Privacy Policy and State and Local Disclosures

UNIFUND PRIVACY POLICY

Last Updated 5/29/2024

1. What Information Do We Collect?
2. How We Use Your Information
3. How We Collect Your Information
4. How We Share Your Information
5. How We Use Cookies
6. Sharing Your Information With Consumer Reporting Agencies
7. How Long We Keep Your Information
8. How We Protect Your Information
9. Your Legal Rights
10. Links To Other Websites
11. Privacy Policy Changes
12. State Disclosures

This Privacy Policy discloses the privacy practices of Unifund CCR Partners, Unifund CCR, LLC, and Unifund Corporation (also referred to collectively as “Unifund”, “us,” or “we”). We understand that your privacy is important to you and are committed to protecting your privacy. This Privacy Policy explains what information we collect, how we use that information, and how we protect your privacy.

Unifund’s website, located at www.unifund.com (the “website”), is not intended for individuals less than the age of eighteen. Unifund does not knowingly collect data relating to individuals less than the age of eighteen.

Nothing in this Privacy Policy is intended to contradict your rights under the Fair Debt Collection Practices Act (“FDCPA”). Except as provided in section 1692b of the FDCPA, without your prior consent, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, Unifund will not communicate, in connection with the collection of your debt, with any person other than you, your attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or its attorney.

Questions, comments, and complaints about Unifund’s data practices can be submitted to:

Unifund CCR Partners
PO Box 42121
Cincinnati, OH 45242-0121
Toll free: (888) 384-8134

Data Controller

Unifund CCR Partners is the controller and responsible for your personal data.

What information do we collect?

Nonpublic Personal Information. Nonpublic personal information that we collect includes: contact information (including, but not limited to, name, alias, postal addresses, telephone numbers, fax numbers, and email addresses) financial information (including, but not limited to, credit and debit account numbers and expiration dates, bank account numbers, names on financial accounts, billing addresses, account application information, account balances and history, credit bureau reports, employment information, property and ownership information, and other relevant information that you provide), date of birth, age, signature, place of employment, employment history, veteran/military status, records of personal property, products or services purchased, education records (such as those directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records), and government issued identifying numbers (such as a driver’s license numbers, passport numbers, and social security numbers), financial account details that allow access to an account, such as a credit card number and access code, genetic data, precise geolocation, race or ethnicity, religious or philosophical beliefs, union membership, contents of mail email or text messages, biometric data related to your unique identification.

Public Personal Information. Public personal information (or information which a financial institution reasonably believes is publicly available) that we may collect includes information related to motor vehicle ownership, drivers’ license information (in some states), addresses, telephone numbers, and real estate ownership data derived from paper and/or electronic public records.

How We Use Your Information

Personal information is collected for the purpose of debt recovery in a lawful manner and remains part of our records until we determine the information is no longer needed, or we are required by law to delete such information. We may also use personal information that you provide to us to fulfill or meet the reason you provided such information. Your personal information will also be used to perform services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, verifying customer information, processing payments, providing analytic services, or providing similar services (“Services”). We may also use your information to respond to law enforcement requests and as otherwise permitted by applicable law, court order, or governmental regulations, to ensure security and integrity of the personal information, and to prevent fraud.

Personal information is collected only as necessary to perform our Services, process payments, maintain or service your account, to ensure security and integrity regarding the use of such personal information, and to verify or maintain the safety and quality of the Services. Personal information is not collected with the purpose of inferring characteristics about you.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

We do not sell and will not sell your personal information.

How We Collect Your Information

We collect most of this personal information directly from our clients for whom we provide services, as well as from you by telephone, written correspondence through the mail, email or fax, by viewing public social media/network pages, or other information available online. However, we may also collect information:

• From publicly accessible sources (e.g., property records or court records);
• From your transactions with us;
• From our service providers (e.g., letter vendor, location vendors, payment processing vendors, and/or electronic signature service provider);
• Directly from a third party (e.g., third parties contacted during location activities pursuant to 15 U.S.C. §1692b, such as your friends, neighbors, relatives, and/or employer);
• Consumer reporting agencies (CRAs)
• From a third party with your consent (e.g., your authorized representative and/or attorney); and
• From activity on our website.

How We Share Your Information

Unifund may share personally identifiable information it collects with its employees who need to know that information to provide collection services with respect to your account. Except as provided below, Unifund will not share or disclose any personally identifiable information with any nonaffiliated third-party company or marketing group without your express permission. Unifund may share your personal information with nonaffiliated third parties to the extent it is reasonably necessary to manage or service your account, process payment, fulfill a transaction, respond to court orders and legal investigations, report to credit bureaus, or as otherwise authorized by law. Further, Unifund may disclose personally identifiable information to a nonaffiliated third party (i) with which Unifund enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other government agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or in connection with litigation brought against, or on behalf of, Unifund, where appropriate, (iii) if determined by Unifund in its sole judgment that such disclosure is appropriate to protect the life, health, or property of Unifund or any other person or entity, all in compliance with applicable law, (iv) as authorized or designated by you, or (v) to conduct any other legitimate business activity not otherwise prohibited by law. The foregoing is not intended to obviate or displace any legal obligations or duties applicable to Unifund.

We will not disclose personally identifiable information to affiliates or non-affiliated third parties except as set forth in this Policy.

