TERMS AND CONDITIONS

These Terms of Service govern your use of the website located at https://universell.us/, https://universal.mybmr.com and any related services provided by Universell.

By accessing https://universell.us/ and https://universal.mybmr.com you agree to abide by these Terms of Service and to comply with all applicable laws and regulations. If you do not agree with these Terms of Service, you are prohibited from using or accessing the websites or using any other services provided by Universell.

We, Universell, reserve the right to review and amend any of these Terms of Service at our sole discretion. Upon doing so, we will update this page. Any changes to these Terms of Service will take effect immediately from the date of publication.

These Terms of Service were last updated on August 16, 2022. test

Limitations of Use

By using the websites, you warrant on behalf of yourself, your users, and other parties you represent that you will not:

modify, copy, prepare derivative works of, decompile, or reverse engineer any materials and software contained on the websites;
remove any copyright or other proprietary notations from any materials and software on the websites;
transfer the materials to another person or “mirror” the materials on any other server;
knowingly or negligently use the websites or any of its associated services in a way that abuses or disrupts our networks or any other service Universell provides;
use the websites or its associated services to transmit or publish any harassing, indecent, obscene, fraudulent, or unlawful material;
use the websites or its associated services in violation of any applicable laws or regulations;
use the websites in conjunction with sending unauthorized advertising or spam;
harvest, collect, or gather user data without the user’s consent; or
use the websites or its associated services in such a way that may infringe the privacy, intellectual property rights, or other rights of third parties.

Intellectual Property

The intellectual property in the materials contained in the websites are owned by or licensed to Universell and are protected by applicable copyright and trademark law. We grant our users permission to download one copy of the materials for personal, non-commercial transitory use.

This constitutes the grant of a license, not a transfer of title. This license shall automatically terminate if you violate any of these restrictions or the Terms of Service, and may be terminated by Universell at any time.

Liability

Our websites and the materials on our websites are provided on an 'as is' basis. To the extent permitted by law, Universell makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property, or other violation of rights.

In no event shall Universell or its suppliers be liable for any consequential loss suffered or incurred by you or any third party arising from the use or inability to use the websites or the materials on the websites, even if Universell or an authorized representative has been notified, orally or in writing, of the possibility of such damage.

In the context of this agreement, “consequential loss” includes any consequential loss, indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity, or otherwise.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Accuracy of Materials

The materials appearing on our websites are not comprehensive and are for general information purposes only. Universell does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on the websites, or otherwise relating to such materials or on any resources linked to the websites.

Links

Universell has not reviewed all of the sites linked to its websites and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement, approval, or control by Universell of the site. Use of any such linked site is at your own risk and we strongly advise you make your own investigations with respect to the suitability of those sites.

Right to Terminate

We may suspend or terminate your right to use our websites and terminate these Terms of Service immediately upon written notice to you for any breach of these Terms of Service.

Severance

Any term of these Terms of Service which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity of the remainder of these Terms of Service is not affected.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Florida, USA. You irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

PRIVACY POLICY

DATE: August 16, 2022

MyBMR Privacy Policy describes MyBMR's general practice regarding privacy pertaining to customer's use of MyBMR's website, applications and software, “software”; the rights available to individual users, "users", regarding the personal data,”PD” they provide us. Personal Data,”PD” provided by individuals using our applications, website and software is known as identifiable data. MyBMR may update this Privacy Policy from time to time as needed.

User may request a copy of the data provided by user to MyBMR at any time by contacting us via email: [email protected]

Please provide the following information:

Name of MyBMR’s websites, applications and/or software used:

The name of the Service provider, such as Merchant, ISO office name or other entity name through which you have interacted with a MyBMR websites, applications and/or software (provide best description):

Country where you are based:

First Name:

Last Name:

Email address:

Below, we will address privacy requirements separately as they pertain to the Country and state of residence;

