Privacy Policy

Last Updated: January 21, 2026

Union Royal Bank Commercial Bank ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://unionroyale.ultimawealthseries.com and use our services. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

Information We Collect

We may collect information about you in a variety of ways. The information we may collect includes:

Personal Data

Personally identifiable information, such as your name, address, email address, telephone number, and other demographic information, that you voluntarily give to us when choosing to participate in various activities related to the Site, such as account registration, subscribing to news letters, filling out a form or making a purchase, or directly from third parties. You are under no obligation to provide us with personal information of any kind, however your refusal to do so may prevent you from accessing certain features of the Site.

Derivative Data

Information our servers automatically collect when you access the Site, such as your IP address, your browser type, your operating system, your access times, and the pages you have viewed directly before and after accessing the Site. If you are using our mobile application, this information may also include your device name and type, your phone number, your country and city location, and other interactions with the application.

Financial Data

Financial information, such as data related to your payment method (e.g. valid credit card number, card brand, expiration date) that we may collect when you purchase, order, return, exchange, or request information about our services from the Site. We store only very limited, if any, financial information that we collect. Otherwise, all financial information is stored by our payment processor(s), and you are encouraged to review their privacy policy and contact them directly for responses to your questions.

Data From Social Networks

User information from social networking sites, such as [Facebook, Instagram, Twitter], including your name, your social network username, location, gender, birth date, email address, profile picture, and public data for contacts, if you connect your account to such social networks. This occurs each time you log in to your social network, use social plugins (such as the Facebook "Like" button), or participate in, or otherwise engage with, our Site or marketing campaigns.

Mobile Device Data

Device data, such as your mobile device ID, model and manufacturer, mobile web browser information, and other device identifiers, if you access the Site through a mobile device.

Third-Party Data

Information from third parties, such as personal information or network friends, if you connect your account to the third party's social network account.

Use of Your Information

We use the information we collect or receive:

To facilitate account creation and authenticate users so they can log into their account.
To provide, operate, and maintain our services.
To improve, personalize, and expand our services.
To understand and analyze how you use our services.
To develop new products, services, features, and functionality.
To process your transactions and send you related information, including purchase confirmations and invoices.
To send you technical notices, updates, security alerts, and support and administrative messages.
To respond to your comments, questions, and/or provide customer service.
To send you marketing and promotional materials.
To communicate with you about products, services, offers, promotions, rewards, and events offered by us and other members of our corporate family.
To monitor and analyze trends, usage, and activities in connection with our services.
To detect, investigate, and prevent fraudulent transactions and other illegal activities.
To personalize your experience on our services and deliver content and product offerings relevant to your interests.
To evaluate and improve our services, marketing, and your experience.
To comply with our legal obligations.

Disclosure of Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

By Law or to Protect Rights

If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our Terms of Service or this Privacy Policy, or to protect the rights, property, and safety of us or others, we may share your information as permitted or required by any applicable law, rule, or regulation. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.

Third-Party Service Providers

We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and auditing services.

Sales or Bankruptcy

If we are involved in a merger, acquisition, reorganization, bankruptcy, or other sale of assets, your information may be sold or transferred as part of that transaction. The promises in this Privacy Policy will apply to your information as transferred to the new entity.

Affiliates

We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy.

Business Partners

We may share your information with our business partners to offer you certain products, services or promotions.

Other Third Parties

We may share your information with advertisers and other third parties for marketing, advertising, or other purposes.

Tracking Technologies

Cookies and Web Beacons

We may use cookies, web beacons, tracking pixels, and other tracking technologies on the Site to help customize the Site and improve your experience. When you access the Site, your personal information is not downloaded to your computer. We may use "cookies" to help you personalize your online experience. A cookie is a data file that is written to your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

We may use cookies to collect, store, and track information for security and personalization, to operate our services, and for analytical and research purposes. Our cookies may remain on your computer or mobile device after you disconnect from our Site. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. To learn more about how to maintain your privacy when using third-party ad networks, see http://www.aboutads.info/choices/.

Internet-Based Advertising

Additionally, we may use third-party ad networks to serve advertisements on the Site. These third parties may use cookies and similar tracking technologies to collect information about your use of the Site and other websites, including your IP address, web browser, pages viewed, time spent on pages, links clicked, and conversion information. This information may be used by us and third parties to, among other things, analyze and track data, determine the popularity of certain content, calculate compensation owed to third parties, and deliver advertisements that may be of interest to you.

