Terms of Service

ULiving LTD (“We”) operates the website www.uliving.com. We are registered in England and Wales under company number [15231723] and have our registered office at 4 Moorgate, London, England, EC2R 6DA.

By using our site, you confirm that you accept these terms of use and that you agree to comply with them. Please read them carefully.

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

Please note that, although by accepting these Terms of Service you are entering into an agreement with ULiving LTD. Please check any additional terms that apply in relation to specific Services for details of the relevant ULiving LTD that will be providing such Service to you.

Using our Services

You must follow any policies made available to you within the Services.

Do not misuse our Services, for example, do not interfere with our Services or try to access them using a method other than the interface and the instructions that we provide. You may use our Services only as permitted by law, including applicable export and control laws and regulations. We may suspend or stop providing our Services to you if you do not comply with our terms or policies or if we are investigating suspected misconduct.

Using our Services does not give you ownership of any intellectual property rights in our Services or the content that you access. You may not use content from our Services unless you obtain permission from its owner or are otherwise permitted by law. These terms do not grant you the right to use any branding or logos used in our Services. Do not remove, obscure or alter any legal notices displayed in or along with our Services.

In connection with your use of the Services, we may send you service announcements, administrative messages and other information. You may opt out of some of those communications.

Some of our Services are available on mobile devices. Do not use such Services in a way that distracts you and prevents you from obeying traffic or safety laws.

Privacy Protection

ULiving LTD’s Privacy Policies explain how we treat your personal data and protect your privacy when you use our Services. By using our Services, you agree that we can use such data in accordance with our Privacy Policies.

Your Content in our Services

Some of our Services allow you to upload, submit, store, send or receive content. You retain ownership of any intellectual property rights that you hold in that content. In short, what belongs to you stays yours.

When you upload, submit, store, send or receive content to or through our Services, you give ULiving LTD (and those we work with) a worldwide licence to use, host, store, reproduce, modify, create derivative works (such as those resulting from translations, adaptations or other changes that we make so that your content works better with our Services), communicate, publish, publicly perform, publicly display and distribute such content. The rights that you grant in this licence are for the limited purpose of operating, promoting and improving our Services, and to develop new ones. This licence continues even if you stop using our Services. Some Services may offer you ways to access and remove content that has been provided to that Service. Make sure that you have the necessary rights to grant us this licence for any content that you submit to our Services.

You can find more information about how ULiving LTD uses and stores content in the Privacy Policy or additional terms for particular Services. If you submit feedback or suggestions about our Services, we may use your feedback or suggestions without obligation to you.

Disclaimers

ULiving endeavours to make sure that all information contained on this website is accurate, but we make no representation or warranty of any kind (whether express or implied) regarding this website or the accuracy, completeness, currency or reliability of any of the information or material contained or referred to.

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

ULiving hereby disclaims to the fullest extent permitted by law all liability for any loss or damage, including any consequential or indirect loss or damage whether arising in tort, contract or otherwise arising out of or in relation to the use of this website or reliance upon the content of this website or any failure or delay in the use or inability to use this website or any component of it.

ULiving accepts no responsibility and shall not be liable for any damage to or viruses which may affect your computer equipment, software or other equipment or property arising from your access to or use of this website.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged (except where the content is user-generated). You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors. If you print off, copy, download, share or repost any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Business uses of our Services

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

If you are a business user:

We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• use of, or inability to use, our site; or
• use of or reliance on any content displayed on our site.

In particular, we will not be liable for:

• loss of profits, sales, business, or revenue;
• business interruption;
• loss of anticipated savings;
• loss of business opportunity, goodwill or reputation; or
• any indirect or consequential loss or damage.

If you are a consumer user:

Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

If defective digital content that we have supplied damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

About these Terms

We may modify these terms or any additional terms that apply to a Service to, for example, reflect changes to the law or changes to our Services. You should look at the terms regularly. We’ll post notice of modifications to these terms on this page. We’ll post notice of modified additional terms in the applicable Service. Changes will not apply retrospectively and will become effective no earlier than fourteen days after they are posted. However, changes addressing new functions for a Service or changes made for legal reasons will be effective immediately. If you do not agree to the modified terms for a Service, you should discontinue your use of that Service.

If there is any inconsistency between these terms and the additional terms, the additional terms will prevail to the extent of the inconsistency.

Subject to the foregoing, these terms govern the relationship between ULiving LTD and you and they do not create any third party beneficiary rights.

If you do not comply with these terms and we do not take action immediately, this doesn’t mean that we are giving up any rights that we may have (such as taking action in the future).

If it turns out that a particular term is not enforceable, this will not affect any other terms.

Subject to any specific provisions set out in additional terms governing the use of certain Services: (a) the laws of England and Wales will apply to any disputes arising out of or relating to these terms or the Services; and (b) the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these terms or the Services or its subject matter or formation (including non-contractual disputes or claims).

