Privacy Policy

Protecting your private information is our priority. This Statement of Privacy applies to Ubiquity Systems, LLC and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to the Company include Ubiquity Systems, LLC. By using this website, you consent to the data practices described in this statement.

Collection of your Personal Information

In order to better provide you with products and services offered on our Site, the Company may collect personally identifiable information, such as your:

  • First and Last Name
  • Mailing Address
  • E-mail Address
  • Phone Number

If you purchase products and services through our website, we collect billing and credit card information. This information is used to complete the purchase transaction.

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. We will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Use of your Personal Information

The Company collects and uses your personal information to operate its website(s) and deliver the services you have requested.

We may also use your personally identifiable information to inform you of other products or services available from us or our affiliates.

Sharing Information with Third Parties

Ubiquity Systems does not sell, rent or lease its customer lists to third parties.

We may, from time to time, contact you on behalf of our external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. We may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services and they are required to maintain the confidentiality of your information.

Ubiquity Systems may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on the Company or the website; (b) protect and defend the rights or property of US entities; and/or (c) act under exigent circumstances to protect the personal safety of users or the public.

Tracking User Behavior

The Company may keep track of the websites and pages our users visit, in order to determine what services are the most popular. This data is used to deliver customized content and advertising to customers whose behavior indicates that they are interested in a particular subject area.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by our website. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding the use of our website.

Use of Cookies

The website may use "cookies" to help personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize webpages, or register with a website or web services, a cookie helps to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same website, the information you previously provided can be retrieved, so you can easily use the features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the web services or websites you visit.

Links

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Security of your Personal Information

Ubiquity Systems secures your personal information from unauthorized access, use, or disclosure; using the following methods for this purpose:

  • SSL Protocol

When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

Children Under Thirteen

The Company does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

Opt-Out & Unsubscribe from Third Party Communications

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from our third-party partners by contacting us on the website.

E-mail Communications

From time to time, Ubiquity Systems may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open one of our emails or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email, you may opt out of such communications by contacting us on our website.

External Data Storage Sites

We may store your data on servers provided by third party hosting vendors with whom we have contracted.

Changes to this Statement

Ubiquity Systems reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

Contact Information

We welcome your questions or comments regarding this Statement of Privacy. If you believe that any services provided to you by Ubiquity Systems has not adhered to this Statement, please contact us on our website.

Effective as of August 01, 2019

"OCC Releases Fall/Winter Schedule of Virtual Workshops for Community Bank Directors" 23 Sep 2021 14:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced its fall and winter schedule of free, virtual workshops for boards of directors of community national banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Innovation in Digital Assets" 21 Sep 2021 14:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today discussed blockchain, cryptocurrencies, decentralized finance, and key lessons from the 2008 financial crisis that should guide the future of digital innovation during remarks before the Blockchain Association. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Issues Cease and Desist Order Against MUFG Union Bank for Deficiencies Relating to Technology and Operational Risk Governance" 20 Sep 2021 14:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today issued a Cease and Desist Order against MUFG Union Bank, N.A. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 16 Sep 2021 11:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks, federal savings associations, and individuals currently and formerly affiliated with national banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Reports Second Quarter 2021 Bank Trading Revenue" 16 Sep 2021 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported trading revenue of U.S. commercial banks and savings associations of $8.1 billion in the second quarter of 2021.. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Priorities, Safeguarding Trust in Banking" 15 Sep 2021 13:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today discussed the agency's priorities during an appearance before the Exchequer Club. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC to Hold Hearing on Charges Against Former Wells Fargo Bank, N.A. Executives; Agency Seeks Prohibition Order, Orders to Cease and Desist, and Civil Money Penalties" 10 Sep 2021 11:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced a public hearing before an Administrative Law Judge beginning Monday, September 13, 2021, in Sioux Falls, S.D. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Assesses $250 Million Civil Money Penalty, Issues Cease and Desist Order Against Wells Fargo" 9 Sep 2021 16:30:00 -0400 - The Office of the Comptroller of the Currency (OCC) today assessed a $250 million civil money penalty against Wells Fargo Bank, N.A, of Sioux Falls, S.D., based on the bank's unsafe or unsound practices related to deficiencies in its home lending loss mitigation program and violations of the 2018 Compliance Consent Order. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Issues Proposal to Rescind its 2020 Community Reinvestment Act Rule" 8 Sep 2021 15:30:00 -0400 - The Office of the Comptroller of the Currency (OCC) is soliciting comments on proposed rules to rescind the Community Reinvestment Act (CRA) rule issued in 2020 and replace it with rules adopted jointly by the Federal banking agencies in 1995, as amended. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Extend Comment Period on Proposed Risk Management Guidance for Third-Party Relationships" 7 Sep 2021 10:00:30 -0400 - The federal bank regulatory agencies today announced that they will extend until October 18, 2021, the comment period on proposed guidance designed to help banking organizations manage risks associated with third-party relationships, including relationships with financial technology-focused entities. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Federal Reserve Board issues enforcement action with former employee of Simmons Bank and announces termination of enforcement action with The Bank & Trust" Thu, 23 Sep 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with former employee of Simmons Bank and announces termination of enforcement action with The Bank & Trust - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 22 Sep 2021 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||

