Privacy Policy

Last updated:
April 10th, 2025

About Us

Unit Finance Inc. (“Unit”, “we”, “our”, and “us”) is a financial technology company that provides technology and related services to enable financial institutions (“Banks”) to offer banking services through digital channels. Unit is a service provider to Banks and the Program Partners that Banks work with directly, to enable Banks to offer their banking services online.

About This Notice

Privacy and security are extremely important to us. This Privacy Policy (“Policy”) also incorporates the Privacy Policy for California Residents (below). This Policy describes how we collect, use, and share information to operate our business, to develop and improve our products and services, and as otherwise outlined in this Policy. We suggest you read this Policy carefully. 

When you see the terms “you” or “your” in this Policy, it refers to the individual or entity who visits our Website or uses our Services (both defined below), including Website visitors (“Website Users”), current or prospective customers of Unit (collectively, “Program Partners”) and end customers of Program Partners and Banks (“End Users”). 

This Policy explains the ways we collect, use, and share information in connection with your use of Unit’s Services (defined below), including but not limited to Unit’s website available at www.unit.co (“Website”), and to the extent applicable, both sandbox and production environments for the following: Unit dashboard, Unit-developed user interface (“White-Label UI”), application programming interfaces (“API”), software development kit (“SDKs”, together with the dashboard, White-Label UI, and API, the “Platform”), and the products and services offered, operated or made available by Unit through the Website, Platform, and/or, to the extent applicable, web and mobile applications (collectively, the “Services”). 

This Policy covers information concerning Program Partners (“Program Partner Information”), End Users (“End User Information”), Website Users and other users or potential users of our Services (“User Information”). Please note that this Policy only covers information that Unit collects, uses, and shares. This Policy does not cover any websites, products, or services provided by Banks and/or Program Partners or other third parties, including any third-party websites, applications, or services that may be accessed through Unit’s Website and Services.

By using the Website and Services, you accept and agree to this Policy. If you do not agree to this Policy, do not use or continue to use the Website or Services.

Program Partner, End User, and User Information Collection and Use

How We Collect Information from Program Partners, End Users, and Website Users 

We collect information from or about you in various ways, depending on how you interact with the Website and our Services, including: 

  • Directly from you. Unit collects certain information from you directly, including, but not limited to, information you share when you:
    • Complete our “contact us” form to set up a demo or create a developer account for the Unit sandbox environment;
    • Request customer support through our “Help” or other customer support link, email, or widget;
    • Complete our due diligence or banking services application;
    • Login to our developer portal or Platform; or
    • Contact us directly.
  • Automatically when you visit our Website or use our Services. We may collect location information, device information, online or mobile activity information and other information about you when you visit, use, or interact with our Website or Services using online tracking tools or technologies as explained in more detail in the “How We Use Online Tracking Tools or Technologies” section of this Policy.
  • From other sources. We may also collect information about you from additional sources, including, without limitation, from our Banks, publicly available sources, commercially available third-party sources, other members of your company or vendors that help us identify new Program Partners. We may combine this information with personal and other information we collect about you under this Policy.
Information We Collect from Program Partners and Website Users

When you visit our Website or use the Services, we may collect certain information about or from you, depending on how you interact with the Website and our Services. For example, to the extent applicable:

  • When you request to use our Services. We may collect:
    • Personal Identifiers (for example, your name, email address, phone number, username, or other additional information we may ask you to provide or you choose to provide); 
    • Professional Information (for example, your company legal name, title, employer identification number (“EIN”) or other information relating to your business or beneficial owners, which may include Personal Identifiers described above or other additional information we may ask you to provide or you choose to provide);
    • Financial Information (for example, financial account name and number, balance, transaction history, information to verify financial condition and creditworthiness, or other additional information we may ask you to provide or you choose to provide); and
    • Inferences we derive from the information we collect.
  • When you browse, visit, use, or interact with our Website and/or Services. We may also collect:
    • Location Information (for example, your time zone setting and device location);
    • Device Information (for example, your device type or model, web browser type and version, and operating system type and version);
    • Online or Mobile Activity Information (for example, your Internet Protocol (“IP”) address, the domain name of your Internet service provider, your browser data, search history and information about how and when you use or interact with our Services); and
    • Inferences we derive from the information we collect (for example, we may derive location information from your IP address).
  • ‍From other third parties, including our Program Partners and Banks, in connection with the services we provide to them. We may collect contact information and similar data to assist in providing services to our Banks and Program Partners.
How We Use the Information We Collect from Program Partners and Website Users

