This Privacy Policy describes how UNION WY FINANCE COMPANY LLC ("WY Finance," "we," "us" or "our") handles personal information when you use the WY Finance iOS application (the "App") and uniontrustfinance.com (the "Website"). In this Policy, the App and the Website are together called the "Service."
Information we collect
WY Finance runs an online loan marketplace. We are not a lender. We do not originate, fund, service or make decisions on loans. Information you submit is passed to participating lenders and lending partners ("Providers") so they can review your request. Once a Provider receives your information, its own privacy notice governs how it uses that information.
We may collect the following types of information.
Personal information
Information you give us directly in the App or on the Website, such as:
- first and last name and date of birth;
- email address and mobile phone number;
- home address, including street address and ZIP code;
- housing status, such as whether you rent or own;
- loan purpose and the loan amount you request;
- driver's license or state ID number and issuing state, used to verify your identity;
- messages you send us through the Support form or by email.
Financial and bank information
When needed to process your request, you may provide:
Bank information may also be collected through secure third-party bank-verification partners if a Provider requests it. We never receive or store your online banking username or password.
- your next payday date and pay schedule;
- income and employment details;
- bank name, bank routing number, account number and account type (checking or savings).
Automatically collected information
When you use the Service, we may automatically collect:
On the Website, we use cookies and similar technologies to keep the site working and to understand how visitors use it.
The App does not access your contacts, photos, camera, microphone or precise GPS location.
- device type, model and operating system version;
- app version and usage data, such as screens viewed, steps completed and time spent;
- IP address and the approximate location it indicates;
- crash reports and diagnostic data;
- anonymous identifiers and analytics data.
How we use your information
We use your information to:
WY Finance does not make lending decisions, and we do not use your information to decide whether you qualify for credit.
- match your request with Providers in our network and show you the offers they return;
- verify your identity and help prevent fraud and duplicate or abusive requests;
- send you updates about your request by email, SMS and push notification, if you allow notifications;
- answer questions you send to Support;
- measure and improve the App's performance, design and content;
- meet our legal and regulatory obligations and enforce our Terms of Use.
Who we share information with
Providers. When you complete your request and agree to share it, we send your information to Providers that may be able to make you an offer. Providers may contact you, verify the details you submitted and, if you move forward with an offer, check your credit. Providers pay WY Finance for these matches. Read each Provider's privacy notice before you accept an offer.
Vendors who work for us. We use service providers for hosting, data storage, email and SMS delivery, identity and bank verification, fraud screening, analytics and customer support. They are contractually required to protect your information and use it only to perform services for WY Finance.
Legal requirements. We may disclose information when required by law, subpoena or court order, or when we believe disclosure is needed to protect our rights, investigate fraud or protect someone's safety.
Corporate transactions. If WY Finance is merged, acquired or sells some or all of its assets, your information may be transferred to the new owner, which must honor this Policy.
App Tracking Transparency
WY Finance will not track you across other companies' apps and websites for advertising unless you allow it when the App shows Apple's App Tracking Transparency prompt. You can turn this permission on or off anytime in your iPhone's Settings. The information we collect in the App is described in the App Privacy section of our App Store listing.
How long we keep information
We keep your information while your account is active and for as long as reasonably needed for the purposes described above. When you delete your account, we delete or anonymize your personal information within 30 days, unless the law requires us to keep certain records longer or we need them to resolve a dispute or prevent fraud.
Deleting your account and data
You can delete your WY Finance account and the personal information linked to it from inside the App in the Menu section, or by emailing help@uniontrustfinance.com from the email address you used to register. Deletion is permanent. Information already sent to a Provider is held by that Provider; to delete it, contact the Provider directly.
Your privacy rights
Residents of California, Colorado, Connecticut, Virginia, Texas, Oregon and other states with comprehensive privacy laws may have the right to:
Do Not Sell or Share. Because Providers pay us when we match them with you, this may count as a "sale" or "sharing" of personal information under some state laws. You can opt out by emailing help@uniontrustfinance.com with the subject "Do Not Sell or Share." If you opt out, we cannot send your request to Providers. We treat a Global Privacy Control signal from your browser as a valid opt-out request.
Making a request. Email help@uniontrustfinance.com. We will confirm your identity using information already in our records and respond within 45 days, which we may extend once by another 45 days if we tell you why. An authorized agent may submit a request on your behalf with your signed permission. To appeal a decision, reply to our response with the word "Appeal" in the subject line; we will answer within 60 days.
Information covered by GLBA. Some financial information we handle is regulated by the Gramm-Leach-Bliley Act. State privacy rights may not apply to that information, and we protect it as GLBA requires.
- request access to the personal information we hold about them;
- request that we correct inaccurate information;
- request that we delete their information;
- opt out of the sale or sharing of their information, targeted advertising and profiling;
- appeal our decision on a request;
- exercise these rights without discrimination.
Security
We protect information in transit with 256-bit SSL/TLS encryption and use access controls and other safeguards for stored data. No system is completely secure, so we cannot guarantee that information will never be accessed without authorization. If we learn of a security breach affecting your information, we will notify you as required by law.
Age requirement
The Service is only for adults 18 and older. We do not knowingly collect information from anyone under 18 and will delete it if we find out we have.
Links to other sites
Offers in the App may link to Provider websites. Their privacy practices are their own, and we are not responsible for them.
Updates to this Policy
We will post any changes to this Policy here with a new "Last updated" date. If a change is significant, we will let you know in the App or by email before it applies.
Contact
UNION WY FINANCE COMPANY LLC
201 W Lakeway Rd, Gillette, WY 82718-6305, United States
help@uniontrustfinance.com
Questions about this document? Contact support.