Last updated: April 13th, 2022
Unit Finance Inc. (“Unit”, “we”, “our, and “us”) provides technology and related services, including the Unit platform and Unit APIs, to enable technology companies to access to financial products and services offered by Unit’s bank partners and other financial institutions (“Bank Partners”).
When you see the terms “you” or “your” in this Policy, it refers to you, the individual or entity who visits our websites or uses our Services (as defined below), including website visitors, current or prospective business customers (collectively, “Clients”) and customers of our Clients (“End Users”).
This Policy explains the ways we collect, use, and share information in connection with the use of our websites, products, or services, including, without limitation, the Unit platform, dashboard, APIs, white-label application form, sandbox, and pilot (collectively, the “Services”).
This Policy covers information concerning Clients (“Client Information”), End Users (“End User Information”), website visitors and other users or potential users of our Services (“Website Visitors”). 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 third parties, including any third-party websites, applications, or services that may be accessed through the Services.
By using the Services, you accept and agree to this Policy. If you do not agree to this Policy, do not use or continue to use the Services.
We collect information from or about Clients in various ways including:
Directly from you. Unit collects certain information from you directly, including information you share when you:
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 bank partners, publicly available sources, commercially available third-party sources, other members of your company or vendors that help us identify new Clients. We may combine this information with personal and other information we collect about you under this Policy.
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:
When you request to use our Services. We may collect:
When you browse, visit, use, or interact with our Services. We may also collect:
From other third parties, including our Clients and bank partners, in connection with the services we provide to them. We may collect contact information and similar data to assist in providing services to our partner banks and Clients.
We may use the information we collect from Clients and Website Visitors for various purposes, including, for example, for the purposes described below:
With Your Consent: For other notified purposes with your consent at your direction.
We collect information from or about End Users in various ways including, without limitation:
When you use our Application Form, or in our capacity as a third-party service provider to bank partners and our Clients, we may collect certain information about or from you. For example:
We may use the End User Information we collect for various purposes, including, without limitation, the purposes described below:
We may share information we collect for various purposes, including, without limitation:
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 Services. For example, we or these third-parties may use these tools to provide analytics services and serve advertisements on our behalf across the internet, including 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:
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/.
To the extent that 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.
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.
Privacy rights of California residents. If you are a California resident, you have certain rights under the California Consumer Privacy Act (“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 the “Rights of California Residents” section of this Policy.
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.
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.
We take privacy and security very seriously and request that our Clients, End Users, or other third- parties report suspected security incidents involving any of our Services that Clients, End Users or other third-parties become aware of, by contacting us at firstname.lastname@example.org.
Please contact us at email@example.com with any questions about this Policy or Unit’s privacy practices.
This section of the Policy details how we collect, use, and disclose personal information subject to the CCPA. It describes the types of personal information Unit may collect about California residents subject to the CCPA, the sources of information from which we may collect personal information, and the ways that we use and disclose personal information. We also describe the privacy rights of California residents under the CCPA and how they can exercise those rights. “You” or “Your” as used in this section means, you, the individual who visits our websites, uses our Services, or when you otherwise interact with us.
California residents have the following rights regarding their personal information:
In some instances, we may decline to honor your request. For example, we may decline to honor your request if we cannot verify your identity or confirm the personal information we maintain relates to you, or if we cannot verify you have the authority to make a request on behalf of another individual. We may also decline to honor your request when an exception applies, such as where disclosure of personal information would adversely affect the rights and freedoms of another consumer or where the personal information we maintain about you is not subject to the CCPA.
The CCPA defines “personal information” as information that identifies, relates to, or could reasonably be linked (directly or indirectly) with a particular California resident or household. The CCPA generally does not apply to certain information, including personal information collected, processed, sold or disclosed pursuant to the federal Gramm-Leach-Bliley Act (“GLBA”) and its implementing regulations. The GLBA requires companies that offer consumers financial products or services to explain their information-sharing practices to their customers and to safeguard sensitive data.
Most of the personal information we collect about California residents is collected in the context of enabling our Clients to make available to End Users financial products and services from our bank partners pursuant to the GLBA and is not subject to the CCPA.
The categories of personal information we collect, use and disclose about a California resident depends on our specific relationship or interaction with that individual.
We have collected in the preceding 12 months, the following categories of personal information, as defined in the CCPA, relating to California residents. The examples provided in each category below include both financial and non-financial information and are for illustrative purposes only.
We have collected in the preceding 12 months personal information relating to California residents from the following sources. The examples provided below are for illustrative purposes only.
The purposes for which we use the personal information we collect depend on our relationship or interaction with a specific California resident. We may use personal information relating to California residents for one or more of the following business purposes:
We may also use personal information relating to California residents for one or more of the specific “business purposes” listed in the CCPA:
In the preceding 12 months, we have disclosed each of the categories of personal information discussed above relating to California residents for our business purposes to one or more of the following categories of third-parties. The examples listed below are for illustrative purposes only.
We do not offer an opt-out from the sale of personal information because we do not “sell” personal information about California residents within the meaning of the CCPA. For purposes of this section “sell” means the disclosure of personal information for monetary or other valuable consideration.
If you are a California resident and would like to exercise your rights, please submit your request by calling us toll-free at 1-833-369-1177 or emailing us at firstname.lastname@example.org.
Once we receive your request, we will try to verify your identity through accounts you have with us or by requesting additional information sufficient to confirm your identity, such as photos of your government-issued identification. We will also ask you questions to verify your identity. We may use also use a third-party identity verification service to verify your identity.
If you would like to use an agent or other person you authorize to exercise your CCPA rights or if you are an agent or authorized person seeking to exercise CCPA rights on behalf of another person, please contact us using one of the methods indicated above.