The rating tool assists businesses in helping them understand the fragilities they face. It does not address every potential risk scenario or address every risk factor which affects or may affect a business and is not meant to be, and should not be used as, a substitute for sound business judgement.
All users of our rating must consider results in the context of their specific business and business conditions and discuss the implications of those results and the steps to be taken based on those results, if necessary, with appropriate professional advisers. All users of our rating do so at their own risk.
Neither Universal Ratings nor any of its subsidiaries or affiliates make any representations or warranties, express or implied, regarding the completeness, accuracy or timeliness of any rating. It should not be assumed that any risk or risk level indicated by a rating will remain the same for any period of time and neither Universal Ratings nor any of its subsidiaries or affiliates undertake any obligation to correct or update its ratings.
Neither Universal Ratings nor any of its subsidiaries or affiliates assume any responsibility for any indirect, special or consequential damages that may result to any party from the use, misuse of ratings or reliance on its risk ratings or assessments, including but not limited to use contrary to national or international law, decisions taken with respect to third parties and the inability to conduct business.
The rating does not constitute advice regarding the value of any security and any results of rating should not be taken as investment advice or a recommendation to buy or sell any security or enter into or execute any type of business arrangement or investment. The result of a rating analysis may not be re-sold in any form or manner whatsoever.
1. Acceptance of Agreement.
The content, organization, graphics, design, compilation, magnetic translation, digital conversion and other matters related to the Site are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the Site, except as allowed by Section 4 below, is strictly prohibited. You do not acquire ownership rights to any content, document or other materials viewed through the Site. The posting of information or materials on the Site does not constitute a waiver of any right in such information and materials. Some of the content on the site is the copyrighted work of third parties.
3. Service Marks.
"www.universal-ratings.com" and others are our service marks or registered service marks or trademarks. Other product and company names mentioned on the Site may be trademarks of their respective owners.
4. Limited License; Permitted Uses.
You are granted a non-exclusive, non-transferable, revocable license (a) to access and use the Site strictly in accordance with this Agreement; (b) to use the Site solely for internal, personal, non-commercial purposes; and (c) to print out discrete information from the Site solely for internal, personal, non-commercial purposes and provided that you maintain all copyright and other policies contained therein. No print out or electronic version of any part of the Site or its contents may be used by you in any litigation or arbitration matter whatsoever under any circumstances.
5. Restrictions and Prohibitions on Use.
6. Forms, Agreements & Documents
We may make available through the Site or through other Web sites sample and actual forms, checklists, business documents and legal documents (collectively, “Documents”). All Documents are provided on a non-exclusive license basis only for your personal one-time use for non-commercial purposes, without any right to re-license, sublicense, distribute, assign or transfer such license. Documents are provided for a charge and without any representations or warranties, express or implied, as to their suitability, legal effect, completeness, currentness, accuracy, and/or appropriateness. The Documents are provided “as is”, “as available”, and with “all faults”, and we and any provider of the Documents disclaim any warranties, including but not limited to the warranties of merchantability and fitness for a particular purpose. The Documents may be inappropriate for your particular circumstances. You should consult with legal counsel to determine the appropriate legal or business documents necessary for your particular transactions, as the Documents are only samples and may not be applicable to a particular situation. Some Documents are public domain forms or available from public records.
7. No Legal Advice or Attorney-Client Relationship.
Information contained on or made available through the Site is not intended to and does not constitute legal advice, recommendations, mediation or counseling under any circumstance and no attorney-client relationship is formed. We do not warrant or guarantee the accurateness, completeness, adequacy or currency of the information contained in or linked to the Site. Your use of information on the Site or materials linked to the Site is entirely at your own risk. We are not a law firm and the Site is not a lawyer referral service.
8. Linking to the Site.
You may provide links to the Site, provided (a) that you do not remove or obscure, by framing or otherwise, advertisements, the copyright notice, or other notices on the Site, (b) your site does not engage in illegal or pornographic activities, and (c) you discontinue providing links to the Site immediately upon request by us.
The Site may contain advertising and sponsorships. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Site is accurate and complies with applicable laws. We are not responsible for the illegality or any error, inaccuracy or problem in the advertiser’s or sponsor’s materials.
Certain sections of, or offerings from, the Site may require you to register. If registration is requested, you agree to provide us with accurate, complete registration information. Your registration must be done using your real name and accurate information. Each registration is for your personal use only and not on behalf of any other person or entity. We do not permit (a) any other person using the registered sections under your name; or (b) access through a single name being made available to multiple users on a network. You are responsible for preventing such unauthorized use.
