Privacy Policy

1. Introduction

Universe Financial Corp. ("Company," "we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website or submit your information through our forms.

2. Information We Collect

We may collect personal information that you voluntarily provide, including:

- Full name

- Email address

- Phone number

- Property and financial details

- Any information submitted through forms, applications, or communications

We may also collect limited technical data such as IP address, browser type, and device information.

3. How We Use Your Information

We use the information we collect to:

- Provide mortgage-related services

- Respond to inquiries and communicate with you

- Send updates, notifications, and service-related messages

- Improve our website and services

- Comply with legal and regulatory requirements

4. SMS and Communication Consent (A2P Compliance)

By providing your phone number and opting in through our website or forms, you consent to receive communications from Universe Financial Corp., including:

- SMS (text messages)

- Phone calls (including automated or prerecorded calls)

- Email communications

Message frequency may vary.

Message and data rates may apply.

You may opt out of SMS messages at any time by replying STOP.

For assistance, reply HELP.

Consent is not a condition of purchase.

5. Sharing of Information

We do not sell, rent, or trade your personal information.

We may share your information only in the following circumstances:

- With trusted third-party service providers (CRM platforms, communication providers, lenders) necessary to deliver our services

- When required by law, regulation, or legal process

- To protect our rights, property, or safety

All third parties are required to maintain the confidentiality of your information.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission over the internet is 100% secure.

7. Data Retention

We retain your information only as long as necessary to:

- Provide services

- Comply with legal obligations

- Resolve disputes

- Enforce agreements

8. Your Rights and Choices

You have the right to:

- Opt out of SMS communications by replying STOP

- Unsubscribe from emails using the unsubscribe link

- Request access, correction, or deletion of your personal information (where applicable)

9. Cookies and Tracking

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites.

11. Children’s Privacy

Our services are not intended for individuals under the age of 18, and we do not knowingly collect information from minors.

12. Updates to This Policy

We may update this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.

13. SMS Data Privacy

We do not sell, rent, or share your personal information, including your SMS consent or phone number, with third parties for marketing or promotional purposes.

SMS opt-in data and consent are used solely for communication between you and Universe Financial Corp. and are not shared with any external parties, except as required to deliver messaging services (such as through our communication providers).

14. Contact Information

If you have questions about this Privacy Policy, please contact:

Universe Financial Corp.

2530 SW 87 Ave Suite F

Miami, FL 33165

Phone: (786) 762-2775

15. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance user experience, analyze website performance, and improve our services.

Cookies are small data files stored on your device that help us understand how users interact with our website. These may include essential cookies for website functionality, as well as analytics cookies to measure traffic and usage patterns.

We may also use third-party services, such as analytics and advertising providers, that utilize cookies or similar technologies to collect information about your interactions with our website.

You can choose to disable cookies through your browser settings; however, doing so may affect certain features or functionality of the website.