Privacy Policy

Introduction

This Privacy Policy describes how Universal Financial Labs (“Company”, “We”, “Us”, or “Our”) collects, uses, stores, processes, and protects personal information obtained from users, visitors, clients, and subscribers of our website, products, educational services, research services, webinars, and digital platforms operated under the brands UFL Capital Markets and UFL Institute of Capital Markets.

By accessing our website or using our services, you acknowledge and agree to the terms outlined in this Privacy Policy.

Information We Collect

We may collect the following categories of information:

Use of Information

The information collected may be used for the following purposes:

• Providing research and educational services
• Client onboarding and compliance procedures
• Processing subscriptions and payments
• Delivering webinars, mentorships, and educational programs
• Sending research updates, service notifications, and important communications
• Improving website functionality and customer experience
• Internal analysis, compliance, and record maintenance
• Preventing fraud, abuse, or unauthorized access

Data Protection & Security

Universal Financial Labs takes reasonable technical and organizational measures to safeguard personal information against unauthorized access, misuse, alteration, disclosure, or destruction.

While we strive to use commercially acceptable methods to protect user data, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

Sharing of Information

We do not sell, rent, or trade personal information to third parties.

However, information may be shared under the following circumstances:

• With payment gateway providers for transaction processing
• With technology or service providers assisting in website operations
• With regulatory authorities or government agencies where required by law
• For compliance with legal obligations, SEBI regulations, or lawful requests

All third-party service providers are expected to maintain confidentiality and data protection standards.

Cookies & Tracking Technologies

Our website may use cookies and similar tracking technologies to improve user experience, analyze traffic, and optimize platform performance.

Users may choose to disable cookies through browser settings; however, some features of the website may not function properly as a result.

Educational & Research Services

Information shared during educational programs, webinars, workshops, mentorship sessions, research discussions, or advisory interactions shall be treated with reasonable confidentiality.

However, users understand that:

• Educational services are non-refundable as per company policy
• Research and educational content are intended solely for informational and educational purposes
• Universal Financial Labs does not guarantee profits, returns, or trading success

Regulatory & Compliance Requirements

As a SEBI Registered Research Analyst entity, Universal Financial Labs may retain certain client records, communication logs, payment details, or compliance documents in accordance with applicable SEBI regulations, circulars, and legal obligations.

User Rights

Users may request:

• Access to personal information
• Correction of inaccurate information
• Deletion of information where legally permissible
• Withdrawal from marketing communications

Requests may be submitted through our official support email.

Children’s Privacy

Our services are not intended for individuals below 18 years of age.

We do not knowingly collect personal information from minors without appropriate legal consent.

Changes to Privacy Policy

Universal Financial Labs reserves the right to update, modify, or revise this Privacy Policy at any time without prior notice.

Users are encouraged to review this page periodically for updates. Continued use of our website or services after modifications constitutes acceptance of the revised policy.

Contact Information

For any questions, concerns, compliance matters, or privacy-related requests, users may contact:

Regulatory Information

Entity Name: Universal Financial Labs

SEBI Registered Research Analyst

Registration No.: INH000026761