Privacy Policy
Privacy Policy and Terms of Service for Universal Wealth Management
PRIVACY NOTICE
Maintaining the trust and confidence of our clients is a high priority. This Privacy Policy outlines how Universal Wealth Management ("UWM") collects, uses, and protects your personal information. It also explains your rights under applicable laws, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).
Information We Collect
In providing financial services, we collect non-public personal information about you, including:
- Application Information: Information from forms you submit, such as name, address, Social Security Number, income, assets, and financial goals.
- Transactional Information: Details of your interactions with us, such as account activity and transactions.
- Digital Information: Data from your interactions with our websites, including IP addresses, cookies, and browsing behavior, stored in web server logs to enhance user experience.
Categories of Information We Disclose
We may disclose non-public personal information only as permitted by law or required for business operations. Universal Wealth Management does not sell client data to third parties.
Categories of Parties to Whom We Disclose
We may disclose information to:
- Service providers operating on our behalf, such as data processors or IT support services.
- Legal or regulatory entities, as required by subpoenas or compliance mandates.
- Your authorized representatives, including attorneys or trustees acting in a fiduciary capacity.
How We Use Information
Information is used to:
- Manage accounts and process financial transactions.
- Comply with legal and regulatory obligations.
- Protect against unauthorized access and identity theft.
- Inform you of services and opportunities that may be of interest.
Your Rights and Opt-Out Policy
You have the right to:
- Access, correct, or delete your data.
- Restrict certain types of data sharing.
To exercise these rights, please contact us at support@universalwealthmanagement.com.
Our Security Measures
We employ encryption, access restrictions, and regular audits to safeguard client information. Cybersecurity policies and procedures are in place to address emerging threats.
Data Retention and Disposal
Client information is retained only as long as necessary for business or legal requirements. When no longer needed, data is securely disposed of in accordance with industry standards.
Succession Planning
In the event of a company transition, your data may be shared to facilitate continuity of services. You will be notified, and your consent obtained, as required by law.
Complaint Handling
For inquiries or complaints, contact support@universalwealthmanagement.com.
Changes to This Policy
We may update this policy periodically. Significant changes will be communicated via email or other means.
Terms of Service for Universal Wealth
Acceptance of Terms
By using our services, you agree to these Terms of Service.
Services Provided
We offer financial services, including investment, insurance, and account management.
Use of Services
You agree to use our services lawfully and ethically.
Prohibited Activities
Prohibited actions include:
- Sharing login credentials.
- Using services for unauthorized or illegal purposes.
Limitation of Liability
We are not liable for indirect, incidental, or consequential damages arising from service use.
Governing Law
These terms are governed by the laws of Arizona.
Changes to Terms
We reserve the right to update these terms as needed.