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Privacy Policy

Privacy Policy

Last Revised: January 20, 2025

This website is owned and operated by Universal Direct Lender (the “Company”). This online privacy policy (“Privacy Policy”) is intended to describe and explain to you, the end user, how Universal Direct Lender handles its data collection, retention, use, distribution, and protection practices in connection with UniDirectLender.com (the “Website”). This privacy policy is applicable only to https://UniDirectLender.com in connection with the data and information collected by this Website.

Agreement to this Privacy Policy: By using the Company’s website, you expressly agree to the Company’s Terms of Service and this Privacy Policy and consent to the use of your information in the manner described herein. If you do not unconditionally agree with our Terms of Service and all of the provisions of this Privacy Policy, please do not submit any personal information to, or make any other use of, our Website.

Universal Direct Lender provides consumer credit lending services under the Utah Department of Financial Institutions. (“Services”) Loans are only available to individuals 18 years or older and United States residents.  Loans are not available in all states. APR/Interest rates will vary depending on product terms and conditions. All loan applications are subject to credit review and approval. When you submit a loan application, you may authorize us to make inquiries and obtain and confirm information about you as we deem appropriate for the purpose of evaluating your eligibility for this extension of credit, including obtaining credit reports, verifying your income. Not all borrowers will qualify for the same rate if a rate is listed “as low as”. Qualifying for rates listed “as low as” are based on the borrower’s credit worthiness, which includes factors such as favorable debt ratio and excellent credit history. Terms and conditions apply. Interest rates will vary. 

Types of Information We Collect

Information that personally identifies, relates to, describes, or is capable of being associated with you is considered personal information or personal data (“Personal Information”).  The types of Personal Information We may collect depends on how you interact with this Website and the Services you are interested in. We may collect the following Personal Information:

Identifiers- This could include your first name, last name, telephone/mobile number, email address, physical or postal address, unique personal identifier, online identifier, IP address, physical characteristics or description, or other unique identifiable Information such as a signature, username or social media handle, or other similar identifiers.

Device Information/Internet or Other Electronic Network Activity Information- This is information we automatically collect from you when you access this Website.  This could include your device identifier, internet protocol (IP) address, browsing history, information about your interactions with this Website, it’s features, contact forms or any advertisements.

Commercial Information- Records of personal property, financial information, products or services purchased, or purchasing or consuming histories, monthly income range, estimated debt, status of payments, or credit rating range.

Professional or Employment Information- Employment status, education, employment history, job description, or business information.

Usage Information- This is information we automatically collect from you when you access this Website.  The information collected includes the features you may use on this Website, any links you may click, viewed, the different pages you may visit, or advertisements you interact with. The time and day you browse the Website including referring and exit pages.  This information may be collected through a variety of technologies like cookies (as described below) and script which may include session reply software.   

Website Activity & Communications- This is information we automatically collect from you when you access this Website.  We may record and retain calls, texts and the contents of your interactions with Us, including this Website session, webform inquiry submissions, chat transcripts, or other written/electronic communications between you and Us. By communicating with Us, you consent to Our recording and retention of these communications.

Characteristics of Protected Classifications Under California or Federal Law-Age, mental and physical disability, sex, sexual orientation, gender identity, medical information, marital status, or military status.

Inferences Drawn From Other Personal Data- Profiling a consumer’s preferences, characteristics, psychological trends, preferences, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.

Personal information as described in Cal. Civ. Code § 1798.80(e)- To the extent collected under another category of Personal Data above.

If the information We automatically collect can identify you, it is considered Personal Information. 

How We Collect Information

We and our third-party service providers may collect and use Other Information in a variety of ways, including:

We may collect your Personal Information from the following sources:

Directly from Website Users (You)- This Website may automatically collect and/or ask you to provide your Personal Information if you access this Website, submit a contact form, or communicate with Us. 

Third-Party Sources- We may have collected your Personal Information from third-parties such as marketing and data analytic partners, and Our authorized service providers utilized by Us for the function of this Website and Our Services. 

Additional Information

Third party widgets – We may allow certain widgets (e.g., social share buttons) on our Websites that enable users to easily share information on another platform, such as asocial media platform. The third parties that own these widgets may have access to information about your browsing on pages of our Websites where these widgets are placed. You may wish to review information at the third party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information. Also, see Linking to other sites and Social media sites below

Retargeting – As you browse https://www.UniDirectLender.com, advertising cookies may be placed on your computer so that we can understand what you are interested in. Our display advertising partners, enable us to present you with retargeting advertising on other sites based on your previous interaction with https://www.UniDirectLender.com and affiliated pages and sites. The techniques our partners employ do not collect personal information such as your name, email address, postal address or telephone number.

Google Interest Based Advertising Program – In order to enhance your experience when you visit our website, we participate in the Google Interest-based Advertising Program (“Program”) to ensure the advertisements on this Website correspond to your interests. We do this by working with Google and other Program participants who, like us, place ads on our Website and those of other Program Participants. We then share the information we collect using Web Cookies placed in your browser in order to provide you with targeted advertising when you visit the Website. You may opt out of Google’s use of cookies by visiting the Google Advertising Opt-Out Page.

Third-Party Web Beacons – We use third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website. Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! click here or visit https://aim.yahoo.com/aim/us/en/optout/index.htm.