We may use the information we collect from Program Partners and Website Users for various purposes, including, for example, for the purposes described below, to the extent applicable: 

  • Provide Services: To operate, provide, and maintain our Website and Services, including related to offering financial products or services and sending you technical notices, updates, security alerts, and administrative messages; 
  • Improve Existing Services: To improve, enhance, modify, add to, and further develop our Website and Services, including related to offering financial products or services and personalizing the Website and Services experience for you; 
  • Develop New Services: To develop new products and services, including communicating with you about products, services, offers, and events we offer or sponsor and providing you with news and other information that we think may be of interest to you; 
  • Verify Identity: To verify your identity and the identities of other members of your company, including by conducting identity verification checks when you request or use our Website and Services;
  • Provide Support: To respond to your comments, questions, inquiries, and customer service requests;
  • Marketing: To advertise and market our products and services to you;
  • For Analytics: To conduct analytics and research, including by examining which parts of our Website you visit or which aspects of our Services you find most useful, evaluating user interface and experiences, testing features or functionality, performing debugging and error repair, and analyzing the use of our Services. We may also use aggregated and de-identified information to provide you with trends and other analytics, including by using or modifying the information described in this Policy in a manner that does not allow us to reasonably identify you; 
  • Prevent Fraud: To detect and prevent fraud, malicious activity, and other illegal activities;
  • Protect Against Security Risks: To protect against security risks, including by monitoring network activity logs, detecting security incidents, and conducting data security investigations;
  • Investigate Misuse or Misconduct: To investigate any misuse of our Website and Services, including to protect the rights, privacy, safety, or property of Unit, its Banks, Program Partners, End Users, Website Users, and others; 
  • For Legal Purposes: To carry out legal purposes, including to comply with applicable laws, to respond to civil, criminal, or regulatory lawsuits, subpoenas, or investigations, to exercise our rights or defend legal claims, and to resolve complaints and disputes; and 
  • With Your Consent: For other notified purposes with your consent at your direction.

End User Information Collection and Use

How We Collect Information from End Users

We collect information from or about End Users in various ways, to the extent applicable, including, without limitation:  

  • Directly from you. We collect information directly from you when you use or access Unit’s Website and Services directly, such as through Unit’s white labeled application form (“Application Form”), White-Label UI, or other white labeled components Program Partners or Banks may incorporate into their online or mobile application to obtain the information needed from End Users to apply for or otherwise obtain financial products and services offered by the Bank;
  • As a service provider. We collect information about you that you provided to one or more of our Program Partners or Banks. Unit is acting as a service provider to these Program Partners and Banks when we collect this information about you from them; or
  • From vendors or other third parties. We may receive information about you from vendors or other third parties in connection with providing the Website and Services.
Information We Collect from End Users

When you use our Website and Services, to the extent applicable, including but not limited to, the White-Label UI, or in our capacity as a service provider to Banks and Program Partners, we may collect certain information about or from you. For example:

  • Personal Identifiers (for example, your name, email address, phone number, username, or other additional information Banks or Program Partners may ask you to provide or you choose to provide); 
  • Professional Information (for example, your title, the name of your employer or other additional information Banks or Program Partners may ask you to provide or you choose to provide);
  • Financial Information (for example, financial account name and number, balance, transaction history, information to verify financial condition and creditworthiness, or other additional information when you request or use a financial product or service offered by Banks or Program Partners);
  • Location Information (for example, your time zone setting and device location);
  • Device Information (for example, your device type or model, web browser type and version, and operating system type and version);
  • Online or Mobile Activity Information (for example, your Internet Protocol (“IP”) address, the domain name of your Internet service provider, your browser data, search history and information about how and when you use or interact with our Services); and
  • Inferences we derive from the information we collect.
How We Use the Information We Collect from End Users

We may use the End User Information we collect for various purposes, to the extent applicable,  including, without limitation, the purposes described below: 

  • Provide Services: To operate, provide, and maintain our Website, and Services related to the offering of financial products and services to you by Banks and Program Partners; 
  • Improve Existing Services: To improve, enhance, modify, add to, and further develop our Website, and Services related to the offering financial products or services to you by Banks and Program Partners; 
  • Protect Against Security Risks: To protect against security risks, including by monitoring network activity logs, detecting security incidents, and conducting data security investigations;
  • For Legal Purposes: To carry out legal purposes, including to comply with applicable laws, to respond to civil, criminal, or regulatory lawsuits, subpoenas, or investigations, to exercise our rights or defend legal claims, and to resolve complaints and disputes; and ‍
  • With Your Consent: For other notified purposes with your consent at your direction.

