WEBSITE AND APP PRIVACY POLICY

When using this website, the apps and/or communicating electronically with UNIVERSAL GESTIÓ,S.A. through its website www.universalgestio.com, the personal data requested from the User are collected and processed. The data supplied by the User will be added to an automatic file of personal data owned by UNIVERSAL GESTIÓ,S.A., which will be processed for the purpose of providing the services requested by the User. The user authorises the automated processing of the personal data they supply, which is necessary to provide the services agreed, to be governed by this privacy policy.

The personal data collected from registered clients is stored in a database owned by UNIVERSAL GESTIÓ,S.A., which takes measures of a technical, organisational and security nature to guarantee the confidentiality and integrity of information in accordance with the stipulations of the Andorra data protection act, Law 29/2021 of 28th October 2021 (LQPD), as well as EU General Data Protection Regulation 2016/679.

UNIVERSAL GESTIÓ,S.A. through its website, will use the data supplied by the user internally to inform the User of whatever services and publications it might consider of interest to them.

In any case, their data will be processed with a level of protection in accordance with applicable data protection regulations and will not be subject to automated decisions.

UNIVERSAL GESTIÓ,S.A., with registered office for these purposes at C/ Bonaventura Armengol, 10 Edif. Montclar Bloc 2 1a Planta -AD500- ANDORRA LA VELLA (PRINCIPALITY OF ANDORRA), is responsible for processing the personal data provided by users when accessing and using the website and applications.

Legitimacy for processing is the legitimate interest of UNIVERSAL GESTIÓ,S.A. in keeping up its relationship with the User and, if appropriate, their consent. Therefore, UNIVERSAL GESTIÓ,S.A. will connect and keep their data while the relationship continues and, if appropriate, the User does not withdraw the consent they have given to the processing of their data. In any case, when the personal data are no longer necessary for the purpose for which they were collected and until they are permanently erased, they will be kept in locked form.

Any registered user may at any time exercise their right to access, rectify and, if appropriate, erase the personal data they supplied to the website www.universalgestio.com, by writing to UNIVERSAL GESTIÓ,S.A. C/ Bonaventura Armengol, 10 Edif. Montclar Bloc 2 1a Planta – AD500- ANDORRA LA VELLA (PRINCIPAT D’ANDORRA).

This communication may also be sent via email to the address of our data protection delegate: DPD – Berta Faura: protecciodedades@universalgestio.com.

The user undertakes to report any change of modification in the personal data they supplied. Any loss or damage caused to the website or its agents, to UNIVERSAL GESTIÓ, S.A. or to any third party due to giving erroneous, inaccurate or incomplete information will be the sole responsibility of the User.

DISCLAIMER

The OWNER acts with the utmost diligence to ensure that the data and information provided on its website is kept up to date at all times; however, it does not guarantee nor is it responsible for the accuracy or currency of the website’s content and reserves the right to modify such content at any time. The OWNER is also not responsible for information that may be accessed through links included on the website.

The provision of the website service and its services is of indefinite duration.

Notwithstanding the above, UNIVERSAL GESTIÓ, S.A. reserves the right to interrupt, suspend or terminate the provision of the website service or any of the services included in it.

UNIVERSAL GESTIÓ, S.A. does not offer any guarantee and shall not be held liable under any circumstances for any damages of any kind that may arise from:

• A lack of availability, maintenance or effective functioning of the website and/or its services and content.
• In the event that the website and/or its service or content are of no use, inadequate or invalid to meet user’s specific needs, activities or results or expectations.
• The existence of viruses or malicious or harmful software in the content.
• Reception, obtaining, storage, dissemination or transmission by users of the content.
• Any use of the website, its services or content by users that is illicit, negligent, fraudulent or contrary to good faith, generally accepted practice or public order.
• Any illicitness or lack of quality, reliability, usefulness and availability of the services provided by third parties and sites placed at users’ disposal on the website.
• Any breach by third parties of their obligations or commitments with regard to the services provided for users through the website.

Commercial relationships with clients will be governed by the general conditions that may be established by the OWNER in a specific document to that effect, or by the specific agreements reached with clients.

CONDITIONS OF USE

Use of this website implies full agreement with the terms of this legal notice. Any conflicts concerning this website are to be governed exclusively by the laws of the Principality of Andorra. All users of the website, regardless of the territorial jurisdiction from which they access it, agree to abide by and respect these clauses, expressly waiving any other forum that might pertain to them.

All information and documentation available in languages other than Catalan on this website is provided for information purposes only. In the event of any discrepancy between the content of the version in languages other than Catalan and that of the original version in Catalan, the latter will prevail.

INTELLECTUAL AND INDUSTRIAL PROPERTY

All the contents of the Site and the Application, understood by them as being purely indicative, the texts, photographs, images, icons, links, as well as their graphic design and source codes (hereinafter, the “Contents”), are the intellectual property of UNIVERSAL GESTIÓ,S.A. or third parties, without being understood as being transferred to the User any of the exploitation rights recognized by the regulations in force in terms of intellectual property on these, with the exception of those that are strictly necessary for the use of the Site and the Application.

The trademarks, trade names or distinctive signs are the property of UNIVERSAL GESTIÓ,S.A. or third parties, without it being understood that access to the Site and/or the Application confers any right on said trademarks, trade names and/or distinctive signs.

INVESTMENTS

You should always keep in mind that:

• The value of investments and their returns may increase and decrease, which may mean that the initial investment is not recovered.
• Past performance does not imply future performance.
• Foreign exchange charges can cause the value of investments denominated in foreign currencies to rise or fall.
• Whenever you think it suits you, you can ask UNIVERSAL GESTIÓN,S.A. to provide you with detailed information about the current state of your investments
• Stock prices and liquidation values of investment funds published in the media such as press, television, etc. are only informative.
• Volatility is a characteristic of investing in financial assets and, as a result, securities prices can record significant rises but also troughs.
• Investments in different products diversify the risks.