Last Revised: January 01, 1601
This Policy describes:
• The types of information we collect from you or that you may provide when you visit our website available at: http://www.unifund.com/, as well as any websites and blogs directly owned by Unifund (“our Website”).
• Our practices for collecting, using, maintaining, protecting, and disclosing that information.
This Policy does not govern the Company’s processing of your nonpublic personal information that you might provide the Company through financial transactions completed in person, via mail or through other means. Please refer to your annual Privacy Statement send by the Company for information on how nonpublic personal information is used by the Company and your options involving such use.
Please read this Policy carefully to understand our practices regarding your information and how we will treat it. If you do not agree with our policies and practices, then please do not use our Website. By using our Website, you agree to the terms of this Policy. This Policy may change from time to time (see below, “Changes to this Policy”). Your continued use of our Website after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates.
To ensure that we provide you with the best possible experience, we will store, use, and share information about you in accordance with this Policy.
Information You Provide to Us
Personal Information is any information that can be used to individually identify you from a larger group, such as data including, but not limited to, your:
• first and last name
• date of birth
• last four digits of your social security number
• credit card number
• email address
• telephone number
• mailing address
• comments or messages provided in free text boxes.
You may provide us Personal Information when you:
• request information
• make a payment
• contact us
• submit an employment application
• subscribe to our emails
• register yourself with the Website.
The information that you provide in each case will vary with the services you are requesting or accessing. In some cases, we may ask you to create a username and password that should only be known to you. Additionally, credit card information that you provide is handled by an established third party and PCI-DSS compliant data processor, such as REPAY, LLC, which is responsible for processing and securing your credit card information.
Automated Information Collection
In addition to the information that you provide to us, we may also collect information about you during your visit to our Website. We collect this information using automated tools that are detailed below. These tools may collect information about your behavior and your computer system, such as your internet address (IP Address), the pages you have viewed, and the actions you have taken while using the Website. Some of the tools we use to automatically collect information about you may include:
(a) Cookies. A “cookie” is a small data file transmitted from a website to your computer’s hard drive. Cookies are usually defined in one of two ways, and we may use both of them:
(1) session cookies, which do not stay on your computer after you close your browser, and
(2) persistent cookies, which remain on your computer until you delete them or they expire. Of course, if you do not wish to have cookies on your devices, you may turn them off at any time by modifying your internet browser’s settings. However, by disabling cookies on your device, you may be prohibited from full use of the Website’s features or lose access to some functionality.
(b) Web Beacons. A Web Beacon is an electronic image. Web Beacons can track certain things from your computer and can report activity back to a web server allowing us to understand some of your behavior. If you choose to receive emails from us, we may use Web Beacons to track your reaction to our emails. We may also use them to track if you click on the links and at what time and date you do so. Some of our third-party marketing partners may use Web Beacons to track your interaction with online advertising banners on our websites. This information is only collected in aggregate form and will not be linked to your Personal Information. Please note that any image file on a webpage can act as a Web Beacon.
(c) Embedded Web Links. Links provided in our emails and, in some cases, on third-party websites may include tracking technology embedded in the link. The tracking is accomplished through a redirection system. The redirection system allows us to understand how the link is being used by email recipients. Some of these links will enable us to identify that you have personally clicked on the link and this may be attached to the Personal Information that we hold about you. This data is used to improve our service to you and to help us understand the performance of our marketing campaigns.
(d) Third-party Websites and Services. We work with a number of service providers of marketing communications technology. These service providers may use various data collection methods to improve the performance of the marketing campaigns we are contracting them to provide. The information collected can be gathered on our websites and also on the websites where our marketing communications are appearing. For example, we may collect data where our banner advertisements are displayed on third-party websites.
Other than as disclosed in this Policy, the Website does not track users over time and across third-party websites to provide targeted advertising. Therefore, the Website does not operate any differently when it receives Do Not Track (“DNT”) signals from your internet web browser.
We want to provide you with relevant information that you have requested.
If we provide subscription-based services, such as email newsletters, we will allow you to make choices about what information you provide at the point of information collection or at any time after you have received a communication from us while you are subscribed. Any transactional or service-oriented messages are usually excluded from such preferences, as such messages are required to respond to your requests or to provide goods and services, and are not intended for the purposes of marketing.
