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Terms & Conditions

Universal Funds, Inc.

Effective Date: 2/13/2026

1. Definitions

  • “Company,” “we,” “us,” “our” refers to Universal Funds, Inc.
  • “User,” “you,” “your” refers to any person accessing our website or services.
  • “Services” include our website, communications, applications, and financial services, including pre-settlement funding.
  • “Website” refers to all web properties operated by Universal Funds, Inc.

2. Acceptance of Terms

By accessing or using our Website or Services, you agree to these Terms & Conditions and our
Privacy Policy, which is incorporated by reference.
If you do not agree, do not use our Services.

3. Eligibility

You must be at least 18 years old and legally capable of entering a binding agreement to use our Services.

4. Nature of Services

Universal Funds, Inc. provides non-recourse pre-settlement funding and related services.
Our funding products are not loans and repayment is contingent upon the outcome of a legal claim,
as governed by separate written agreements.

5. No Legal or Financial Advice

Information provided on the Website or via communications is for general informational purposes only
and does not constitute legal, financial, or tax advice. You should consult your attorney or advisor
regarding your specific situation.

6. SMS Consent Communication

The information obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

Types of SMS Communications

If you have consented to receive text messages from Universal Funds, Inc., you may receive messages related to the following:

  • Follow-up messages
  • Billing inquiries

Message Frequency

Message frequency may vary. You may receive up to 1–2 SMS messages per week regarding follow-up messages and billing inquiries.

Potential Fees for SMS Messaging

Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

Opt-In Method

You may opt-in to receive SMS messages from Universal Funds, Inc. in the following ways:

  • By submitting an online form

Opt-Out Method

You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

Help

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at
https://universalfunds.net/ or contact us at 484-924-9323.

Additional Options

If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

Standard Messaging Disclosures

  • Message and data rates may apply.
  • You can opt out at any time by texting “STOP.”
  • For assistance, text “HELP” or visit our Privacy Policy and Terms & Conditions.
  • Message frequency may vary.

7. User Responsibilities

You agree to provide accurate and complete information and not to:

  • Submit false or misleading information
  • Attempt unauthorized access to systems
  • Use the Website for unlawful purposes

8. Intellectual Property

All Website content, trademarks, logos, and materials are the exclusive property of
Universal Funds, Inc. and may not be copied, reproduced, or distributed without prior written consent.

9. Disclaimer of Warranties

Services are provided “as is” and “as available.” We disclaim all warranties, express or implied,
including merchantability and fitness for a particular purpose.

10. Limitation of Liability

To the fullest extent permitted by law, Universal Funds, Inc. shall not be liable for indirect, incidental,
consequential, or punitive damages arising from your use of the Services or Website.

11. Indemnification

You agree to indemnify and hold harmless Universal Funds, Inc. from claims arising from your misuse of
the Services or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of the state in which Universal Funds, Inc. is incorporated,
without regard to conflict-of-law principles.

13. Modifications

We may update these Terms at any time. Continued use of the Website or Services constitutes
acceptance of the revised Terms.

14. Contact Information

Universal Funds, Inc.
200 Philips Road, Exton, PA 19341
Phone: 484-924-9323
Email: [email protected]