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 Promotes Earned Income Tax Credit Awareness Day" 27 Jan 2023 10:00:00 -0500 - To make more eligible working families aware of the benefits of the Earned Income Tax Credit (EITC), the Office of the Comptroller of the Currency is promoting EITC Awareness Day on January 27. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Solicits Research on Emerging Risks in the Banking System" 23 Jan 2023 12:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) is soliciting academic research papers on emerging risks in the banking system or related policy and supervisory issues for submission by March 3, 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 19 Jan 2023 11:00:00 -0500 - 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 Announces Approval of Bank of the West – BMO Harris Bank, National Association Merger" 17 Jan 2023 17:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today approved the merger of Bank of the West, San Francisco, into BMO Harris Bank, National Association, Chicago. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Management of Large Banks" 17 Jan 2023 14:15:00 -0500 - Acting Comptroller of the Currency Michael J. Hsu today discussed large bank manageability in remarks at Brookings. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Registration Open for OCC Symposium on Bank Mergers" 12 Jan 2023 17:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today announced registration is open for its symposium on bank mergers February 10, 2023, at its headquarters in Washington, D.C. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Issues Revisions to Fair Lending Booklet" 12 Jan 2023 10:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today issued a revised version of the "Fair Lending" booklet of the Comptroller's Handbook. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases CRA Evaluations for 22 National Banks and Federal Savings Associations" 11 Jan 2023 12:15:00 -0500 - 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 September 1, 2022, through November 30, 2022. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Announces Deputy Comptroller for Systemic Risk Identification and Support" 11 Jan 2023 11:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today announced Melissa Love-Greenfield as Deputy Comptroller for Systemic Risk Identification and Support (SyRIS) within the Supervision Risk & Analysis division. She will assume these duties January 29, 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Issues Annual Report for 2022" 5 Jan 2023 10:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today published its 2022 Annual Report. The OCC Annual Report provides Congress with an overview of the condition of the federal banking system, discusses the OCC's strategic priorities and initiatives, and shares the agency's financial management and condition. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Federal Reserve Board announces denial of application by Custodia Bank, Inc. to become a member of the Federal Reserve System" Fri, 27 Jan 2023 16:30:00 GMT - Federal Reserve Board announces denial of application by Custodia Bank, Inc. to become a member of the Federal Reserve System - Source: ||||||||||||||

"Federal Reserve Board issues policy statement to promote a level playing field for all banks with a federal supervisor, regardless of deposit insurance status" Fri, 27 Jan 2023 16:30:00 GMT - Federal Reserve Board issues policy statement to promote a level playing field for all banks with a federal supervisor, regardless of deposit insurance status - Source: ||||||||||||||

"Federal Reserve Board announces it has fined Popular Bank $2.3 million for processing six Paycheck Protection Program (PPP) loans despite having detected that the loan applications contained significant indications of potential fraud" Tue, 24 Jan 2023 16:00:00 GMT - Federal Reserve Board announces it has fined Popular Bank $2.3 million for processing six Paycheck Protection Program (PPP) loans despite having detected that the loan applications contained significant indications of potential fraud - Source: ||||||||||||||

"Chair Powell tested positive for COVID-19, is vaccinated, has mild symptoms, and is working remotely" Wed, 18 Jan 2023 15:30:00 GMT - Chair Powell tested positive for COVID-19, is vaccinated, has mild symptoms, and is working remotely - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by Bank of Montreal and BMO Financial Corp." Tue, 17 Jan 2023 22:00:00 GMT - Federal Reserve Board announces approval of application by Bank of Montreal and BMO Financial Corp. - Source: ||||||||||||||

"Federal Reserve Board provides additional details on how its pilot climate scenario analysis exercise will be conducted and the information on risk management practices that will be gathered over the course of the exercise" Tue, 17 Jan 2023 20:00:00 GMT - Federal Reserve Board provides additional details on how its pilot climate scenario analysis exercise will be conducted and the information on risk management practices that will be gathered over the course of the exercise - Source: ||||||||||||||

