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TERMS OF USE

Privacy Policy Effective Date: February 17, 2025 Last Updated: February 17, 2025 1. Introduction At Universal Enterprise Solutions, we prioritize your privacy and are committed to protecting your personal data. This Privacy Policy outlines how we collect, use, store, and disclose your information when you engage with our services or visit our website. By using our website or services, you consent to this Privacy Policy. 2. Information We Collect We collect personal information directly from you when you: Submit forms on our website. Engage in communication or consultations with us. Register for events or services. Use our website, where technical information (e.g., IP address, browser type) may be automatically collected through cookies. Types of information we collect: Contact Information: Name, email address, phone number, mailing address. Financial Information: Required for transactions or service provision. Technical Information: IP addresses, browser types, cookies. Other Information: Any information provided during inquiries, consultations, or interactions with us. 3. How We Use Your Information We use the personal information you provide for: Delivering and improving our products and services. Responding to your inquiries and requests. Providing marketing materials and updates, with your consent. Complying with legal requirements and regulations. Processing payments, if applicable. 4. Sharing Your Information We do not sell, trade, or rent your personal information. However, we may share your information: With trusted third-party service providers who assist us in delivering services. When required by law or in response to legal proceedings. To protect our rights, privacy, safety, or property, or that of our clients. 5. Data Security We have implemented technical and organizational measures to protect your personal data from unauthorized access, loss, or misuse. However, no online data transmission can be guaranteed to be completely secure, so please take appropriate measures when transmitting sensitive information. 6. Your Rights You may have the right to: Request access to your personal information. Correct or delete your personal data. Withdraw consent for marketing communications at any time. To exercise any of these rights, contact us at 541-299-0060 or teisha@universalenterprisesolutions.com. 7. Changes to This Privacy Policy We reserve the right to update or modify this Privacy Policy at any time. Changes will be posted on this page with a revised "Last Updated" date. Contact Us: For any questions regarding this Privacy Policy, contact us at: Universal Enterprise Solutions 117 E Main St., Rogue River, OR, 97537 Phone: 541-299-0060 Email: teisha@universalenterprisesolutions.com

Terms of Use Effective Date: February 17, 2025 Last Updated: February 17, 2025 1. Acceptance of Terms By accessing or using the website of Universal Enterprise Solutions, you agree to these Terms of Use. If you do not agree to these terms, please refrain from using our website or services. 2. Use of Website You agree to use this website only for lawful purposes. You are prohibited from posting or transmitting any content that is unlawful, harmful, or violates the rights of others. We reserve the right to suspend or terminate your access to the website at any time, without notice, for any conduct we deem inappropriate. 3. Intellectual Property All content on our website, including text, graphics, logos, and software, is the property of Universal Enterprise Solutions or its content suppliers and is protected by intellectual property laws. You may not copy, reproduce, or distribute any content without our prior written consent. 4. Disclaimers and Limitation of Liability This website is provided "as is" without any warranties, expressed or implied. Universal Enterprise Solutions does not warrant that the information provided is accurate or complete. To the maximum extent permitted by law, we disclaim any liability for damages resulting from the use of this website or reliance on any information provided. 5. Governing Law These Terms of Use are governed by the laws of Oregon, USA, and any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in Rogue River, OR. Contact Us: For any questions about these Terms of Use, contact us at: Universal Enterprise Solutions 117 E Main St., Rogue River, OR, 97537 Phone: 541-299-0060 Email: teisha@universalenterprisesolutions.com

Cookies Policy Last Updated: February 17, 2025 1. Introduction This Cookies Policy outlines how Universal Enterprise Solutions uses cookies on our website to improve user experience and provide personalized content. By using our website, you consent to our use of cookies as outlined in this policy. 2. What Are Cookies? Cookies are small text files that are placed on your device by websites you visit. They help websites remember your preferences and activity to improve your browsing experience. 3. Types of Cookies We Use Essential Cookies: These are necessary for the website to function properly. Performance Cookies: These help us understand how visitors interact with our site, allowing us to optimize performance. Functional Cookies: These remember your preferences and enhance the functionality of the website. Targeting Cookies: These are used for advertising purposes to deliver relevant content based on your browsing habits. 4. Managing Cookies You can manage your cookie preferences in your browser settings. Please note that disabling certain cookies may affect the functionality of the website. 5. Changes to This Policy We may update this Cookies Policy periodically. We encourage you to review it regularly to stay informed of any changes. Contact Us: For any questions regarding our Cookies Policy, contact us at: Universal Enterprise Solutions 117 E Main St., Rogue River, OR, 97537 Phone: 541-299-0060 Email: teisha@universalenterprisesolutions.com

Financial Service Disclaimer 1. No Financial Advice The information provided on this website is for general informational purposes only and does not constitute financial, legal, or investment advice. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind regarding its accuracy, completeness, or suitability for any particular purpose. 2. No Client Relationship Submitting an inquiry or engaging with our content does not create a client relationship between you and Universal Enterprise Solutions. Formal financial advice can only be provided after a thorough understanding of your unique situation, and only once an agreement for services has been made. 3. Investment and Risk Disclaimer Any references to financial products, investments, or strategies are not intended as specific recommendations. Investments carry risks, including the potential loss of principal. You should consult with a licensed financial professional before making any investment decisions.

Legal Disclaimer 1. General Legal Information The materials on this website are provided for general informational purposes only and do not constitute legal advice. No attorney-client relationship is formed by the use of this website, and you should not act or refrain from acting based on any content without seeking legal counsel. 2. External Links Our website may contain links to third-party websites. These links are provided for your convenience, and we are not responsible for the content or privacy practices of third-party sites. 3. Limitation of Liability To the fullest extent permitted by law, Universal Enterprise Solutions shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use of, or inability to use, this website or its content. Contact Us: For any legal questions or concerns, contact us at: Universal Enterprise Solutions 117 E Main St., Rogue River, OR, 97537 Phone: 541-299-0060 Email: teisha@universalenterprisesolutions.com

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Privacy & Disclaimer Notice: By submitting this form, you acknowledge and agree that the personal information provided will be processed in accordance with our Terms of Use, Privacy & Cookies Policy. This form submission does not create a client relationship, nor does it constitute financial or legal advice as stipulated in the Financial and Legal Disclosures also found under the Terms of Use. For personalized Financial or Estate Education, please schedule a formal consultation. We take your privacy seriously, and your information will be securely stored and not shared with third parties without your consent, except as required by law. By using this website, you also consent to our use of cookies, as detailed in our Cookie Policy.

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