How We Use Cookies

Unifund may collect certain computer and browser information through automated technologies such as cookies and web beacons when you visit our website. Cookies are small pieces of (text) information that are sent to your browser when you visit the website to identify the browser or to store information or settings in the browser. They are then stored on the hard disk or in the memory of your equipment. The browser can send this information back on your next visit to the website. The cookies placed via the website cannot damage your equipment or the files stored on it. Web beacons (also known as internet tags, pixel tags, or clear GIFs) link web pages to web servers and their cookies may be used to transmit information collected back to a web server.

Sharing your information with Consumer Reporting Agencies
Consumer Reporting Agencies (CRAs) collect and maintain information on consumer and business credit profiles on behalf of organizations in the United States. We may share information about you with CRAs and may carry out periodic searches with them to verify your identity or manage your account. Details of your account(s) with us may be sent to CRAs and recorded by them. This information may be supplied by CRAs and may be used and searched by us and other organizations, such as debt collection agencies, in order to:

• consider applications for credit and credit related services;
• locate debtors and recover debts; and
• manage your accounts.

Unifund may furnish account information to Experian, Equifax, and TransUnion. You have a right to obtain an annual copy of your credit file from CRAs by visiting https://www.annualcreditreport.com.

Your Choices: Unifund offers you certain choices in connection with the personal data it collects from you, including: Your Unifund Account: You may review, update and correct your contact information, including your telephone number and email address, after logging in to the website, or by calling our office. Your Payments: You can elect not to utilize the payment portal of Unifund’s website and not to make payments via credit card or check. If you have any questions regarding any of these choices, please contact Unifund.

Our Contact Address is:

Unifund CCR Partners PO Box 42121 Cincinnati, OH 45242-0121

Toll free: (888) 384-8134

You may update or correct your contact information by calling or mailing Unifund.

How Long We Keep Your Information

Unifund will retain until we determine the information is no longer needed, or as otherwise required by law. Unifund thereafter deletes or anonymizes such information in accordance with applicable laws.

How We Protect Information

Unifund has implemented physical, electronic, and procedural security safeguards to protect against the unauthorized release of or access to personal information. We employ internal and external system safeguards designed to protect confidentiality and security of personal information. We restrict access to nonpublic personal information about you to those employees determined by us to need to know the information. E-mail posted or sent to Unifund may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, or because we cannot verify your identity, we may be unable to respond to e-mail requests concerning accounts placed for collection unless you have requested or authorized us to do so. If any questions arise about security, please contact Unifund using the information provided above.

Links to Other Websites

Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. We are not responsible for the protection and privacy of any information that you provide while visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Privacy Policy Changes

Unifund may change this Privacy Policy at any time. Notice of any new or revised Privacy Policy, as well as the location of the new or revised statement, will be posted on the website after the change. It is the obligation of users visiting the website before the change to learn of changes to the Privacy Policy since their last visit.

STATE DISCLOSURES

For California Residents Only:

The State Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

For Colorado Residents Only:

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with a consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any action authorized by law to collect the debt. Our local office address is: (1) Unifund CCR Partners – 13111 E. Briarwood Ave. #340, Englewood, CO 80112. Our local phone number is (303)768-9099; and (2) Unifund CCR, LLC – 80 Garden Center, Suite 3, Englewood, CO 80112. Our local phone number is (303)920-4763. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR

For Maryland Residents Only:

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding the below listed entities at 500 N Calvert St #402, Baltimore, MD 21202, toll–free 888-784-0136. Licensee information may be found in the Nationwide Multistate Licensing System (NMLS): https://www.nmlsconsumeraccess.org/.

For Massachusetts Residents Only:

NOTICE OF IMPORTANT RIGHTS
You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment.. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector. Mass. Regs. Code tit. 940 § 7.04(1)(i).

For Minnesota Residents Only:

Unifund CCR Partners and Unifund CCR, LLC only: This collection agency is licensed by the Minnesota Department of Commerce.

For New York Residents Only:

Unifund CCR Partners – New York City Department of Consumer Affairs license number: 1251678. Unifund CCR, LLC – New York City Department of Consumer Affairs license number: 1419944.

For New York City, New York Residents Only:

To better serve you, please advise us if you have any language preference other than English. At this time, we have the following language access services available to you upon request: (1) Spanish speaking interpreters, and (2) translation of our written communications into Spanish. In addition, a translation and description of commonly-used debt collection terms is available in multiple languages on New York City’s Department of Consumer Affairs website at https://www1.nyc.gov/site/dca/consumers/Glossary-of-Common-Debt-Collection-Terms.page.

For North Carolina Residents Only:

Unifund CCR Partners – NC License #119500731 – 10625 Techwoods Circle, Cincinnati, OH 45242 Unifund CCR, LLC – NC License #119505252 – 10625 Techwoods Circle, Cincinnati, OH 45242

For South Carolina Residents Only:

South Carolina Supervised Lenders License Numbers: SL-917948 and SLW1-917948. You can review and download the South Carolina Rights and Responsibilities document.

For Tennessee Residents Only:

Unifund CCR Partners is licensed by the Tennessee Collection Services Board of the Department of Commerce and Insurance. License Number: 975. Unifund CCR, LLC is licensed by the Tennessee Collection Services Board of the Department of Commerce and Insurance. License Number: 1323.

1. What Information Do We Collect?
2. How We Use Your Information
3. How We Collect Your Information
4. How We Share Your Information
5. How We Use Cookies
6. Sharing Your Information With Consumer Reporting Agencies
7. How Long We Keep Your Information
8. How We Protect Your Information
9. Your Legal Rights
10. Links To Other Websites
11. Privacy Policy Changes
12. State Disclosures