texas 75024.

If you are a California resident, please review our California Consumer Privacy Act Policy.

California Consumer Privacy Act

This privacy notice for California residents supplements the information contained in this Privacy Policy and applies solely to visitors, users, and others who reside in the State of California. We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

The California Consumer Privacy Act provides some California residents with additional rights.

Right to Know

You have the right to know and see what data we have collected about you over the past 12 months, including:

• The categories of personal information we have collected about you;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting your personal information;
• The categories of third parties with whom we have shared your personal information; and
• The specific pieces of personal information we have collected about you.

Right to Delete

You have the right to request that we delete the personal information we have collected from you. There are a number of exceptions, however, that include, but are not limited to, when the information is necessary for us or a third party to do any of the following:

• Complete your transaction;
• Provide you a good or service;
• Perform a contract between us and you;
• Protect your security and prosecute those responsible for breaching it;
• Protect the free speech rights of you or other users;
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et seq.);
• Comply with a legal obligation; or
• Make other internal and lawful uses of the information that are compatible with the context in which you provided it.

Other Rights

You also have the right not to be discriminated against for exercising any of your rights.

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

Category	How data is used
Identifiers, such as your name, date of birth, social security number, copy of government issued identity card, mailing address, present address, previous addresses, telephone numbers, email address	Data is used to pull your credit report and a part of our processes to validate your identity
Characteristics, such as ethnicity, race, sex, age, citizenship status, marital status, number of dependents, ages of dependents, military or veteran status, service connected disability	Ethnicity, race and sex data is collected per requirements of the Home Mortgage Disclosure Act. Other data is collected to ensure that we identify the loan programs for which you might qualify as well as to determine what documentation may be required from you to determine if you qualify for a mortgage loan
Financial Information, such as bank or other financial institution accounts, credit history, financial transaction history, income, salary, other compensation, real estate owned, judgement history, bankruptcy history, foreclosure history	Data is used to determine if you qualify for a mortgage loan.
Education, such as number of years of schooling	Data is used to determine if you qualify for a mortgage loan.
Household information, such as number of persons in a household (USDA loans only), household income (USDA loans only), dwelling type of subject property	Number of persons in household and income of household is required for USDA loans, as this loan program is only available in certain rural areas and qualifying for the program considers the entire household. Dwelling type of the subject property is used as part of qualifying the loan and ensuring the property value is in line with the loan amount.
Employment information, such as occupation or title, name of employer, number of years on the job, number of years in line of work, W-2 or paystub records, hire dates and termination dates	Data is used to determine if you qualify for a mortgage loan and that your income is in line with your occupation and experience.

We do not collect biometric information or sensory data.

Personal information does not include:

• Publicly available information from government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA’s scope, like personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

We collect personal information from various sources, including:

• Directly from a California resident or the individual’s representatives
• Service providers, consumer data resellers and other third parties
• Public record sources (federal, state or local government sources)
• Website/Mobile App Activity/Social Media
• Information from our affiliates

We disclose personal information to third parties for the business purposes described in this policy. The categories of third parties to whom we disclosed personal information are:

• Vendors and service providers who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure, customer service, email delivery, auditing, marketing and marketing research activities
• Third parties who enable customers to conduct transactions online and via mobile devices and support mortgage and fulfillment services
• Government agencies as required by laws and regulations
• Affiliates of Ark-La-Tex Financial Services, LLC dba Benchmark Mortgage, Benchmark Home Loans or Benchmark Lending

Do You Sell My Personal Information?

No, we do not sell your personal information.

How And Where Do You Collect Personal Information?

We collected most of this information directly from you, either during a mortgage application or as we service your mortgage loan. Personal information includes social security number, employment history and bank account numbers. We collect and secure all of this information in accordance with federal regulations.  We also may receive information from other sources, such as an internet advertiser, a mortgage lead generator, your prior mortgage servicer, or government entities from which public records are maintained.

We also gather information using cookies and other online tools and technology. In other words, we collect some information about our anonymous website visitors, but we do not attempt to identify our visitors by name or profile. We only identify you by name when you submit a web form with your personal information or log into/register on our customer portal.

Will You Delete My Information If I Request You Do So?

Maybe. The CCPA requires businesses that collect personal information directly from consumers to delete such information upon request, unless the deletion request is subject to an exemption. Information we collect, store, or share in connection with providing you a mortgage loan is exempt, because your financial information is already regulated by federal law. Per federal law, we use administrative, physical and technical methods to safeguard your information.  Even if you are not a customer, we might need to keep some of your information in order to comply with a legal obligation. While we may not delete your information, we will always use it for a lawful purpose.

Can I Request A Copy Of What You Collected Or Shared?

In some cases, yes.  The CCPA refers to this as your “Right to Know.” However, the CCPA does not apply to most of the information that we collect or share in our role as a mortgage lender or servicer. We will not include any of that information in your “Right to Know” response. We might have other information that is not exempt.