The Facebook Companies – Facebook owns and operates each of the companies listed below, in accordance with their respective terms of service and privacy policies. We may share information about you within the Facebook family of companies to assist in advertising our services. For more information on the Facebook Companies’ privacy practices and how they treat individuals’ information, please visit the following links:

How We Use and Disclose Your Personal Information 

We may use your Personal Information for the following: 

We may disclose your Personal Information as outlined below:

Authorized Service Providers- We may share your Personal Information with other companies that are under contractual obligations to perform services on Our behalf (“Service Providers”).  Those Service Providers may support our core business functions and internal operations. This includes Our Website data security, management, hosting and real-time maintenance; fulfilling requests; telecommunications; sending postal mail and email; investigating fraudulent activity; conducting customer surveys or promotions; and providing customer service.

Social Media Platforms and Networks- This Website may have features such as, plugins, widgets, and/or other tools made available by social media platforms and networks that may result in information being collected or disclosed between Us and those parties. Their use of your information is not governed by this privacy policy. These companies may use your Personal Information for additional purposes outlined in their privacy policies.

Legal Obligations- We may disclose your Personal Information in response to subpoenas, warrants, court orders, government inquiries, or investigations; or to comply with relevant laws and regulations. We may also disclose information to establish, exercise, or protect the rights of our Company, employees, agents, and affiliates; to defend against a legal claim; to protect the safety and security of our Website and Services; to detect and protect against fraud; and to take action regarding possible illegal activities or violations of our policies or terms.

Transfer of Control We may disclose Personal Information with another company that buys some, or all, of the assets or stock of COMPANY, and that company may use and disclose Personal Information for purposes similar to what is described in this policy. We may also disclose Personal Information with prospective purchasers for evaluate purposes for any proposed transaction.

Please note, we will not disclose, share or sell any opt–in data or consents with any third parties for their marketing purposes.

Advertising

Universal Direct Lender advertises online (e.g., pages within our Websites and mobile apps through company managed social media presences, and on other sites and mobile apps not affiliated with UniDirectLender.com) and offline (e.g. through call centers, and direct marketing). In order to understand how advertising performs, we may collect certain information on our Websites and other sites and mobile apps through our advertising service providers using cookies, IP addresses, and other technologies. The collected information may include the number of page visits, pages viewed on our Websites, search engine referrals, browsing activities over time and across other sites following your visit to one of our Websites or apps, and responses to advertisements and promotions on the Websites and on sites and apps where we advertise.

We use information described in this privacy policy to help advertise our products and services in a variety of ways. We use such information to:

Present tailored ads, to you including:

Opt-Out Policy, Your Newsletter and Email Subscriptions

You can opt out or unsubscribe to a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails you receive. Please allow five to ten business days for changes to take effect. Client service-related communications are an integral part of the services you receive from us and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at [email protected] or by clicking on the unsubscribe link in the email you received. 

Text and Phone Call Opt-in and Opt-Out

By providing your phone number and/or joining our Text Service, you consent for Universal Direct Lender and/or parties calling on their behalf to contact you regarding loan status and options via text or calls at the phone number provided using any automated or automatic telephone dialing device or system, prerecorded/artificial voice and/or artificial technology, (Data and msg rates may apply, msg frequency varies: Text HELP for help; STOP to cancel) even if your telephone number is listed on any state or federal Do-Not-Call registry. This consent will not be shared with third parties for their marketing purposes.  You may revoke this consent anytime and consent is not required as a condition to speak with someone. Print, save or download consents you provide on this website using your computer or device and web browser to retain your copy of the consent you have provided. 

You may opt out of receiving such phone calls or text messages to your mobile device at any time by emailing us your instructions [email protected]. You may also opt-out and remove your authorization to receive SMS text messages by replying or sending “STOP”, “END”,“QUIT”, “UNSUBSCRIBE”, or “CANCEL” to the Company.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Linking to other sites

We may provide links to third party sites. If you follow links to sites not affiliated or controlled by UniDirectLender.com, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Websites. UniDirectLender.com does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

Children Privacy

The Children’s Online Privacy Protection Act (“COPPA”) protects the online privacy of children under 13 years of age. Universal Direct Lender does not knowingly collector maintain personal information from anyone under the age of 13, unless or as permitted by law. If we become aware that we have inadvertently received personal information from a visitor under the age of 13, we will delete the information from our records. If you are the parent or legal guardian of a child under 13 who has submitted information through the use of our Services, please contact us at: [email protected] to have that child’s information deleted.

By interacting with our Website in any way, you expressly represent and warrant that you are at least 18 years of age and you provide your consent to the data sharing practices described in this Privacy Policy. If you are under the age of 13, you are not authorized to use this Website or our Services.

Security

At Universal Direct Lender, the security of your Personal Information is extremely important to us. We take commercially reasonable precautions to protect your personal information and only provide employees access to it on a need-to-know basis. In an effort to prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, we have employed commercially reasonable physical, electronic, and managerial measures to protect your data and we periodically review these policies and procedures to prevent these types of acts. However, despite our best efforts, no security policy, procedures or practices are adequate to protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception.

Transfer of Your Personal Data

Your Personal Information may be processed in a foreign country, where privacy laws may be less or more stringent than the laws in the United States. By submitting your Personal Information to Us you agree to the transfer, storage, and processing of your Personal Information in a country other than your country of residence including, but not necessarily limited to, the United States. 

Retention of Your Personal Data

We will retain your Personal Information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Information to the extent necessary to comply with Our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

Changes to Privacy Policy

Universal Direct Lender reserves the right to update or change this Privacy Policy at any time without any notice to you. We notify users that changes have been made to our Privacy Policy by updating the date it was last revised. We encourage you to review this Privacy Policy whenever you use any of Our Services or Website in order to stay informed about the data collection practices related to information you share with us or that we may obtain from publicly available sources. By continuing to use Our Services after we post any changes, you accept and agree to the modified Privacy Policy.

To Contact Us

If you have any questions or concerns about this Privacy Policy, you may contact us by email at: [email protected].