Digital Privacy Policy (for California Residents/CCPA)

This California Privacy Policy describes how U&I Digital LLC and its subsidiaries, affiliates, and related entities (collectively, the "Company," "we," or "us") collect and process personal information about our consumers who reside in California. The California Consumer Privacy Act ("CCPA") requires us to provide our California consumers with a privacy policy that contains a comprehensive description of our online and offline practices regarding our collection, use, sale, sharing, and retention of their personal information, along with a description of the rights they have regarding their personal information. This Privacy Policy provides the information the CCPA requires, together with other useful information regarding our collection and use of personal information. Any terms defined in the CCPA have the same meaning when used in this policy.

This Privacy Policy does not apply to our collection and use of personal information in an employment capacity.

This Privacy Policy does not apply to our collection and use of personal information from residents outside of California. Consumers residing in other locations should see our general privacy policy at: [GENERAL PRIVACY POLICY URL].

Personal Information Collected

We collect and use information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household ("personal information"). Personal information does not include:

  • Publicly available information, including from government records, through widely distributed media, or that the consumer made publicly available without restricting it to a specific audience.
  • Lawfully obtained, truthful information that is a matter of public concern.
  • Deidentified or aggregated consumer information.
  • Information excluded from the CCPA's scope, like:
    • health or medical information covered by the Health Insurance Portability and Accountability Act (HIPAA) and the California Confidentiality of Medical Information Act (CMIA), clinical trial data, or other qualifying research data; or
    • personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act.

Personal Information Categories Chart

The chart below identifies the categories of personal information we collected from our consumers within the last 12 months and the expected retention period.

Category Examples Collected Retention Period
A. Identifiers A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. Yes Perpetual
B. California Customer Records A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. Yes Perpetual
C. Protected Classes Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, reproductive health decision-making, military and veteran status, or genetic information (including familial genetic information). Yes Perpetual
D. Commercial Information Records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. Yes Perpetual
E. Biometric Information Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. Yes Perpetual
F. Internet Activity Activity on our websites, mobile apps, or other digital systems, such as internet browsing history, search history, system usage, electronic communications with us, postings on our social media sites. Yes Perpetual
G. Geolocation Data Physical location or movements, such as your zip code, the time and physical location related to use of our internet website or mobile application, or other information about your location or locations you visited. Yes Perpetual
H. Sensory Data Audio, electronic, visual, thermal, olfactory, or similar information. Yes Perpetual
I. Professional Information Current or past job history or performance evaluations. Yes Perpetual
J. Inferences Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. Yes Perpetual
K. Sensitive Personal Information Further identified in the chart below. Yes Perpetual

Sensitive Personal Information Categories Chart

Sensitive personal information is a subtype of personal information consisting of the specific information categories listed in the chart below. Importantly, the CCPA only treats this information as sensitive personal information when we collect or use it to infer characteristics about a consumer.

Sensitive Personal Information Category
L.1. Government identifiers, such as your Social Security number (SSN), driver's license, state identification card, or passport number.
L.2. Complete account access credentials, such as usernames, account logins, account numbers, or card numbers combined with required access/security code or password.
L.3. Precise geolocation, such as GPS data from a consumer's mobile device that can provide its location in a geographic area, with an approximate radius of 1,850 feet.
L.4. Racial or ethnic origin.
L.5. Citizenship or immigration status.
L.6. Religious or philosophical beliefs.
L.7. Union membership.
L.8. Mail, email, or text messages not directed to the Company.
L.9. Genetic data.
L.10. Neural Data, such as information generated by measuring a consumer's central or peripheral nervous system's activity that is not inferred from nonneural information.
L.11. Unique identifying biometric information.
L.12. Health information.
L.13. Sex life or sexual orientation information.
L.14. Children's personal information (under age 16).

Sources of Personal Information

We obtain the categories of personal information listed above from the following categories of sources:

  • Directly from you, such as from the forms or other information you provide to the Company.
  • Indirectly from you, such as from your interactions with the Company's websites and the VaDi platform.
  • Inferences generated by the Company's or our service providers' computer systems.

