Privacy Policy

Last Updated: 2016-09-26


Universal Asset Management ("UAM") respects your privacy and is committed to protecting your privacy through its compliance with this privacy policy (the "Privacy Policy"). This Privacy Policy describes the types of information UAM may collect from you and the practices of UAM for using, protecting and disclosing that information.

What Websites/Applications Does This Policy Apply To?

This Privacy Policy applies to information we collect on the UAM website located at (the "Website"). It also applies to information we collect in e-mail, text and other electronic messages between you and this Website, including electronic communication you send to third parties through this Website.

This Privacy Policy does not apply to any other website(s) owned or operated by UAM, or websites owned and operated by third party suppliers, service providers or affiliates, even if such websites link to the Website or the Website contains links to those websites. This Privacy Policy does not apply to the practices of any third party, affiliate, or business partner that UAM does not own or control.

Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. By accessing or using the Website, you accept and agree to this Privacy Policy. If you do not agree to all of our policies and practices, you must not access or otherwise use the Website.

Collection of Non-personal Data

If you browse the Website without registering or creating a user account, you do so anonymously. We do not collect your e-mail address or other personal information. We do, however, log your IP address (the internet address of your computer) to tell us which parts of our Website you visit and how long you spend there. While we do not link your IP address to anything personally identifiable, we may track the state and/or country you are accessing the internet from, the date and time you visited and the type of computer, operating system and Web browser you are using. Your browser supplies us with this information. We use this information from our server logs to learn more about our visitors as a group, not about you as an individual. The information helps us identify overall usage patterns and trends on the site.

Collection of Information

Certain features and services offered on the Website enable you and other potential customers to submit personal and/or business information. We may collect information that you provide by filling in forms on our Website. This includes information you provide at the time of registering to use our Website, using services or requesting further services. We may also ask for additional information when providing services and when you report a problem with our Website.

How We Use Your Information

We use information that we collection about you or that your provide to us, including any personal information, for any of the following purposes:

  • To present our Website and its contents to you,
  • To provide you with information, products or services that you requested from us,
  • To carry out our obligations and enforce our rights arising from any agreement or contracts entered into between you and us, including for billing and collection,
  • To notify you about changes to our Website or any services we offer or provide through it,
  • To allow you to participate in interactive features on our Website,
  • In any other way we may describe when your provide the information, or
  • For any other purpose with your consent.

UAM may also use your information to contact you about our and third-party goods and services that may be of interest to you. If you do not want us to use your information in this way, please adjust your user preferences in your account profile. Additionally, we may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Aggregated Data

UAM may aggregate personal and business information so that it is no longer personally identifiable. UAM may use this aggregated information to enhance the features of its Website and services; and UAM may sell or license this aggregated information to third parties or publish the aggregated information.

Disclosure of Your Personal Information

UAM may disclose personal information that we collect or you provide to us:

  • To our subsidiaries and affiliates,
  • To contractors, service providers and other third parties we use to support our business,
  • To third parties to market their products or services if you have not opted out of these disclosures,
  • To fulfill the purpose for which your provided the information,
  • For any other purpose disclosed by us when you provide the information, or
  • With your consent.

UAM may also disclose your personal information: (a) to comply with any court order, law or legal process, (b) to enforce or apply our Terms of Use and other agreements, which are incorporated herein by reference, or (c) to protect and defend the rights of UAM or its affiliates or business partners or the personal safety of UAM employees, agents, affiliates, business partners, customers or Website users.

Third-Party Services

The Website may offer features and services that are administered or provided by third parties hired by UAM. To receive these services, you may be required to provide these third parties with personal information. All such services are subject to separate terms and conditions established by our third-party providers, including separate privacy policies, which may be different than this Privacy Policy.


This Website has reasonable technical and organizational security measures in place to protect the loss, misuse or alteration of information under our control. We cannot guarantee that unauthorized third parties will never be able to defeat those security measures. Any transmission of personal information is at your own risk. UAM is not responsible for circumvention of any privacy settings or security measures contained on the Website.

Although we cannot guarantee that our systems are 100% secure 100% of the time, we periodically update our technology in order to improve the protection of your information. This Website does not use a secure server to transmit sensitive data to and from our site. However, our third-party service providers that collect or process credit card information for the purchase of services do use secure servers. Be sure not to transmit any credit card or other financial or sensitive data through this Website unless you have first verified that the data is being submitted to our third-party service provider’s secure server.

The safety and security of your information also depends on you. Where we have given you a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask that you not share your password with anyone. We urge you to be careful about giving out information in public areas of the Website through our Interactive Services.

Governing Law and Jurisdiction

This Privacy Policy, and UAM's collection and use of your information, shall be governed and interpreted in accordance with the laws of the United States and the State of Tennessee.

Privacy Policy Changes

UAM may revise and change this Privacy Policy from time to time in its sole discretion without prior notice. It is our policy to post any changes we make to this Privacy Policy on this page. All changes are effective immediately when we post them.

Your continued use of this Website following the posting of the revised Privacy Policy means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

Removing or Updating Personal Information

If you believe your personal information is not accurate, or if you would like us to delete personal information collected by UAM through this Website, please contact us at