Information We Collect
As described in detail below, we may collect certain identifying information from or about you in connection with your use of, or your submissions to, the System (collectively, the “Collected Information”).
Collected Information includes both Personal Information and information about how you interact with our system, each as described below:
(i) We may collect information that can be used to identify you (“Personal Information”). Personal information that we collect depends on the product or service you have with us or access through us, and may include, without limitation: name, social security number, date of birth, contact information, account holdings and activity, financial account information, financial goals, asset and income information and biometric information.
How We Use Collected Information
United Capital may use the information we collect for various purposes as permitted by applicable law, including, without limitation, to (i) provide the products, Services and System to you; (ii) personalize your experience; (iii) improve the System; (iv) improve our customer service; (v) process transactions; (vi) administer a contest, promotion, survey, or other System feature; (vii) send periodic emails; (viii) notify you about our products and services that may be of interest to you; (ix) improve our products and services, (x) notify you about changes to Site Policies. We may also use the information we collect as otherwise disclosed to you at the point of collection or for any other purposes with your consent.
Use of FlexScore Information
In addition to the uses of Collected Information described above, we may also use information collected when you access or use our FlexScore product, including personally identifiable information that you provide, to inform you about third-party products or services that may be of interest to you.
Cookies and Usage Reports
We may use technologies such as cookies, beacons, tags and scripts on our System. By placing a small file known as a “cookie” on your computer (or other device), United Capital and its partners, affiliates or third party providers may passively gather information about your use of the System for several reasons, including, but not limited to, the following: statistics collection and analysis, System optimization, analytics (as described below), market research, and maintenance of user login information. For example, cookies on the Websites may track “macro” information, such as the number of independent visits made to the Websites each day, or “micro” information, such as individual users’ IP addresses, downloads, and related traffic history (some of this information may be collected by web beacons, see below). The information that we and our third party service providers track with cookies may include, but is not necessarily limited to, the type of browser (such as Google Chrome, Microsoft Edge or Internet Explorer) and Internet-connected device being used to access the System, your Internet protocol (“IP”) address, your home domain or Internet service provider, your referrer URL (which is the URL for the website that you were viewing prior to visiting the System), how you were directed to the System, which specific pages you access on the System, how long you view each page, the time and date you access our System and the total number of visitors to the System and any portions thereof. We may also use your IP address to determine the general physical location of your computer or device and understand from what geographic locations our System visitors come and to tailor our services to meet our visitors’ needs (e.g., if a visitor is from California, we may use geolocation information to ensure our California team responds to such visitor).
Most popular Internet browser applications will allow you to configure the browser so as not to accept cookies. However, setting your browser to reject cookies may, in certain instances, prevent you from taking full advantage of the System (or some portion thereof) and its capabilities, or cause some features of the System to function improperly or more slowly.
The Websites use certain web analytics services provided by third parties in order to better understand your use of our Websites (or other portions of the System) and how we can improve the System. Such analytics providers may collect information such as how often users visit the System, what pages they visit when they do so, and what other websites they used prior to coming to the System. We do not combine the information collected through the use of such analytics services with your Personal Information. Such third party analytics providers may utilize the data collected to track and examine use of the System, to prepare reports on its activities and share them with us.
Some of the areas of the System may also contain electronic images known as web beacons (sometimes known as clear gifs) that allow United Capital, and its third party providers or affiliates, to count and track users who have visited certain portions of the System and other similar traffic history. Web beacons collect only limited information, including a cookie number, time and date of a page view, and a description of the page on which the Web beacon resides. Web beacons do not collect any of your Personal Information.
How We Share Collected Information
For more information about how personal information may be shared, and your options for limiting such sharing, please see our Consumer Privacy Notice.
We do not sell, rent, or lease our user lists or the identity of individual users to third parties without your consent. However, we may use and disclose certain aggregated, deidentified information to our affiliates, subsidiaries, business partners, third-party service providers or other recipients, as permitted by law for certain purposes including, without limitation, advertising, informational, comparison, research, general service or product improvement. Such information may also be shared with United Capital customers, including the company through which our service is made available to you. However, such information shall not be personally identifiable to any user. Information stored in United Capital’s GuideCenter Vault will not be included in any such aggregated and de-identified datasets.
Disclosure of FlexScore Information
In addition to the disclosures of Collected Information described above, we may also disclose information collected when you access or use our FlexScore product, including personally identifiable information to: (1) third parties for marketing of third party products or services; (2) third party financial consultants- per your request- so that they can provide you with financial services, and (3) third party financial institutions as necessary for us to – per your request- pull your financial information for you to view/utilize on the website. Additionally, any user submissions to the FlexScore website may be disclosed to persons/groups as elected by you through your selection of website submission functionalities.
Change in Control and Other Organizational Changes
Information We Collect for Sweepstakes, Promotions, Contests & Surveys
On the System, you may wish to participate in online polls, surveys, contests, sweepstakes and other promotions that we may offer from time to time. Participation in these polls, surveys, contests, sweepstakes and promotions is completely voluntary; you have a choice about whether or not to disclose information required to enter. Information requested may include personal contact information such as your name, address, date of birth, phone number, mobile phone number, e-mail address, username, and/or similar information. In addition, as noted above, we may share this information with our affiliates, and other organizations or entities. In connection with any online polls, surveys, contests, sweepstakes and other promotions that we may offer from time to time via the System, we use the information you provide to administer the polls, surveys, contests, sweepstakes and other promotions. Subject to applicable contractual or legal restrictions, we also may use the information to communicate with you, or the other people you select, about our services or our marketing partners may use such information to communicate with you about the online polls, surveys, contests, sweepstakes or other promotions or their products and services.
How We Protect Collected Information
California and Delaware “Do Not Track” Disclosures
The System is not intended for use or view by children under 13 years of age. Consistent with the Children’s Online Privacy Protection Act, we will not knowingly collect any information from children under the age of 13. If you are under the age of 13, you must ask your parent or guardian to assist you in using the System. Furthermore, we may restrict entries to any contests, sweepstakes or promotions to entrants who are at least 18 years of age.
Visiting our Websites from Outside of the United States
Unsubscribe/ Contact Us
We want to communicate with you only if you want to hear from us. If you prefer not to receive information from us or would like to update or change your personal information or preferences, please follow the instructions below. However, we may send you service-related announcements, announcements about changes in policies, and transactional e-mail such as confirmations and receipts, from time to time through the general operation of the System or by e-mail. If you do not want to receive any e-mail from us in the future, click the “unsubscribe” reference in any e-mail we send you.
If you wish to review the contact information we have on file for you, correct your contact information, provide a change of address, or inform us how you wish your contact information to be used, or if you have any questions, comments or suggestions about the System, our Services, United Capital please contact us by mail, telephone, or e-mail, as follows:
Hours of Operation: 7:00 A.M. to 7:00 P.M. CT
620 Newport Center Drive
Newport Beach, CA 92660
If you correspond with United Capital through the System or via email, the Collected Information may include the content of, and metadata regarding, any correspondence you may have with us. We may share your messages with those within our organization who are most capable of addressing the issues contained in your message. We will keep a copy of your message until we have had an opportunity to address your concerns.