|
|||
---|---|---|---|
Privacy Policy Last
Updated: April 1, 2020 I. Who Are We? Mollie
LLC dba Uown Leasing (“Uown”) is a rent-to-own financing company located in
Tampa, Florida. If
you have any questions or comments about this Privacy Policy or our practices,
or wish to make a request regarding your Personal Information, please contact
us as follows: Mollie LLC dba Uown
Leasing II. What is Covered By This Privacy Policy? This
Privacy Policy describes Uown’s policies and practices regarding its collection
and use of your personal data, and sets forth your privacy rights. This Privacy
Policy applies both to our online information gathering and dissemination
practices in connection with this website and its various pages (the “Site”),
and personal information we collect or receive offline, whether directly from
you or from other sources. If
you have arrived at this Privacy Policy by clicking through a link on our Site,
or by searching for or clicking on a link directing you to any page of our
Site, then this Privacy Policy applies to you. When you use the Site, you
consent to the use of your information in the manner specified in this Privacy
Policy. This policy may change periodically, as we undertake new personal data
practices or adopt new privacy policies, so please check back from time to
time. By your continued use of the Site, you consent to the terms of the
revised policy. Use
of our Site is strictly limited to persons who are of legal age in the
jurisdictions in which they reside. You must be at least eighteen (18) years of
age to use our Site. If you are not at least 18 years of age, please do not use
or provide any information through this Site. This
Privacy Policy does not apply to any website owned and/or operated by or on
behalf of any other entity, including any entities that may have invested in
our company or other affiliates or business partners, even if our Site posts a
link to those other websites and you click through from our Site. To the extent
that you visit and/or disclose information through other sites, you are subject
to the privacy policies and practices of those sites. III. What Personal Information Do We Collect, From Where, And Why? The
following is a description of: (i) the categories of Personal Information we
may have collected in the preceding 12 months, whether offline or online; (ii)
the sources from which we may have collected it; and (iii) the business
purposes for which we may have collected it. A. Information we do NOT
knowingly collect. We do
not knowingly solicit, collect, or receive information from or about minors
(under the age of eighteen) or persons residing outside the U.S.A. B. Information that You
provide to us directly. Through our Site or for
Customer Service You
may choose to voluntarily submit or otherwise disclose personal information to
us (e.g., name, email address, address, phone number, or personalized message
through mail, e-mail, telephone, fax or electronically. If you initiate contact
or correspond with us, we may keep a record of your contact information and
correspondence, whether oral or written, and we reserve the right to use your
contact information, and any other information that you provide to us in your
message, to respond thereto or to offer customer service and attempt to resolve
your request or inquiry. If
you wish to change or correct any information voluntarily submitted to us,
please do so by contacting us in the manner described above. When Making a Payment Any
on-line payment that is made through a link from this Site to a third-party
Internet Payment Site is outside of this Privacy Policy and is instead governed
by its own separate privacy policy. We do not collect, receive, or keep any
Personal Information you may provide through such third-party Internet Payment
Sites. If
you make a payment directly to us, we may collect your name, address, bank
account information, credit or debit card and account information, etc. We use
this information to process your payment(s). When Applying for our Services
or Creating an Account with Us You
may submit information to us when you apply for services or products that we
offer and/or create an account with us. This information typically includes
your name, email address, address, phone number, date of birth, social security
number, income information, employment information, credit or debit card and
account information, bank account information, login and passcode, and other
financial information. We use this information to establish your account with
us, determine your creditworthiness, and to provide you with services. C. Information from
Third Parties acting on your behalf. We
may receive and maintain personal information (e.g., name, address, telephone
number, email address, date of birth, social security number, account numbers,
financial or banking information, etc.) contained in communications with
someone other than you, such as your spouse, power of attorney, authorized
representative, or your attorney. D. Information we
receive from our Service Providers. We
receive and maintain personal information from our Service Providers. Service
Providers are persons or entities that we contract with to provide a material
service in connection with our attempt to recover accounts for our clients.
