By using or accessing this website you signify your acknowledgment and assent to
the Privacy Policy set forth below. If you do not agree to this policy, please do
not use this website. This policy is intended to help you understand how Unifund
CCR Partners, its subsidiaries and affiliates ("Unifund," "we," or "us") collect,
use and safeguard the information you provide on our website.
What we do
Unifund is a national buyer and seller of charged-off consumer receivables. These
consumer receivables may contain certain personal identifiable information such
as name, address, social security number and payment history. While holding and
collecting money for its own account, Unifund liquidates the receivables through
alliances with investors, collection agencies and law firms nationwide that specialize
in the recovery of these assets. Unifund is a company that is recognized for accountability
and integrity.
What we collect
We aggregate both anonymous and personal data. What we collect depends on what you
do when you use our website and on what personal information you elect to give us.
Anonymous data
We collect anonymous data when you visit our site, including your internet address,
the time of your visit and the pages that you view. We use this information to monitor
and improve the performance of our site so that we can continue to effectively and
reliably provide useful services for our visitors and our company.
Personal information
If you wish, you can provide us with personal information about yourself by using
the contact forms and email addresses on this site. This information includes your
name, business name, email address and phone number. We only collect this information
directly from you and only when you elect to provide it. Personal information about
you is only used to conduct business with you. If you accept the opportunity to
be contacted by us, either by personal email, telephone or email newsletter, you
can revoke that acceptance at any time by contacting us at the contact points specified
below.
Depending upon which of our services you are utilizing, the types of non-public
personal information that we may collect include:
- Name, postal address, email address, and telephone number.
- Information we receive from you on applications, forms and in other communications
to us, whether in writing, in person, by telephone or by any other means;
- Information about your transactions with us, our affiliated companies, or others;
- Information from your transactions with us, such as payment history;
- Information we receive from your computer when you visit our website that is unique
to e-commerce transactions. It may include the website you visited before ours,
your Internet e-mail address and operating system and statistical information on
Web traffic and usage patterns.
We do not provide customer information to persons or organizations outside Unifund
that are doing business on Unifund's behalf for their own marketing purposes.
We store information that we collect through cookies, log files, and/or clear gifs
to create a profile of our users. A profile is stored information that we keep on
individual users that details their viewing preferences. Consequently, collected
information is tied to the users' personally identifiable information to provide
offers and improve the content of the site for the user. This profile is used to
tailor a user's visit to our website, and to direct pertinent marketing promotions
to them. We do not share your profile with other third parties.
What we share
In the course of liquidating the receivables through alliances with investors, collection
agencies and law firms, personal information related to your account may be shared
or transferred to these entities for them to properly conduct their business. Except
for this possible sharing, we DO NOT sell, lease or otherwise share any aggregate
non-personably identifiable data or personal information about our visitors with
or to any third party companies or individuals. We may disclose your personal information
if required to do so by law or in the good-faith belief that such action is necessary
to: (a) conform to the edicts of the law or comply with legal process served on
Unifund or its websites; (b) protect and defend the rights or property of Unifund
or (c) act to protect the personal safety of the employees of Unifund and other
users of the website.
What we use
"Cookies" and JavaScript
We may use cookies. Web cookies are small bits of information that your web browser
may allow our server to store on your computer. We use this information to anonymously
track your visit to our site. Even if you elect to give us personal information,
it will never appear in the cookies. We may use both session ID cookies and persistent
cookies. For the session ID cookies, once users close the browser, the cookie simply
terminates. A persistent cookie is a small text file stored on the user's hard drive
for an extended period of time. Persistent cookies can be removed by following Internet
browser help file directions. You can disable cookies (consult support information
from your browser's publisher). If you disable cookies, your visit to our site will
not be significantly affected though, from time to time, we may provide special
features that require the use of cookies.
JavaScript is a programming language that's used to automate certain web features
such as buttons that light up when you select them and menus that expand as you
use them. We may use JavaScript to enhance our website and to assist in the tracking
of anonymous data. If you disable JavaScript, many of the features on our website
may not work.
Web Beacons (Clear Gifs)
Certain Unifund websites may also contain electronic images known as web beacons,
or clear gif technology, that can be used to assist in determining what content
is effective on the website. Web beacons are tiny graphics with a unique identifier,
similar in function to cookies, and are used to track the online movement of web
users. The main difference between the two is that clear gifs are invisible on the
page and are much smaller, about the size of the period at the end of this sentence.