11. Errors, Corrections and Changes.
We do not represent or warrant that the Site will be error-free, free of viruses or other harmful components, or that defects will be corrected. We do not represent or warrant that the information available on or through the Site will be correct, accurate, timely or otherwise reliable. We may make changes to the features, functionality or content of the Site at any time. We reserve the right in our sole discretion to edit or delete any documents, information or other content appearing on the Site.
12. Third Party Content.
Third party content may appear on the Site or may be accessible via links from the Site. We are not responsible for and assume no liability for any mistakes, misstatements of law, defamation, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content on the Site. You understand that the information and opinions in the third party content represent solely the thoughts of the author and is neither endorsed by nor does it necessarily reflect our belief.
13. Unlawful Activity.
We reserve the right to investigate complaints or reported violations of this Agreement and to take any action we deem appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, posted materials, IP addresses and traffic information.
You agree to indemnify, defend and hold us and our partners, agents, officers, directors, employees, subcontractors, successors, assigns, third party suppliers of information and documents, attorneys, advertisers, product and service providers, and affiliates (collectively, "Affiliated Parties") harmless from any liability, loss, claim and expense, including reasonable attorney's fees, related to your violation of this Agreement or use of the Site.
Your right to use the Site is not transferable or assignable. Any password or right given to you to obtain information or documents is not transferable or assignable.
The information, content and documents from or through the site are provided "as-is," "as available," with “all faults”, and all warranties, express or implied, are disclaimed (including but not limited to the disclaimer of any implied warranties of merchantability and fitness for a particular purpose). The information and services may contain bugs, errors, problems or other limitations. We and our affiliated parties have no liability whatsoever for your use of any information or service, except as provided in section 17(b). In particular, but not as a limitation thereof, we and our affiliated parties are not liable for any indirect, special, incidental or consequential damages (including damages for loss of business, loss of profits, litigation, or the like), whether based on breach of contract, breach of warranty, tort (including negligence), product liability or otherwise, even if advised of the possibility of such damages. The negation and limitation of damages set forth above are fundamental elements of the basis of the bargain between us and you. This site and the products, services, documents and information presented would not be provided without such limitations. No advice or information, whether oral or written, obtained by you from us through the site or otherwise shall create any warranty, representation or guarantee not expressly stated in this agreement.
All responsibility or liability for any damages caused by viruses contained within the electronic file containing a form or document is disclaimed.
17. Limitation of Liability
(a) We and any Affiliated Party shall not be liable for any loss, injury, claim, liability, or damage of any kind resulting in any way from (a) any errors in or omissions from the Site or any services or products obtainable therefrom, (b) the unavailability or interruption of the Site or any features thereof, (c) your use of the Site, (d) the content contained on the Site, or (e) any delay or failure in performance beyond the control of a Covered Party.
(b) The aggregate liability of us and the affiliated parties in connection with any claim arising out of or relating to the site and/or the products, information, documents and services provided herein or hereby shall not exceed €100 and that amount shall be in lieu of all other remedies which you may have against us and any affiliated party.
18. Use of Information.
19. Third-Party Services.
We may allow access to or advertise certain third-party product or service providers ("Merchants") from which you may purchase certain goods or services. You understand that we do not operate or control the products or services offered by Merchants. Merchants are responsible for all aspects of order processing, fulfillment, billing and customer service. We are not a party to the transactions entered into between you and Merchants. You agree that use of or purchase from such Merchants is at your sole risk and is without warranties of any kind by us, expressed, implied or otherwise including warranties of title, fitness for purpose, merchantability or non-infringement. Under no circumstances are we liable for any damages arising from the transactions between you and merchants or for any information appearing on merchant sites or any other site linked to our site.
20. Third-Party Merchant Policies.
All rules, policies (including privacy policies) and operating procedures of Merchants will apply to you while on any Merchant sites. We are not responsible for information provided by you to Merchants. We and the Merchants are independent contractors and neither party has authority to make any representations or commitments on behalf of the other.
You represent and warrant that if you are purchasing something from us or from Merchants that (i) any credit information you supply is true and complete, (ii) charges incurred by you will be honored by your credit card company, and (iii) you will pay the charges incurred by you at the posted prices, including any applicable taxes.
23. Securities Laws.
The Site may include statements concerning our operations, prospects, strategies, financial condition, future economic performance and demand for our products or services, as well as our intentions, plans and objectives (particularly with respect to product and service offerings), that are forward-looking statements. These statements are based upon a number of assumptions and estimates which are subject to significant uncertainties, many of which are beyond our control. When used on our Site, words like "anticipates," "expects," "believes," "estimates," "seeks," "plans," "intends," "will" and similar expressions are intended to identify forward-looking statements designed to fall within securities law safe harbors for forward-looking statements. The Site and the information contained herein does not constitute an offer or a solicitation of an offer for sale of any securities. None of the information contained herein is intended to be, and shall not be deemed to be, incorporated into any of our securities-related filings or documents.
