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 Hosts Risk Governance and Compliance Risk Workshops in Minneapolis" 15 Aug 2022 13:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) will host two workshops September 27-28 in Minneapolis for directors, senior management, and other key executives of national community banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Bank Accounting Advisory Series Updated" 15 Aug 2022 10:01:40 -0400 - The Office of the Comptroller of the Currency (OCC) today released its annual update to the Bank Accounting Advisory Series (BAAS). - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC to Host Virtual Innovation Office Hours" 11 Aug 2022 15:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced that it will host virtual Innovation Office Hours on September 28-29, 2022, to promote responsible innovation in the federal banking system. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Hosts Credit and Operational Risk Workshops in Orlando" 8 Aug 2022 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) will host two workshops September 13-14 in Orlando, Fla, for directors, senior management, and other key executives of national community banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases CRA Evaluations for 22 National Banks and Federal Savings Associations" 3 Aug 2022 13:23:00 -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 July 1, 2022, through July 31, 2022. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Cybersecurity Risks to Financial Sector" 2 Aug 2022 16:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today discussed cybersecurity risks facing the financial sector before the Financial and Banking Information Infrastructure Committee and the Financial Services Sector Coordinating Council. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Allows National Banks and Federal Savings Associations Affected by Flooding in Kentucky to Close" 1 Aug 2022 16:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today issued a proclamation allowing national banks, federal savings associations, and federal branches and agencies of foreign banks to close offices in areas affected by flooding in Kentucky. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Updates Policy Statement on Minority Depository Institutions" 27 Jul 2022 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced it is revising its 2013 policy statement for minority depository institutions (MDI) to update and streamline descriptions of its policies, procedures, and programs. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Solicits Research on Implications of Financial Technology for Banking" 25 Jul 2022 09:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) is soliciting academic-and policy-focused research on the impact of financial technology (fintech) entities and nonbanks on banking and the markets for lending, deposit-taking, and payment services through August 21, 2022. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 21 Jul 2022 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 ||||||||||||||

"Federal Reserve Board announces it has fined EagleBank $9.5 million for violation of the Board's insider lending regulation and has permanently barred its former CEO and chairman from the banking industry" Tue, 16 Aug 2022 20:00:00 GMT - Federal Reserve Board announces it has fined EagleBank $9.5 million for violation of the Board's insider lending regulation and has permanently barred its former CEO and chairman from the banking industry - Source: ||||||||||||||

"Federal Reserve Board provides additional information for banking organizations engaging or seeking to engage in crypto-asset-related activities" Tue, 16 Aug 2022 18:30:00 GMT - Federal Reserve Board provides additional information for banking organizations engaging or seeking to engage in crypto-asset-related activities - Source: ||||||||||||||

"Federal Reserve Board announces final guidelines that establish a transparent, risk-based, and consistent set of factors for Reserve Banks to use in reviewing requests to access Federal Reserve accounts and payment services" Mon, 15 Aug 2022 18:30:00 GMT - Federal Reserve Board announces final guidelines that establish a transparent, risk-based, and consistent set of factors for Reserve Banks to use in reviewing requests to access Federal Reserve accounts and payment services - Source: ||||||||||||||

"Federal Reserve Board announces the individual capital requirements for all large banks, effective on October 1" Thu, 4 Aug 2022 20:00:00 GMT - Federal Reserve Board announces the individual capital requirements for all large banks, effective on October 1 - Source: ||||||||||||||

"Federal Reserve Board announces it is seeking individuals to serve on its Insurance Policy Advisory Committee (IPAC)" Mon, 1 Aug 2022 21:00:00 GMT - Federal Reserve Board announces it is seeking individuals to serve on its Insurance Policy Advisory Committee (IPAC) - Source: ||||||||||||||

"FDIC and Federal Reserve Board issue letter demanding Voyager Digital cease and desist from making false or misleading representations of deposit insurance status" Thu, 28 Jul 2022 21:15:00 GMT - FDIC and Federal Reserve Board issue letter demanding Voyager Digital cease and desist from making false or misleading representations of deposit insurance status - Source: ||||||||||||||

"Federal Reserve Board approves discount rate action by the Boards of Directors of the Federal Reserve Banks of St. Louis and Minneapolis" Thu, 28 Jul 2022 19:30:00 GMT - Federal Reserve Board approves discount rate action by the Boards of Directors of the Federal Reserve Banks of St. Louis and Minneapolis - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with United Bank of El Paso del Norte" Thu, 28 Jul 2022 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with United Bank of El Paso del Norte - Source: ||||||||||||||

"Federal Reserve Board approves discount rate action by the Board of Directors of the Federal Reserve Bank of Kansas City" Wed, 27 Jul 2022 21:00:00 GMT - Federal Reserve Board approves discount rate action by the Board of Directors of the Federal Reserve Bank of Kansas City - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 27 Jul 2022 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||

"Michael S. Barr sworn in as Vice Chair for Supervision of the Board of Governors of the Federal Reserve System" Tue, 19 Jul 2022 15:15:00 GMT - Michael S. Barr sworn in as Vice Chair for Supervision of the Board of Governors of the Federal Reserve System - Source: ||||||||||||||

"Federal Reserve Board invites comment on proposal that provides default rules for certain contracts that use the LIBOR reference rate, which will be discontinued next year" Tue, 19 Jul 2022 13:30:00 GMT - Federal Reserve Board invites comment on proposal that provides default rules for certain contracts that use the LIBOR reference rate, which will be discontinued next year - Source: ||||||||||||||

"Federal Reserve Board releases results of survey of senior financial officers at banks about their strategies and practices for managing reserve balances" Fri, 15 Jul 2022 17:00:00 GMT - Federal Reserve Board releases results of survey of senior financial officers at banks about their strategies and practices for managing reserve balances - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings from May 16 through June 15, 2022" Tue, 12 Jul 2022 18:00:00 GMT - Minutes of the Board's discount rate meetings from May 16 through June 15, 2022 - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with Easthampton Savings Bank" Thu, 7 Jul 2022 15:00:00 GMT - Federal Reserve Board issues enforcement action with Easthampton Savings Bank - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, June 14-15, 2022" Wed, 6 Jul 2022 18:00:00 GMT - Minutes of the Federal Open Market Committee, June 14-15, 2022 - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by Benchmark Community Bank" Fri, 1 Jul 2022 19:00:00 GMT - Federal Reserve Board announces approval of application by Benchmark Community Bank - Source: ||||||||||||||

"Federal Reserve and FDIC extend deadline for U.S. GSIB resolution plan feedback" Fri, 1 Jul 2022 18:00:00 GMT - Federal Reserve and FDIC extend deadline for U.S. GSIB resolution plan feedback - Source: ||||||||||||||

"Agencies release list of distressed or underserved nonmetropolitan middle-income geographies" Fri, 1 Jul 2022 17:30:00 GMT - Agencies release list of distressed or underserved nonmetropolitan middle-income geographies - Source: ||||||||||||||

"Agencies issue host state loan-to-deposit ratios" Tue, 28 Jun 2022 19:30:00 GMT - Agencies issue host state loan-to-deposit ratios - Source: ||||||||||||||