Privacy Policy

This Privacy Policy ("Policy") describes how UnitedBestProviders.com ("Company," "we," "us," or "our") collects, uses, shares, and protects personal information obtained through our website located at unitedbestproviders.com (the "Website") and any related services, tools, or features we provide (collectively, the "Services"). By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by this Policy. If you do not agree with this Policy, please do not use our Services.

1. Lending Marketplace Disclaimer

Our role is limited to transmitting the information you provide to one or more lending partners in our network who may be able to assist you. Once your information is submitted to a lending partner, that partner's own privacy policy and terms of service will govern how they collect, use, and protect your personal data. We encourage you to review the privacy practices of any lending partner before proceeding with a loan application.

The lending partners in our network may offer personal loans with annual percentage rates (APR) ranging from 3.9% to 49.9%. Actual rates, terms, and loan amounts vary based on creditworthiness, state of residence, and the lending partner's underwriting criteria. Not all applicants will qualify for the lowest rates or any loan offer. Submitting a request through our Website does not guarantee that you will be matched with a lending partner or receive a loan offer.

We do not endorse, recommend, or guarantee any specific lending partner, loan product, or loan terms. Any information provided on our Website is for general informational purposes only and should not be construed as financial advice.

2. Privacy Policy Changes

We reserve the right to modify, amend, or update this Privacy Policy at any time and for any reason. When we make material changes to this Policy, we will update the "Last Revised" date at the top of this page and, where appropriate, provide additional notice such as a prominent notification on our Website or an email to registered users.

Your continued use of our Services following the posting of any changes to this Policy constitutes your acceptance of those changes. We encourage you to periodically review this Policy to stay informed about how we are protecting your information. If you do not agree to any modifications, you should discontinue your use of our Services.

3. Information We Collect

3.1 Personal Information

When you use our Services, including submitting a loan inquiry form, we may collect the following categories of personal information:

• Identifiers: Full name, email address, phone number, mailing address, date of birth, and Social Security Number (or the last four digits thereof).
• Financial Information: Employment status, employer name, income level, bank account information, existing debt obligations, credit history, and loan amount requested.
• Demographic Information: Age, gender, state of residence, and housing status (rent or own).
• Government-Issued Identifiers: Driver's license number, state ID number, or military identification, when required for verification purposes.
• Communication Data: The content of any messages, emails, or communications you send to us or that we send to you.

3.2 Usage Data

We automatically collect certain information when you visit, navigate, or interact with our Website, including:

• Device Information: Browser type and version, operating system, device type (desktop, mobile, tablet), screen resolution, and device identifiers.
• Network Information: Internet Protocol (IP) address, Internet Service Provider (ISP), and geographic location derived from your IP address.
• Browsing Activity: Pages viewed, links clicked, time spent on each page, referring URL, exit pages, and the date and time of your visit.
• Interaction Data: Search queries entered on the Website, form fields interacted with, buttons clicked, and scrolling behavior.

3.3 Call Recording

If you call us or we call you, we may record and monitor telephone conversations for quality assurance, training, compliance, and record-keeping purposes. By engaging in a telephone conversation with us, you consent to such recording. If you do not wish to be recorded, you may request that the recording be stopped or choose to communicate with us via email instead at service@unitedbestproviders.com.

3.4 Session Recording

We may use session recording and replay tools (such as Hotjar, FullStory, or similar technologies) to capture your interactions with our Website. These tools may record mouse movements, clicks, scrolling behavior, keystrokes (excluding sensitive fields such as passwords and Social Security Numbers), and page navigation. Session recordings help us understand how users interact with our Website so we can improve usability, troubleshoot technical issues, and enhance the overall user experience.

4. How We Collect Information

4.1 Information You Provide Voluntarily

We collect personal information that you voluntarily provide when you:

• Complete a loan inquiry or comparison form on our Website.
• Create an account or register for our Services.
• Subscribe to our newsletter, email lists, or other communications.
• Contact us via email, phone, live chat, or through our contact form.
• Participate in surveys, promotions, contests, or sweepstakes.
• Submit a review, testimonial, or feedback.

4.2 Information from Third Parties

We may receive personal information about you from third-party sources, including:

• Lending Partners: Our lending network partners may provide us with information about the status of your loan inquiry or application.
• Data Brokers and Aggregators: We may obtain information from licensed data brokers, consumer reporting agencies, or marketing data providers to supplement the information we collect directly from you.
• Advertising Partners: Advertising networks and platforms may share information about your interactions with our advertisements displayed on third-party websites or platforms.
• Public Records: We may collect information from publicly available sources, such as government databases or public social media profiles.

