International Finance Management

These terms and conditions outline the rules and regulations for the use of online services provided by Univerna Ltd on the Website univerna.com.

By accessing this Website, we assume that you accept these terms and conditions. Do not continue to use univerna.com if you do not accept all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person logging in to this Website and compliant to the Company's terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client's needs in respect of provision of the Company's stated services, in accordance with and subject to, prevailing law of England and Wales. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

v Cookies:

We employ the use of cookies. By accessing univerna.com, you permit us to use cookies in agreement with Univerna's Privacy Policy. Most interactive Websites use cookies to retrieve the user's details for each visit. Cookies are used by our Website to enable the functionality of certain areas to make it easier for people, visiting our Website. Some of our affiliate/advertising partners may also use cookies.

v License

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

v You must not:

·         Republish material from univerna.com

·         Sell, rent or sub-license material from univerna.com

·         Reproduce, duplicate or copy material from univerna.com

·         Redistribute content from univerna.com

Parts of this Website may offer an opportunity for users to post and exchange opinions and information in certain areas of the Website. Univerna does not filter, edit, publish or review these Comments prior to their presence on the Website. Comments do not reflect the views and opinions of Univerna, its agents and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, Univerna shall not be liable for the Comments nor for any damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this Website.

Univerna reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.

v You warrant and represent that:

·         You are entitled to post Comments on our Website and have all necessary licenses and consents to do so;

·         Your Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;

·         Your Comments do not contain any defamatory, libellous, offensive, indecent or otherwise unlawful material which is an invasion of privacy

·         Your Comments will not be used to solicit, promote business, custom, present commercial activities or unlawful active

You hereby grant Univerna a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

v Hyperlinking to our Content:

The following organizations may link to our Website without prior written approval:

·         Government agencies;

·         Search engines;

·         News organizations;

·         Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and

·         System wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party's site.

We may consider and approve other link requests from the following types of organizations:

·         commonly-known consumer and/or business information sources;

·         dot.com community sites;

·         associations or other groups representing charities;

·         online directory distributors;

·         internet portals;

·         accounting, law and consulting firms; and

·         educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavourable to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Company Name; and (d) the link is in the context of general resource information.

hese organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party's site.

Approved organizations may hyperlink to our Website as follows:

·         By use of our corporate name; or

·         By use of the uniform resource locator being linked to; or

·         By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party's site.

No use of Company Name's logo or other artwork will be allowed for linking absent a trademark license agreement.

v iFrames:

Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

v Content Liability:

We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is arising on your Website. No link(s) should appear on any Website that may be interpreted as libellous, obscene, criminal, which infringes, otherwise violates, advocates the infringement or other violation of any third party rights.

v Reservation of Rights:

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and it's linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

v Removal of links from our Website:

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links but we are not obligated to do so or to respond to you directly.

We do not guarantee that the information on this Website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the Website remains available or that the material on the Website is kept up to date.

v Disclaimer:

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our Website and the use of this Website. Nothing in this disclaimer will:

·         limit or exclude our or your liability for death or personal injury;

·         limit or exclude our or your liability for fraud or fraudulent misrepresentation;

·         limit any of our or your liabilities in any way that is not permitted under applicable law; or

·         exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the information and services on the Website are provided free of charge, we will not be liable for any loss or damage of any nature.

vOur Commitment to Your Privacy:

At Univerna we are committed to protecting the privacy of our potential and existing customers and partners. The Univerna privacy policy (the “Privacy Policy”) applies to all Personal Data (as defined below) processed by us, including Personal Data collected or submitted through our website, our official social media pages or through other channels online and offline as further described below. If you cannot, or will not, provide us with the personal information we reasonably require, we may be unable to provide you with the information, goods or services you have requested.

This privacy policy will inform you as to how we look after your personal data when you visit our website or contact us otherwise (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.

vWhat data do we collect?

Univerna collects Personal Data or pieces of information that could allow you to be identified, such as:

·         Name, contact and address details (e.g. postal and email address, telephone number)

·         Birth date, gender, nationality, marital status, ID and passport details, picture

·         Account information (e.g. user name, profile picture, or social media account ID, user name, password, IP address, browser and device data, information collected through cookies, pixel tags and other technologies, server log file data, application usage data and location data etc.)

·         Preferences (e.g. institutions, educational courses, accommodation)

·         Your educational background

·         Any other information that might be required from time to time by our service partners we are cooperating with in order to provide you with dedicated services such as insurance, accommodation, flight, travel, communications, banks, immigration office etc.

At the moment we do not collect, store your credit card information or other sensitive financial data such as your bank account details. Each time you make an online payment at Univerna, your credit card information gets transferred directly to our service providers, our partners or their service providers, who are eligible and authorized to securely handle such sensitive information according to international standards and regulations.  

vSensitive Data:

We do not generally seek to collect any sensitive Personal Data for our purposes. Sensitive Personal Data is data related to racial or ethnic origin, political opinions, religious or philosophical beliefs, health or medical condition, criminal background or trade union membership. In certain situations, this might however be necessary (for example in order to provide you with the services and products you have ordered and in relation to services to our partners or to comply with applicable laws).  

vHow do we collect your data?

You directly provide Univerna with most of the data that we collect during the process of using our services, either by providing the information directly to us or by acting in a manner that provides us with the information.

For example:

·         We collect Personal Data from you when you search for different services on our web site, contact us by email, chat, text, phone, social media, subscribe to our newsletter, register as a user, provide data through the online application process for our service via email or offline, via our customer service, enroll in a service or product.

·         We collect your Personal Data when you voluntarily complete a customer survey or provide feedback on any of our message boards or via email.

·         We collect your Personal Data through cookies. Cookies allow a web server to transfer data to a computer or device for record keeping and other purposes. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to decline the use of cookies. For detailed information about the cookies we use and the purposes for which we use them, please see our cookie policy below.