California Residents

As defined in the California Consumer Privacy Act of 2018, or “CCPA”, this notice will provide description as to how MyBMR collects, uses and shares personal information. You will also be able to review your rights by researching “California Consumer Privacy Act of 2018, or CCPA”. You can always request a copy of the personal information that MyBMR maintains about you as well as the deletion of such information. MyBMR will always make its best effort to expediently respond to any such request. MyBMR will provide all users a similar user experience weather they have asked us to delete their personal information or not. However, according to the CCPA, MyBMR may charge a different price if the deletion of the personal information requires MyBMR to create an alternative user experience or quality of service to cater to such scenarios where personal information is not available. Should you have any specific request regarding information used by Mybmr please contact us via email:

[email protected]

Please provide the following information

Name of MyBMR’s websites, applications and/or software used:

Country where you are based:

First Name:

Last Name:

Email address:

If you have assigned a third party, “authorized agent”, to place the request on your behalf, then we will require written authorization provided by you, prior to responding to any request about your personal information. If you are the parent of a child and you are requesting to have their personal information removed we will need information validating the same included in the request as well as a note specifying that you are requesting the information of your child under 13 years of age to be removed or edited.

NOTE: Once the information is received by MyBMR it will be investigated and responded to in a timely manner, our response may entail reaching out to you by phone, email, text or mail to confirm your request and your identity, interaction with any of the MyBMR’s websites, applications and/or software.

You may inquire as to how MyBMR has collected and used your personal information during the past twelve months. In general, you may inquire as to the sources, categories of sources, categories of personal information, the process of collecting, the commercial purpose for collecting or sharing your personal information, information sold to other entities and if it was sold (MyBMR does not sell personal information to other entities), which entities MyBMR shares your personal information with, the purpose they shared the information with the entity and the category of information provided. Additional inquiries may be made by you as noted in the “California Consumer Privacy Act of 2018, or CCPA”

1. The personal data,”PD” we collect

MyBMR collects personal information about individuals from the individual’s own input of data into our website, applications and/or software from information provided by any of our referring customers, third party resellers, users, ISOs, integrated POS systems, Independent Service Providers, vendors, merchants, merchant’s employees. When a user interacts with any of our website, applications and/or software products MyBMR will collect information about the interactions, the user, the employee that entered your information, the system used, the browser and device used to interact, the geographical location of the interaction, date and time, IP, information about the products sold and the third party provider. When applicable, MyBMR may also collect personal information entered such as the name of client, phone number, email, address, country of origin, marital status, gender social media information provided, point balance for rewards and loyalty programs, gift card balance, interests, date of birth, feedback, reviews, referrals, preferences, shopping trends, response to marketing, opt out requests, opt-in requests surveys, security questions and validations, government-issued identification numbers such as national identification number, a Social Security Number, tax identification number, driver’s license or other government identification such as passport number, state or local identification number.

If applicable, MyBMR will indicate whether and why individuals must provide us with personal data ,”PD” as well as the consequences of failing to do so.

Through the use of MyBMR’s websites, applications and/or software MyBMR will collect and allow merchants to collect information about their customers. Whereby, MyBMR will provide tools for merchants to market their products operate their business and offer promotional programs to customers.

Merchant may provide MyBMR with information about their business, ownership, business customers such as customer name, phone number, email, address, social media information and other personally identifiable information needed to utilize the specific application used. In addition, merchants may provide personally identifiable information about their employee or require their employees to use one of our applications. Whereby employees will enter their name, title, phone number, email, address, social media credentials, government issued ID and other personally identifiable information as needed.

The personal information that you provide directly or indirectly to MyBMR will be used in the following ways:

