Website Privacy Notice

About Us

Unit helps tech companies build financial services into their products: deposits, cards, payments, lending, and more. We do this by building a rich API layer on top of partner banks and assuming a range of responsibilities as a program manager.

About This Notice

This Privacy Notice (the “Notice”) explains the ways that Unit Finance, Inc. (“Unit”, “we”, “our”, and “us”) collects, uses, and shares information about you in connection with:

• Your access to or use of Unit’s website, products, or services, which includes our Onboarding Process service described below (collectively, the “Services”); and
• Any other information we collect when you interact with us, except as outlined in the paragraph below.

Unit’s “Onboarding Process” is a technology service provided to its Clients and banking partners designed to assist them in collecting information from you to allow them to qualify you for, or permit you to gain access to, their products and services.

Please note that this Notice does not apply to the information we collect about you in relation to the provision of a financial product or service by one of Unit’s banking partners or your relationship with one of Unit’s Clients. If you have received a financial product or service through one of our partner banks or are a customer of one of our Clients, please refer to our End User Privacy Policy.

We hope you will take some time to read this Notice carefully.

Data Collection and Use

What We Collect

Direct collection. Unit collects certain information from you directly, including the information you share when you:

• Complete a “contact us” form to set up a demo or create a developer account for the Unit sandbox;
• Request customer support through our “Help” link;
• Complete a due diligence application;
• Access or use the Onboarding Process through one of our Clients;
• Login to our developer portal; or
• Contact us directly.

The types of information we collect may include personal identifiers (e.g., full name, email address, mailing address, phone number, etc.), professional information (e.g., company name, EIN, title), and any other information you choose to provide.

Information we collect when you use our Services. When you use our Services, we collect certain information about you, including your IP address, the domain name of your internet service provider, the Service features you use and the time of your use, your device information (e.g., device model and operating system version), and aggregated information that cannot be used to specifically identify you when you use the Service.

Information we collect from other sources. We may also collect information about you from other sources. For example, we may collect information from other members of your company and from vendors that help us identify new customers, including identifiers, such as your name, email address, and social media profile URL. If you access or use the Onboarding Process through one of our Clients, we may collect personal information or professional information that you have already provided to that Client or their respective banking partner; Unit is acting as a service provider to these Clients and banking partners when it collects this information about you from them.

How We Use the Data We Collect

We may use the information we collect in the course of your use of the Services for the following business and commercial purposes:

• To operate, improve, and develop our Services, including to operate, improve, and develop the Onboarding Process as a service provider to Unit’s Clients and banking partners;
• To help personalize the Services experience for you;
• To verify your identity and the identities of other members of your company;
• To send you technical notices, updates, security alerts, and administrative messages;
• To respond to your comments, questions, inquiries, and customer service requests;
• To communicate with you about products, services, offers, and events offered or sponsored by Unit, and to provide news and other information we think may be of interest to you;
• To monitor and analyze trends, usage, and activities in connection with our Services;
• To detect and prevent fraud, malicious activity, and other illegal activities;
• To protect the rights, privacy, safety, or property of Unit and others; and
• For any other purpose described to you when the information was collected.

Data-Sharing

We may share information about you with the following parties for the following reasons, or as otherwise described in this Notice or in a disclosure made at the point of the data collection:

Bank partners, card processors, Clients, contractors, or vendors

• To qualify you to receive financial products and services from a banking partner or Client based on the information you provide in the Onboarding Process;
• To comply with valid requests from third-parties with which you have an existing relationship related to the Services.
• If we believe your actions are inconsistent with this Notice or other agreements or policies, or to protect the rights, privacy, safety, or property of Unit or our partners, Clients, or third-parties related to the Services.

Law enforcement authorities

• If we believe in good faith that disclosure is appropriate to comply with applicable law, regulation, or legal process (such as a court order or subpoena), including in connection with requests from law enforcement or other governmental authorities.
• If we believe your actions are inconsistent with this Notice or other agreements or policies, or to protect the rights, privacy, safety, or property of Unit or our partners, Clients, or third-parties related to the Services.

Other third parties

• If there is a change in ownership or control of all or part of our business (such as a merger, acquisition, reorganization, or bankruptcy).

In addition, we may share information about you with other parties with your consent or at your direction.

We also may collect, use, and share aggregated, de-identified, or anonymized information for any purpose permitted under applicable law.

Advertising and Analytics Services Provided by Others

Services. We may allow third parties to provide analytics services and serve advertisements on our behalf across the internet, including Google Analytics. These entities use cookies, web beacons, and other 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.

Purposes. This information is used by Unit and other third-parties for purposes including: analyzing and tracking data, determining the popularity of certain content, delivering advertising and content targeted to your interests, 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 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 that Unit collects personal data, it is collected and stored in the United States. We do not transfer personal data outside the United States.

Your Choices

Updating your information. You may update information you provide to us as part of your online developer account by logging into your account. In addition, or for other data rectification requests, you may contact us at the address provided in the Contact Us section.

Your data rights. Depending on your jurisdiction, you have certain rights under applicable law regarding the personal data we process, which may include the right to request access or deletion. If you believe this applies to you, you may contact us using the information provided in the Contact Us section.

Changes to the Notice

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

Contact Us

Please contact us at privacy@unit.co with any questions about this Privacy Notice or Unit’s privacy compliance.

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