Universal Funds, we are committed to protecting your privacy and safeguarding your personal and financial information. This Privacy Policy outlines how we collect, use, disclose, and protect your information when you interact with our services, including our website, mobile applications, and banking platforms. By using our services, you agree to the terms outlined in this policy.

•  Information We Collect

We may collect the following types of information:

• Personal Information: Name, address, phone number, email address, date of birth, Social Security number, and government-issued identification.

  • Financial Information: Account numbers, transaction history, credit history, and income details.

    • Technical Information: IP address, device information, browser type, and usage data collected through cookies and similar technologies.

      Other Information: Information provided when you contact us, participate in surveys, or interact with our customer service team

      
      

    •  How We Use Your Information

  • Provide, maintain, and improve our banking products and services.

    • Process transactions and manage your accounts.

    • Verify your identity and protect against fraud or unauthorized activities.

    • Communicate with you about your accounts, updates, and promotional offers.

    • Comply with legal and regulatory requirements.

    • Analyze trends and enhance the user experience on our digital platforms.

      
      

      • How We Share Your Information

We may share your information in the following circumstances:

• • With Service Providers: Third-party vendors who assist us in delivering our services (e.g., payment processors, IT support).
• • For Legal Purposes: When required by law, regulation, or legal process, or to protect our rights and property.
• • With Your Consent: When you authorize us to share your information with third parties.
• • For Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

We do not sell your personal information to third parties for marketing purposes.

• How We Protect Your Information

We employ industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, firewalls, secure servers, and regular security audits.

• Your Choices and Rights

You have the right to:

• • Access, update, or correct your personal information.
• • Opt out of receiving marketing communications.
• • Request the deletion of your information, subject to legal and regulatory requirements.
• • Disable cookies through your browser settings, though this may affect your user experience.

  
  

To exercise these rights, please contact us using the information provided below.

• Retention of Information

We retain your information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law.

• Third-Party Links

Our website may contain links to third-party sites. We are not responsible for the privacy practices or content of these sites. We encourage you to review their privacy policies before providing any personal information.

•  Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on our website with the effective date. Your continued use of our services constitutes acceptance of the revised policy.

• Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us at:

• • Email: 
• • Phone: 
• • Mail: [Bank Name], [Address], [City, State, ZIP Code]mail: [Bank Name], [Address], [City, State, ZIP Code]

Thank you for trusting Universal funds with your financial needs. Your privacy and security are our top priorities.

universalfunds.us —Committed to Protecting Your Information.