4.3 Cookies and Similar Technologies

We use cookies and similar tracking technologies to collect and store information about your use of our Website. A cookie is a small data file placed on your device by your web browser when you visit a website. We use the following types of cookies:

• Strictly Necessary Cookies: These cookies are essential for the Website to function properly. They enable core features such as security, session management, and accessibility. You cannot opt out of these cookies as they are required for the Website to operate.
• Performance and Analytics Cookies: These cookies collect information about how visitors use the Website, including which pages are most frequently visited, how long users spend on each page, and whether users encounter error messages. This data helps us improve Website performance and user experience.
• Functional Cookies: These cookies enable enhanced functionality and personalization, such as remembering your preferences, language settings, and previously entered form information. If you disable these cookies, some features of the Website may not function properly.
• Targeting and Advertising Cookies: These cookies are used to deliver advertisements that are more relevant to you and your interests. They also help measure the effectiveness of advertising campaigns and limit the number of times you see a particular advertisement.

Managing Cookies in Your Browser:

Most web browsers allow you to control cookies through their settings. You can typically find cookie settings under "Privacy," "Security," or "Advanced" settings in your browser. Below are instructions for popular browsers:

• Google Chrome: Settings > Privacy and Security > Cookies and other site data.
• Mozilla Firefox: Settings > Privacy & Security > Cookies and Site Data.
• Safari: Preferences > Privacy > Manage Website Data.
• Microsoft Edge: Settings > Privacy, Search, and Services > Cookies and site permissions.

Please note that disabling or deleting cookies may affect the functionality of our Website and your ability to use certain features of our Services.

4.4 Behavioral Advertising

We may partner with third-party advertising networks and exchanges to display targeted advertisements on our Website and on third-party websites based on your browsing activity and interests. These partners may use cookies, web beacons, pixel tags, and similar technologies to collect information about your online activities over time and across different websites and applications to provide you with relevant advertisements.

You may opt out of interest-based advertising by visiting:

• The Digital Advertising Alliance (DAA) opt-out page: optout.aboutads.info
• The Network Advertising Initiative (NAI) opt-out page: optout.networkadvertising.org
• For mobile devices, you can adjust your advertising preferences in your device settings.

4.5 Tracking Pixels

We may use tracking pixels (also known as web beacons, clear GIFs, or pixel tags) in our Website pages, emails, and advertisements. Tracking pixels are tiny, invisible images embedded in web content that allow us to track whether a page has been viewed, an email has been opened, or an advertisement has been clicked. This information helps us measure the effectiveness of our content and marketing campaigns, analyze traffic patterns, and improve our Services.

4.6 Google Analytics

We use Google Analytics, a web analytics service provided by Google LLC, to collect and analyze information about how visitors use our Website. Google Analytics uses cookies to gather data such as the number of visitors, the pages they visit, and the time they spend on each page. This information is aggregated and anonymized where possible. Google may also transfer this information to third parties where required by law or where such third parties process the information on Google's behalf.

For more information about how Google collects and processes data, please visit Google's Privacy Policy. You may opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on.

4.7 Social Media

Our Website may include social media features, such as sharing buttons or links to our profiles on platforms like Facebook, Twitter (X), Instagram, and LinkedIn. These features may collect your IP address, the page you are visiting, and may set a cookie to enable the feature to function properly. Social media features are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policy of the company providing them. We are not responsible for the privacy practices of any third-party social media platform.

5. How We Use and Share Information

5.1 General Purposes

We may use the personal information we collect for the following purposes:

• To operate, maintain, and improve our Website and Services.
• To match you with lending partners in our network based on the information you provide.
• To transmit your loan inquiry and personal information to one or more lending partners who may contact you with loan offers.
• To communicate with you about your loan inquiry, respond to your questions, and provide customer support.
• To send you marketing and promotional communications (where permitted by law and with your consent where required).
• To personalize your experience and deliver content and advertisements relevant to your interests.
• To conduct research and analysis to better understand our users and improve our Services.
• To detect, investigate, and prevent fraud, unauthorized access, and other illegal activities.
• To comply with applicable laws, regulations, legal processes, or enforceable governmental requests.
• To enforce our Terms of Use and protect our rights, privacy, safety, or property, and that of our users and the public.

5.2 Testimonials

We may display personal testimonials and reviews from satisfied users on our Website. If you submit a testimonial, we may post it along with your first name, last initial, and general geographic location (e.g., city and state). By submitting a testimonial, you consent to its publication on our Website and in other marketing materials. If you wish to update or remove your testimonial, please contact us at service@unitedbestproviders.com.