Data Security

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Children's Privacy

Our services are not intended for children under the age of 13. If you are under 13 years of age, please do not submit any personal information through our services. We do not knowingly collect, use, or sell personal information of children under 13 years of age. If we become aware that we have unknowingly collected personal information from a child under 13, we will delete such information from our files.

Your Rights

Depending on your location, you may have certain rights regarding your personal information:

Access: You may request access to your personal information that we hold.
Correction: You may request that we correct inaccurate or incomplete personal information.
Deletion: You may request that we delete your personal information.
Restriction: You may request that we restrict the processing of your personal information.
Portability: You may request a copy of your personal information in a commonly used electronic format.
Objection: You may object to the processing of your personal information.
Withdrawal of Consent: You may withdraw consent where we rely on consent to process your personal information.

To exercise these rights, please contact us using the contact information provided below. We may require specific information from you to help us verify your identity and process your request.

California Privacy Rights

California Civil Code Section 1798.83 permits our customers who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using the information provided below.

Under California's Shine the Light law, California residents with whom we have an established business relationship have the right to request information about the categories of personal information we share with third parties and the identities of those third parties for their direct marketing purposes.

Contact Us

If you have questions or comments about this Privacy Policy, please contact us:

Union Royal Bank Commercial Bank
Attn: Privacy Officer
73 Glandovey Terrace, Trethurgy, PL26 6YU, United Kingdom.
Email: [email protected]

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last Updated" date and the updated version will be effective as soon as it is accessible. You are responsible for reviewing this Privacy Policy to stay informed of updates. Your continued use of the Site after the Privacy Policy is amended constitutes acceptance of the amended Privacy Policy.

This privacy policy was created using Termly's Privacy Policy Generator.

To qualify for a LifeGreen Savings Account, you must have a Union Royal Bank checking account. The minimum opening deposit amount for a Union Royal Bank checking account is $50. The minimum opening deposit amount for opening a LifeGreen Savings Account is $50 (or $5 if you set up a monthly automatic savings transfer from a Union Royal Bank checking account). An automatic transfer of funds of at least $10 from your Union Royal Bank checking account to your LifeGreen Savings account in at least 10 of any of the 12 calendar months that precede the month of your account opening anniversary (your “Account Anniversary Month”) is required to earn a 1% annual savings bonus. The annual savings bonus is based on the average monthly balance for the 12 calendar months that precede your Account Anniversary Month. The annual savings bonus will be paid to your LifeGreen Savings account by the second business day of the month following your Account Anniversary Month. To receive the annual savings bonus, your LifeGreen Savings account must be open on the date the annual savings bonus is paid. Maximum annual savings bonus of $100. You are responsible for any tax due on any amount received under this offer. Fees could reduce earnings on the account. The Annual Percentage Yield (APY) for the LifeGreen Savings account and the LifeGreen Preferred Checking (other Union Royal Bank checking accounts do not pay interest) account is based upon balance and may change at any time. Check the current interest rates and APYs for LifeGreen Savings and LifeGreen Preferred Checking. Union Royal Bank Commercial Bank reserves the right to change the terms of or terminate this bonus program and prorate the amount of any bonus payment at any time in its sole and absolute discretion.
Services are provided by Self Financial, Inc. Enrollment (including eligibility requirements) is subject to Self's terms and conditions. Union Royal Bank Commercial Bank does not provide these services and makes no representations or warranties about them. Individual results vary. You may not receive an improved credit score. Other factors, including activity with other creditors, may impact results. Many lenders, including most auto and mortgage lenders, do not use scores impacted by rent, cell and utility payments. Not all bill payments may be eligible. Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion.
LockIt® controls will not block all transactions on your card. They will not block transactions processed when standard authorization systems are not used. They will not block merchant-identified recurring transactions, credits to your account, ATM deposits, ATM Now Card loads, ATM payments (including transfers from your deposit accounts to your credit accounts), ATM check cashing, ATM inquiries or ATM account mini statements. If your credit card provides overdraft protection to your checking account, they will not block overdraft protection advances.