Business purposes and communication: To provide services or information you requested, to communicate with you for business or customer service reasons, or for other such reasons such as changes to our policies or in response to your inquiry
To facilitate payment for services or provide refunds
To comply with legal, regulatory, or fiscal obligations, or in connection with litigation or an internal investigation or audit
To personalize your advertising experience when visiting our sites, and to manage details about your accounts when security updates are available, or when an action is required to keep the account active
To perform data analyses and other processing for marketing purposes
To offer opportunities to participate in surveys and provide feedback to us
To respond to and comply with outside requests initiated by you, as well as in response to legal requests
To evaluate internal controls and audits for compliance
To provide customer, business owners and their employees the ability to interact with our software in a functional and beneficial way.
Facilitate the functionality to market, announce, and promote information and products to customers, employees by the business that they are interacting with.
Market, announce, and promote information, products, software to users and potential users of MyBMR’s software.
Comply with legal requirement where applicable
Protect our software from being used for illegal purposes, being copied, dismantled, hacked or altered in any way practically or for uses which it is not intended for.
Providing support, assistance, help to anyone interacting with MyBMR’s software.
Maintain the highest standard in operational management
Retain information above user’s interaction, session history, device used in order to provide the best user experience.
Complete transaction needed to maximize the use of the software provided by MyBMR
Based on the customer’s interaction, evaluate improvements needed in MyBMR’s application to improve functionality.
Communicate with customer’s via email, SMS, chat and mail
Promote products and services offered
Provide reporting, historical data, statistic to you and the companies using MyBMR’s software
Verifying the user information utilizing MyBMR’s software.
Interacting with you and business owners, employees suing our software.

Data Retention:

Your personal information will be retained only for so long as reasonably necessary for the purposes set out above, considering criteria such as applicable rules on statute of limitations, legal requirements and the duration of your use of MyBMR’s websites, applications and/or software and receipt of our Services. MyBMR takes the privacy of personal information seriously and limits access to data to specific personal on a need to know basis, with limited access. All personal are vetted and required to complete non-disclosure agreements prior to accessing any data.

International Transfers of Personal Data

The nature of MyBMR’s business means that the Personal Data ,”PD” collected through our websites, applications and/or software will be transferred to the United States. Also, the MyBMR’s personnel and some of the third-parties to whom we disclose Personal Data ,”PD” may be located in the United States and other countries outside of the European Union or Switzerland, including in countries which may not provide the same level of data protection as your home country. We take appropriate steps to ensure that recipients of your Personal Data ,”PD” are bound to duties of confidentiality and we implement measures such as standard data protection contractual clauses to ensure that any transferred Personal Data ,”PD”, remains protected and secure.

Third Party links

MyBMR May provide additional links to resources that may be useful to the user. These links will lead you to sites that are not affiliated with MyBMR and may operate under different privacy practices. MyBMR’ websites, applications and/or software users are responsible for reviewing the privacy policies for those websites. MyBMR, has no control over information that is submitted to these companies.

Controller of Personal Information

To the extent that MyBMR is subject to the laws of the European Union and Switzerland when processing personal data ,”PD” (“Personal Data”), it shall be the “data controller” under such laws. If you have any questions regarding this privacy policy you may contact [email protected] as stated above in this Privacy Policy. Make sure to provide the requested information stated above along with you request.

Please provide the following information

Name of MyBMR’s websites, applications and/or software used:

Country where you are based:

First Name:

Last Name:

Email address:

Legal Basis for Processing Data

We process Data for the purposes set out in this Privacy Policy, as described above. Our legal basis to process Personal Data,”PD” includes processing that is:

necessary for the performance of MybMR’s websites, applications and/or software, to provide you with other services that you request, or for resolving billing or customer service inquiries related to your use of our Services
necessary to comply with legal requirements, accounting rules.
necessary for our legitimate interests such as to manage our relationship with you and to improve the software and our Service. To offer you additional services in line with the interests you have expressed and with our legitimate interests.
to protect the vital interests of you or another person
where legally required and we have no other valid legal basis to process Personal Data ,”PD”, we will use consent by our customers (for Example; to provide you with marketing information or share

information with third parties), which may subsequently be withdrawn at any time (by emailing [email protected]) without affecting the lawfulness of processing based on consent before its withdrawal.

In some instances, you may be required to provide us with Personal Data ,”PD” for processing as described above, in order for us to be able to provide you all of our Services, and for you to use all the features of our websites, applications and/or software. We may also use personal data,”PD” for reasons not describe in this herein. Whereby, the reasons are permissible under the law and compatible for the purpose for which we collected the personal data,”PD”.

