Terms and Conditions

Last Updated: January 21, 2026

Welcome to Union Royal Bank Commercial Bank. These terms and conditions outline the rules and regulations for the use of Union Royal Bank Commercial Bank's Website, located at unionroyale.ultimawealthseries.com.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use Union Royal Bank Commercial Bank if you do not agree to take all of the terms and conditions stated on this page.

Eligibility

You represent and warrant that you are at least 18 years of age or visiting or using the Site with the permission, supervision, and guidance of a parent or guardian. By using our services, you represent and warrant that you have the right, authority, and capacity to enter into these Terms and to abide by all of the terms and conditions set forth herein.

Intellectual Property

Unless otherwise stated, Union Royal Bank Commercial Bank and/or its licensors own the intellectual property rights for all material on Union Royal Bank Commercial Bank. All intellectual property rights are reserved. You may access this from Union Royal Bank Commercial Bank for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

Republish material from Union Royal Bank Commercial Bank
Sell, rent, or sub-license material from Union Royal Bank Commercial Bank
Reproduce, duplicate or copy material from Union Royal Bank Commercial Bank
Redistribute content from Union Royal Bank Commercial Bank

User Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

Prohibited Activities

As a condition of your use of the Site, you warrant to us that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner that could damage, disable, overburden, or impair any Union Royal Bank Commercial Bank server, or the network(s) connected to any Union Royal Bank Commercial Bank server.

You may not use the Site to transmit any worms or viruses or any code of a destructive nature. You may not attempt to gain unauthorized access to the Site, other accounts, computer systems or networks connected to the Site through hacking, password mining or any other means.

Accuracy of Materials

The materials appearing on Union Royal Bank Commercial Bank's website could include technical, typographical, or photographic errors. Union Royal Bank Commercial Bank does not warrant that any of the materials on its website are accurate, complete, or current. Union Royal Bank Commercial Bank may make changes to the materials contained on its website at any time without notice. However, Union Royal Bank Commercial Bank does not make any commitment to update the materials.

Links

Union Royal Bank Commercial Bank has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The presence of any link does not imply endorsement by Union Royal Bank Commercial Bank of the site. Use of any such linked website is at your own risk.

Site Services

The information provided through our services does not constitute investment advice, financial advice, trading advice, or any other sort of advice and you should consult your own advisors before engaging in any financial activities. We do not recommend that any securities, portfolios, or investments described in the materials provided through our services are suitable for any particular investor.

Any reference to past or projected/potential/future performance of investments, securities, markets, or the economy does not guarantee the future performance of any of these investments, securities, markets, or the economy.

Termination and Account Cancellation

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.

Limitation of Liability

In no event shall Union Royal Bank Commercial Bank, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

Union Royal Bank Commercial Bank's aggregate liability to you for all claims arising from or relating to the Service shall not exceed the greater of fifty dollars ($50) or the amount you paid Union Royal Bank Commercial Bank in the past twelve (12) months for the Service giving rise to the claim.

Indemnification

You agree to defend, indemnify and hold harmless Union Royal Bank Commercial Bank and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), arising from: (i) your use of and access to the Service; (ii) your violation of any term of these Terms; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that your User Content caused damage to a third party.

Electronic Communications

When you use the Site, or send e-mails, text messages, and other communications from your desktop or mobile device to us, you are communicating with us electronically. You consent to receive communications from us electronically, such as e-mails, texts, mobile push notifications, or notices posted on the Site. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Security

We are committed to maintaining the security of your personal information. We use various security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security.

Dispute Resolution

Any dispute, controversy, or claim arising out of, relating to, or in connection with these Terms, their existence, validity, interpretation, performance, breach, or termination shall be settled by binding arbitration administered by JAMS, Inc. in accordance with its Streamlined Arbitration Rules and Procedures. The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of these Terms, including any claim that all or any part of these Terms are void or voidable.

Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of [State], without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

Contact Us

If you have any questions about these Terms and Conditions, please contact us:

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

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.