Web beacons are not used to access your personal information. They are a technique
used to compile aggregate statistics about usage of Unifund websites. Web beacons
collect a limited set of information including a cookie number, time and date of
a page view and a description of the page on which the Web beacon resides.
Clear Gifs can "work with" existing cookies on a computer if they are both from
the same website or web marketing/customer service company. That means, for example
that if a person visited "www.companyX.com", which uses a web marketing company's
clear gif, the website or web marketing company would match the clear gif's identifier
and the web marketing company's cookie ID number, to show the past online behavior
for that computer. This collected information would then be given to the website.
In addition, we may use clear gifs in our HTML-based emails to let us know which
emails have been opened by the recipients. This allows us to gauge the effectiveness
of certain communications and the effectiveness of our marketing campaigns.
Log Files
Like most standard website servers we use log files. This includes internet protocol
(IP) addresses, browser type, internet service provider (ISP), referring/exit pages,
platform type, date/time stamp, and number of clicks to analyze trends, administer
the site, track user's movement in the aggregate, and gather broad demographic information
for aggregate use. IP addresses are tied to personally identifiable information
to enable our web-based service.
USE OF PERSONAL DATA
Personal information provided by users who are 13 or more years of age may be used
for marketing and promotional purposes only by Unifund and its subsidiaries and
affiliates. Unifund does not rent, sell or otherwise distribute to third parties,
your personal information entered on this site except as described above. While
we use all reasonable efforts to safeguard the confidentiality of your information,
Unifund will have no liability for disclosure of any information obtained due to
errors in transmission or the unauthorized acts of third parties.
Children's Privacy
We believe that protecting the privacy of children is very important. Our websites
are not designed to attract individuals under the age of 18. In accordance with
the Children's Online Privacy Protection Act (COPPA), we do not collect or store
any personal information, even in aggregate, about children under the age of 13.
If we discover we have received any information from a child under the age of 13
in violation of this policy, we will delete that information immediately. If you
believe that Unifund has any information from or about anyone under the age of 13,
please contact us at the contact points specified below.
LINKED SITES
Our website may contain links to various other websites. Unifund assumes no responsibility
for the content or practices of websites linked through our website and such linking
should not suggest or imply any affiliation or endorsement by Unifund of the linked
website. Please be aware that we, Unifund, are not responsible for the 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 each and every website that collects personally
identifiable information. This privacy statement applies solely to information collected
by this website.
Opt-out
Users who no longer wish to receive our newsletter and promotional communications
may opt-out of receiving these communications by contacting us at the contact points
specified below.
Security
We follow industry standards and practices to safeguard all of the information,
anonymous and personal, that we collect. Unifund will only provide access to personal
information about you to those of our employees who need that information to do
business with you. If users have any questions about the security of our website,
users can contact us at the contact points specified below.
Correcting/Updating/Deleting/Deactivating Personal Information
If a user's personally identifiable information changes (such as zip code, phone,
email or postal address), we provide a way to correct or update users' personally
identifiable information. This can usually be accomplished by contacting us at the
contact points specified below.
Revisions to this policy
Unifund reserves the right to periodically revise this policy. Please check this
page periodically for changes. The document revision date displayed below will indicate
when this policy was last revised. If we decide to change our privacy policy, we
will post those changes to this privacy statement, and other places we deem appropriate
so our users are always aware of what information we collect, how we use it, and
under what circumstances, if any, we disclose it. We will use information in accordance
with the privacy policy under which the information was collected.
If, however, we are going to use users' personally identifiable information in a
manner different from that stated at the time of collection we will notify users
via email. Users will have a choice as to whether or not we use their information
in this different manner. In addition, if we make any material changes in our privacy
practices that do not affect user information already stored in our database, we
will post a prominent notice on our website notifying users of the change. In some
cases where we post a notice we will also email users notifying them of the changes
in our privacy practices.
CONTACT INFORMATION:
Questions about this privacy policy should be directed to:
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Contact Name
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General Counsel
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Unifund CCR Partners |
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Address
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10625 Techwoods Circle |
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Cincinnati, Ohio 45242 |
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Contact Us
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Questions about our products should not be directed to this address and will not
be replied to.
Please use this contact information only for legal and privacy policy matters. For
all other inquiries, refer to the Contact Us section of our home page.
This document was last revised on 06/19/06.
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