Your Rights

As described above in the “Local Laws” section, under data protection laws in the European Union and Switzerland, you have certain rights related to your Personal Data,”PD”.

You may be entitled to exercise the right to:

object to the processing of Personal Data,”PD” (Example; where the basis of our processing is our legitimate interests, see section above “Legal Basis for Processing Data”), and we will stop processing your data. We will not resume processing unless we can establish compelling legitimate grounds that override your rights.
request the restriction of processing of your Personal Data,”PD” (Example; this can be done if the Personal Data ,”PD” is not accurate and needs to be updated). This can also be done in relation to data where the purposes of processing no longer apply, but you still need the data and do not want us to erase it.
request updating of your Personal Data,”PD” (if you believe the information we have about you is not accurate or incomplete). You may ask us to update your Personal Data,”PD” but we cannot modify it for previously completed transactions because that is the official record of the transaction.
Request access to your Personal Data,”PD” (Example; if you wish to receive a copy of your information, confirmation as to whether we are processing your information, and information as to how we use your information), You may request access strictly to your Personal Data,”PD”.
You may request deletion of your Personal Data ,”PD” (Example; if we have no legal basis to process the information and you have not given us your consent to do so, if the purposes of processing no longer apply, or if you have objected to the processing and we cannot establish compelling legitimate grounds to override your rights). Certain data may not be erased if we have a requirement to retain it for legal purposes, (as we need to be able to perform contractual obligations owed to you). You may ask us to delete your Personal Data,”PD”, but we cannot do so if you have a pending transactions under your personal name in our software.
request portability of your own Personal Data,”PD” (the transfer of information you have provided to us, to another controller, in a structured, commonly used and machine-readable format), if such a request is technically possible to complete.

To make such request please email [email protected]

Please provide the following information

Name of MyBMR’s websites, applications and/or software used:

Country where you are based:

First Name:

Last Name:

Email address:

NOTE: Once the information is received by MyBMR it will be investigated and responded in a timely manner, our response may entail reaching out to you by phone, email, text or mail to confirm your request, your identity and interaction with any of the MyBMR websites, applications and/or software.

When we receive a request, we will indicate what additional Personal Data ,”PD” we require from you to validate your identity in addition to the information stated above. We will also provide information on the action we intend to take on the request in accordance with applicable law.

We will respond to your request as soon as possible and no later than 30 days from receipt of the request. In certain circumstances this time may be extended by an additional two months if such requests are complex or onerous.

Changes to this Privacy Notice

MyBMR may modify its Privacy Policy at any time by posting the updated policy showing the latest date of update of the policy on our websites, applications and/or software together with the newly updated policy or via email. In any case, continued use of MyBMR’s websites, applications and/or software indicates your acceptance of the Privacy policy and updates to it.

EMAIL POLICY

SMS POLICY

AI TERMS & USE POLICY

Universell AI Terms & Use Policy

Last Updated: August 18, 2026

This AI Terms & Use Policy (“AI Policy”) governs your access to and use of artificial intelligence and machine-learning features made available by Universell (“Universell,” “we,” “us,” or “our”), including AI-powered tools, assistants, content-generation features, recommendations, automations, and other AI-enabled functionality made available through the Universell platform, website, applications, and related services (collectively, the “AI Services”).

By accessing or using any Universell AI Service, you acknowledge that you have read, understood, and agree to this AI Policy. If you do not agree with this AI Policy, you should not use the applicable AI Services.

This AI Policy supplements Universell’s Terms of Service, Privacy Policy, Acceptable Use Policy, and other applicable agreements and policies.

1. AI Services

Universell may provide AI-powered functionality to assist users with tasks such as:

Generating or drafting business content, descriptions, agreements, policies, communications, and other materials;
Assisting with business workflows and administrative tasks;
Summarizing, organizing, or analyzing information;
Providing recommendations, suggestions, or responses based on information provided by the user;
Automating certain business processes; and
Providing other AI-enabled functionality that Universell may introduce from time to time.

AI features may change, be enhanced, suspended, or discontinued at any time.

