User Agreement

Universal does not, expressly or by implication, represent, recommend or propose, nor does it intend to represent, recommend or propose that the financial services, offered or referred to on this website, are appropriate to the particular healthcare objectives, financial situation or particular needs of any prospective and/or existing client, or any other person using the website.

Neither the information, nor any view or opinion contained in this website, constitutes, or is intended to constitute, a solicitation, invitation on or offer by Universal to purchase, sell, invest in or disinvest from any financial or healthcare product, or to enter into any financial, healthcare or other similar transaction, or to engage any financial or intermediary services rendered by Universal.