Universal Account Servicing

Rev. Dec. 2019

FACTS	What does Universal Account Servicing, LLC do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the resons financial companies can share their customer's personal information; the reasons Universal Account Servicing, LLC choose to share; and whether you can limit this sharing.

Reasons we can share your personal information:	Do Universal Account Servicing, LLC share?	Can you limit this sharing?
For our everyday business purposes– such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	No	We Don't Share
For joint marketing with other financial companies	No	We Don't Share
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We Don't Share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We Don't Share
For our affiliates to market to you	No	We Don't Share
For nonaffiliates to market to you	No	We Don't Share

Questions?

Call 1 (888) 232 - 2302

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Who We Are
Who is providing this notice?	Universal Account Servicing, LLC.

What We Do
How does Universal Account Servicing, LLC protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Universal Account Servicing, LLC collect my personal information?	We collect your personal information, for example, when you Apply for credit, or open an account. Use your credit or debit card, or pay us by check Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial service companies, such as sales finance and debt collection companies.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates include the retail seller providing your product/service and financial services companies, such as sales finance and debt collection companies.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Universal Account Servicing, LLC does not jointly market with other companies..

Other important information
Please note: *When you are no longer* our customer, we continue to share your information as described in this notice. Important information about phone calls, texts, prerecorded and email messages: If, at any time, you provide to Us, our affiliates or designees contact numbers that are wireless telephone number(s) including, but not limited to, cell or VoIP numbers, you are consenting to us using an automated dialing system to call or text you, or to send prerecorded messages to you, in order to service, and collect on, any personal account(s) and business account(s) (for which you are an authorized signer, guarantor or designated contact person, but not to market to you. For any type of phone calls with us, you consent that the call may be monitored or recorded for quality control and training purposes. By providing your email address, you consent to receive electronic mail from us. Questions? Call 1-888-233-2302 For Vermont Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your creditworthiness with our affiliates except with your authorization. For California & Nevada Residents** We will not share information we collect about you with nonaffiliated third parties, except as permitted by the laws of your State, such as to process your transactions or to maintain your account. For our everyday business purposes, we may share your personal information with the merchants and service providers where you use your Account and their related companies. You cannot limit this sharing.

Other important information

Please note:

When you are no longer our customer, we continue to share your information as described in this notice.

Important information about phone calls, texts, prerecorded and email messages: If, at any time, you provide to Us, our affiliates or designees contact numbers that are wireless telephone number(s) including, but not limited to, cell or VoIP numbers, you are consenting to us using an automated dialing system to call or text you, or to send prerecorded messages to you, in order to service, and collect on, any personal account(s) and business account(s) (for which you are an authorized signer, guarantor or designated contact person, but not to market to you. For any type of phone calls with us, you consent that the call may be monitored or recorded for quality control and training purposes. By providing your email address, you consent to receive electronic mail from us.

Questions? Call 1-888-233-2302

For Vermont Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your creditworthiness with our affiliates except with your authorization.

For California & Nevada Residents We will not share information we collect about you with nonaffiliated third parties, except as permitted by the laws of your State, such as to process your transactions or to maintain your account.

For our everyday business purposes, we may share your personal information with the merchants and service providers where you use your Account and their related companies. You cannot limit this sharing.

Universal Account Servicing Privacy Policy