Text Message Policy
When you provide us your cell phone number and opt in to our text messaging program, you have provided us with express consent to send you text messages about your loan, such as payment reminders along with marketing messages about other services we offer, including special offers you may be eligible for. Your cellular provider's message and data rates may apply to our confirmation message and all subsequent messages. We do not charge you for any text messages we send you.
You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. Please notify us immediately if you change mobile numbers or plan to provide your phone to another person.
If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy. We may terminate our text message program at any time. If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please contact us using the following information: Chirp@email.perchloans.com or {{ appObject.applicationViewModel.CompanyPhone }}.
By opting in, you agree and expressly consent to be contacted by us, our agents, employees, and/or affiliates through the use of email, and/or telephone calls and/or SMS text messages to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including with the use of automatic telephone dialing systems, auto dialers, or an artificial or prerecorded voice.
If you wish to stop receiving marketing text messages from us, reply to any marketing text message we have sent you with STOP. If you wish to stop receiving account maintenance text messages from us, such as payment reminders, reply to any account maintenance text message we have sent you with STOP. If you wish to stop receiving all text messages from us, type STOP ALL in the reply text you send us. Your stop request will become effective within one day.
If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and in the reply text simply type "HELP". Upon receiving your text message, we will send you a text message with our phone number, a link to this policy, and instructions on how to stop text messages. The number of text messages that we send to you per month will depend on your specific account details. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access.
Any information you provide is kept secure and private. See our Privacy Policy.
*Approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded the morning of the next banking day, but exceptions may apply.
Certain limitations apply. Loans, advance requests, and extension requests subject to approval. If we are unable to verify your application electronically, we may ask you to provide certain documents before final approval.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying
documents.
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Privacy Policy
Facts
What does Perch Loans 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:
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 Perch Loans chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Perch Loans share?
Can you limit this sharing?
Reasons we can share your personal information
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
Does Perch Loans share? Yes
Can you limit this sharing? No
For our marketing purposes — to offer our products and services to you
Does Perch Loans share? Yes
Can you limit this sharing? No
For joint marketing with other financial companies
Does Perch Loans share? Yes
Can you limit this sharing? No
For our affiliates' everyday business purposes — information about your transactions and experiences
Does Perch Loans share? Yes
Can you limit this sharing? No
For our affiliates' everyday business purposes — information about your creditworthiness
Does Perch Loans share? Yes
Can you limit this sharing? Yes
For our affiliates to market to you
Does Perch Loans share? Yes
Can you limit this sharing? Yes
For nonaffiliates to market to you
Does Perch Loans share? Yes
Can you limit this sharing? Yes
Mobile Numbers: We will never share your mobile number so that any affiliates or non-affiliates can market to you without your consent. Your mobile number opt in will not be shared or sold for marketing purposes.
To limit our sharing
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call 1-866-261-5168 or go to https://www.perchloans.com
Mail-in Form
Mark any/all you want to limit:
Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
Do not allow your affiliates to use my personal information to market to me.
Do not share my personal information with nonaffiliates to market their products and services to me.
Name
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Address
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The customer's city, state, and zip code will go in this field. This row is empty, but the text is needed to push the table width.
City, State, Zip
The customer's city, state, and zip code will go in this field. This row is empty, but the text is needed to push the table width.
Customer #
The customer's number ID will go in this field. This row is empty, but the text is needed to push the table width.
Mail to
Perch Loans
Att: Opt Out
P.O. Box 3058
Spartanburg, SC 29304-3058
Who we are
Who is providing this notice?
Perch Loans through its operating entities including Flexible Loans of Delaware, LLC; Flexible Loans of Mississippi, LLC; Flexible Loans of Missouri; LLC Flexible Loans of Wisconsin, LLC
What we do
How does Perch Loans 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 Perch Loans collect my personal information?
We collect your personal information, for example, when you:
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.