How We Use Personal Information

Personal Information Collection, Use, and Disclosure Purposes

We may use and disclose the personal information, including, without limitation, sensitive personal information, we collect to advance the Company's business and commercial purposes, specifically to:

  • Develop, offer, and provide you with our products and services, including, without limitation, services through the VaDi platform.
  • Meet our obligations and enforce our rights arising from any contracts with you, including for billing or collections, or to comply with legal requirements.
  • Fulfil the purposes for which you provided your personal information or that were described to you at collection, and as the CCPA otherwise permits.
  • Improve our products or services, marketing, or customer relationships and experiences.
  • Notify you about changes to our products or services.
  • Administer our systems and conduct internal operations, including for troubleshooting, data analysis, testing, research, statistical, and survey purposes.
  • Protect our Company, employees, or operations.
  • Manage your consumer relationship with us, including for:
    • online account creation, maintenance, and security; and
    • reaching you, when needed, about your account.
  • Perform data analytics and benchmarking.
  • Administer and maintain the Company's systems and operations, including for safety purposes.
  • Engage in corporate transactions requiring review of consumer records, such as for evaluating potential Company mergers and acquisitions.
  • Comply with all applicable laws and regulations.
  • Respond to law enforcement requests and as required by applicable law or court order.

Sensitive Personal Information Use and Disclosure Purposes

We may use or disclose sensitive personal information for the following statutorily approved reasons (Permitted SPI Purposes):

  • Performing actions that are necessary for our consumer relationship and that an average consumer in a relationship with us would reasonably expect.
  • Preventing, detecting, and investigating security incidents that compromise the availability, authenticity, integrity, or confidentiality of stored or transmitted personal information.
  • Defending against and prosecuting those responsible for malicious, deceptive, fraudulent, or illegal actions directed at the Company.
  • Ensuring physical safety.
  • Short-term, transient use, such as non-personalized advertising shown as part of your current interactions with us, where we do not:
    • disclose the sensitive personal information to another third party; or
    • use it to build a profile about you or otherwise alter your experience outside your current interaction with the Company.
  • Services performed for the Company, including maintaining or servicing accounts, processing or fulfilling transactions, verifying consumer information, processing payments, or providing financing, analytic services, storage, or similar services for the Company.
  • Activities required to:
    • verify or maintain the quality or safety of a product, service, or device that we own, manufacture, had manufactured, or control; or
    • improve, upgrade, or enhance the service or device that we own, manufacture, had manufactured, or controlled.
  • Collecting or processing sensitive personal information that we do not use for the purpose of inferring characteristics about a consumer.

Additional Categories or Other Purposes

We may collect, process, and disclose aggregated or deidentified consumer information for any purpose, without restriction. When we collect, process, or disclose aggregated or deidentified consumer information, we will maintain and use it in deidentified form and will not to attempt to reidentify the information, except to determine whether our deidentification processes satisfies any applicable legal requirements.

Disclosing, Selling, or Sharing Personal Information

Business Purpose Disclosures

The VaDi platform utilizes certain third party tools and platforms, including without limitation, OpenAi and Deepgram. Information that you provide to the VaDi platform is shared with OPenAi and Deepgram to process your information, as contemplated by the VaDi platform. Any such information is subject to the privacy policies and terms of use of these third party providers. You should carefully review their license terms and conditions and privacy policies prior to use of our VaDi platform (and from time to time, as their practice may change from time to time). In general, these third party providers will process personal and sensitive information you provide to them to fulfill the purpose for which you are using such information on the VaDi platform. In general, you retain all rights in and to the data you provide and have the right to utilize any outputs from the use of these third-party services. In general, the third party provide has the right to utilize any aggregated data to train their artificial intelligence, but does not have the right to utilize any personal data you provide to them for purposes other than to fulfill your uses on the VaDi platform. Again, we urge you to review carefully the terms and conditions applicable to use of OpenAi and Deegram, as all such uses will be subject to those terms and conditions.

We only make these business purpose disclosures under written contracts that describe the purposes, require the recipient to keep the personal information confidential, prohibit using the disclosed information for any purpose except performing the contract, and meet the CCPA's other contract requirements for engaging service providers or contractors.

Selling or Sharing Personal Information

We do not sell your personal information to third parties.

