Making the Security of Your Information Our Priority
Keeping   your information secure is one of our most important responsibilities to us. We value your trust and handle your information with care.

At UG-Online, we:

• Limit access to Customer Information to those associates who need to know your information to provide Internet services to you or to maintain and service your website.
• Maintain physical, procedural and electronic safeguards to protect our customer's information.
• Continually acquiring new technology for the protection of your information and upgrading our systems on a regular basis.

What Information We Collect
We may collect "nonpublic personal information" about you or your business from the following sources:

• Information we receive from you on applications, other forms or visits to our Internet web site.
  
• Information about your transactions with our affiliates, others, or us.

"Nonpublic personal information " is information that is not available to the public and that we obtain in connection with providing a product or service to you. For example, nonpublic personal information includes information regarding your payment history, account balance or overdue balances for services and products.

We always limit our collection of information, to that information we believe is necessary to conduct our business properly, so that we can provide you with excellent service and to offer you additional products and services that we believe will be of interest to you.

How We Use the Information We Collect
We will use the information that we collect about you only:

• To provide products and services to you;
  
• To identify any additional products or services that we feel may be of value to you;
  
• To protect your account(s) and guard against any unauthorized access to information; and,
  
• In accordance with the principles in this policy.

Disclosure of Information To Third Parties
We do not sell nonpublic information to anyone and do not disclose nonpublic information about our customers or former customers to anyone, except as permitted by law.   In no circumstance, will we provide customer account information to third parties for marketing purposes.

If you close your account(s) or your relationship becomes inactive with us, we will continue to treat the information we have collected about you in accordance with this Notice.

With Companies that Work with Us to Serve You Better
We may use outside companies to assist us in maintaining and servicing your account(s) and in the day-to-day conduct of our business. In addition, we may enter into joint marketing agreements with other Internet companies to offer you a wider variety of products and services. We may disclose any of the information we collect to companies we hire to provide operational support or supply products, so that we may serve you better. However, when we do so, the company's right to use and redisclose the information we provide is limited by law or contract.

In Other Situations
We do not otherwise disclose information about you without your consent except as required or permitted by law. In other circumstances, as permitted by law, we may share your information with nonaffiliated third parties.

How We Protect the Confidentiality of Information We Collect
We restrict access to nonpublic information about you to those employees who need to know your information to provide products or services to you. Under no circumstances are employees permitted to reveal, or otherwise discuss, customer information with any unauthorized person.   All information that we collect about you will be treated by our employees as confidential.   All employees are bound by a code of ethics and this Privacy Policy, which requires them to adhere to all these principles.

We Make Every Effort to Maintain and Report Accurate Information We Collect
We are committed to maintaining the accuracy of customer information.   If you become aware of any inaccurate information contained in our records, you should contact us at our toll-free number listed below and we will investigate the inaccuracy and correct it as promptly as possible. 

Privacy on Our Web Site
We appreciate that both customers and those just visiting our web site have special concerns about the privacy of their nonpublic information on the Internet. We also want you to know the steps that we have taken to provide you with the safety and security of your information when communicating with us on our web site and the Internet.

Maintaining the Security of Customer Information Provided Online
We are committed to assuring the security of your information exchanged through online communications is secure. We maintain electronic and procedural safeguards that comply with federal standards and establish a "secure " Internet session by encrypting the data you submit to us online.

Protecting Online Applications
When you apply online for services or products offered by our web site, your sensitive information is sent to us using secure socket layer (SSL) technology. This information is only accessible to authorized representatives, as well as companies that work for us, to conduct business for us and offer you services related to your Internet needs.

Protecting Your Internet Experience
UG-Online uses state of the art technology to ensure that your information is kept private and secure when you use the Internet. To support this technology, access to your Internet site can only be done from an Internet browser that supports 40-bit encryption or higher.   UG-Online strongly recommends the use of 128-bit encryption. For additional protection, many of your Internet sessions automatically log off after a specified amount of inactivity.

You can help keep your nonpublic information secure by not sharing your User ID and password with anyone, and by remembering to sign off from the Internet site when you have completed your session.

Firewalls and Activity Logs
Firewalls and activity logs are additional mechanisms that are used to protect your privacy. Firewalls analyze the source and destination addresses and the traffic type to ensure that only authorized users have access to our systems. A Network Administrator also reviews activity logs to see if anything appears out of the ordinary. We look at specific information only to investigate activities that appear suspicious and to protect our systems and your information.

Keeping up-to-date with our Privacy Policy.
UG-Online will provide you with notice of any changes with our privacy policy annually upon request, as long as you maintain an ongoing relationship with us. This policy may change from time to time without notice, but you can always contact us for a copy at 1.800.322.2457.