24. Links to other Web Sites.
The Site contains links to other Web sites. We are not responsible for the content, accuracy or opinions express in such Web sites, and such Web sites are not investigated, monitored or checked for accuracy or completeness by us. Inclusion of any linked Web site on our Site does not imply approval or endorsement of the linked Web site by us. If you decide to leave our Site and access these third-party sites, you do so at your own risk.
25. Copyrights and Copyright Agents.
We respect the intellectual property of others, and we ask you to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our Copyright Agent the following information: a.An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; b.A description of the copyrighted work that you claim has been infringed; c.A description of where the material that you claim is infringing is located on the Site; d.Your address, telephone number, and email address; e.A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and f.A statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. Our Copyright Agent for Notice of claims of copyright infringement on the Site can be reached by directing an e-mail to the Copyright Agent at email@example.com.
26. Information and Press Releases.
The Site contains information and press releases about us. We disclaim any duty or obligation to update this information or any press releases. Information about companies other than ours contained in the press release or otherwise, should not be relied upon as being provided or endorsed by us.
27. Legal Compliance.
You agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of the Site and the Content and Materials provided therein.
This Agreement shall be treated as though it were executed and performed in Singapore, and shall be governed by and construed in accordance with the laws of Singapore (without regard to conflict of law principles). Any cause of action by you with respect to the Site (and/or any information, Documents, products or services related thereto) must be instituted within one (1) year after the cause of action arose or be forever waived and barred. All actions shall be subject to the limitations set forth in Section 16 and Section 17. The language in this Agreement shall be interpreted as to its fair meaning and not strictly for or against any party. This Agreement and all incorporated agreements and your information may be automatically assigned by us in our sole discretion to a third party in the event of an acquisition, sale or merger. Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that anything in or associated with the Site is in conflict or inconsistent with this Agreement, this Agreement shall take precedence. Our failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. Our rights under this Agreement shall survive any termination of this Agreement.
Any legal controversy or legal claim arising out of or relating to this Agreement or our services, excluding legal action taken by us to collect or recover damages for, or obtain any injunction relating to, Site operations, intellectual property, and our services, shall be settled solely by binding arbitration in accordance with the commercial arbitration rules of Singapore. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Singapore, and judgment on the arbitration award may be entered into any court having jurisdiction thereof.
1.1 This Privacy and Cookies Policy explains how the Universal Ratings PTte Ltd (“U.R.”, “we”, “us” or “our”) collects information from you when you visit or register to use www.universal-ratings.com (the “Website”) and how this information is then used. If you have any questions about this statement or your personal information that we may collect from you, please contact us at firstname.lastname@example.org
1.2 Please read this Privacy and Cookies Policy carefully and re-visit this page from time to time to review any changes that may have been made.
1.3 This Privacy and Cookies Policy applies to you whether you use the Website as a casual browser, have registered to use the Website or have entered into a contract with U.R. in relation to the supply of specific services and/or products. In the event of any conflict between this Privacy and Cookies Policy and the terms of a contract you have with U.R., the relevant provision of that contract shall prevail to the extent of any inconsistency.
2. What personal information does U.R. collect, and how is that information then used?
2.1 Information collected when you browse the Website
We will not collect any personal information about you from your browsing of the Website unless you agree to collection and use of your personal data.
2.2 Information collected when you become a customer of U.R.
When you enter into a contract with us for our services or products, you may be asked to submit personal information about yourself in order to receive or use these services or products. This information may include, for example, your name, address, job title, telephone number, email address and financial information necessary to conclude the contract and enable administration and management of such services or products. We will only collect information that is necessary for us to provide you with the product or service that you have requested. The type of information that we may collect will depend upon the nature of that service or product.
2.3 How will we use any personal information that we collect?
2.3.1 Where we collect personal information, we will use it for administration and to tailor our service and/or products to match your needs. We may also use personal information to conduct market research surveys, for statistical analysis to determine site usage, to run competitions and for direct marketing purposes relating to our business.
2.3.2 We may employ the services of a third party to help us in certain areas, such as website hosting, marketing and market researching. In some cases that third party may receive your information. However, at all times we will control and be responsible for the use of your information.
2.3.3 By providing us with your personal information, you consent to our transferring your information to countries or jurisdictions which do not provide the same level of data protection, including without limitation countries or jurisdictions. If we do make such a transfer, we will, if appropriate, put a contract in place to ensure that your information is protected.
2.3.4 At all times we are legally obliged to collect, retain and process any personal information that you provide. Each time you provide us with personal information we aim to let you know how we intend to use it and ask you to give your consent to such use. This will include:
(a) where we would like to use that information to send you details of other products and services we offer which are similar to the product/service for which you have subscribed; and
(b) where we would like to share that information with certain selected third parties to allow them to provide you with details of their services and/or products which might be of interest to you.
