Privacy Policy and State and Local Disclosures

Privacy Policy and State and Local Disclosures

UNIFUND PRIVACY NOTICE

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 (its “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 Notice is intended to contradict your rights under the Fair Debt Collection Practices Act. As required by the FDCPA, Unifund will not disclose any information to third parties without your express permission.

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

Information We Collect

We may have collected the following categories of personal information from consumers within the last 12 months:

Categories of Personal Information Examples of Specific Types of Personal Information Collected Collected
Identifiers A real name, alias, postal address, email address, telephone numbers, account number, Social Security number, date of birth, or other similar identifiers. Yes
Personal Information categories listed in California Customer Records Statute (Cal. Civ. Code §1798.80(e)) A name, signature, Social Security number, address, telephone number, employment, employment history, bank account number, credit card number, debit card number, Some personal information included in this category may overlap with other categories. Yes
Protected classification characteristics under California or Federal law Age (40 years or older), veteran or military status. Yes
Commercial information Records of personal property, products or services purchased. Yes
Professional or employment-related information Current or past job history. Yes
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)) Student financial information. Yes
Inferences drawn from any of the information identified above Profile reflecting a consumer’s preferences, characteristics, predispositions, behavior, attitudes. Yes

How We Use Your Information
Personal information is collected for the purpose of debt recovery in a lawful manner 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 will collect the minimum amount of data necessary to collect a debt.  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 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 unaffiliated third-party company or marketing group without your express permission. Unifund may share your personal information with third parties to the extent it is reasonably necessary to manage or service your account, verify employment, determine location, process payment, fulfill a transaction, provide customer service, or as otherwise authorized by law.   Further, Unifund may disclose personally identifiable information (i) to another entity with which Unifund enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) to a third party 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) to a third party 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) to third parties 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.

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

How Long We Keep Your Information
Unifund will retain until we determine the information is no longer needed, or as otherwise required by law.

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.

California Residents – Your Legal Rights

  • The right to access personal information – You have the right to request access to your personal information that we collected about you, subject to certain exceptions.
  • The right to request deletion of personal information –You have the right to request that we delete your personal information; however, state and federal law may prohibit us from deleting personal information, which Unifund will disclose to you.
  • The right to non-discrimination – We will not discriminate against you if you exercise any of these rights.
  • The right to an authorized agent – You can designate an authorized agent to make any of these requests by providing your express written authorization.

We must be able to verify your identity and the authorization must include the authorized agent’s name, address, telephone number, and email address (for providing the personal information collected or to respond to a request for deletion).

If you wish to exercise any of these rights, please contact Unifund by doing one of the following:

  1. By mailing a request to:
    Unifund CCR Partners,
    PO Box 42121,
    Cincinnati, OH 45242-0121
  2. Contacting us toll free at (888) 384-8134
  3. Interactive webform

If you choose to contact us directly by phone or in writing, you will need to provide us with:

  • Enough information to identify you [e.g., your full name, address, last four digits of your Social Security number, date of birth, and/or account number]; and
  • Describe your request with sufficient detail that allows us to properly understand, evaluate and respond to it.

We are not obligated to make a data access or data portability 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.

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 Notice Changes
Unifund may change this Privacy Notice at any time. Notice of any new or revised Privacy Notice, 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 Notice 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/.

Entity Name License # NMLS #
 DISTRESSED ASSET PORTFOLIO I, LLC 6031 1399506
DISTRESSED ASSET PORTFOLIO II, LLC 6215 1404451
DISTRESSED ASSET PORTFOLIO III, LLC 6202 1404461
DISTRESSED ASSET PORTFOLIO IV, LLC 6275 1400025
FIRST RESOLUTION INVESTMENT CORPORATION 5931 1265763
PILOT RECEIVABLES MANAGEMENT, LLC 6014 1400158
Unifund CCR Partners 4456 1115596
UNIFUND CCR, LLC 6184 4456 917948
UNIFUND PORTFOLIO A, LLC 5799 1400167
Unipac IX, LLC 5802 1400173
Unipac VI, LLC 5801 1400176

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) (West, WESTLAW through June 8, 2012).

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 #4073 – 10625 Techwoods Circle, Cincinnati, OH 45242 Unifund CCR, LLC – NC License #107952 – 10625 Techwoods Circle, Cincinnati, OH 45242

For South Carolina Residents Only:
South Carolina Supervised Lenders License No: S-9150. 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.