Terms of Service

1. Introduction

By accessing this website or submitting your information through any forms, you agree to the Terms of Service outlined below. These terms govern your use of services provided by Universe Financial Corp.

2. Services Provided

Universe Financial Corp. provides mortgage-related services, including home purchase financing, refinancing solutions, and general mortgage guidance. Submission of your information does not guarantee loan approval or specific loan terms.

3. Consent to Communications

By providing your contact information, including your phone number, you give express written consent to receive communications from Universe Financial Corp., including:

- SMS (text messages)

- Phone calls (including automated or prerecorded calls)

- Email communications

These communications may be sent using automated technology. Consent is not required as a condition to purchase any goods or services.

4. SMS Messaging Terms (A2P 10DLC Compliance)

By opting in to receive SMS communications, you agree to the following:

- Message frequency may vary

- Message and data rates may apply

- You can reply STOP at any time to unsubscribe from SMS messages

- You can reply HELP for assistance

- Consent to receive SMS messages is not a condition of purchase

- Carriers are not liable for delayed or undelivered messages

5. Data Collection and Use

We may collect personal information including, but not limited to:

- Name

- Email address

- Phone number

- Property and financial information

This information is used to:

- Provide mortgage services

- Communicate with you بشأن your inquiry

- Improve our services

6. Privacy Policy

Your information is handled in accordance with our Privacy Policy. Please review our Privacy Policy for details on how your data is collected, used, and protected.

7. Third-Party Services

We may use third-party platforms, including CRM systems, communication providers, and lending partners, to deliver our services. These third parties may process your information as necessary to perform their functions.

8. No Guarantee of Loan Approval

Submission of your information or communication with our company does not constitute approval for any loan product. All loans are subject to underwriting, credit approval, and applicable guidelines.

9. Limitation of Liability

Universe Financial Corp. shall not be liable for any indirect, incidental, or consequential damages arising from the use of our services or communications.

10. Opt-Out Instructions

You may opt out of communications at any time:

- SMS: Reply STOP

- Email: Use the unsubscribe link in emails

- For assistance: Reply HELP or contact us directly

11. Age Requirement

You must be at least 18 years of age to use our website, services, or to submit any personal information. By using this website or engaging with our services, you represent and warrant that you are at least 18 years old.

We do not knowingly collect or solicit personal information from individuals under the age of 18. If we become aware that we have received information from a minor without verified parental consent, we will delete such information promptly.

12. Contact Information

Universe Financial Corp.

2530 SW 87 Ave Suite F

Miami, FL 33165

Phone: (786) 762-2775

13. Updates to Terms

We reserve the right to update or modify these Terms of Service at any time. Continued use of our services constitutes acceptance of any changes.

14. SMS Program and Messaging Use

By providing your phone number and opting in through our website forms or chat features, you agree to receive SMS messages from Universe Financial Corp. (operated by Miralex Investments LLC).

SMS messages may include updates related to your mortgage inquiries, loan applications, pre-approvals, appointment scheduling, document reminders, and customer support communications. Occasional informational messages related to our services may also be sent.

Message frequency is approximately 1 message per month. Message and data rates may apply. You may reply STOP at any time to unsubscribe or HELP for assistance.

Consent to receive SMS messages is not a condition of purchase.