5.3 Service Providers

We may share your personal information with trusted third-party service providers who assist us in operating our Website and conducting our business, including but not limited to:

• Hosting and Infrastructure Providers: Companies that provide server hosting, content delivery, and cloud computing services.
• Analytics Providers: Companies that help us analyze Website traffic, user behavior, and marketing campaign performance.
• Email and Communication Providers: Companies that facilitate email delivery, SMS messaging, and customer support communications.
• Payment Processors: Companies that process payments on our behalf (if applicable).
• Security and Fraud Prevention Providers: Companies that help us detect and prevent fraudulent activity, unauthorized access, and security threats.

These service providers are contractually obligated to use your personal information only for the purposes of providing services to us and are required to maintain the confidentiality and security of your data.

5.4 Third-Party Sharing

When you submit a loan inquiry through our Website, you expressly authorize us to share your personal information, including sensitive financial data, with our lending partners and other third parties in our network who may assist you with your loan request. These third parties may include:

• Lenders and lending institutions that may extend loan offers to you.
• Loan brokers and financial intermediaries.
• Credit bureaus and consumer reporting agencies for the purpose of evaluating your creditworthiness.
• Marketing partners who may contact you with offers for financial products and services that may be of interest to you.

5.5 Email Marketing

With your consent or as otherwise permitted by law, we may use your email address to send you marketing communications, including newsletters, special offers, promotional materials, and updates about our Services. Each marketing email we send will include an "unsubscribe" link that allows you to opt out of future marketing communications. Please note that even if you opt out of marketing emails, we may still send you transactional or administrative communications related to your account or loan inquiry, such as confirmation emails, status updates, and important notices about our Services.

We may also share your email address with our marketing partners so they may send you offers for products and services that may interest you. You can opt out of this sharing as described in the "Opt Out" section of this Policy.

6. Security

We take the security of your personal information seriously and implement reasonable administrative, technical, and physical safeguards designed to protect it from unauthorized access, disclosure, alteration, and destruction. Our security measures include, but are not limited to:

• Encryption of sensitive data during transmission using industry-standard Secure Socket Layer (SSL) / Transport Layer Security (TLS) protocols.
• Encryption of sensitive data at rest using AES-256 or comparable encryption standards.
• Firewalls and intrusion detection/prevention systems to protect our network infrastructure.
• Access controls that limit access to personal information to authorized personnel who need it to perform their job functions.
• Regular security assessments, vulnerability scans, and penetration testing.
• Employee training on data security and privacy best practices.

7. Other Websites

Our Website may contain links to third-party websites, applications, or services that are not owned or controlled by UnitedBestProviders.com. These links are provided for your convenience and informational purposes only. We do not endorse, monitor, or have any control over the content, privacy policies, or practices of any third-party websites.

When you click on a link to a third-party website, you leave our Website and are subject to the privacy policy and terms of service of that third-party site. We strongly encourage you to review the privacy policy of every website you visit. We are not responsible for the privacy practices, security measures, or content of any third-party websites, and we shall not be liable for any damages or losses arising from your use of such websites.

8. Compliance with Laws

We may disclose your personal information when we believe in good faith that such disclosure is necessary to:

• Comply with applicable federal, state, or local laws, regulations, or ordinances.
• Respond to lawful requests from public authorities, including subpoenas, court orders, or requests from law enforcement agencies, regulatory bodies, or government officials.
• Cooperate with law enforcement investigations or other legal proceedings.
• Protect and defend our legal rights, property, or safety, or the rights, property, or safety of our users, employees, or the public.
• Enforce our Terms of Use and other agreements.
• Investigate potential violations of our policies or applicable law.

We will attempt to notify you of legal demands for your personal information when appropriate, unless prohibited by law or court order, or when the request is an emergency.

9. Other Transfers

In the event of a merger, acquisition, reorganization, bankruptcy, receivership, dissolution, sale of all or a portion of our assets, or other similar corporate transaction, your personal information may be transferred, assigned, or disclosed to a successor entity or third-party acquirer as part of the transaction. In such an event, we will use reasonable efforts to ensure that the successor entity or acquirer agrees to honor the terms of this Privacy Policy or provides you with notice and an opportunity to opt out before your personal information is used in a materially different manner.