2. AI-Generated Content

AI Services may generate text, recommendations, analyses, suggestions, or other content based on information provided by you or available through the Universell platform.

AI-generated content may contain errors, omissions, inaccuracies, outdated information, or inappropriate conclusions. AI-generated content should therefore be treated as an assistance tool and not as a substitute for professional judgment.

You are solely responsible for reviewing, verifying, editing, and approving any AI-generated content before using, publishing, sending, signing, relying upon, or otherwise acting on that content.

For example, AI-generated contracts, terms and conditions, cancellation policies, service descriptions, marketing materials, business communications, or other legal or commercial documents should be reviewed by an appropriately qualified professional when appropriate.

Universell does not represent or warrant that AI-generated content is accurate, complete, current, suitable for a particular purpose, or legally enforceable.

3. No Professional Advice

Unless expressly stated otherwise, Universell’s AI Services do not provide legal, financial, tax, accounting, medical, employment, insurance, compliance, or other professional advice.

AI-generated information is provided for general informational and business-assistance purposes only.

You should consult an appropriately qualified professional before relying on AI-generated information when the matter involves legal rights, financial decisions, regulatory compliance, contractual obligations, or other matters requiring professional expertise.

4. User Responsibility

You are responsible for the information, instructions, documents, data, and other materials that you submit to or process through the AI Services (“User Inputs”).

You represent and warrant that you have the necessary rights, permissions, and lawful authority to provide User Inputs to Universell and to use them with the AI Services.

You are also responsible for reviewing AI-generated outputs before using them.

You agree not to use the AI Services as a substitute for your own business judgment, verification, or required professional review.

5. Accuracy and Reliability

Artificial intelligence systems are probabilistic technologies and may produce responses that are incorrect, incomplete, misleading, or inconsistent.

Universell does not guarantee:

The accuracy of AI-generated content;
The completeness of AI-generated content;
That AI-generated content will be free from errors;
That AI-generated content will be suitable for your particular business or circumstances;
That AI-generated content will satisfy applicable legal or regulatory requirements;
That the AI Services will produce the same result each time; or
That the AI Services will always be available or uninterrupted.

You should independently verify important information before relying upon it.

6. Data, Privacy, and AI Processing

Universell may use artificial intelligence and machine-learning technologies provided by third-party technology providers, including OpenAI and Anthropic, to provide, operate, maintain, or improve certain AI-powered features and services.

Depending on the specific AI feature being used, information submitted by a user may be transmitted to and processed by the applicable AI technology provider in order to generate a response or perform the requested function.

The information processed may include User Inputs, prompts, documents, text, instructions, or other information submitted by the user through an AI-enabled Universell service.

Universell seeks to implement appropriate contractual, technical, and administrative safeguards with its third-party AI providers. However, users should understand that no internet-based service or technology can be guaranteed to be completely secure.

Universell does not require users to submit sensitive information to an AI Service unless the applicable feature is specifically designed to process such information.

Users should exercise appropriate judgment before submitting confidential, highly sensitive, personal, financial, payment-card, authentication, or other restricted information to an AI Service.

Universell's collection, use, storage, and disclosure of personal information is governed by Universell's Privacy Policy and applicable agreements.

AI Provider Processing

Universell may use the following third-party AI technology providers:

OpenAI — AI models and related technology used to support certain Universell AI features.
Anthropic — AI models and related technology used to support certain Universell AI features.

The particular AI provider used may vary depending on the AI feature, functionality, model, technical requirements, availability, or other operational considerations.

Universell may change, add, or remove AI technology providers as its services evolve.

Information transmitted to a third-party AI provider may be subject to that provider's applicable terms, privacy practices, security measures, and contractual obligations with Universell.

Where applicable, Universell will use commercially reasonable measures to require third-party providers to process information in accordance with the purposes for which Universell has engaged them and applicable contractual requirements.

Universell does not represent that every AI provider will retain, delete, or process information in an identical manner. The applicable processing practices may vary depending on the service and technical configuration.

