Privacy Policy

Last Updated: 6/1/24

UB Loans
14460 Falls of Neuse Rd. Suite 149 – 397
Raleigh, North Carolina 27614

At UB Loans, we are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy explains how we collect, use, disclose, and protect the personal information you provide to us through our website and services (collectively, the “Services”).

Information We May Collect

Personal Information:

  • Identifiers: Name, postal address, phone number, date of birth, email address, social security number, account name, or other similar identifiers.
  • Financial Information: Bank account details, credit card information, credit scores, and other financial data.
  • Sensitive Personal Information: Information related to your financial health and personal identification details.

Automatically Collected Information:

  • Device Information: IP address, browser type, operating system, device type and version, screen resolution, language preferences.
  • Usage Information: Browsing history, search history, interaction with our website, time spent on pages, referring/exit pages, and clickstream data.
  • Cookies and Similar Technologies: Persistent and session cookies, pixel tags, web beacons.

Information from Third Parties:

  • We may receive information from credit bureaus, our partners, and other third parties, including demographic information, credit reports, and transaction data.

How We Use Your Information

We use the personal information we collect for various purposes, including:

  • Providing and Improving Services: To operate, maintain, and provide our Services, improve user experience, and develop new features.
  • Communication: To contact you for administrative purposes, respond to your inquiries, and send important updates.
  • Marketing: To send you promotional communications and offers that may interest you, with options to opt out.
  • Personalization: To tailor content and advertisements to your interests and preferences.
  • Analytics: To analyze usage trends and measure the effectiveness of our Services and marketing efforts.
  • Security: To protect our users, Services, and business from fraud and unauthorized access.
  • Legal Compliance: To comply with applicable laws and respond to lawful requests from authorities.

Sharing Your Information

We do not sell your personal information to third parties. However, we may share your information in the following circumstances:

  • With Service Providers: To perform business functions, such as payment processing, customer support, and data analysis.
  • With Partners: To provide financial product offers and related services that you have requested or to help find you the best rates. This includes sharing your loan information and contact details with third-party financial service providers and platforms to facilitate your requests and transactions.
  • Legal Obligations: To comply with laws, regulations, legal processes, or governmental requests.
  • Business Transfers: In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.
  • Protection: To protect the rights, property, or safety of UB Loans, our users, or the public.

Your Choices and Rights

Access and Control:

  • You can access, update, or delete your personal information by contacting us at info@ubloans.com.
  • You may opt out of receiving marketing communications by following the unsubscribe instructions in the communications.

Cookies:

  • You can manage cookies through your browser settings. Refer to your browser’s help section for instructions on how to delete or disable cookies.

Do Not Track:

  • Our website does not currently respond to “Do Not Track” signals.

State-Specific Rights:

  • Residents of certain states may have additional rights under applicable state laws. Please contact us for more information about your specific rights.

Security

We implement security measures designed to protect your personal information from unauthorized access and use. These measures include encryption, access controls, and regular security reviews. However, no system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee absolute security of your information.

Children’s Privacy

Our Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn that we have collected such information, we will take steps to delete it.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by posting the updated policy on our website and updating the effective date. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at: https://ubloans.com/contact-us

Email: info@ubloans.com
Mail: UB Loans
14460 Falls of Neuse Rd. Suite 149 – 397
Raleigh, North Carolina 27614