Privacy policy
This Privacy Policy supersedes any previously provided privacy policy and applies to the United Capital Finance website, transaction agreements, and other relevant documents. In case of conflicts between this Privacy Policy and any other policy, the terms of this Privacy Policy will prevail.
Effective as of January 1, 2022, United Capital Finance is dedicated to safeguarding the privacy of personally identifiable information (PII) of our website visitors. This Privacy Policy outlines our practices for collecting and using information on this website, along with your choices regarding its utilization.
ACKNOWLEDGEMENT AND AGREEMENT
The use of United Capital Finance website and its infomediary services are intended for individuals who are 18 years of age or older. By accessing and using the website or participating in our services, you agree to accept the terms stated in this Privacy Policy. If you are not 18 years old or do not agree with this Privacy Policy, please refrain from using the United Capital Finance website or engaging in our services. This Privacy Policy may be periodically updated to ensure accuracy, and any significant changes will be reflected in the revised version. We encourage you to carefully read and review this Privacy Policy whenever you utilize United Capital Finance. finance or participate in our infomediary services.
ABOUT US
Through our website, we provide an infomediary service aiming to connect you with independent, third-party lenders and financial service providers who may assist in securing a loan for you. United Capital Finance acts as a facilitator, compiling and organizing contact information to connect consumers with relevant lenders. We may utilize third-party affiliates and various advertising methods to promote our services to interested consumers. It’s important to note that the operator of this website is a marketer who receives compensation for their services, as outlined in our marketing disclosure. However, we do not endorse or recommend any specific lender on this site. By using United Capital Finance, you consent to the use of your personally identifiable information for these purposes. It’s essential to understand that the owner and operator of United Capital Finance is not a lender, loan broker, or decision-maker regarding credit or loan terms. We simply offer a service to connect you with potential lenders. Submitting a loan request through our website does not guarantee connection with a lender or approval for a loan or personal loan. United Capital Finance does not provide any warranties, guarantees, or representations regarding your ability to qualify for or successfully obtain a loan.
WHAT INFORMATION IS COLLECTED?
When you submit a loan request or choose to provide Personally Identifiable Information (PII) on our website, we collect certain information such as your name, email address, phone number, address, and social security number. PII refers to any information that can identify an individual, including but not limited to name, address, phone number, zip code, social security number, date of birth, driver’s license, and email address. We may use your PII to contact you regarding matters related to your use of the website. Rest assured that we store your PII securely for record-keeping purposes for a reasonable period of time.
When you visit our website, we may collect certain non-personally identifiable information (non-PII) about you, such as the browser and operating system you are using, as well as your Internet service provider’s domain name. This non-PII is utilized to enhance the design and functionality of the website and provide a personalized user experience. Additionally, we may analyse this information in an aggregated form to understand website usage patterns.
HOW DO WE USE YOUR INFORMATION?
United Capital Finance collects the information you provide on our website, and by filling out our loan request form, you give explicit consent to be contacted by United Capital Finance or our trusted network of third-party lenders who may assist you in securing a loan. We may share the contact information you provide with our reliable network of independent lenders. Additionally, United Capital Finance may share the basic information you provide, such as your name, phone number, and email address, with our business partners or affiliated companies who have a contractual agreement with United Capital Finance to provide specific services.
The information you provide to United Capital Finance may be utilized in various ways, including but not limited to:
- Facilitating connections with lenders to fulfill your specific request, such as obtaining a short-term loan.
- Sending periodic communications regarding our products, services, and those offered by our trusted business partners.
- Enhancing customer service and improving the overall website experience for our users.
- Sharing your email address with our preferred mailing partner solely for the purpose of sending promotional email communications from third parties.
SHARING INFORMATION WITH TRUSTED AFFILIATES
At United Capital Finance, we prioritize the protection of your personally identifiable information. We will never sell, trade, or transfer it to outside, unaffiliated parties. However, we may share the information you provide with trusted third-party lenders within our network, as well as our business partners and affiliates, to operate our website, offer infomediary services to consumers, and fulfill your loan requests. Rest assured that United Capital Finance may disclose your personally identifiable information when required by law or to safeguard our rights, complying with any judicial order or legal process served on our website.
THIRD PARTY LINKS
United Capital Finance reserves the right to include links to independent third-party websites or products/services on our website, including the lender’s website you may be connected with. Please note that United Capital Finance is not responsible for the privacy practices of these third-party websites. We strongly recommend that consumers review the privacy policies, terms, and conditions of any website they visit outside of United Capital Finance. This Privacy Policy applies solely to United Capital Finance, and we disclaim any responsibility or liability for the content and activities of linked third-party sites with their own independent privacy practices.