"Federal Reserve Board releases results of survey of senior financial officers at banks about their strategies and practices for managing reserve balances" Fri, 13 Jan 2023 19:00:00 GMT - Federal Reserve Board releases results of survey of senior financial officers at banks about their strategies and practices for managing reserve balances - Source: ||||||||||||||

"Federal Reserve Board announces Reserve Bank income and expense data and transfers to the Treasury for 2022" Fri, 13 Jan 2023 16:00:00 GMT - Federal Reserve Board announces Reserve Bank income and expense data and transfers to the Treasury for 2022 - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings on November 14 through December 14, 2022" Tue, 10 Jan 2023 19:00:00 GMT - Minutes of the Board's discount rate meetings on November 14 through December 14, 2022 - Source: ||||||||||||||

"Federal Reserve Board announces the designation of the Chairs and Deputy Chairs of the 12 Federal Reserve Banks for 2023" Tue, 10 Jan 2023 19:00:00 GMT - Federal Reserve Board announces the designation of the Chairs and Deputy Chairs of the 12 Federal Reserve Banks for 2023 - Source: ||||||||||||||

"Federal Reserve Board issues enforcement actions with former employee of Regional Acceptance Corporation and former employee of Central Savings Bank" Thu, 5 Jan 2023 16:00:00 GMT - Federal Reserve Board issues enforcement actions with former employee of Regional Acceptance Corporation and former employee of Central Savings Bank - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, December 13-14, 2022" Wed, 4 Jan 2023 19:00:00 GMT - Minutes of the Federal Open Market Committee, December 13-14, 2022 - Source: ||||||||||||||

"Agencies issue joint statement on crypto-asset risks to banking organizations" Tue, 3 Jan 2023 19:00:00 GMT - Agencies issue joint statement on crypto-asset risks to banking organizations - Source: ||||||||||||||

"Federal Reserve Board announces the appointment of eight members, including six new members, to its Insurance Policy Advisory Committee (IPAC)" Thu, 22 Dec 2022 21:30:00 GMT - Federal Reserve Board announces the appointment of eight members, including six new members, to its Insurance Policy Advisory Committee (IPAC) - Source: ||||||||||||||

"Federal Reserve Board issues technical updates to its policy governing the provision of intraday credit in accounts at Federal Reserve Banks" Wed, 21 Dec 2022 17:00:00 GMT - Federal Reserve Board issues technical updates to its policy governing the provision of intraday credit in accounts at Federal Reserve Banks - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by United Community Banks, Inc." Mon, 19 Dec 2022 20:00:00 GMT - Federal Reserve Board announces approval of application by United Community Banks, Inc. - Source: ||||||||||||||

"Agencies release annual asset-size thresholds under Community Reinvestment Act regulations" Mon, 19 Dec 2022 16:00:00 GMT - Agencies release annual asset-size thresholds under Community Reinvestment Act regulations - Source: ||||||||||||||

"Agencies announce results of resolution plan review for certain domestic and foreign banks" Fri, 16 Dec 2022 21:00:00 GMT - Agencies announce results of resolution plan review for certain domestic and foreign banks - Source: ||||||||||||||

"Federal Reserve Board adopts final rule that implements Adjustable Interest Rate (LIBOR) Act by identifying benchmark rates based on SOFR (Secured Overnight Financing Rate) that will replace LIBOR in certain financial contracts after June 30, 2023" Fri, 16 Dec 2022 15:00:00 GMT - Federal Reserve Board adopts final rule that implements Adjustable Interest Rate (LIBOR) Act by identifying benchmark rates based on SOFR (Secured Overnight Financing Rate) that will replace LIBOR in certain financial contracts after June 30, 2023 - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by Brookline Bancorp, Inc." Thu, 15 Dec 2022 21:30:00 GMT - Federal Reserve Board announces approval of application by Brookline Bancorp, Inc. - Source: ||||||||||||||