Terms and Conditions
Last Updated: July 2, 2026
Welcome to Universal Investing. These Terms and Conditions govern your use of our website, platform, services, content, programs, communities, and related features available through universalwealthtech.com.
By accessing or using this website, you agree to these Terms and Conditions. If you do not agree, please do not use the website or services.
1. Company Information
This website is operated by:
Universal Investing LLC
121 Washington Ave. N, 2nd Floor
Minneapolis, Minnesota 55401
United States
Assignee: Faisal Butt
Email: faisalb@universalwealthtech.com
Website: universalwealthtech.com
2. Purpose of the Website
Universal Investing is a wealth-building community designed to help everyday investors learn, share ideas, discover opportunities, create watchlists, participate in challenges, and build better financial habits.
Our website and services may include educational content, investor communities, user profiles, investment-related discussions, watchlists, rankings, challenges, and other community-based tools.
3. Educational and Informational Purposes Only
Universal Investing provides content, tools, and community discussions for general educational and informational purposes only.
Nothing on this website or platform should be considered financial advice, investment advice, legal advice, tax advice, accounting advice, or a recommendation to buy, sell, or hold any security, cryptocurrency, asset, investment product, or financial instrument.
You are solely responsible for your own financial decisions. Before making any investment or financial decision, you should conduct your own research and consult with a qualified financial, legal, tax, or investment professional.
4. No Guarantee of Results
Universal Investing does not guarantee any financial result, investment return, profit, income, savings amount, portfolio growth, or investment performance.
Investing involves risk, including the possible loss of money. Past performance, community opinions, rankings, watchlists, or shared ideas do not guarantee future results.
5. User Accounts and Profiles
To access certain features, you may be required to create an account or profile. You agree to provide accurate, current, and complete information when creating your account.
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify Universal Investing if you believe your account has been accessed without authorization.
Universal Investing reserves the right to suspend, limit, or terminate accounts that violate these Terms or misuse the platform.
6. Community Content and User Contributions
Users may be able to post, share, upload, comment on, or submit content, including investment ideas, watchlists, opinions, strategies, questions, and discussions.
By submitting content, you confirm that:
You have the right to share the content.
The content is accurate to the best of your knowledge.
The content does not violate any law, regulation, or third-party rights.
The content is not misleading, abusive, defamatory, fraudulent, harmful, or unlawful.
Universal Investing does not endorse or verify all user-generated content. Community posts and shared ideas represent the views of individual users, not Universal Investing.
We reserve the right to remove content, restrict access, or suspend users if content violates these Terms or harms the community.
7. Prohibited Uses
You agree not to use the website or platform to:
Provide fraudulent, misleading, or harmful financial information.
Promote scams, pump-and-dump schemes, market manipulation, or unlawful investment activity.
Harass, threaten, abuse, or impersonate another person.
Upload viruses, malware, spam, or harmful code.
Attempt to gain unauthorized access to the website, platform, systems, or user accounts.
Copy, scrape, reproduce, or misuse website content without permission.
Violate any applicable law, rule, or regulation.
Use the platform for illegal securities activity or unauthorized financial promotion.
8. Memberships, Programs, and Payments
Universal Investing may offer paid programs, memberships, subscriptions, or premium features.
Pricing, features, billing terms, cancellation rules, and renewal details will be shown at the time of purchase. By purchasing a paid program or subscription, you agree to pay all applicable fees.
Unless otherwise stated, payments are non-refundable once access has been provided. Universal Investing reserves the right to change pricing, features, or program availability at any time.
9. Watchlists, Rankings, and Challenges
Watchlists, rankings, badges, challenges, reputation scores, and similar features are designed for engagement, education, and community participation.
These features should not be interpreted as financial advice, investment recommendations, verified performance results, or proof of investment expertise.
Universal Investing may modify, remove, or update these features at any time.
10. Intellectual Property
All website content, branding, text, graphics, logos, layouts, designs, images, features, and platform materials are owned by or licensed to Universal Investing LLC, unless otherwise stated.
You may not copy, reproduce, distribute, modify, sell, or use any content from the website or platform without prior written permission.
User-generated content remains owned by the user who submitted it. However, by posting content on the platform, you grant Universal Investing a non-exclusive, worldwide, royalty-free license to display, host, reproduce, and use that content in connection with operating and promoting the platform.
11. Third-Party Links and Services
The website may contain links to third-party websites, tools, platforms, payment processors, or services. Universal Investing is not responsible for third-party content, policies, security, accuracy, or practices.
Your use of third-party services is governed by their own terms and policies.
12. Privacy
Your use of the website is also governed by our Privacy Policy. Please review the Privacy Policy to understand how we collect, use, and protect information.
13. Disclaimer of Warranties
The website, services, content, programs, and community features are provided on an “as is” and “as available” basis.
Universal Investing makes no warranties or representations regarding the accuracy, reliability, availability, security, completeness, or usefulness of the website or services.
We do not guarantee that the website will be uninterrupted, error-free, secure, or free from viruses or harmful components.
14. Limitation of Liability
To the fullest extent permitted by law, Universal Investing LLC, its owners, officers, employees, contractors, agents, partners, and affiliates will not be liable for any direct, indirect, incidental, consequential, special, punitive, or financial damages arising from your use of the website, platform, services, content, programs, or community discussions.
This includes, but is not limited to, investment losses, lost profits, lost data, business interruption, account issues, reliance on community content, or decisions made based on information found on the website.
15. Indemnification
You agree to defend, indemnify, and hold harmless Universal Investing LLC and its owners, officers, employees, contractors, agents, partners, and affiliates from any claims, damages, losses, liabilities, costs, or expenses arising from:
Your use of the website or services.
Your violation of these Terms.
Your user-generated content.
Your violation of any law or third-party rights.
Any financial or investment decisions you make.
16. Termination
Universal Investing may suspend or terminate your access to the website, platform, programs, or community features at any time if we believe you have violated these Terms, misused the services, harmed the community, or engaged in unlawful activity.
You may stop using the website or services at any time.
17. Changes to These Terms
Universal Investing may update these Terms and Conditions from time to time. When changes are made, the updated date will be revised at the top of this page.
Your continued use of the website after changes are posted means you accept the updated Terms.
18. Governing Law
These Terms and Conditions are governed by the laws of the State of Minnesota, without regard to conflict of law principles.
Any disputes related to these Terms, the website, or the services shall be handled in the appropriate courts located in Minnesota, unless otherwise required by law.
19. Contact Information
If you have questions about these Terms and Conditions, please contact us:
Universal Investing LLC
121 Washington Ave. N, 2nd Floor
Minneapolis, Minnesota 55401
United States
Email: faisalb@universalwealthtech.com
Website: universalwealthtech.com