If you have any questions please email:

info@uliving.com

ULIVING LTD

PRIVACY NOTICE

OUR CONTACT DETAILS

We are the controller of your personal data and any individuals who are connected to your business. For all enquiries, you and any individuals who are connected to your business should write to us at:

ULIVING LTD
5th Floor, 4 Moorgate
London EC2R 6DA
Attention: LIU YINGYI, Company Secretary
Telephone: 02080503823
Email: info@uliving.com

THE TYPE OF PERSONAL INFORMATION WE COLLECT

Set out below are some examples of personal information we currently collect and process:

• Your personal particulars, such as name, contact details, date and place of birth, and education details.
• Your contact details, such as residential and email address, landline and mobile numbers.
• Information concerning identity, such as biometric and identity card, passport details and driving licence.
• Your specimen signature(s).
• Your financial details, such as your source of wealth, income, expenses, and credit history.
• Images and biometrics such as thumbprints, voice and video recordings of you, including our conversations with you for verification or other purposes.
• Your employment details, such as occupation, directorships and other positions held, employment history, salary, and/or benefits.
• Your tax information and national insurance number.
• Information included in customer documentation (including, without limitation) about your risk profile, investments, investment objectives, knowledge and experience and/or business interests and assets.
• Information we use to identify and authenticate you and the individuals connected to your business.
• Investigation data, such as due diligence checks, sanctions and anti-money laundering checks, companies house searches and external intelligence reports.
• Your banking information, such as account numbers and banking transactions.
• Your personal opinions made known to us, such as through feedback or surveys.
• Information that we need to support our regulatory obligations, such as information about transaction details, detection of any suspicious and unusual activity and information about parties connected to you or these activities.
• Information relating to your activities, habits, preferences and interests arising from your use of products and services of ULiving LTD, our partners or vendors.
• Other information about you and individuals connected to your business that you have provided to us.
• Other electronic data or information relating to you such as IP addresses, cookies, activity logs, online identifiers and location data through your usage of our products and services or as part of their delivery to you.

HOW WE GET THE PERSONAL INFORMATION AND WHY WE HAVE IT

Most of the personal information we process is provided to us directly by you for one of the following reasons:

When you establish a business relationship with us, you are required to complete an account opening application and provide us with your personal information in order for us to on-board you. As part of our KYC and due diligence process, we may also obtain your data from other publicly available sources.

When you visit our website, we may use cookies and other technologies to automatically collect information, such as your IP address, your login information, browser type and version, device identifier, location and time zone setting, browser plug-in types and versions, operating system and platform, page response times, and download errors; and information about your visit, including the websites you visit before and after our website and products you viewed or searched for; and the length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouseovers) and methods used to browse away from the page.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases upon which we are able to rely on for processing your information are:

• Your consent. You are able to remove your consent at any time. You can do this by contacting us at the Contact details set out in Section 1 above.
• We have a contractual obligation.
• We have a legal obligation.
• We have a vital interest.
• We need it to perform a public task.
• We have a legitimate interest.

Below are some reasons we use your personal information and information relating to individuals connected to your business:

• Delivering our products and services to you.
• Carrying out your instructions.
• Managing our relationship with you.
• Preventing or detecting crime including fraud and financial crime.
• Providing security and business continuity.
• Undertaking risk management.
• Undertaking data analytics to better understand your circumstances and preferences so we can make sure we can provide you with the best advice and offer you a tailored service.
• Protecting our legal rights and complying with our legal obligations.
• Complying with laws and regulation that we are subject and sharing with our regulators and other authorities.

HOW WE STORE YOUR PERSONAL INFORMATION

Your information is securely stored. We will keep your personal information and information relating to individuals connected to your business for as long as you are our customer and in line with our data retention policy to enable us to comply with our legal and regulatory requirements or use it where we need to for our legitimate purposes such as dealing with any disputes or concerns that may arise.

YOUR DATA PROTECTION RIGHTS

Under data protection law, you have rights including:

• Your right of access – You have the right to ask us for copies of your personal information.
• Your right to rectification – You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.
• Your right to erasure – You have the right to ask us to erase your personal information in certain circumstances.
• Your right to restriction of processing – You have the right to ask us to restrict the processing of your personal information in certain circumstances.
• Your right to object to processing – You have the the right to object to the processing of your personal information in certain circumstances.
• Your right to data portability – You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact us at the Contact Details set out in Section 1 above if you wish to make a request.

HOW TO COMPLAIN

If you have any concerns about our use of your personal information, you can make a complaint to us at the Contact Details set out in Section 1 above. You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO’s address is:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire SK9 5AF

Helpline number: 0303 123 1113
ICO website: https://www.ico.org.uk

COOKIE POLICY

What Are Cookies

As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored however this may downgrade or ‘break’ certain elements of the site’s functionality.

How We Use Cookies

We use cookies for a variety of reasons detailed below. Unfortunately in most cases there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to this site. It is recommended that you leave on all cookies if you are not sure whether you need them or not in case they are used to provide a service that you use.

Disabling Cookies

You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of the site. Therefore it is recommended that you do not disable cookies. This Cookies Policy was created with the help of the Cookies Policy Generator.

The Cookies We Set

• Account related cookies: If you create an account with us then we will use cookies for the management of the signup process and general administration. These cookies will usually be deleted when you log out however in some cases they may remain afterwards to remember your site preferences when logged out.
• Email newsletters related cookies: This site offers newsletter or email subscription services and cookies may be used to remember if you are already registered and whether to show certain notifications which might only be valid to subscribed/unsubscribed users.
• Forms related cookies: When you submit data through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence.
• Site preferences cookies: In order to provide you with a great experience on this site we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences we need to set cookies so that this information can be called whenever you interact with a page affected by your preferences.

Third Party Cookies

In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

• This site uses Google Analytics which is one of the most widespread and trusted analytics solutions on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content. For more information on Google Analytics cookies, see the official Google Analytics page.

More Information

Hopefully that has clarified things for you and as was previously mentioned if there is something that you aren’t sure whether you need or not it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site.

For more general information on cookies, please read the Cookies Policy article.

However if you are still looking for more information then you can contact us through one of our preferred contact methods:

• Email: info@uliving.com