Any such communications you receive from us will be administered in accordance with your preferences and this Policy.
We strive to maintain and process your information accurately. We have processes in place to maintain all of our information in accordance with relevant data governance frameworks and legal requirements. We employ technologies designed to help us maintain information accuracy on input and processing.
Where we can provide you access to your Personal Information in our possession, we will always ask you for a username and password to help protect your privacy and security. We recommend that you keep your password safe, that you change it periodically, and that you do not disclose it to any other person or allow any other person to use it.
To view and change the Personal Information that you have provided to us, you can log in to your account and follow the instructions on that webpage, or contact us directly for assistance.
We do not intentionally seek to gather information from individuals under the age of eighteen. We do not target the Website to minors, and would not expect them to be engaging with our Website or services. We encourage parents and guardians to provide adequate protection measures to prevent minors from providing information unwillingly on the internet. If we are aware of any Personal Information that we have collected about minors, we will take steps to securely remove it from our systems.
The information we gather and that you provide is collected to provide you information and the services you request, in addition to various other purposes, including, but not limited to:
• Preventing malicious activity and providing you with a secure experience.
• Providing service and support for services you request.
• Providing marketing communications that are effective and optimized for you.
• Keeping you up-to-date with the latest benefits available from us.
• Preventing unwanted messages or content.
• Measuring the performance of our marketing programs.
• Contacting you about services and offers that are relevant to you.
We do not sell or lease your information to any third party. We may disclose your Personal Information to our trusted third-party business partners in accordance with this Policy or with your consent. We work with a number of partners that help us process your requests, deliver customer service and support, send email marketing communications, and provide experiences that you have come to expect from us. We will share your personal information with these third parties in order to fulfill the service that they provide to us. These third-party partners are under contract to keep your personal information secure and not to use it for any reason other than to fulfill the service we have requested from them.
As part of Unifund’s debt collection practices we may also disclose Personal Information to credit reporting agencies and vendors such as collection agencies and law firms pursuant to applicable laws and contracts ensuring that such third parties keep your personal information secure and do not use it for any reason other than to fulfill the service we have requested on your behalf or they are authorized to perform under law.
California Residents. We will not disclose or share your Personal Information with third parties for the purposes of third-party marketing to you without your prior consent.
Except as described in this Policy, we will not share your information with third parties without your notice and consent, unless it is under one of the following circumstances:
• Responding to duly authorized information requests from law enforcement or other governmental authorities.
• Complying with any law, regulations, subpoena, or court order.
• Investigating and helping prevent security threats, fraud, or other malicious activity.
• Enforcing or protecting the rights and properties of Unifund or its subsidiaries.
• Protecting the rights or personal safety of Unifund’s employees.
There are circumstances where Unifund may decide to buy, sell, or reorganize its business in selected countries. Under these circumstances, it may be necessary to share or receive Personal Information with prospective or actual partners or affiliates. In such circumstances, Unifund will ensure your information is used in accordance with this Policy.
Our Website is intended solely for use by individuals within the United States. Accordingly, we disclaim any compliance with the laws of any jurisdiction regarding privacy and the use of information other than those of the United States. Furthermore, we may store, process, and transmit information in the United States or other locations around the world, including countries that may not have the same privacy and security laws as yours. Regardless of the country in which such information is stored or from which you access our Website, we will process your Personal Information in accordance with this Policy.
We take reasonable technical, administrative, and physical safeguards in order to protect your Personal Information against accidental loss and from unauthorized access, use, alteration, and disclosure. However, we can never promise 100% security. You have a responsibility, as well, to safeguard your information through the proper use and security of any online credentials used to access your Personal Information, such as a username and password. If you believe your credentials have been compromised, please change your password. Please also notify us of any unauthorized use of your credentials or your Personal Information.
We value your opinions and welcome your feedback. To contact us about this Policy or your Personal Information, please contact Unifund CCR Partners, Unifund CCR, LLC, or Unifund Corporation at
PO Box 42121
Cincinnati, Ohio 45242-0121