WEB PRIVACY POLICY
PERL Mortgage, Inc. (“PERL Mortgage”) is concerned about protecting your privacy. PERL Mortgage takes reasonable efforts to maintain and protect your privacy and information. Protecting Your PrivacyPERL Mortgage will not sell, distribute or transfer any of your personal or financial information collected through this website except as described in the Privacy Notice or in this Website Privacy Policy. You may view PERL Mortgage’s Privacy Notice concerning the use of all personal and financial information collected about you in connection with your loan transaction by reading below.
Collection and Limited Use of Information
The PERL Mortgage website is designed for personal use only. On this website, PERL Mortgage collects limited contact personal and financial information so it may respond to your requests for additional information concerning loan products or other financial services offered through PERL Mortgage. By providing PERL Mortgage with your personal contact information (whether it be your phone number, address or email address), you agree to accept essential communications concerning the requested product and services from PERL Mortgage, including but not limited to a phone call from a loan officer to confirm and discuss your request for products or services from PERL Mortgage, email notifications of product enhancements, additions or deletions, and changes to this policy.
Website user information and website activity data, including pages accessed, is collected throughout the website. This information is used by PERL Mortgage to improve the website content and features and to improve the selection of loan product and service offerings to meet PERL Mortgage’s customers’ needs. Additionally, the website user information is collected to protect PERL Mortgage from potential fraud and abuse through use of the website.
No Cookies or Downloads are Required
PERL Mortgage’s website does not utilize or set cookies on your computer and PERL Mortgage does not authorize any uploads to your computer. Also, the use of this website does not require the download of any file or program. Consult your documentation, help files or network administrator regarding setting your internet security, privacy and cookie preferences for your web browser.
Information and Data Security
PERL Mortgage uses reasonable precautions to keep secure all information disclosed to it through this website and throughout the loan process. PERL Mortgage uses a combination of advanced technologies, security software, firewalls, encryption measures and stringent security procedures to safeguard and secure your personal and financial information and electronic data it collects.
Changes to this Website Privacy Policy
PERL Mortgage reserves the right to change this Website Privacy Policy as required in its sole discretion. Users should review this policy periodically or prior to subsequent use. If you have any questions regarding this policy, please contact PERL Mortgage at 800.562.6626 or via email at perl@perlmortgage.com
Use & Acceptance of Terms of Use
By accessing and continuing to use this website, you acknowledge that you have read and you accept each of the terms and conditions provided in the Terms of Use.
Protecting your privacy is important to PERL Mortgage, Inc. ( “PERL Mortgage”) and its employees. PERL Mortgage respects every individual’s right to privacy and security information that personally identifies you or your account with PERL Mortgage. That is why we have created and implemented our Privacy Policy as outlined below. It is important for you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all PERL Mortgage employees for collection, use, retention, and security of non-public personal information.
Categories of Non-Public Personal Information We Collect
"Non-public personal information" is non-public information about you that we obtain in connection with providing a financial product or service to you. For example, non-public personal information includes information regarding your identity, address, social security number, loan balances, payment history and account balances.
We may collect "Non-Public Personal Information" about you from the applications for loans or other loan and deposit account forms you complete, your use of our website and market research companies. We also collect information about your transactions with us or others such as account balance, payment histories and past transactions. Finally, we may collect information from third parties such as credit reporting agencies.
Limited Disclosures of Non-Public Information
We may share non-public personal information about you with companies that perform administrative and other service on PERL Mortgage’s behalf, such as title companies, loan processors, credit bureaus, financial institutions and other third parties to effect transaction that you request or authorize. These parties may assist us in processing, placing and servicing your mortgage loan account with us, or the disclosure may be to government entities in response to subpoenas, and to credit bureaus.
We may also disclose non-public personal information about you to companies that perform marketing services on our behalf, or to other financial institutions with which we have joint marketing agreements. PERL Mortgage will not disclose your non-public personal information unless these parties demonstrate and maintain a substantially similar level of commitment to protect your information, confidentiality and security as PERL Mortgage does. If you do not want any of your non-personal information shared with these parties, please advise us in writing: PERL Mortgage, Inc., 2936 W. Belmont Avenue, Chicago, Illinois 60618, or via email at perl@perlmortgage.com
We are committed to not disclosing any non-public personal information to anyone except as required and as permitted by law.
Security Procedures for the Protection of Information
PERL Mortgage aims to protect the confidentiality and security of all non-public information our customers shared with us according to significant standards of security and confidentiality. We take steps to restrict access to your personal and account information, and PERL Mortgage maintains significant physical, electronic and procedural safeguards to protect your non-public personal information.
Updating or Correcting your Information
The accuracy of your personal information is important to PERL Mortgage. If you need to update your personal or account information, please contact us in writing at PERL Mortgage, Inc., 2936 W. Belmont Avenue, Chicago, Illinois 60618, or via email at perl@perlmortage.com. PERL Mortgage will investigate and update our records accordingly.