How We Share Information We Collect

We may share information we collect for various purposes, including, without limitation: 

  • Affiliates, Subsidiaries or Parents. We may share your information with our affiliates, subsidiaries or parents when permitted under relevant laws and regulations.
  • Business Partners. We may share your information with Banks, Program Partners, and other companies that we work with. 
  • Service Providers. We may use other companies to provide services on our behalf and to help us run our business. We may share your information with these service providers or they may collect information on our behalf, for various business purposes. For example, we may use service providers for hosting and securing our information systems, detecting and preventing fraud, or to help us qualify Program Partners or their End Users to receive products or services from Unit and Banks.
  • Third Parties You Authorize or Direct Us to Share Your Information With. We may share your information with your consent or at your direction. 
  • Government Entities and Other Third Parties with Whom We Share Your Information for Legal or Necessary Purposes.  We may share your information with government agencies or similar entities for legal and necessary purposes, such as:
    • To respond to requests from regulators or to respond to a warrant, subpoena, government audit or investigation, law enforcement request, legal order, or other legal process;
    • To facilitate a merger, acquisition, sale, bankruptcy, or other change in ownership or control of some or all of our assets or business; and
    • For other legal purposes, such as to enforce our Terms of Service, exercise or defend legal claims, or if we determine disclosure is necessary or appropriate to protect the rights, safety, or property of Unit, our Banks, End Users, Program Partners, or third-parties related to the Services.
How We Use Online Tracking Tools or Technologies Services. 

We and third-party service providers acting on our behalf may use various online tools and technologies to collect information about you when you visit, interact with, or use our Website and Services. For example, we or these third-party service providers may use these tools to provide analytics services and market to you on our behalf, and may include Google Analytics. We or our third-party service providers may use online tracking tools or technologies to collect information about your use of the Services and other websites and online services, including your IP address, web browser, pages viewed, time spent on pages, links clicked, and conversion information, that include, but are not limited to:  

