Policy Effective Date: August 23, 2018
We collect the following personal information from you:
While we do collect information on the beneficiary of your accounts created, we want you to feel completely comfortable with sharing this information considering it may pertain to your young children. We want to reassure you that this shared information is only used for account creation, maintenance, and growth statistics. It will never be shared with third parties.
The security of your personal information is very important to U-Nest. When you enter information, such as a bank account number or financial information, on our forms, we encrypt it and only use it for set up and maintenance, both automatic and requested, for your account. U-Nest uses a bank-level security to keep your sensitive financial data safe. We use the strongest browser encryption (265 bit) and secure servers monitored 24/7.
U-Nest takes reasonable steps to protect your Personal Information from loss, misuse, and unauthorized access, alteration, disclosure, or destruction. However, no Internet, email, or electronic operating system that enables the transmission of data is ever fully secure or error free therefore, we cannot guarantee the security of any information you transmit to us.
Due to the nature of our business, Services and benefits are not marketed to minors. Except for beneficiary information as described above, U-Nest does not knowingly solicit Personal Information from children under the age of 18.
If you are under the age of 18, please do not submit any Personal Information to U-Nest. If we learn that we have collected Personal Information directly from a minor, we will remove such information from our files.
If a parent or guardian becomes aware that their child under the age of 18 has provided us with Personal Information without his or her consent, they should contact us at email@example.com and we will delete such information from our files.
Other means by which we collect Personal Information include the following:
We use your personal information to help you evaluate our service, offer you new products or services, and enhance our service. We may also use your personal information a number of ways, including research, internal analysis, and analytics.
U-Nest stores, processes, and maintains personal information related to you in order to provide client support, offer new products or services and provide our service to clients in accordance with the rules of regulatory bodies such as the Securities and Exchange Commission (the “SEC”) and Financial Industry Regulatory Authority, Inc. (“FINRA”). As a User, you may choose not to provide such information to us, but if you choose not to provide such information, you will not be able to become a client.
Additionally, we may share the information required to become a client with our brokerage partner(s) solely to allow our brokerage partner(s) to provide services to you.
We will not sell, rent, or trade your personal information (whether you are a current or former client) to any non-affiliated third parties except as required by law, such as when we reasonably believe it is necessary or appropriate to investigate, prevent, or take action regarding illegal activities, suspected fraud, front running or scalping, or situations involving potential threats to the physical safety of any person.
There are certain circumstances, in which we may share your personal information with non-affiliated third parties without further disclosure to you. For example, from time-to-time, we hire third-parties to perform certain business and technology related functions (e.g., mailing information, database maintenance and payment processing). In the event we hire a third party to perform a function of this kind, we aim to only provide them with the minimum information they need to perform their specific function and to require these third parties in order to safeguard your personal information.
You may decline to provide personal information to U-Nest. Declining to provide personal information may disqualify you for U-Nest services and Site features that require certain personal information.
Where you have consented to U-Nest’s use of your personal information, you may withdraw that consent at any time and opt out by contacting us by email or phone via the contacts indicated in Section X below. Additionally, before we use personal information for any new purpose not originally authorized by you, we will provide information regarding the new purpose and give you the opportunity to opt out.
Prior to disclosing sensitive personal information to a third-party or processing sensitive Personal Information for a purpose other than its original purpose or the purpose authorized subsequently by you, we will endeavor to obtain your explicit consent (opt-in). Where your consent for the processing of personal information is otherwise required by law or contract, we will have to comply with the aforementioned law or contract.
We will only use Employee personal information only for employment-related purposes. If we intend to use this Employee personal information for any other purpose, we will provide the Employee with an opportunity to opt-out of these uses.
You may request deletion of Personal Information by contacting us at firstname.lastname@example.org and providing us enough information to identify your account and prove that you are the owner of the identified account. However, we may retain residual information related to your account, as well as any data related to your trades, in accordance with applicable laws. In no case will we share any personal trading data unless required by regulators or other government bodies.
California law permits Users and Clients who are California residents to request and obtain from us once a year, free of charge, a list of the third- parties to whom we have disclosed their Personal Information (if any) for their direct marketing purposes in the prior calendar year, as well as the type of Personal Information disclosed to those parties. U-Nest does not share Personal Information with third-parties for their own marketing purposes