"Federal Reserve Board and Federal Open Market Committee release economic projections from the September 21-22 FOMC meeting" Wed, 22 Sep 2021 18:00:00 GMT - Federal Reserve Board and Federal Open Market Committee release economic projections from the September 21-22 FOMC meeting - Source: ||||||||||||||

"Federal Reserve publishes paper describing landscape of partnerships between community banks and fintech companies" Thu, 9 Sep 2021 16:00:00 GMT - Federal Reserve publishes paper describing landscape of partnerships between community banks and fintech companies - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with former institution-affiliated party of BNP Paribas" Thu, 9 Sep 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with former institution-affiliated party of BNP Paribas - Source: ||||||||||||||

"Agencies extend comment period on proposed risk management guidance for third-party relationships" Tue, 7 Sep 2021 14:30:00 GMT - Agencies extend comment period on proposed risk management guidance for third-party relationships - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with Intesa Sanpaolo S.p.A. and Intesa Sanpaolo S.p.A. New York Branch" Thu, 2 Sep 2021 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with Intesa Sanpaolo S.p.A. and Intesa Sanpaolo S.p.A. New York Branch - Source: ||||||||||||||

"Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by California Wildfires" Tue, 31 Aug 2021 17:00:00 GMT - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by California Wildfires - Source: ||||||||||||||

"Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Ida" Mon, 30 Aug 2021 20:30:00 GMT - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Ida - Source: ||||||||||||||

"Agencies issue guide to help community banks evaluate fintech relationships" Fri, 27 Aug 2021 16:00:00 GMT - Agencies issue guide to help community banks evaluate fintech relationships - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings on July 19 and July 28, 2021" Tue, 24 Aug 2021 18:00:00 GMT - Minutes of the Board's discount rate meetings on July 19 and July 28, 2021 - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with AllNations Bank" Tue, 24 Aug 2021 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with AllNations Bank - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, July 27-28, 2021" Wed, 18 Aug 2021 18:00:00 GMT - Minutes of the Federal Open Market Committee, July 27-28, 2021 - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by SmartFinancial, Inc." Tue, 17 Aug 2021 19:00:00 GMT - Federal Reserve Board announces approval of application by SmartFinancial, Inc. - Source: ||||||||||||||

"Federal Reserve Board issues enforcement actions with South Shore Bank and Dime Community Bank" Thu, 12 Aug 2021 15:00:00 GMT - Federal Reserve Board issues enforcement actions with South Shore Bank and Dime Community Bank - Source: ||||||||||||||

"Federal Reserve Board announces the individual capital requirements for all large banks, effective on October 1" Thu, 5 Aug 2021 20:30:00 GMT - Federal Reserve Board announces the individual capital requirements for all large banks, effective on October 1 - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with JPMorgan Chase & Co." Thu, 5 Aug 2021 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with JPMorgan Chase & Co. - Source: ||||||||||||||

"Federal Reserve Board issues enforcement actions with Commercial Bank and a former employee of Regions Bank" Tue, 3 Aug 2021 15:00:00 GMT - Federal Reserve Board issues enforcement actions with Commercial Bank and a former employee of Regions Bank - Source: ||||||||||||||

"Federal Reserve Board extends comment period on proposed rule to govern funds transfers over the Federal Reserve Banks' FedNow Service" Tue, 3 Aug 2021 14:00:00 GMT - Federal Reserve Board extends comment period on proposed rule to govern funds transfers over the Federal Reserve Banks' FedNow Service - Source: ||||||||||||||

"Federal Reserve Board announces that it is seeking individuals to serve on its Insurance Policy Advisory Committee" Fri, 30 Jul 2021 18:00:00 GMT - Federal Reserve Board announces that it is seeking individuals to serve on its Insurance Policy Advisory Committee - Source: ||||||||||||||