Privacy notice
Universal Merchant Bank respects the privacy of our clients and users. Therefore, under no circumstances will we sell, share, or rent clients' or users' private information for profit. We collect information from our users at several different points on our website only in order to fulfill the direct requests and orders from our users. Universal Merchant Bank is the sole owner of the information collected on this site. We track IP numbers and ISP names of our visitors in order to get an idea of how users are experiencing our site in the aggregate. No personally identifiable information is contained therein.

Copyright notice
Copyright © 2016, Universal Merchant Bank. No portion of the Universal Merchant Bank website or any of its subparts, including but not limited to: structure, graphics, designs, algorithms, object code, source code, creative concepts or results, in whole or in part, may be reproduced in any form, or by any means, without prior written permission from Universal Merchant Bank.

Disclaimer
Universal Merchant Bank provides full access to the Universal Merchant Bank website solely to Universal Merchant Bank clients and potential clients for support of information, products and services. Clients shall make no other use of the information provided hereunder. The information provided is "as is" with all faults and without warranty of any kind, expressed or implied, including those of merchantability and fitness for a particular purpose, or arising from a course of dealing, usage or trade practice. Universal Merchant Bank makes no warranties or representations regarding the accuracy or completeness of the information. In no event shall Universal Merchant Bank be liable for any incidental or consequential damages, lost profits, or lost data, or any indirect damages even if Universal Merchant Bank has been informed of the possibility thereof.