  • Cookies: Cookies are small amounts of data that a website’s server stores in your web browser. Cookies allow companies to recognize your device and store information about your preferences or areas of interest. For example, we or our third-party service providers may use cookies to store information about pages you visited in our Website and Services, your relationship with us, or other information we have associated with your device. Cookies may also allow us or our third-party service providers to relate your use of our Website and Services to personalize your experience. Most web browsers allow you to manage or adjust your browser settings to decline or delete cookies but doing so may limit access to some of our Website or Services and related features. Cookies are typically assigned to one of the following categories, depending on their function and intended purpose:
    • Essential cookies enable you to navigate our Website and Services. Without these cookies, our Website and Services may not perform as smoothly for you and we may not be able to provide certain features.
    • Analytics cookies collect information about the use of our Website and Services, and enable us to improve the way our Website and Services work. For example, analytics cookies show us the most frequently visited pages and analyze site traffic. 
    • Customer interaction cookies allow us to communicate with you, including for purposes of real-time communication through our chat feature, as applicable.
    • Marketing cookies and other similar technologies allow us (or our service providers on our behalf), to associate activities such as logging in or using our website, with other personal information they or others have about you, including by association with your email, and then send communications and marketing to these emails.
  • Web beacons: Web beacons are images or small strings of code that may be placed in a website, advertisement, email, or other marketing message. They allow companies to set or read cookies or transfer information to their servers when you load a webpage or interact with online content. For example, we or our third-party service providers may use web beacons to determine whether you interacted with a specific feature of our Website or Services, viewed a particular advertisement, or opened a specific email. We or our third-party service providers may also use web beacons to help us recognize users, assess traffic or use patterns, and measure engagement with our Website or Services, advertisements, emails, or other marketing campaigns.
  • Purposes.  Unit and our third-party service providers use the information collected from online tracking tools or technologies for various purposes, including analyzing and tracking data, determining the popularity of certain content, delivering advertising and content targeted to your interests (“interest-based advertising”), and better understanding your online activity.
  • More information. For more information about interest-based ads, including to learn how you may be able to opt out of having your web browsing information used for interest-based or behavioral advertising purposes, please visit www.aboutads.info/choices. For more information about how Google uses your data, please visit www.google.com/policies/privacy/partners/.
  • International Data. To the extent Unit collects personal data or information, it is collected and stored in the United States. We do not transfer personal data or information outside the United States. The Services are controlled and operated by us from the United States and are not intended to subject us to the laws or jurisdictions of any state, country, or territory other than that of the United States.
How You Can Manage Your Privacy Choices
  • Updating Your Account Information. You can access, update, change, or correct your account information at any time by accessing your profile or account through the Platform, Service, or Program Partner, as applicable. You understand that if you restrict processing of the information associated with your account, you may lose access to certain features and functionalities.
  • Cancellation of Your Account. You may cancel your account at any time through the Service or Program Partner, as applicable. See our Terms of Service for more information or the applicable Program Partner’s terms and conditions. After cancellation of your account, this Privacy Policy will continue to apply to any information collected about you by us.
  • Managing Marketing Communications From Us. We will honor any request from you to opt out of receiving marketing communications, including emails and text messages.
    • To opt out of receiving marketing emails from us, click the “unsubscribe” link at the bottom of a Unit marketing email.
    • For marketing text (SMS) messages, reply “STOP” or follow the instructions in the message.
    • Please note that, even if you choose not to receive marketing communications from us, we can continue to send you informational communications related to your use of the Service.
  • Device Settings. The device that you use to interact with the Website and any Services may have setting options that can be enabled or disabled to allow the Website and/or Services to access and use certain information on your device. You can adjust your device settings if you do not want us or the Website or Services to have access to this information or these features.
    • You can also adjust your device or browser settings to block or provide notice of cookies on your browser or mobile device. Please note, however, that disabling or limiting certain cookie settings on your device or browser may prevent you from interacting with some or all of the Website or Services, features of the Website or Services, or may require you to do additional authentication.
  • Opting out of the use of Marketing Cookies. You may opt out by visiting https://app.retention.com/optout.
  • Opting Out of Targeted Online Ads. We may use cookies to gather information about your activities in order to provide you with targeted advertising based on your online activity and interests.
  • Do Not Track. Most browsers are set up to accept cookies automatically. You can deactivate the storing of cookies or adjust your browser to inform you before the cookie is stored on your computer. Some browsers have “Do Not Track” features that allow you to tell websites not to track you. These features are not all uniform. Unit does not currently respond to “Do Not Track” signals. Unit does not currently respond to “Do Not Track” signals.
  • If you exercise these options, please be aware that you may still see advertising, but it will not be personalized. Nor will exercising these options prevent other companies from displaying personalized ads to you. If you delete your cookies, you may also delete your opt-out preferences.
  • Auto-Dialed Calls. To the extent applicable, when contacting you by phone, we may use, and you consent to receive, as permitted by applicable law, informational autodialed calls and text messages, as described in our Terms of Service. If you wish to opt-out of receiving autodialed calls or text messages from Unit, you can contact Unit as outlined in the “How to Contact Section” below. You understand that if you opt out of receiving informational autodialed calls or text messages, such as for multi-factor authentication, you may lose access to certain features and functionalities of the Services.
Privacy rights of California residents

If you are a California resident, you have certain rights under the California Consumer Privacy Act (as amended, “CCPA”) regarding the personal information we collect, use, or share, which may include the right to request access to or deletion of the personal information we collect about you. You may learn more about your rights in our Privacy Policy for California Residents.

Access of Services by Children

Our Services are not directed at children under 13. We do not knowingly collect personal information from children under 13. If a parent or guardian becomes aware that his or her child has provided us with personal information without the parent’s or guardian’s consent, he or she should contact us using the information provided in the “Contact Us” section of this Policy (below).  

Changes to the Policy

We may update or change this Policy periodically. If we make any updates or changes, we will notify you by updating the effective date at the top of this Policy. We may also provide notice of any changes through other means, such as by sending you an email. We encourage you to review the Policy whenever you use or access the Services or otherwise interact with us to stay informed about our privacy practices and the choices available to you.

Reporting Security Incidents

We take privacy and security very seriously and request that our Program Partners, Website Users, and End Users, or other third-parties report suspected security incidents involving any of our Website or Services that Program Partners, Website Users, End Users or other third-parties become aware of, by contacting us at infosec@unit.co.

Contact Us

Please contact us at privacy@unit.co with any questions about this Policy or Unit’s privacy practices.

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