We may also share your personal information with our parent companies, subsidiaries, affiliates, and joint venture partners for purposes consistent with this Privacy Policy.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to provide our Services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. The specific retention period depends on the nature of the information and the purpose for which it was collected:

• Loan Inquiry Data: We retain personal information submitted through loan inquiry forms for a minimum of three (3) years from the date of submission, or longer if required by applicable law or regulation.
• Account Data: If you create an account, we retain your account information for as long as your account is active and for a reasonable period thereafter.
• Marketing Data: We retain your email address and marketing preferences until you opt out of marketing communications or request deletion.
• Usage and Analytics Data: We retain aggregated and anonymized usage data for analytical purposes indefinitely. Identifiable usage data is retained for up to twenty-four (24) months.
• Legal and Compliance Records: We retain records necessary to demonstrate compliance with applicable laws for the period required by such laws.

When your personal information is no longer needed for the purposes described above, we will securely delete or anonymize it in accordance with our data retention and destruction policies.

11. Children's Privacy

Our Services are not directed to individuals under the age of eighteen (18), and we do not knowingly collect, solicit, or maintain personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will take prompt steps to delete such information from our records.

If you are a parent or guardian and believe that your child under 18 has provided us with personal information without your consent, please contact us immediately at service@unitedbestproviders.com, and we will take steps to remove the information and terminate the child's account or inquiry.

12. Opt Out

You have the right to opt out of certain uses and disclosures of your personal information. Below are the options available to you:

• Marketing Emails: You may opt out of receiving marketing emails by clicking the "unsubscribe" link included in each marketing email, or by contacting us at service@unitedbestproviders.com. Please allow up to ten (10) business days for your opt-out request to be processed.
• SMS/Text Messages: If you have opted in to receive text messages, you may opt out at any time by replying "STOP" to any message you receive from us.
• Telephone Calls: If you no longer wish to receive telephone calls from us or our partners, you may request to be placed on our internal do-not-call list by contacting us at service@unitedbestproviders.com.
• Third-Party Sharing for Marketing: You may opt out of having your personal information shared with third parties for their marketing purposes by contacting us at service@unitedbestproviders.com.
• Behavioral Advertising: You may opt out of interest-based advertising as described in Section 4.4 above.
• Cookies: You may manage your cookie preferences through your browser settings as described in Section 4.3 above.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, your personal information, or our data practices, please contact us at:

UnitedBestProviders.com
Email: service@unitedbestproviders.com
Website: unitedbestproviders.com/contact

We will respond to your inquiry within a reasonable timeframe. For requests related to your rights under the California Consumer Privacy Act (CCPA), General Data Protection Regulation (GDPR), or other applicable privacy laws, please see the relevant sections below for specific instructions on how to submit your request.

14. European Visitors (GDPR)

If you are located in the European Economic Area (EEA), the United Kingdom (UK), or Switzerland, you may have additional rights under the General Data Protection Regulation (GDPR), the UK GDPR, or the Swiss Federal Act on Data Protection, as applicable. This section outlines those rights and how we process your personal data.

14.1 Legal Bases for Processing

We process your personal data only when we have a lawful basis to do so. Depending on the circumstances, our legal bases may include:

• Consent: You have given us clear, informed consent to process your personal data for a specific purpose.
• Contract: Processing is necessary for the performance of a contract with you or to take steps at your request before entering into a contract.
• Legitimate Interests: Processing is necessary for our legitimate interests or the legitimate interests of a third party, provided those interests are not overridden by your rights and freedoms.
• Legal Obligation: Processing is necessary to comply with a legal obligation to which we are subject.

14.2 Your Rights Under the GDPR

Subject to certain conditions and exceptions, you have the following rights with respect to your personal data:

• Right of Access: You have the right to request a copy of the personal data we hold about you.
• Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal data.
• Right to Erasure ("Right to Be Forgotten"): You have the right to request that we delete your personal data in certain circumstances, such as when the data is no longer necessary for the purposes for which it was collected.
• Right to Restriction of Processing: You have the right to request that we restrict the processing of your personal data in certain circumstances.
• Right to Data Portability: You have the right to receive your personal data in a structured, commonly used, and machine-readable format, and to transmit that data to another controller without hindrance.
• Right to Object: You have the right to object to the processing of your personal data for direct marketing purposes or when processing is based on legitimate interests.
• Right to Withdraw Consent: Where processing is based on your consent, you have the right to withdraw that consent at any time without affecting the lawfulness of processing carried out before the withdrawal.
• Right to Lodge a Complaint: You have the right to lodge a complaint with a supervisory authority in your country of residence if you believe our processing of your personal data violates applicable data protection law.

