Privacy Notices
GENERAL PRIVACY NOTICE
This privacy notice discloses the privacy practices for (www.unifininc.com). This privacy notice applies solely to information collected by this web site. It will notify you of the following:
What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
What choices are available to you regarding the use of your data.
The security procedures in place to protect the misuse of your information.
How you can correct any inaccuracies in the information.
Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request.
Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.
Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:
See what data we have about you, if any.
Change/correct any data we have about you.
Have us delete any data we have about you.
Express any concern you have about our use of your data.
Security
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
Cookies
We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.
Links
This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Regarding your debt
To communicate with Unifin, Inc. regarding a debt that has been placed for collection with Unifin, Inc., send all correspondence regarding that account by the U.S. Postal Service. Include the following information:
Your name
Mailing address
Creditor name
Creditor account number
Please note: Without complete information, we are unable to respond to your request.
Unifin SMS Alerts
Send UNIFIN to 82868 or enter your phone number on the Unifin website to get text alerts. You may receive a welcome message and subsequent account update messages.
Unifin does not charge for receiving text message alerts. Message frequency varies by account. Message and data rates may apply. Check your text messaging plan with your carrier. For help, text HELP to 82868 or email myaccount@unifininc.com To stop receiving text messages at any time, text STOP to 82868. Supported carriers include: AT&T, Verizon, MetroPCS, Sprint, Boost, T-Mobile, Alltel, Virgin Mobile, U.S. Cellular. Carriers are not liable for delayed or undelivered messages.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Updates
Our Privacy Policy may change from time to time and all updates will be posted on this page.
If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 847-250-0041 or email us at info@unifininc.com
CALIFORNIA RESIDENTS: PRIVACY POLICY NOTICE
This Privacy Policy Notice is intended for California residents pursuant to the California Consumer Privacy Act of 2018 and California Privacy Rights Act of 2020 (collectively “CCPA”), and supplements the information contained in the above Privacy Policy. Any terms defined in the CCPA and applicable California regulations have the same meaning as used in this Privacy Policy Notice. If you have a disability and want this Privacy Policy Notice provided in an alternative format, please call us as (888) 572-3987 or write us at Unifin, Inc. PO Box 1608. Skokie, IL. 60076. If you have questions about our Privacy Policy or practices, please call (888) 572-3987.
1. Information We Collect About You
We may collect and use personal information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be directly or indirectly linked, with a consumer, device, or household (“personal information”).
Personal Information does not include:
· Publicly available information from government records.
· Deidentified or aggregated consumer information.
· Information excluded from the CCPA’s scope, such as (but not limited to) information governed by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), the California Confidentiality of Medical Information Act (“CMIA”), the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act (“GLBA”), California Financial Information Privacy Act (“FIPA”), and the Driver’s Privacy Protection Act of 1994 (“DPPA”).
We regularly collect (and have collected in the past 12 months) several types of personal information about individuals regarding accounts we service or purchase, including:
2. How Your Personal Information is Collected
We collect most of this personal information from our creditor clients or from you or your authorized representative by telephone or written communications. However, we may also collect information:
· From publicly accessible sources (e.g., property or other government records);
· From our service providers (e.g., call analytics, information source, skip-tracing, collections, payment processing, mailing, and other vendors)
3. Why We Use or Disclose Your Personal Information
We regularly use or disclose personal information for one or more of the following business purposes:
· Fulfill the reason you provided the information. For example, if you share your personal information to make a payment, we will use that information to process your payment.
· Perform services on behalf of a business or service provider, including maintaining or servicing accounts, providing customer service, processing transactions, verifying customer information, processing payments, providing analytic services, or providing similar services on behalf of the business or service provider
· Provide you with information or services that you request from us
· Auditing related to consumer interactions
· Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity
· Debugging to identify and repair errors that impair existing intended functionality
· Short-term, transient use, where the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction
· Undertaking activities to verify or maintain the quality of a service or device that is owned, made by or for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, made by or for, or controlled by us
· Respond to law enforcement requests and as required by applicable law or court order
· As appropriate to protect the rights, property, or safety of us, our clients, or others
· As described to you when collecting your personal information or as otherwise set forth in the CCPA.
We will not collect additional categories of personal information or use the personal information we collected for materially different purposes without providing you notice.
We regularly disclose (and have disclosed in the past 12 months) the above listed categories of personal information for business purposes to one or more of the following categories of third parties: our creditor clients, our service providers (payment processing, mailing, collection, call analytics and other vendors), credit reporting agencies, regulatory and law enforcement agencies.
