Privacy Policy
Effective Date: July 7, 2026 | Last Updated: July 7, 2026
1. Introduction
Universal REI Capital Group ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, services, or communicate with us via SMS/text messaging.
2. Information We Collect
We may collect the following types of information:
- Personal Information: Name, email address, phone number, mailing address, and other contact details you provide.
- Financial Information: Income, assets, credit history, and other financial details necessary for loan underwriting and processing.
- Usage Data: IP address, browser type, device information, pages visited, and interaction data.
- SMS/Messaging Data: Phone numbers, message content, timestamps, and consent records for text communications.
3. How We Use Your Information
We use your information for the following purposes:
- To process and evaluate loan applications and funding requests.
- To communicate with you about your account, applications, and transactions.
- To send transactional and marketing SMS/text messages with your express consent.
- To comply with legal and regulatory requirements.
- To improve our website, products, and services.
4. SMS/Text Messaging (A2P Compliance)
By providing your mobile phone number and opting in, you consent to receive SMS/text messages from Universal REI Capital Group.
- Message Frequency: Message frequency varies and may be periodic. You may receive up to 4 messages per month.
- Message Content: Messages may include application updates, funding notifications, promotional offers, and account reminders.
- Opt-Out: You may opt out at any time by texting "STOP" to any message or by contacting us at 424-380-7357.
- Help: Text "HELP" for assistance or contact us directly.
- Carrier Rates: Message and data rates may apply based on your mobile carrier plan.
- No Sharing: We do not share your mobile information with third parties for their own marketing purposes.
5. Information Sharing
We do not sell, trade, or rent your personal information to third parties. We may share information with trusted service providers who assist us in operating our business, processing transactions, or servicing your account, provided they agree to keep your information confidential. We may also disclose information when required by law or to protect our rights.
6. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure.
7. Your Rights
Depending on your location, you may have the right to:
- Access, correct, or delete your personal information.
- Opt out of marketing communications, including SMS.
- Request restriction or object to certain processing.
- File a complaint with a data protection authority.
To exercise these rights, contact us at 424-380-7357.
8. Cookies
Our website may use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and personalize content. You can manage cookie preferences through your browser settings.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our services after changes constitutes acceptance of the revised policy.
10. Contact Us
If you have questions about this Privacy Policy or your personal information, please contact us:
Universal REI Capital Group
Phone: 424-380-7357