7. AI Models and Third-Party Technology

Universell's AI Services may rely on third-party AI models and infrastructure, including models and services provided by OpenAI and Anthropic.

AI models are developed and operated by independent third-party companies and may be updated, modified, replaced, restricted, or discontinued without notice to Universell.

Accordingly, Universell cannot guarantee that a particular AI model, provider, or version will remain available or that AI-generated results will remain consistent over time.

Universell may route requests between different AI models or providers based on factors such as functionality, performance, availability, security, cost, capacity, or the requirements of a particular feature.

8. AI-Generated Content and Business Documents

Universell may use AI technology to assist users in creating, drafting, revising, summarizing, or organizing business documents and other content.

Examples may include:

Employment or contractor work descriptions;
Terms and conditions;
Cancellation policies;
Business agreements;
Customer communications;
Marketing content;
Business descriptions;
Internal business documents; and
Other materials supported by Universell's AI Services.

AI-generated documents and content are provided as drafting and productivity assistance only.

Universell does not provide legal advice through its AI Services, and the availability of an AI-generated agreement, policy, clause, or document does not mean that the document is legally sufficient for a particular jurisdiction, business, transaction, or circumstance.

You are responsible for reviewing all AI-generated content before using, signing, publishing, distributing, or relying upon it.

Where appropriate, you should have AI-generated legal or contractual documents reviewed by a qualified attorney or other appropriate professional.

9. User Authorization and Responsibility

By submitting information to an AI-enabled Universell feature, you authorize Universell to process that information as reasonably necessary to provide the requested AI functionality.

You represent that you have the legal right and necessary permissions to submit the information and instruct Universell to process it.

You remain responsible for determining whether information is appropriate to submit to an AI Service and for complying with applicable privacy, confidentiality, contractual, regulatory, and legal obligations.

10. No Guarantee of AI Output

AI-generated output may be incorrect, incomplete, misleading, outdated, or inappropriate.

Universell does not guarantee that AI output:

Is factually accurate;
Is complete;
Is legally sufficient;
Is suitable for a particular purpose;
Complies with applicable law;
Is free of bias or errors;
Is unique;
Will produce a particular business result; or
Will be consistent with previous AI-generated results.

You should independently verify material information before relying upon it.

11. Human Review Requirement

Universell AI Services are intended to assist users and do not replace human decision-making.

You are responsible for reviewing and approving AI-generated output before:

Sending it to another person;
Providing it to a customer;
Incorporating it into a contract;
Signing an agreement;
Publishing it;
Making a business decision based upon it; or
Taking any action that could have legal, financial, contractual, regulatory, or other material consequences.

12. Changes to AI Providers

Universell may change the AI models or third-party providers supporting its AI Services from time to time.

Universell may also introduce additional AI providers or discontinue use of a particular provider.

Where a material change affects the manner in which personal information is processed, Universell may update its Privacy Policy or provide other notice as required by applicable law.

13. Third-Party Provider Terms

The AI Services may depend upon services operated by third parties, including OpenAI and Anthropic.

Your use of Universell's AI Services does not create a separate contractual relationship between you and any third-party AI provider solely because Universell uses that provider to deliver the AI functionality.

Third-party AI providers may have their own terms, policies, and documentation governing their technology.

To the extent required by applicable law or contract, Universell will provide additional information regarding relevant third-party processing practices through its Privacy Policy or other applicable disclosures.

14. Data Retention and AI Training

Universell's handling and retention of information submitted through AI Services is governed by Universell's applicable agreements, Privacy Policy, technical configurations, and contractual arrangements with its AI technology providers.

Universell may configure or use AI services in ways that restrict how submitted information is used by third-party AI providers.

However, because AI processing may involve different models, providers, configurations, and services, users should not assume that information submitted to an AI Service will be subject to identical retention or processing practices across every AI feature.

Universell will not make representations regarding AI training, data retention, or deletion practices beyond those stated in its applicable policies, agreements, or disclosures.

For questions regarding the processing of personal information, users should consult Universell's Privacy Policy or contact Universell directly.