We do not sell or share your personal information under the CCPA.
We do not use or disclose sensitive personal information for purposes other than those necessary to perform services reasonably expected by an average consumer; to help ensure security and integrity where use of the information is reasonably necessary and proportionate for this purpose; for short-term, transient use; for performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling transactions, verifying customer information, processing payments, or providing similar services; for undertaking activities to verify or maintain the quality of our services, and to improve, upgrade, or enhance our services.
We retain each category of personal information or sensitive personal information no longer than is reasonably necessary for the purposes for which it was collected as stated in this privacy policy, unless extending the retention period is otherwise required or permitted by law. Subject to this limitation, the retention period of each category of personal information or sensitive personal information is determined by considering the following: the time required to retain the information to fulfill our business purposes; the time applicable to maintaining corresponding transaction and business records; the time necessary to respond to consumer queries, complaints or lawsuits; data retention requirements of applicable laws or contracts; and applicable data retention policies as may be in place from time to time.
4. Verifiable Consumer Requests for Information
Upon verification of identity, California residents may in some cases request that a business:
· Disclose the categories of personal information the business collected about the consumer;
· Disclose the categories of sources from which the personal information is collected
· Disclose the categories of personal information that the business sold about the consumer;
· Disclose the categories of personal information that the business disclosed about the consumer for a business purpose;
· Disclose the categories of third parties with whom the business shares personal information
· Disclose specific pieces of personal information the business has collected about the consumer
· Disclose any financial incentives offered by the business for collection, sale, or deletion of personal information
You have a right not to receive discriminatory treatment by a business for your exercise of CCPA privacy rights. A business may charge a different price or rate, or provide a different level or quality of goods or services to you, if that difference is reasonably related to the value provided to you by your personal information.
For applicable personal information access and portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
Please note that we are not required to:
· Carry out information access requests we receive from you if acting as a service provider or contractor to another entity regarding such information
· Retain any personal information about you that was collected for a single one-time transaction if, in the ordinary course of business, that information about you is not retained;
· Reidentify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered personal information;
· Provide the requested information disclosure to you more than twice in a 12-month period.
· Provide the requested information disclosure if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person’s behalf; or
· Provide the requested information disclosure if a CCPA or applicable exception applies.
5. Right to Request Deletion of Personal Information
Upon verification of identity, California residents may in some cases request that a business delete personal information about you that the business collected from you and retained, subject to certain exceptions.
We may deny your deletion request if we are acting in the role of a service provider to another business regarding the applicable personal information. If we deny your request on that basis, we will generally refer you to the relevant business. In addition, we may deny your deletion request if retaining the information is necessary for us or our service providers to:
· Complete the transaction for which the personal information was collected, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us.
· Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity.
· Debug to identify and repair errors that impair existing intended functionality.
· Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law.
· Comply with the California Electronic Communications Privacy Act.
· Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us.
· Comply with a legal obligation; or
· If another CCPA or applicable exception applies.
6. Right to Request Correction of Inaccurate Personal Information
Upon verification of identity, California residents may in some cases request a business that maintains inaccurate personal information about you correct that inaccurate personal information. We will use commercially reasonable efforts to correct the inaccurate personal information.
California residents may make verifiable requests to disclose, delete, or correct pursuant to the CCPA or obtain more information by calling us at (888) 572-3987, visiting us at Unifininc.com, mailing us at Unifin, Inc. PO Box 1608. Skokie, IL. 60076, or emailing us at myaccount@unifininc.com.
7. Verifying Your Identity If You Submit CCPA Requests
If you choose to contact us directly via the designated methods described above to exercise your CCPA rights, you will need to:
· Provide enough information to reasonably identify you (e.g., your full name, account number if applicable, and potentially other identifying information); and
· Describe your request with sufficient detail to allow us to properly process and respond to your request.
If seeking to make a verifiable request under the CCPA on behalf of someone else, we require enough information to reasonably identify the subject of the request (including name and other identifying information) and the subject’s written consent to make the CCPA request on his or her behalf, as consistent with applicable law.
We are not obligated to make an information disclosure or carry out a deletion request pursuant to the CCPA if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person’s behalf.
Any personal information we collect from you in order to verify your identity in connection with your CCPA request will be used solely for the purposes of verification.
Last modified: 9/25/2024