Here at Perl Mortgage Inc., our continued focus on loan quality and customer service is never separate from our commitment to protect
the privacy and security of those who visit us at www.perlmortgage.servicemyloan.com. For this reason we have put together the following
policy to explain just how we protect and use the information collected by us, or provided by you, through our website.
You may visit and use certain features of our site without providing personal information necessary to register with us.
However, existing or former Perl Mortgage Inc. customers, wishing to access their account or other non-public information on our site
will need to register by creating a username and password. To register, you are required to provide your email address, loan or application number,
property zip code, and your social security number for identification purposes.
If you are applying for a loan on our site, you will need to complete a loan application by providing necessary personally identifiable information,
including contact, property, employment, income, assets and liabilities information, as well as various additional demographic information and
Whether you are a new or an existing customer, the information you provide allows us to establish a user profile so that we may customize your
preferences, send you the information that you desire and establish security measures to ensure that only you, and those with your authorization,
have access to your account. It also allows you, as a customer, to securely perform the following functions: Access your loan information and enter bank account related information
for Automatic Monthly Payments (ACH) set-up.
It also allows us to provide a faster method for you to submit and receive information to and from Perl Mortgage Inc.. We may also use
your computer's IP address to help diagnose problems with our server, and to otherwise administer our site, as well as to gather broad aggregated
demographic information such as the number of visitors from a particular geographic area.
The internet is comprised of many different networks and systems that are unprotected and outside of Perl Mortgage Inc.’s administrative
control. Because of this, we advise our customers and visitors to always exercise caution when browsing any site on the internet.
Since website security is a very high priority for us, our company has implemented several internet safeguards and secure customer tools to ensure
that we are providing you with the highest level of available privacy when using our website:
- Personal information that is stored on our secured servers is protected against unauthorized access through the use of industry standard
security products and networks. As an additional layer of security, our servers are only accessible to a limited number of employees who
have acknowledged our security policy and procedures and obtained special access rights to these systems.
- All sensitive information supplied by you will be transmitted and protected via a combination of Secure Socket Layer (SSL) encryption
software and the HTTPS protocol. Together, these two features protect you by encrypting and authenticating your data communication with our
- As an additional security benefit to our registered users, Perl Mortgage Inc. has created several technological amenities aimed
at increasing the protection of your personal information. One benefit that we have created for our registered users is the option to
directly upload loan related documentation through your online account. This is the most secure method of sending documents to us since
traditional email and fax transmission is not protected by security features including SSL encryption or HTTPS protocol. For the best
possible protection of your private information, we recommend using these tools for your ultimate benefit.
To ensure compliance with updated security technology, Perl Mortgage Inc. recommends that you use one of the following browsers which
can be downloaded free of charge:
To ensure the highest level of security available today, Perl Mortgage Inc. suggests that you choose the 128-bit encryption and most
updated browser version from the download options. If you do not have access to a browser that supports at least 48-bit encryption, your information
may not be processed by our servers, or may not be securely transferred through your web browser to our servers.
Perl Mortgage Inc. may share the non-public information of our current and former customers for the purpose of our, and our affiliates,
everyday business or marketing purposes. This does not apply to those customers who are only visitors to our site and who have never registered and
obtained a user name and password.
During the loan process, or after, you may receive phone calls or mail based solicitations from other companies offering financial products or
solutions that you did not directly request such as: Credit Card offers, refinancing offers, or other financing related offers. This occurs because
credit reporting agencies are permitted to share your information and credit request with these companies whenever you apply for a home loan. In
order to stop these calls and solicitations you can “opt-out” by calling (888) 567-8688 or completing a form at www.optoutprescreen.com
Do Not Track (DNT) functionality is an optional browser support mechanism that allows users to select whether they want to opt-out of website
tracking or not. At this time, Perl Mortgage Inc. does not honor Do Not Track Requests. To opt out of affiliate based sharing of your
personal information please log in to your online account and select “Forms” from the “My Account” section to print an opt-out notice.
Cookies are bits of electronic information that a website can transfer to a visitor's hard drive to help to tailor and keep records of his or her
standard on the Internet and many websites use them. Although most web browsers automatically accept cookies you can usually change your browser to
prevent or notify you whenever you are sent a cookie. This gives you an opportunity to decide whether or not to accept it. Even without accepting a
and more efficient experience on our site as well as to provide for a faster method of logging-in to your account. We suggest that you visit
if you would like more information about cookies.
www.perlmortgage.servicemyloan.com is specifically a financial services website that does not contain any content directed to children under the age of
13. However, to the extent that any child under the age of 13 enters our site, pursuant to the provisions of the Children's Online Privacy
Protection Act (COPPA), we are not permitted, and therefore do not, collect any personally identifiable information from any child that we actually
know to be under thirteen years of age without the consent of that child's parent or legal guardian.
After registering on our site, Perl Mortgage Inc. allows you to modify certain portions of your personal information by any of the
- Submitting a request to update information through your online account
- Contacting us directly at 1-(855) 282-9300
If you wish to make updates or modifications to your phone number and/or mailing address, simply log into your online account and click “My Profile”
followed by “Contact Info”. Clicking “Edit” will allow you to update this information. All updates are subject to verification to ensure the
security and integrity of your account. You may be requested to provide documentation to support any allowable change requested.
Perl Mortgage Inc. may choose various third party websites to link to and from, and directly display on, its own site to provide
increased value to you. We may also participate in co-branding and other relationships to offer you valuable information, programs and other
services and features. However, Perl Mortgage Inc. has no control over these linked sites as each of them will have separate privacy and
data collection practices independent of ours regardless of affiliation.
Data collected by our co-brand partners or third party websites, even if it is offered on or through our site, is not received, stored, or used in
any way by us. As such, we have no responsibility or liability for these independent policies or actions and are not responsible for the privacy
practices or the content of any such websites. These linked sites are only for your convenience and you access them at your own risk. Nonetheless,
Perl Mortgage Inc. seeks to protect the integrity of its website, and the links placed upon it, and we therefore request your feedback
on our website and any that we link to as well (including if a specific link does not work).
You consent to the collection and use of information by Perl Mortgage Inc., as set forth in this Privacy Statement, by using our
collect, how we use it, and under what limited circumstances we may disclose it. Continued access or use of the website shall constitute your
express acceptance of any modifications to this Privacy Statement.
Perl Mortgage Inc. welcomes your questions, comments and concerns about our privacy practices.
to contact our customer service representatives.
Effective Date: This policy was last revised on 06/11/2014 and takes effect immediately and is in effect until further revised.