To exercise any of these rights, please contact us at service@unitedbestproviders.com. We will respond to your request within thirty (30) days, or as required by applicable law. We may need to verify your identity before processing your request.

14.3 International Data Transfers

Your personal data may be transferred to and processed in the United States, where our servers and principal offices are located. The United States may not provide the same level of data protection as the laws of your country of residence. When we transfer personal data from the EEA, UK, or Switzerland to the United States, we rely on appropriate safeguards, such as Standard Contractual Clauses approved by the European Commission, to ensure that your personal data is protected.

15. California Consumer Rights (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, "CCPA"). This section describes your rights and how to exercise them.

15.1 Right to Know

You have the right to request that we disclose the following information about our collection and use of your personal information over the past twelve (12) months:

• The categories of personal information we collected about you.
• The categories of sources from which we collected your personal information.
• The business or commercial purpose for collecting or selling your personal information.
• The categories of third parties with whom we shared your personal information.
• The specific pieces of personal information we collected about you.
• If we sold or disclosed your personal information for a business purpose, two separate lists identifying the categories of personal information sold and the categories disclosed.

15.2 Right to Delete

You have the right to request that we delete the personal information we have collected from you, subject to certain exceptions. Once we receive and verify your request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. Exceptions may include situations where retention is necessary to:

• Complete the transaction for which the information was collected or provide a good or service you requested.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible.
• Debug to identify and repair errors that impair existing functionality.
• Comply with the California Electronic Communications Privacy Act.
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest.
• Comply with a legal obligation.
• Make other internal and lawful uses of the information that are compatible with the context in which you provided it.

15.3 Right to Opt Out of Sale or Sharing

You have the right to opt out of the "sale" or "sharing" of your personal information as those terms are defined under the CCPA. When we transmit your personal information to lending partners and marketing partners, this may constitute a "sale" or "sharing" under the CCPA. You may exercise your right to opt out by:

• Visiting our CCPA Opt-Out page.
• Contacting us at service@unitedbestproviders.com with the subject line "CCPA Opt-Out Request."

15.4 Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by law, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through the use of discounts or other benefits, or imposing penalties.
• Provide you with a different level or quality of goods or services.
• Suggest that you will receive a different price, rate, level, or quality of goods or services.

15.5 Do Not Track Signals

Some web browsers transmit "Do Not Track" (DNT) signals to websites. Because there is no uniform standard for interpreting DNT signals, our Website does not currently respond to DNT signals. We will continue to monitor developments around DNT browser technology and the implementation of a standard. In the meantime, you may opt out of certain tracking technologies as described in the "Opt Out" section of this Policy.

15.6 Shine the Light (California Civil Code Section 1798.83)

Under California Civil Code Section 1798.83, also known as the "Shine the Light" law, California residents who have provided personal information to a business with which they have established a business relationship may request information about whether the business has disclosed personal information to any third parties for the third parties' direct marketing purposes. To make such a request, please send an email to service@unitedbestproviders.com with the subject line "Shine the Light Request." Please include your full name and mailing address so we can respond to your request. We will respond within thirty (30) days of receiving your request.

15.7 Minors Under 16

We do not knowingly sell or share the personal information of consumers under 16 years of age. Our Services are intended for individuals who are at least 18 years of age. If we become aware that we have collected personal information from a minor under the age of 16, we will take steps to delete such information promptly. If you believe that a minor under the age of 16 has submitted personal information to us, please contact us at service@unitedbestproviders.com.

15.8 How to Submit a CCPA Request

To exercise your rights under the CCPA, you or your authorized agent may submit a verifiable consumer request by:

• Emailing us at service@unitedbestproviders.com.
• Visiting our Contact page and submitting a written request.

We will verify your identity before processing your request by asking you to provide information that matches the personal information we have on file. You may only make a verifiable consumer request for access or data portability twice within a twelve (12) month period. If you designate an authorized agent to submit a request on your behalf, we may require the agent to provide written proof of authorization and may still require you to verify your identity directly with us.

16. Nevada Residents

Under Nevada Revised Statutes Chapter 603A, Nevada residents have the right to submit a verified request directing us not to sell their personal information. A "sale" under Nevada law means the exchange of certain personally identifiable information for monetary consideration to a person for that person to license or sell the information to additional persons.

If you are a Nevada resident and wish to submit a request to opt out of the sale of your personal information as defined under Nevada law, please contact us at service@unitedbestproviders.com with the subject line "Nevada Opt-Out Request." We will respond to your request within sixty (60) days. We may request additional information from you to verify your identity and process your request.