This includes, for example, data processing companies, security companies, data
service providers, and credit bureaus. Information that we typically may
receive includes IP address, web activity, geolocation, residential address,
phone number, employment information, financial information, letter vendors,
bankruptcy activity, active military status, death or probate status, letter
correspondence, email communications, and call recordings with consumers. E. Information we
receive from Credit Reporting Bureaus. We
receive and maintain Personal Information provided by one or more of the Credit
Reporting Bureaus. We use this information to seek the collection and recovery
of accounts receivable and fulfill our business responsibilities, to evaluate
applications, and evaluate creditworthiness. F. Information
automatically collected by Use of this Site. As
with most websites, our Site automatically collects certain information during
a user’s visit to the Site. The information may include internet protocol (IP)
addresses, the location where the device is accessing the internet, browser
type, operating system and other information about the usage of the Site,
including a history of pages viewed. We use this information to improve the
Site’s design, estimate user volume and usage patterns, speed up searches, and
improve the user experience by customizing options and recognizing return
users. We may also use this information to help diagnose problems with our
server and to administer our website, analyze trends, track visitor movements,
and gather broad demographic information that assists us in identifying visitor
preferences. More specifically: (i) IP Address Each time you visit our Site, we may
automatically collect your internet protocol (IP) address and the web page from
which you came. In order to administer and optimize the Site for you and to
diagnose and resolve potential issues with or security threats to our Site or
to the company, we may use an IP address to help identify users and to gather
broad demographic information about them. (ii) Cookies, Pixel Tags, and Web Beacons Cookies (browser or flash) are small files that
a site or its service provider transfers to your device through your web
browser (if you allow) that enables the site’s or service provider’s systems to
recognize your browser and capture and remember certain information. We use
cookies to optimize Site functionality and improve a user’s experience while
navigating through the Site. Most or all browsers permit you to disable or
reject cookies. You can do this by adjusting your preferences in the
browser. You can also click on the “Privacy and Cookies Policy” banner at
the bottom of the Site and adjust Cookie Settings to accept or reject certain
cookies used by our Site. Our Site may incorporate “pixel tags,” “web
beacons,” or similar tracking technologies (collectively, “pixel tags”) that
track the actions of Site users. Pixel tags are used to collect information,
such as the internet service provider, IP address, the type of browser software
and operating system being used, the date and time the Site is accessed, the
website address, if any, from which a user linked directly to the Site and/or
the website address, if any, to which the user travels from the Site and other similar
traffic-related information. We may aggregate information collected from Site
visits by various users to help us improve the Site and the services that we
provide through the Site. (iii) Do Not Track Our Site tracks when visitors to our website enter
through a marketing landing page. The Site also keeps a record of third party
websites accessed when a user is on our Site and clicks on a hyperlink. But we
do not track users to subsequent sites and do not serve targeted advertising to
them. (iv) Analytics Information Web servers for the Site may gather certain
anonymous navigational information about where visitors go on our Site and
information about the technical efficiencies of our Site and services.
Anonymous information does not directly or indirectly identify, and cannot
reasonably be used to identify, a particular individual. Examples of anonymous
information may include certain information about the internet browser, domain
type, service provider and IP address information collected through tracking
technologies and aggregated or de-identified data. We use anonymous analytics
information to operate, maintain, and provide to you the features and
functionality of the Site. We use Google Analytics (“GA”) for aggregated,
anonymized website traffic analysis. In order to track session usage, Google
drops a cookie (_ga) with a randomly-generated ClientID in a user’s browser.
This ID is anonymized and contains no identifiable information like email,
phone number, name, etc. We also send Google IP Addresses. We use GA to track
aggregated website behavior, such as what pages a user looked at, for how long,
etc. This information helps us improve the user experience and determine Site
effectiveness. You have the option to delete your _ga cookies and/or install
the Google Analytics Opt-Out Browser Add-On (https://tools.google.com/dlpage/gaoptout). IV. What Personal Information Do We Share With Others? A. We Do Not Sell
Personal Information to Third Parties for their Own Use. We do not sell to
third-parties for their own use any of your Personal Information. Except as
described in this Privacy Policy, we also do not disclose to third-parties
information about your visits to our Site. Accordingly, there have been no
sales of Personal Information to Third-Parties for their own use or further
disclosure in the past twelve (12) months. We do
not knowingly collect and do not, and will not, sell Personal Information of
minors under 16 years of age without first obtaining affirmative authorization. B. Reporting to Consumer
Credit Agencies. We
provide monthly reports to Consumer Credit Agencies containing personal
information about the status and current balance of consumer accounts. This
information and the consumer reporting agencies are covered by the federal Fair
Credit Reporting Act (FCRA). C. Sharing Information
with our Affiliates and Service Providers. We
may share your non-public personal information and other information that we
have collected with our affiliates and Service Providers. Service
Providers are persons and entities that we contract with to provide us a
material service in connection with our business activities. Our Service
Providers include law firms, collection agencies, accounting firms, accounts
receivable management companies, data service providers, location service
companies, delivery services, technological support companies, payment
processing companies, banks and other financial institutions, courts and