Your Rights and Choices

you are a California resident, the CCPA grants you the following rights regarding your personal information:

Right to Know and Data Portability Requests

You have the right to request that we disclose certain information to you about our collection and use of your personal information (the "right to know"), including the specific pieces of personal information we have collected about you (a "data portability request"). Our response will cover the 12-month period preceding the request, although we will honor requests to cover a longer period that do not extend past January 1, 2022, unless doing so would be impossible or involves disproportionate effort. You may exercise your right to know twice in any 12-month period. Once we receive your request and confirm your identity, we will disclose to you:

  • The categories of:
    • personal information we collected about you; and
    • sources from which we collected your personal information.
  • The business or commercial purpose for collecting your personal information and, if applicable, selling or sharing your personal information.
  • If applicable, the categories of persons, including third parties, to whom we disclosed your personal information, including separate disclosures identifying the categories of your personal information that we:
    • disclosed for a business purpose to each category of persons; and
    • sold or shared to each category of third parties.
  • When your right to know submission includes a data portability request, a copy of your personal information, subject to any permitted redactions.

Right to Delete and Right to Correct

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions and limitations (the "right to delete"). Once we receive your request and confirm your identity, we will delete your personal information from our systems unless an exception allows us to retain it.

You also have the right to request correction of personal information we maintain about you that you believe is inaccurate (the "right to correct"). We may require you to provide documentation, if needed, to confirm your identity and support your claim that the information is inaccurate. Unless an exception applies, we will correct personal information that our review determines is inaccurate and notify our service providers, contractors, and other recipients to take appropriate action.

Right to Limit Sensitive Personal Information Use and Disclosure to Permitted SPI Purposes

You have a right to ask businesses that use or disclose your sensitive personal information to limit those actions to just the CCPA's Permitted SPI Purposes (the "right to limit"). As we do not use or disclose sensitive personal information beyond the CCPA's Permitted SPI Purposes, we do not currently provide this consumer right

Personal Information Sales or Sharing Opt-Out and Opt-In Rights

You have the right to request that businesses stop selling or sharing your personal information at any time (the "right to opt-out"), including through a user-enabled opt-out preference signal. Similarly, the CCPA prohibits businesses from selling or sharing the personal information of consumers it actually knows are under 16 years old without first obtaining consent from consumers who are between 13 and 15 years old or the consumer's parent or guardian for consumers under age 13 (the "right to opt-in").

As we do not sell or share consumers' personal data, we do not currently provide these consumer rights.

ADMT Rights

When a business uses automated decision-making technology (ADMT) to make significant decisions about you, you may have rights to:

  • Obtain certain information about how the business uses ADMT, that is specific to you (the "ADMT access right").
  • Opt-out of the ADMT use (the "ADMT opt-out right") unless the business provides you with a method to appeal the decision to a human reviewer with the authority to overturn the decision (the "ADMT appeal right") or another exception applies.

ADMTs are technologies that process personal information and use computation to execute a decision and either replace or substantially replace human decision-making, resulting in decisions made without human involvement. Decisions are significant when they result in the provision or denial of financial or lending services, housing, education enrollment or opportunities, employment or independent contracting opportunities or compensation, or healthcare services. Advertising is not a significant decision.

We do not currently use ADMT to make significant decisions about consumers, so we do not provide ADMT access, opt-out, or appeal rights.

Right to Non-Discrimination

You have the right not to be discriminated or retaliated against for exercising any of your privacy rights under the CCPA.

How to Exercise Your Rights

Exercising the Rights to Know, Delete, Correct, or Access ADMT

To exercise the right to know (including data portability), delete, correct, or access ADMT described above, please submit a verifiable request to us by either:

Please describe your request with sufficient detail so we can properly understand, evaluate, and respond to it. You or your authorized agent may only submit a request to know, including for data portability, twice in a 12-month period.

Privacy Policy Changes

We reserve the right to update this Privacy Policy at any time. If we make any material changes to this Privacy Policy, we will update the policy's effective date and post the updated policy on our website. We encourage you to check our website to review the current Privacy Policy in effect.

Contact Information

If you have any questions or comments about this policy, the ways in which we collect and use your information described here, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at: