Privacy Policy
The Unified Recovery Co. Privacy Policy was last updated on September 29, 2026.
Your privacy matters to us
Your privacy is important to Unified Recovery Co.. This Privacy Policy covers how Unified Recovery Co. collects, uses, maintains and discloses your personal information when you use this portal, receive our emails or text messages, or speak with us by phone. We update the date above when this Privacy Policy changes. We encourage you to review this page from time to time.
Personal information we collect
Personal information is data that can be used to identify or contact you. Most of the information we hold is provided to us by the creditor, or is collected directly through our services, emails, text messages, this portal and its payment pages, and phone calls. Examples:
- When an account is placed with Unified Recovery Co., the creditor provides information such as your full name, date of birth, phone number, address, email address, account number, original creditor, current creditor, balance and payment history.
- We may collect sensitive personal information such as the last four digits of your Social Security number for identity verification, and payment card or bank account information when you make a payment.
- We collect information you give us directly, whether you contact us by phone, email, text message or through this portal. For example, when you fill out a form, register, or set up a payment plan and provide your name, email address, mailing address, phone number and payment details.
- When you open our emails or use this portal we may collect internet and electronic activity information such as your IP address, browser type and language, device and operating system, date and time stamps, the pages you visit and the links you click, and whether an email was opened.
How we use personal information
We use personal information to identify the consumers we serve, to provide and improve our services, to administer this portal, to comply with state, federal and local law, and to show that we comply with those laws. Examples:
- We send you communications about your account.
- We verify your identity. When you contact us you will be asked for identifying information so we can confirm your identity and your account. You may decline, but we may then be unable to discuss the account. When you open a link in an email or text message, you will be asked to enter identifying details before your account displays.
- We process payments and other account activity you authorize.
- We use information about your account to suggest payment plan terms.
- We use personal information to create, develop and improve our services, including through internal review and data analysis.
- We use personal information to protect the security and integrity of our services, only to the extent reasonably necessary for that purpose.
- We use personal information as required to meet our regulatory and legal obligations.
Our consumer emails use pixel tags that, depending on your email provider, tell us whether an email was opened. Most of our emails also use click-through links to this portal. We use that activity data to measure the effectiveness of our communications and update your account record. Open tracking is an estimate and does not prove that you read the message. If you prefer not to be tracked in this way, do not open our emails or click the links in them. This portal uses essential cookies and browser storage to keep you signed in and to remember steps such as a payment you are reviewing; blocking them may prevent access or interrupt a payment. The portal does not include advertising networks and does not recognize or act on browser "do not track" requests.
Sources of personal information
We received your personal information from the party that placed your account with Unified Recovery Co., such as the creditor, current creditor or servicer. We also receive information from you directly by phone, email, text message or through this portal, and from vendors who help us confirm addresses, phone numbers, bankruptcy filings and deceased records.
Disclosures of personal information
We disclose personal information only to a limited number of service providers and contractors who help us provide our services, including payment processing, email and text delivery, our account management system, information verification and improving our services. We require them to handle your information in accordance with applicable law, and we give each one only the minimum information needed. Examples:
- For payment processing, we disclose card or bank information to the payment processor and card-issuing bank to complete the payment you authorized.
- For message delivery, we disclose your email address, mailing address or phone number to the delivery service.
- For collectibility, we disclose your name and address to confirm whether a bankruptcy, death, or address or phone change occurred since we received the account.
- For debt collection licensing, we disclose account information to state regulators conducting an audit under state or federal licensing law.
- We may be required by law enforcement, a court order or a subpoena to provide information, and we will do so when there is a lawful basis.
- In a reorganization, merger or sale, personal information may be transferred to the relevant third party.
We may also disclose personal information for these business purposes: to protect security and integrity; to identify and repair errors; to perform services such as maintaining or servicing accounts, customer service, processing disputes, verifying information, processing payments and analytics; and for internal research and development.
No sale, no sharing
We do not sell personal information. We do not share personal information for cross-context behavioral advertising, and we do not allow our vendors to do so. We do not sell or share the personal information of anyone under 16 years of age.
Retention of personal information
Unified Recovery Co. retains your personal information for as long as needed to provide our services, to meet our contractual obligations to the creditor, and as required by law. Retention periods depend on the type of information, applicable requirements, and any legal hold. Contact us for information about retention of your account records.
Your privacy rights
Residents of certain U.S. states have rights regarding their personal information under applicable privacy laws. Subject to exceptions, you may have the right to request access to the personal information we hold about you, request correction of inaccurate information, and request deletion of personal information subject to our legal and contractual obligations. No matter where you live, you can view your account information in this portal. To ask what information we have, correct inaccurate information or request deletion, contact Unified Recovery Co.:
When processing your request we will ask you to verify your identity with your name, email address, telephone number or other identifying information. You may authorize an agent to act on your behalf; we will ask for proof of that authorization, such as a power of attorney. If you live in a state that grants privacy rights not listed here, we will evaluate your request under applicable law. You will not receive discriminatory treatment or retaliation for exercising your privacy rights.
How we protect your information
Unified Recovery Co. uses reasonable physical, administrative and technical safeguards to protect your personal information, including access controls, information security policies, secure disposal procedures and staff training. Your information is encrypted in transit using Transport Layer Security (TLS). Card numbers and security codes are entered directly in our payment processor's secure fields and are not stored by this portal. No transmission over the internet can be guaranteed to be completely secure; while we work to protect your information, we cannot fully guarantee the security or privacy of information exchanged over the internet against a determined third party.
Third-party websites
This portal and our emails may link to third-party websites, such as our payment processor. We do not control those sites and are not responsible for their practices. Their content and links may change, and each has its own privacy and customer service policies that govern your use of that site.
Contacting us
If you have questions about this Privacy Policy, contact Unified Recovery Co.:
Do not email full card numbers, security codes, passwords or a full Social Security number.