Ultima Investment Services ("UIS", "we", "us", or "our") provides market risk ratings, Bear Market predictions, and related publications and subscription services (the "Services") to subscribers in the United States, Australia, the United Kingdom, the European Union and elsewhere. This Privacy Policy explains what personal information we collect, how we use and protect it, and the rights available to you, including under the California Consumer Privacy Act (CCPA), Australian Privacy Act 1988 (Cth) and the UK/EU General Data Protection Regulation.
1. Information We Collect
We collect personal information you provide directly to us, and information collected automatically when you use our website and Services:
- Contact details — name and email address, when you download our free ebook or subscribe to our free weekly Crash Insights newsletter.
- Account and billing details — name, email, billing address, and payment information, when you purchase a paid subscription tier. Card and payment details are collected and processed directly by our payment processor and are not stored on our own servers.
- Communications — details of any enquiries you send to our admin or support email addresses.
- Usage data — pages visited, links clicked, device and browser type, IP address, and general location, collected automatically via cookies and similar technologies.
2. How We Use Your Information
We use personal information to:
- Deliver the free ebook and weekly Crash Insights newsletter you have requested.
- Provide, bill for, and manage paid subscription tiers.
- Respond to admin, subscription, and technical support enquiries.
- Improve our website, publications, and risk-rating Services.
- Send occasional updates about our Services, which you may opt out of at any time.
- Meet legal, tax, and regulatory obligations.
3. Legal Basis for Processing (EU/UK Subscribers)
Where the GDPR applies, we rely on the following legal bases: your consent (e.g., subscribing to the ebook or newsletter); performance of a contract (e.g., managing a paid subscription); and our legitimate interests in operating and improving our business, provided these are not overridden by your rights and interests.
4. Cookies and Tracking
Our website uses cookies and similar technologies to operate the site, remember preferences, and understand how visitors use our content. You can control or disable cookies through your browser settings; disabling some cookies may affect site functionality.
5. Third-Party Service Providers
We share personal information only with service providers who help us operate our business, under confidentiality and data protection obligations:
- Email marketing platform — to deliver the ebook, weekly newsletter, and related communications.
- Payment processor — to securely process payments for paid subscription tiers.
We do not sell your personal information to third parties.
6. International Data Transfers
We serve subscribers in the UK, EU, US, and elsewhere. Personal information may be transferred to, stored, and processed in countries outside your own, including Australia and the countries where our service providers operate. Where required, we take reasonable steps to ensure such transfers are subject to appropriate safeguards.
7. Data Retention
We retain personal information for as long as needed to provide the Services, maintain your subscription, and meet legal and accounting obligations, after which it is securely deleted or anonymised.
8. Your Privacy Rights
Australia: Under the Privacy Act 1988 (Cth), you may request access to, and correction of, the personal information we hold about you, and may lodge a complaint about how we handle your information.
UK and EU: Under the GDPR, you have the right to access, correct, delete, or restrict use of your personal information, to object to certain processing, to data portability, and to withdraw consent at any time.
United States (California): Under the CCPA, California residents have the right to know what personal information is collected, to request deletion, and to opt out of the sale of personal information. We do not sell personal information.
9. Data Security
We take reasonable technical and organisational measures to protect personal information against unauthorised access, loss, or misuse. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
10. Children's Privacy
Our Services are intended for adults and are not directed at children. We do not knowingly collect personal information from anyone under 18.
11. Contact Us
General admin and subscriptions: admin@ultimainvestmentservices.com
Technical support: shane.watson@ultimainvestmentservices.com
Web: www.ultimainvestmentservices.com
Disclaimer
The risk ratings and comments made in our reports and publications should not be regarded as investment or trading advice.
The Risk Ratings and comments made in our reports do not indicate that any trading method is profitable or that losses are not incurred.
Seek professional advice before making any financial decisions based on the Risk Ratings or comments made in our reports.
Ultima Investment Services does not accept any liability for any losses or expenses incurred in applying the Risk Ratings or comments contained in our reports.
Publishing Ultima Investment Services Information
Republishing Ultima Investment Services materials requires written permission of Ultima Investment Services. All Ultima Investment Services Risk Ratings, website materials, publications, and Intellectual Property are the property of Ultima Investment Services. All rights reserved.
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