Please read the following Terms of Use applicable to this website ( “Terms of Use”) carefully. Please print and retain a copy of this agreement for your records and/or its suppliers .
These Terms of Use constitute a legal agreement between you and PERL Mortgage, Inc. ( “PERL Mortgage”), and the provisions contained herein are the material and essential basis of our agreement. By accessing this website and any information contained herein you accept these Terms of Use. If you do not agree to accept and be bound by these Terms of Use, you may not access or use this website.
PERL Mortgage Services & Products
PERL Mortgage is not a lender and does not make loans nor does it make credit decisions in connection with any loans. PERL Mortgage merely provides a loan origination service and makes its loan officers available to assist you in locating the financing options. However, PERL Mortgage is not an agent of you or of any the lenders introduce to you by PERL Mortgage. You should rely on your investigation, diligence and judgment in assessing the loan products, rates, terms and other information made available to you through PERL Mortgage or by any of the participating lenders and in your dealings with such lenders.
This website and the loan origination services provided by PERL Mortgage are available only in connection with residents of and loans made on real property located in Arizona, Illinois, Indiana, Michigan and Wisconsin. Information concerning PERL Mortgage’s licensing and registrations can be requested by emailing perl@perlmortgage.com. Unless otherwise specified, PERL Mortgage is not attempting to offer its services and loan products outside of these states by offering its services and products through the website.
In order to start the process, you must submit your contract information to PERL Mortgage to start an inquiry into PERL Mortgage’s services and the loan products available. You represent that all of the information you have provided and will provide to PERL Mortgage in connection with your loan request is true and complete.
Privacy
PERL Mortgage agrees to take reasonable precautions to protect your privacy. PERL Mortgage will collect from you only necessary information relating to its dealings with you. Such information will not be accessible to unauthorized persons and is in all respects subject to all of the terms and conditions of PERL Mortgage’s Website Privacy Policy. By submitting such information to PERL Mortgage, you accept the terms and conditions of the Website Privacy Policy.
Also, by submitting an inquiry to PERL Mortgage, you acknowledge that you may start a business relationship with PERL Mortgage and you also acknowledge and agree that you have had the opportunity to read PERL Mortgage’s Privacy Notice above.
Agreement for Perl Mortgage Contact You
By submitting the inquiry, you expressly agree to extend an invitation to PERL Mortgage and its loan officers to contact you by telephone or email at the number or address you provide regarding your financing needs, your credit history and additional information that may be needed by PERL Mortgage to attempt to match you with a potential lender.
Site Use and Content
You may access and use the website and its contents to search for information on PERL Mortgage’s services and products and to make legitimate inquiries about and requests for the additional information concerning such products and services. No other right or license is granted to you; and you may not reproduce, duplicate, copy, transmit, store, upload, download, modify, alter, change, print, display, duplicate, publish, sell, resell, transfer, distribute or otherwise exploit this website, any portion of this website or any of its contents without express written consent of PERL Mortgage. This license does not include: any resale or other use of this website or its contents for any other purpose; any collection and use of any product listings, descriptions, or prices; any derivative use of this website or its contents; or any use of data mining, robots, or similar data gathering and extraction tools.
PERL Mortgage’s website may contain links or materials from third third parties. These third party links and materials are provided for reference purposes only and as a convenience to PERL Mortgage’s customers. Accordingly, PERL Mortgage is not responsible for the accuracy, completeness or validity of their content. PERL Mortgage’s inclusion of any link to any third party websites or any inclusion of such third party materials does not connote any affiliation with such sites, or any endorsement of their content in any manner or for any purpose.
While PERL Mortgage has made reasonable efforts to provide and maintain safe and accurate content and information on this website, PERL Mortgage does not warrant that the functions, content, materials and information contained on this website will be error-free, that PERL Mortgage will correct any defects, misstatements or omissions, or that this website at times may not contain viruses or other defective components. PERL Mortgage disclaims any liability arising from or in connection with any inaccuracy, misstatements or omissions in the materials on this website. PERL Mortgage recommends that its website users verify (with Perl Mortgage or the appropriate third parties) the acceptable application of all parts a website user wishes to order before placing an order with PERL Mortgage based on any information obtained from or checked on this website. Further, PERL Mortgage also recommends that its website users install anti-virus software, and PERL Mortgage disclaims liability for any computer viruses or other programs downloaded from this website.
Intellectual Property
All content included in this website, including all HTML, text, graphics, images, logos, icons, digital downloads and software are the exclusive or licensed property of PERL Mortgage and/or its material suppliers and all further use is subject to PERL Mortgage’s permission. Also, the compilation, selection and arrangements of all data, content and design contained in this website are the exclusive property of PERL Mortgage. All such content, materials and information are protected by United States and international copyright laws.
