Rev. Dec. 2012

FACTS WHAT DOES PERL MORTGAGE DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
 
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:n  Social Security number and incomen  account balances and assetsn  credit history and employment information
 
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons PERL Mortgage chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information

Does PERL Mortgage share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes—
information about your transactions and experiences

No

We don’t share

For our affiliates’ everyday business purposes—
information about your creditworthiness

No

We don’t share

For our affiliates to market to you

No

We don’t share

For non-affiliates to market to you

No

We don’t share

Questions? Call toll-free 888-562-6626 or go to www.perlmortgage.com

 

 

 

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What we do
How does PERL Mortgage protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does PERL Mortgage collect my personal information? We collect your personal information, for example, when youn  apply for a loan or give us your income informationn  provide employment information or pay us by checkn  give us your contact informationWe also collect your personal information from others, such as credit bureaus or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit onlyn  sharing for affiliates’ everyday business purposes—information about your creditworthinessn  affiliates from using your information to market to youn  sharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing.  See below for more on your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.n PERL Mortgage has no affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.n  PERL Mortgage does not share with non-affiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.n  PERL Mortgage doesn’t jointly market.

 

Other important information
California: Under California law, we will not share information we collect about you, unless the law allows.  For example, we may share information to administer a transaction authorized by you or in connection with servicing or processing a financial product or service requested by you.