adjusters. In
connection with providing business services to us, one or more of our Service
Providers may have access to your non-public personal information. This
personal information will not be used for any purpose other than as reasonably
necessary to perform a business purpose that we authorize, and it will not be
further used by the Service Provider or disclosed to any Third Party. D. Sharing Information
with our Investors. We
may share your non-public personal information and other information that we
have collected with entities that invest in our company. This information may
include a name, address, phone number, address, e-mail address, date of birth,
social security number, financial or banking information, credit information,
account numbers, account balances, payment information, information contained
on credit, service, or product applications, insurance applications or claims,
etc. An
investor may have access to, receive, or use this information for purposes of
auditing, risk management, and in connection with the shared services the
investor offers to us as a portfolio company, including accounting, legal,
capital markets, data analytics, human resources, information technology and
marketing services. E. Sharing Personal Information
at Your Direction. We
may share your personal information with Third Parties to whom you authorize us
in advance to intentionally disclose to or allow to use your personal
information in connection with the services that we provide. F. Sale of our Company
or Company Assets. In
the event of a sale, assignment, liquidation, or transfer of our assets or of
any portion of our business, we reserve the right to transfer any and all
information that we collect from individuals, or that we otherwise collect in
connection with use of the Site, to unaffiliated third party purchasers. G. Monitoring, Law
Enforcement and Legal Requests. We
reserve the right, at all times, to monitor, review, retain and/or disclose any
information, including non-public personal information, as may be necessary to
satisfy any applicable law, regulation, legal process or governmental request
or to cooperate with or comply with requests from law enforcement and other
authorities. We may also use such personal information if required to
internally investigate fraud or when it is necessary to protect the Site, the
company, our affiliates, or others. H. Our Internal Use and
Research We
reserve the right to use and disclose de-identified information; anonymized
information; aggregated information or publicly available information that has
not been combined with nonpublic personal information for purposes including,
but not limited to, our own internal use, data mining, and research. V. How Do We Protect Personal Information? We
take reasonable security procedures and practices appropriate to protect
personal Information from loss, misuse, unauthorized access, disclosure,
alteration and destruction. We maintain physical, electronic and procedural
safeguards designed to protect against the unauthorized disclosure of personal
information, and personal information is disposed of properly and securely
utilizing industry standards. Our data security policies and practices are
periodically reviewed and modified as necessary. VI. Terms of Use Please also visit
our Terms of Service section establishing the use,
disclaimers, and limitations of liability governing the use of our Site. **
THE INFORMATION BELOW APPLIES TO CALIFORNIA RESIDENTS ** VII. Your Rights Under The California Consumer Privacy Act. A. The CCPA and
“Personal Information.” The
California Consumer Privacy Act (“CCPA”), effective as of January 1, 2020,
grants privacy rights to California consumers in connection with their Personal
Information. Personal
Information (“PI”) is “information that identifies, relates to, describes, is
capable of being associated with, or could reasonably be linked, directly or
indirectly, with a particular consumer or household.” A
consumer has rights regarding his/her PI when dealing with a covered business,
including:
B. Consumer Right to a
Notice of Collection. A
business subject to the CCPA must, at or before the point of collection of PI,
inform a consumer as to the categories to be collected and the purposes for
which it shall be used. A service provider that receives or collects PI on
behalf of, or at the direction of, a covered business may not be required to
provide a notice of collection. C. Consumer Right to
Know. A
covered business must disclose in its privacy policy the PI it has collected,
sold, or disclosed for a business purpose in the past 12 months. Collection:
A business must disclose the following in response to a verifiable request:
Sale:
A business that sells PI or discloses it for a business purpose must disclose,
in response to a verifiable request, the following:
D. Consumer Right to
Delete Directed to a Covered Business. A
California consumer has the right to request that a covered business delete
his/her PI, subject to certain exceptions. Once a request is reasonably
verified by the covered business, the PI requested to be deleted must be
removed from the records held by that business. The business must also direct
its Service Providers with whom the information was shared to also delete the
information, unless it is subject to an exception. A
request to delete may be denied if retaining the information is necessary for
the business or its Service Providers to: 1.
Complete the transaction
for which it collected the PI, provide a good or service requested by the
consumer, take action reasonably anticipated within the context of the ongoing
business relationship with the consumer, or otherwise perform a contract with
the consumer. 2.
Detect security
incidents, protect against malicious, deceptive, fraudulent, or illegal
activity, or prosecute those responsible for such activities. 3.
Debug products to
identify and repair errors that impair existing intended functionality. 4.
Exercise free speech,
ensure the right of another consumer to exercise their free speech rights, or
exercise another right provided for by law. 5.
Comply with the
California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.). 6.
Engage in public or
peer-reviewed scientific, historical, or statistical research in the public
interest that adheres to all other applicable ethics and privacy laws, when the
information’s deletion may likely render impossible or seriously impair the
research’s achievement, if you previously provided informed consent. 7.
Enable solely internal
uses that are reasonably aligned with consumer expectations based on the
consumer’s relationship with the business. 8.
Comply with a legal
obligation. 9.