We may also receive your data indirectly from our corporate affiliates, business partners, assistance providers or claim handlers.

We may receive Personal Data from other parties in conjunction with your course/program, accommodation, travel, including but not limited to:

·         Business partners, such as local sales agents that promote the sales of our services in your country of residence.

·         Claims handlers who receive information about your insurance claims in case of an insurance situation.

·         Other sources such as public databases; joint marketing partners such as marketing agencies or providers of software and services for digital marketing automation and analytics; social media platforms, including but not limited to; Facebook, Instagram, Snapchat, Musically, LinkedIn, Twitter, YouTube and messenger services such as WhatsApp or Facebook Messenger.

vHow will we use your data?

Univerna collects your data so that we can process and follow up your application and other ordered services as well as to manage your account.

We will retain your service history and usage details of the services you have previously purchased to make suggestions to you for other services and products which we or our partners believe you might also be interested in.

Once you apply through our site, you agree that we will share your data with our partner companies (such as educational institutions, travel service providers, accommodation providers, insurance companies etc.) in order to offer you their dedicated services or products and provide the services you have purchased.

When Univerna processes your application service order, it may send your data to, and also use the resulting information from credit reference agencies to prevent fraudulent purchases.
Please note that any information that you provide to our partner companies is governed by the applicable third party’s privacy policy, and not by this Privacy Policy. We have no control over, and shall not be held responsible for any third party’s use of information that you provide through the use of this functionality.  

vHow do we store your data?

Univerna securely stores your data, using appropriate organizational, technical and administrative measures to keep the Personal Data under our control, accurate and up-to-date, as well as to protect the Personal Data against unauthorized or unlawful processing and the accidental loss, destruction or damage of the Personal Data.
We will only keep your Personal Data for as long as it is necessary for the purposes for which it has been collected or in accordance with time limits stipulated by law and market practice, unless further retention is necessary for compliance with a legal obligation or for the establishment, exercise or defence of legal claims or unless a specific time period has been communicated. We will keep limited parts of your Personal Data which are necessary for marketing purposes until you withdraw your consent, but in no event for longer than 10 years after your last completed service or delivery of product.

vLegal justification for processing your data:

We base our right to collect and use your Personal Data on the need to do so in order to provide you with the services or products that you have ordered or might be interested to order from us, or when there is a legitimate interest for us (i.e. the service provider) to use your Personal Data, such as for the marketing of services or products similar to the one(s) you have already purchased from that same legal entity.

vMarketing

Univerna would like to send you information about services and products of ours that we think you might be interested in, as well as those of our partner companies. If you have agreed to receive marketing, you may always opt out at a later date.  

vHow to unsubscribe?

If at any time you wish to stop receiving marketing or other communications from us, you can use the unsubscribe link in the mail you received earlier or let us know by using the “Contact Us” section. In your request, please indicate that you wish to stop receiving marketing emails from us.

Please note that changes may not be effective immediately. We will endeavour to comply with your request(s) as soon as reasonably practicable.  

vWhat are your data protection rights?

Univerna would like to make sure that you are fully aware of all your data protection rights. Every user is entitled to the following:

·         The right to access – You have the right to request copies of your personal data from Univerna. We may charge you a reasonable fee for this service.

·         The right to rectification – You have the right to request that Univerna corrects any information you believe is inaccurate. You also have the right to request Univerna to complete the information you believe is incomplete.

·         The right to erasure – You have the right to request that Univerna erases your personal data, under certain conditions.

·         The right to restrict processing – You have the right to request that Univerna restricts the processing of your personal data, under certain conditions.

·         The right to object to processing – You have the right to object to Univerna’s processing of your personal data, under certain conditions.

·         The right to data portability – You have the right to request that Univerna transfers the data that it has collected to another organization, or directly to you, under certain conditions.

vCookies:

Cookies are text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our websites, we may collect information from you automatically through cookies or similar technology.

vHow do we use cookies?

At the moment our Company uses cookies (if any) that are indispensable in order to assure proper functioning of our web site and the services we provide online. In the future we may apply cookies in a range of ways to improve your experience on our website, including:
       

·         Keeping you signed in, recognize you on our website and remember your previously selected preferences as well as to understand how you use our website such as your language and program preferences, your location etc. A mix of first-party and third-party cookies may be used.
       

·         Collect information about your visit to our website, the content you viewed, the links you followed and information about your browser, device, and your IP address. Our Company may sometimes share some limited aspects of this data with third parties for advertising purposes. We may also share online data collected through cookies with  our advertising partners. This means that when you visit another website, you may be shown advertising based on your browsing patterns on our website.  

vHow to manage cookies:

You can set your browser not to accept cookies. And you can also use browser functionality to remove cookies from your browser. However, we shall introduce a cookie selector in the future when we decide to use cookies that are not strictly necessary for the proper functioning of our web site.  

vPrivacy policies of other websites:

Our website contains links to other websites. Our privacy policy applies only to our website, so if you click on a link to another website, you should read their privacy policy.

vChanges to our privacy policy:

Our Privacy Policy may change from time to time. We will not significantly reduce your rights under this Privacy Policy without informing you. We will post any Privacy Policy changes on this page and, prior to implementing such changes, we will provide a more prominent notice. Where required by law, we will seek your prior consent to any change. This privacy policy was last updated on 3/Dec/2020.

vHow to contact us:

If you have any questions about Univerna’s privacy policy, the data we hold on you, or would like to exercise one of your data protection rights, please do not hesitate to contact us using our contact form on our web site.  

vHow to contact the appropriate authority:

If you have complaints about our handling of your Personal Data, you have the right to contact the supervisory authority in the country where you live.