COOKIES
When you visit our website, we may collect information through automated or electronic means, utilizing technologies like cookies, pixel tags, web beacons, browser analysis tools, and web server logs. These technologies allow us to record your interactions, fulfill your service and information requests, and provide a personalized experience. The information gathered from cookies and related technology is stored in web server logs and on your computer as web cookies, which are then transmitted back to us. Cookies enable us to recognize you upon your return, track your interests, and deliver a tailored experience. They also aid in fraud detection. Cookies are small pieces of information sent by a web server to your browser, containing details about your account, preferences, and website usage. Some cookies are temporary, while others may have a longer lifespan. We use persistent cookies for various purposes, such as retrieving previously provided information and storing preferences. You have the option to modify your browser preferences to accept or reject all cookies or request notifications when a cookie is set.
Pixel tags and web beacons are small graphic images placed on website pages or in emails to track specific actions you take. When you access these pages or open email messages, these tags and beacons notify us of your actions. They help us measure responses to our communications and improve our website. The information we collect through cookies and similar technologies includes details about your operating system, browser, domain, language, country, time zone, and the Internet Protocol (IP) address of your device. We use this information in an anonymous and non-identifiable manner to optimize our website, analyze traffic, and understand usage patterns.
SMS POLICY AND TELEPHONE CONSUMER PROTECTION ACT (TCPA)
By providing your information and telephone number on our website, you acknowledge and agree that you are giving express written consent to receive telemarketing calls, auto-dialed calls, pre-recorded calls, and text messages (SMS messages) from us, as well as our designated third-party advertisers and service providers, including United Capital Finance. Please note that your consent is not required to submit a request or make any purchases. We are committed to complying with the Telephone Consumer Protection Act (TCPA) and will not contact any consumer without their prior express consent. It is important to understand that standard data and messaging rates will apply to all SMS correspondence, and these charges will be billed by your mobile service provider. You confirm that you are the owner or authorized user of the wireless device on which the messages will be received. The SMS message services are provided on an AS IS basis, and we cannot guarantee their security or error-free nature. You have the option to opt out of the SMS Service at any time by replying “STOP” or “OPT-OUT” to the received SMS text message or by clicking the Opt-Out link provided in the text message. Even if your mobile telephone number is listed on the Federal or State Do-Not-Call registry, we reserve the right to contact you via SMS messages once you have provided express written consent.
JuniperFinancial SMS ALERTS & REMINDERS SMS TERMS & CONDITIONS
Sign up for SMS alerts to receive a secure link and one-time message with your request and additional offers. Alternatively, you can opt-in for recurring monthly messages with additional offers. To unsubscribe, text “STOP” to the provided shortcode or click the opt-out link in the message. For assistance, text “HELP”. Standard message and data rates may apply. For further support, contact support@unitedcapitalfinance.com Depending on your opt-in preference, you will receive either a one-time text message or recurring monthly messages. This service is available on all supported U.S. carriers. Please note that messages may be delayed or undelivered due to various factors, and neither the client, carriers (including, but not limited to, T-Mobile), nor any service providers are liable for such delays or undelivered messages.
“DO NOT TRACK” SIGNALS—CA RESIDENTS
In accordance with the California Assembly Bill 370, which amended the California Online Privacy Protection Act in 2013, commercial website operators like v2.juniper-financial.com are required to disclose certain information. This includes how websites respond to “Do Not Track” signals and whether third parties collect personally identifiable information (PII) about users during website visits.
At United Capital Finance, we do not engage in the collection of personally identifiable information about consumer’s online activities across third-party websites or over time. We also do not honour “do not track” signals. However, consumers who use “do not track” signals will still be able to access our website. Additionally, v2.juniper-financial.com strictly prohibits third parties from collecting personally identifiable information about an individual consumer’s online activities across different sites over time when using our website.
CALIFORNIA ONLINE PRIVACY PROTECTION ACT COMPLIANCE
We have ensured that our website is fully compliant with the California Online Privacy Protection Act, taking the necessary and significant steps to achieve this. Your personally identifiable information is not shared with external, unaffiliated parties without your explicit and informed consent. As per California Civil Code Section 1798.83 (S.B. 27), residents of California have the right to request specific information about any disclosures of their personally identifiable information to third parties for direct marketing purposes made in the preceding calendar year, if applicable. If you would like to make such a request, please feel free to contact us.