Disclaimers
Use of this website is at your sole risk and is subject to the terms of these Terms of Use. PERL Mortgage makes no representations or warranties with respect to this website or its contents, which are provided for use “as is” and “as available.” PERL Mortgage disclaims all warranties, express or implied, including without limitation, any implied warranties of merchantability, fitness for a particular purpose, title and/or non-infringement with respect to this website, its content and the information about any products or services sold through or recommended by the website.
PERL Mortgage does not warrant the functionality or information contained on this website or that its content will meet your requirements, that the operation of this website or its contents will be uninterrupted or error-free, that defects will be corrected or that this website or the servers that make it available are free of viruses, worms, trojan horses, cancelbots, spybots or other malware or harmful components. PERL Mortgage does not warrant or make any representations regarding the use or results of the use of the content or other materials on the website or their correctness, completeness, timeliness, accuracy or reliability.
Limitations of Liability
PERL Mortgage’s entire liability for any and all damages, losses and causes of action and your sole and exclusive remedy arising out of your use of this website will be to discontinue your use of this website. PERL Mortgage will not be liable for any incidental, consequential, special, direct or indirect damages including, but not limited to, breach of contract, tortious behavior, negligence, strict liability, loss of data or profit arising out of the use of, or inability to use, or delay in the use of the website or its contents or in any way connected to the services provided by PERL Mortgage or the products and services obtained through PERL Mortgage even if PERL Mortgage has any knowledge of the possibility of such damages. Additionally, you agree to hold PERL Mortgage harmless for any damages incurred as a result of your misuse of this website.
Indemnity
To the fullest extent of the law, you agree to indemnify, defend and hold harmless PERL Mortgage and all its affiliates, and their respective officers, directors, owners, agents, representatives, information providers and licensors (each a “PERL Mortgage Party”) from and against any and all claims, liability, damages, losses, costs and expenses of any nature (including, but not limited to reasonable attorneys’ fees), judgments, fines, settlements and other amounts arising from any and all claims, demands, actions, suits or proceedings whether civil, criminal, administrative or investigatory in which a PERL Mortgage Party may be involved or threatened to be involved as party or otherwise arising out of or in connection with your use or alleged use of this website or your violation of the terms or conditions of these Terms of Use. PERL Mortgage reserves the right to assume the exclusive defense and control, at its own expense, of any matter otherwise subject to your foregoing indemnification. In such case, you agree to cooperate with a PERL Mortgage Party’s defense of such claim.
Dispute Resolution
The PERL Mortgage website resides on a server in Chicago, Illinois. By using PERL Mortgage’s website, you agree that the laws of the State of Illinois, without regard to the principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and PERL Mortgage. PERL Mortgage makes no representation that the materials on this website are appropriate or available in any other locations. Your use of this website shall connote your agreement to be under the venue and jurisdiction of law forums, agencies and other like entities sitting in Lake and/or Cook Counties, Illinois in all disputes involving this website. Otherwise, Use of this website is not authorized in any jurisdiction that does not give full force and effect to all provisions herein. You agree not to access this website in any jurisdiction where this website may violate any laws. If any provision of these Terms of Use or the application thereof to any person or circumstance will be invalid, illegal or unenforceable to any extent, the remainder of these Terms of Use and the application thereof will not be affected and will be enforceable to the fullest extent permitted by law.
Violation of any of the terms or conditions of these Terms of Use
If you cause intentional damage or interruption of PERL Mortgage’s computer system, resources or system service, or if PERL Mortgage becomes aware or determines, in its sole discretion, that you are violating any of the terms or conditions of these Terms of Use, PERL Mortgage may modify or terminate your privileges, with or without notice to you.
Modifications
PERL Mortgage welcomes the submission of comments, information or feedback concerning this website. Also, if you see anything on the website that you believe is incorrect, please let us know by sending you comments to perl@perlmortgage.com. However, any communication or information you transmit to PERL Mortgage should not be considered to you to be confidential or proprietary and will become PERL Mortgage’s sole and exclusive property to be used by PERL Mortgage as it determines in its sole discretion and without compensation or restriction.
These Terms of Use constitute the entire agreement between the parties relating to the subject matter herein described. Only PERL Mortgage may modify these Terms of Use, as PERL Mortgage, in its sole discretion, deems necessary. Further, Perl Mortgage reserves the right to change these Terms of Use at any time. Any changes will appear on the website as expeditiously as possible. You should re-review this policy periodically or prior to any subsequent use to determine what changes have been made to these Terms of Use.
These Terms of Use were last updated on June of 2007.
All contents of this website are copyrighted: Copyright © 2007, PERL Mortgage, Inc. All Rights Reserved. Other products, names and marks mentioned herein may be the trademarks of their respective owners.