Make other internal and
lawful uses of the information that are compatible with the context in which
the consumer provided it. E. Consumer Right to
Non-Discrimination. A business
must not discriminate against a consumer who exercises CCPA rights. A business
may charge different prices or provide a different quality of goods or
services, but only if the difference is reasonably related to the value
provided to the consumer by the consumer’s data. A business may offer financial
incentives to a consumer for the collection, sale, or deletion of personal
information on a prior, opt-in consent basis. F. Consumer Right to
Opt-Out. A
covered business that sells PI to third parties must provide notice to
consumers and clearly inform them of the right to opt out of the sale. A
business that sells PI also must provide a “Do Not Sell My Personal
Information” link on its internet homepage that links to a webpage that enables
the consumer to opt out of the sale of his or her PI. A
business is prohibited from selling the PI of a consumer the business knows is
less than 16 years of age, unless (for a child between 13 and 16 years of age)
the child has affirmatively authorized the sale or (for a child less than 13
years of age) the child’s parent or guardian has affirmatively authorized the
sale. G. Privacy Policy
Requirements. A
covered business must include the following in its online privacy policy, which
should be updated every 12 months:
VIII. How Do I Make a CCPA Request? A. Instructions For
Submitting a Request. If
you are a California consumer and wish to make a CCPA request to us, you may
submit your request using one of the following methods: Fill out a Form on our Website: https://uownleasing.com/privacy-requests/ Call us, Toll-Free, at: 1-877-201-1125 We
will confirm receipt of your request within 10 days of receiving it. The
confirmation will provide a ticket number for your request, information about
how we will process and attempt to verify your request, and by when you should
expect to receive a response. Note
that we are only required to respond to your request to know – for access or
data portability – two times in any 12-month period. We
are required to keep records of your CCPA request for at least 24 months,
including any assigned ticket number, the request date and nature of the
request, the manner in which the request was made, the date and nature of our
response, and the basis for the denial of the request if the request is denied
in whole or in part. B. We Need to Verify
Your CCPA Request. We
need to be reasonably sure that the person making the request regarding your PI
is you, or a representative that you have authorized to make a request on your
behalf. We
cannot respond to your request or provide you with PI if we cannot verify your
identity or your authority to make a request on behalf another person.
Accordingly, at the time you submit your request, we will request that you
provide us certain information, such as your full name, date of birth, and
address, that will allow us to attempt to reasonably verify you are either the
person about whom we collected PI or an authorized representative of that
person. To
the extent possible, we will not ask you for new PI to verify your request, but
will instead attempt to use the verification data you provide to cross-check
information available in existing records. If we are unable to verify your
request without requesting new PI, we will delete that new information as soon
as practical after processing your CCPA request, except as may be required to
comply with the CCPA’s request record retention requirements. You
are not required to create an account with us to verify your request. We will
only use PI you provide for verification to attempt to verify your identify or
your authority to make the request for another person. Please
note that certain requests require different levels of verification, depending
on the sensitivity of the information at issue. For example, if you request to
know the specific pieces of information we hold, and not just the categories,
we will require, in addition to matching data points, your submission of a
written declaration under penalty of perjury that you are the consumer whose PI
is the subject of the request. In addition, certain pieces of information, such
as a social security number, driver’s license number or other government-issued
identification number, or financial account information, will not be disclosed
in response to a CCPA request. If
you wish to authorize someone else to act on your behalf, we must receive proof
that this person is authorized to do so. Proof can be provided by a consumer
verifying his/her own identity directly with us and then providing written
authority for a designated person to act on the consumer’s behalf, or through
receipt of a power of attorney or proof that the person is registered with the
California Secretary of State as your designated authorized representative. You
may also make a verifiable consumer request on behalf of your minor child. C. Our Response To Your
CCPA Request. Within
10 days of receipt of your CCPA request, we will provide an initial
confirmation of receipt with an assigned ticket number by email or U.S. Mail. If
you submit a Request to Delete, we must re-confirm your choice to delete the
specified information after your request has been verified and before the data
is deleted. We
strive to provide a response to a verifiable consumer request within 45 days of
its receipt, regardless of the time it takes to verify the request. If we need
additional time, we will inform you of the reason. We
will send our response to your request by U.S. mail or email, at your option.
Any information we provide will cover only the 12-month period preceding
receipt of your request. If we
cannot respond to or comply with your Request to Know or Request to Delete, say
because we cannot verify your identity or because an exception applies, we will
explain our reasoning and decision in our response. We do
not charge a fee to process or respond to your request unless it is excessive,
repetitive, or manifestly unfounded, and we have informed you in writing of the
reasoning behind a charge and its estimated cost. We will provide a cost estimate
before completing your request if we determine that a charge is warranted. IX. How Do I Get Information Regarding Pending CCPA Requests? If
you have any questions about a pending CCPA request, please contact us as
follows, and provide your ticket number: Call us, Toll-Free, at: 1-877-201-1125 E-mail Us at: compliance@777part.com |