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 CRA Evaluations for 15 National Banks and Federal Savings Associations" 20 Apr 2021 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of March 1, 2021 through March 31, 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Deputy Comptroller for Market Risk Policy Testifies on LIBOR Transition" 15 Apr 2021 14:00:00 -0400 - Deputy Comptroller for Market Risk Policy Kevin Walsh today testified during a hearing before the U.S. House Financial Services Subcommittee on Investor Protection, Entrepreneurship and Capital Markets regarding the upcoming cessation of the London Interbank Offered Rates (LIBOR). - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 15 Apr 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 Designates Four as Senior National Bank Examiners" 13 Apr 2021 15:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today designated Brad Biedermann, Kimberly Cahill, James Calhoun, and Roberta Caruso as Senior National Bank Examiners. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Issue Statement and Request for Information on Bank Secrecy Act/Anti-Money Laundering Compliance" 9 Apr 2021 11:00:00 -0400 - The federal banking agencies, in consultation with the Financial Crimes Enforcement Network and the National Credit Union Administration, today issued a joint statement addressing how risk management principles described in the "Supervisory Guidance on Model Risk Management" relate to systems or models used by banks to assist in complying with the requirements of Bank Secrecy Act (BSA) laws and regulations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Hosts Virtual Mutual Savings Association Advisory Committee Meeting April 27" 7 Apr 2021 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced it will host a virtual meeting of the Mutual Savings Association Advisory Committee (MSAAC) on Tuesday, April 27, 2021. The virtual meeting is open to the public and will begin at 11:00 a.m. Eastern Daylight Time (EDT). - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Promotes April as National Financial Capability Month" 1 Apr 2021 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) encourages national banks and federal savings associations (collectively, banks) to support financial literacy education year-round but especially during National Financial Capability Month, which runs through April 30. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller of the Currency Statement Regarding Climate Risk at the Financial Stability Oversight Council" 31 Mar 2021 15:00:00 -0400 - Acting Comptroller of the Currency Blake Paulson made the following statement today at the meeting of the Financial Stability Oversight Council (FSOC) with respect to climate risks. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Seek Wide Range of Views on Financial Institutions’ Use of Artificial Intelligence" 29 Mar 2021 14:00:00 -0400 - Five federal financial regulatory agencies are gathering insight on financial institutions? use of artificial intelligence (AI). - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Reports Decline in Mortgage Performance for Fourth Quarter 2020" 25 Mar 2021 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported that the performance of first-lien mortgages in the federal banking system declined during the fourth quarter of 2020. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Minutes of the Board's discount rate meetings from February 8 through March 17, 2021" Tue, 13 Apr 2021 18:00:00 GMT - Minutes of the Board's discount rate meetings from February 8 through March 17, 2021 - Source: ||||||||||||||

"Federal Reserve Board accepting applications for its Community Advisory Council" Mon, 12 Apr 2021 14:00:00 GMT - Federal Reserve Board accepting applications for its Community Advisory Council - Source: ||||||||||||||

"Federal Reserve announces approval of application by VeraBank, Inc." Fri, 9 Apr 2021 18:30:00 GMT - Federal Reserve announces approval of application by VeraBank, Inc. - Source: ||||||||||||||

"Agencies issue statement and request for information on Bank Secrecy Act/anti-money laundering compliance" Fri, 9 Apr 2021 17:00:00 GMT - Agencies issue statement and request for information on Bank Secrecy Act/anti-money laundering compliance - Source: ||||||||||||||

"Federal Reserve Board issues enforcement actions with former employee of Farmers Bank and the Missouri Bank" Thu, 8 Apr 2021 15:00:00 GMT - Federal Reserve Board issues enforcement actions with former employee of Farmers Bank and the Missouri Bank - Source: ||||||||||||||

"Federal Reserve announces final rule making technical, clarifying changes to the Federal Open Market Committee’s rules describing its Freedom of Information Act procedures" Thu, 8 Apr 2021 14:30:00 GMT - Federal Reserve announces final rule making technical, clarifying changes to the Federal Open Market Committee’s rules describing its Freedom of Information Act procedures - Source: ||||||||||||||

"Federal Reserve Board invites public comment on a proposal to automate non-merger-related adjustments to member banks’ subscriptions to Federal Reserve Bank capital stock" Thu, 8 Apr 2021 14:00:00 GMT - Federal Reserve Board invites public comment on a proposal to automate non-merger-related adjustments to member banks’ subscriptions to Federal Reserve Bank capital stock - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, March 16-17, 2021" Wed, 7 Apr 2021 18:00:00 GMT - Minutes of the Federal Open Market Committee, March 16-17, 2021 - Source: ||||||||||||||

"Federal Reserve Board adopts final rule outlining and confirming the use of supervisory guidance for regulated institutions" Wed, 31 Mar 2021 21:00:00 GMT - Federal Reserve Board adopts final rule outlining and confirming the use of supervisory guidance for regulated institutions - Source: ||||||||||||||

"Federal Reserve Board publishes frequently asked questions (FAQs) comprising existing legal interpretations related to a number of the Board’s longstanding regulations" Wed, 31 Mar 2021 21:00:00 GMT - Federal Reserve Board publishes frequently asked questions (FAQs) comprising existing legal interpretations related to a number of the Board’s longstanding regulations - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with institution-affiliated parties of Farmers State Bank" Tue, 30 Mar 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with institution-affiliated parties of Farmers State Bank - Source: ||||||||||||||

"Agencies seek wide range of views on financial institutions' use of artificial intelligence" Mon, 29 Mar 2021 18:00:00 GMT - Agencies seek wide range of views on financial institutions' use of artificial intelligence - Source: ||||||||||||||

"Federal Reserve announces temporary and additional restrictions on bank holding company dividends and share repurchases currently in place will end for most firms after June 30, based on results from upcoming stress test" Thu, 25 Mar 2021 20:30:00 GMT - Federal Reserve announces temporary and additional restrictions on bank holding company dividends and share repurchases currently in place will end for most firms after June 30, based on results from upcoming stress test - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with former employee of Texas Community Bank" Thu, 25 Mar 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with former employee of Texas Community Bank - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with Orient Bancorporation and Bank of the Orient" Tue, 23 Mar 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with Orient Bancorporation and Bank of the Orient - Source: ||||||||||||||

"Federal Reserve System publishes annual financial statements" Mon, 22 Mar 2021 16:00:00 GMT - Federal Reserve System publishes annual financial statements - Source: ||||||||||||||

"Federal Reserve Board announces that the temporary change to its supplementary leverage ratio (SLR) for bank holding companies will expire as scheduled on March 31" Fri, 19 Mar 2021 13:00:00 GMT - Federal Reserve Board announces that the temporary change to its supplementary leverage ratio (SLR) for bank holding companies will expire as scheduled on March 31 - Source: ||||||||||||||

"Temporary supplementary leverage ratio changes to expire as scheduled" Fri, 19 Mar 2021 13:00:00 GMT - Temporary supplementary leverage ratio changes to expire as scheduled - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with Bryn Mawr Trust Company" Thu, 18 Mar 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with Bryn Mawr Trust Company - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 17 Mar 2021 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||