PROVISIONS FOR CALIFORNIA RESIDENTS
The following provisions, specifically for residents of California (“CA Users”), complement and do not restrict the Privacy Policy mentioned above. These provisions are applicable to individuals residing in the State of California and are implemented to adhere to the California Consumer Privacy Act of 2018 (“CCPA”) and other relevant privacy laws in California. Any terms defined within the CCPA hold the same meaning within these provisions. If users with disabilities require an alternative format to access these provisions, they can reach out to us by calling +1 888 661 8062, emailing support@unitedcapitalfinance.com, or sending a physical mail to: 200 West Jackson Suite 1400 Chicago, IL 60606, United States.
We gather personal information that is capable of identifying, relating to, describing, referencing, or reasonably being linked to a specific CA User or device. This information falls under various categories. Over the past twelve (12) months, we have collected the following categories of personal information from CA Users:
Category |
| Collected |
A. Identifiers. | Examples of personal information include a person’s legal name, nickname, mailing address, distinctive personal identification number, online username, IP address, email address, account handle, phone number, or other comparable identifiers. | YES |
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | This category of personal information includes but is not limited to name, signature, Social Security number, physical characteristics or description, postal address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. It is important to note that certain personal information within this category may also fall under other categories of personal information. | YES |
C. Protected classification characteristics under California or federal law. | The following characteristics are protected from discrimination: age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, and genetic information (including familial genetic information). | YES |
F. Internet or other similar network activity. | The types of information that may be collected include browsing history, search history, and details of a user’s interactions with a website, application, or advertisement. | YES |
I. Professional or employment-related information. | Employment Records and Performance Assessments, whether current or past.. | YES |
Under the CCPA, certain types of information are excluded from the definition of personal information. This includes publicly available information from government records, de-identified or aggregated user information, and information covered by specific privacy laws such as HIPAA, CMIA, clinical trial data, FRCA, GLBA, FIPA, and the Driver’s Privacy Protection Act of 1994.
The personal information mentioned in the previous sections is obtained from various sources. Firstly, we receive it directly from our CA Users through online registration forms related to our offered products and/or services on the Site. Additionally, we may collect information indirectly from our CA Users while providing our products and/or services to them. Furthermore, we gather information about the type of browser, IP address, operating system, the domain name of the Internet Service Provider, and Site usage details through the users’ activity on the Site and through third-party partners like Google® and Hotjar®. Interactions with our social media accounts and participation in promotions or sweepstakes on the Site also contribute to the information we receive. We may obtain data from third parties involved in our products and/or services, such as entities assisting with direct and electronic mail, data analysis, and marketing analysis. Third-party data brokers or aggregators and publicly available sources like Internet search engines may also provide us with information.
If you are a California resident, you have the right to request access to the specific information we have about you. To exercise this right, you can send an email with the subject line “CCPA Right to Know” to info@unitedcapitalfinance.com. Once we verify your identity, we will provide you with your information in an electronic format that facilitates sharing with other companies.
Additionally, you have the right to request the deletion of your information. To do so, send an email with the subject line “CCPA Right to Delete” to info@unitedcapitalfinance.com. Please specify the categories of information you would like us to delete, using the categories mentioned above. After verifying your identity, we will delete the requested information and provide confirmation of the deletion.
CHILDREN’S ONLINE PRIVACY PROTECTION ACT COMPLIANCE
United Capital Finance is designed for individuals who are 18 years of age or older. We strictly adhere to the guidelines of the Children’s Online Privacy Protection Act (COPPA) and we do not knowingly collect any information from individuals under the age of 13. Our website, products, and services are intended for use by individuals who are at least 18 years old. If we become aware of any user who is not of legal age, we will promptly take corrective action to remove their information from our user database.
HOW IS THE INFORMATION I PROVIDE TO YOU PROTECTED?
At United Capital Finance, safeguarding consumer information is a top priority, and we have taken extensive measures to ensure its protection against unauthorized access, use, or disclosure. We employ a range of security technologies and procedures, including firewalls and 256-bit Secure Sockets Layer (SSL) protection. In the unlikely event of a security breach, we are committed to promptly notifying any affected consumers and taking immediate and appropriate steps to address the situation. While we maintain diligent protective measures and utilize advanced security technologies, it’s important to acknowledge that the internet is not entirely immune to security breaches. Therefore, we cannot be held liable for any damages resulting from a breach that compromises your personal information.
CONFIDENTIALITY AND SECURITY
At United Capital Finance, we prioritize the security of your non-public personal information. We restrict access to this information to only those employees who require it in order to provide you with our products and services. To ensure the safety of your information, we have implemented physical, electronic, and procedural safeguards that align with federal standards. These measures are in place to prevent unauthorized access or misuse of your personal data. We consider maintaining the accuracy of your information as a shared responsibility, and we kindly request that you notify us of any updates or changes to your records. Please do not hesitate to contact us whenever there is a modification to the information associated with you.