Privacy Policy
Welcome to Unowe
Protecting your privacy and safeguarding your personal and financial information is one of our priorities and we are committed to protecting your online information with the highest standards available. Please read our privacy policy carefully to understand how we will use your information. This policy may change from time to time, so please check the website each time you use it for the most current information. The effective date of this policy is May 24, 2019.
Your Consent
By using our site, you consent to our privacy policy and acknowledge that you are 18 years of age or older
Employee Conduct
Unowe expresses its absolute commitment to integrity, and our corporate values and ethical standards we expect from all of our employees. This includes specific guidelines concerning the safeguarding of confidential information, which includes customers’ information. Employee access to confidential information is limited as it relates to our employees’ roles and responsibilities within the organization.
Collecting, Using and Sharing Information
Unless otherwise described in this policy, the types and categories of information we may collect from or about you as a consumer, and our use and sharing of any such information, are described are described in the following link to Unowe Consumer Privacy Policy
What Information Unowe Collects About You
Unowe collects personally identifiable information (PII) and non-personally identifiable information (NPI). We collect PII and NPI about our customers and website visitors in primarily these ways: directly from our customer payment portal and from or about applicants who are buying products or services from a store where we do business.
PII is defined as information that directly identifies an individual, such as name, address, email address, Social Security number, date of birth, driver’s license number, government issued identification number, telephone number, credit card number, bank account information, and user name and password when you use our customer website portal.
NPI is defined as information about an individual that does not identify you individually, such as your browser information, operating system, and other technical information. We also collect other information that may not identify you individually, such as occupation and other employment information, source of income, personal references, and residence related information such as lease or ownership information.
We use your PII and NPI primarily to review your application and provide you the ability to finance your product or service, to contact you regarding your application, process transactions, marketing, customer support, website maintenance, or any other legitimate business purpose permitted under the law.
Use of Cookies and Tracking User Traffic
Unowe uses session cookies to track users logging into our sites, but we do not use them to track user traffic patterns while visiting any of our site. If you reject cookies, you will not be able to login to our site. Our website does not respond to web browser ‘do not track’ signals.
How We Protect Your Information
Unowe uses industry- standard Secure Sockets Layer (SSL) encryption on all web pages where sensitive personal information, including Social Security numbers and banking information are collected. To log into the customer payment portal or the application portal of our websites, you must use an SSL-enabled browser. This type of browser helps protect the confidentiality of your personal information while it is transmitted over the Internet, although no internet site can claim to be 100% secure.
Legally Compelled Disclosure of Information
Unowe may disclose information when legally compelled to do so. Privileged information about a customer’s account is shared only when permitted by our Consumer Privacy Policy, or required by a subpoena, regulatory investigation, court order or with a customer’s express, verbal or written permission.
Protection of Minors
Unowe does not intend to advertise our products or services to persons under 18 years of age, or to collect personal information from children under 13 years of age.
ID Theft Policy
Unowe utilizes state of the art authentication technology to verify identities. However, if someone has fraudulently used your identification to establish credit, report the incident as quickly as possible to us at the contact information provided below, and, if necessary, to each of the credit reporting agencies listed below and ask that a fraud report be placed on your file.
Experian: (888) 397-3742
Equifax: (800) 525-6285
Trans Union: (800) 680-7289
Links to other websites
Because Our website may contain links to other websites of interest. 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. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst 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.
California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent or as otherwise permitted by California law.
As part of the California Online Privacy Protection Act, all users of our site may make certain changes to their information at any time by logging into their online customer portal and going to the ‘Update Information’ section.
Contact for Privacy Related Issues
If you know or suspect that your privacy has been breached or you have any privacy or security-related questions, please contact us: Support@unowe.com
Additonal Contact Information
Customers needing account information, call (866) 438-8372 or
visit Unowe.com
call (866) 791-0915 or email Support@unowe.com