2.5 How can I remove, update, prevent use of or correct my personal information?
Please refer to the “My Account” section of the Website, where you can update, correct or delete your personal information as appropriate. Should you wish U.R. to cease marketing to you, you should contact email@example.com
3. How does U.R. protect your personal information?
3.1 We will hold your personal information securely and will only keep it for as long as is reasonably necessary in the circumstances you are registered to use the Website or for as long as you use the service that you have requested, unless you have provided us with your consent to use the data for any additional purposes. We take the security of the Website and the information you provide very seriously and we will take all appropriate technical measures using recognised security procedures and tools in accordance with good industry practice to protect your personal information.
3.2 Whilst we use all reasonable endeavours to protect your security in the manner described above, we consider that it is only appropriate to advise users that data transmission over the Internet and the World Wide Web cannot always be guaranteed as 100% secure, and therefore that you use the Website at your own risk.
4.1 Your Internet browser has a feature called "cookies" which store small amounts of data on your computer about your visit to the Website. You do not need to have cookies turned on to visit most of the Website. A cookie does not provide us with any personal information. Therefore, if you have not supplied us with any personal information, you can still browse our site anonymously.
4.2 We do not automatically capture or store personal data from browsers to the site, other than to log your IP address and session information such as the duration of the visit to our site and the nature of the browser used. This information is used only for administration of the site system and in the compilation of statistics used by U.R.
4.3 Cookies may be required to allow you to access and participate in certain areas of the Website. Once you have closed your browser, this type of cookie is deactivated. Like all cookies, you are able to remove or block particular cookies at any time (see 4.4 below).
4.4 The majority of browsers will allow you to alter the settings used for cookies and to disable and enable them as you require. If you do not want cookies then please refer to the help menu on your browser for instructions on disabling them. For further general information on cookies and more detailed advice on how to disable and enable them please go to www.allaboutcookies.org.
If we make any changes to this Privacy and Cookies Policy these changes will be detailed on this page in order to ensure that you are fully aware of what information is collected, how it is used and under what circumstances it will be disclosed.
This Privacy and Cookies Policy applies only to information collected by this Website. The Website may contain links to other websites. Please be aware that we are not responsible for the privacy policies of such other sites and we would advise you to read the privacy statement of any website that collects personal information from you.
Universal Ratings, like many others, uses small files called cookies to help us customise your experience. Find out more about cookies and how you can control them
This page contains information on what "cookies" are, the cookies used by Universal Ratings's website, how to switch cookies off in your browser, how to specifically switch off advertising cookies, and some useful links for further reading on the subject.
1. What are "cookies"?
"Cookies" are small text files that are stored by the browser (Internet Explorer, Safari, etc.) on your computer or mobile phone. They allow websites to store things like user preferences. You can think of cookies as providing a "memory" for the website, so that it can recognise you when you come back and respond appropriately.
A visit to a page on Universal Ratings's website may generate the following types of cookie:
Site performance cookies
This type of cookie remembers your preferences for tools found on Universal Ratings's website, so you don't have to re-set them each time you visit.
Anonymous analytics cookies
Every time someone visits our website, software provided by another organisation generates an "anonymous analytics cookie". These cookies can tell us whether or not you have visited the site before.
Your browser will tell us if you have these cookies and, if you don't, we generate new ones.
This allows us to track how many individual users we have, and how often they visit the site.
Unless you are signed in to Universal Ratings, we cannot use these cookies to identify individuals. We use them to gather statistics (the number of visits to a page, etc.). If you are logged in, we will also know the details you gave to us for this, such as your username and email address.
These cookies are used by software which tries to work out what country you are in from the information supplied by your browser when you click on a web page. This cookie is completely anonymous, and we only use it to help target our content and advertising.
These cookies allow us to know whether or not you've seen an advert or a type of advert, and how long it is since you've seen it.
We also set anonymous cookies on certain other sites that we advertise on. If you receive one of those cookies, we may then use it to identify you as having visited that site if you later visit Universal Ratings. We can then target our advertising based on this information.
Third party advertising cookies
A lot of the advertisements you see on Universal Ratings are provided by other organisations. Some of these organisations use their own anonymous cookies to track how many people have seen a particular ad, or to track how many people have seen it more than once.
The companies that generate these cookies have their own privacy policies, and we have no access to read or write these cookies. These organizations may use their cookies to anonymously target advertising to you on other websites, based on your visit to Universal Ratings.
Other third party cookies
On some pages of our website, other organisations may also set their own anonymous cookies. They do this to track the success of their application, or to customise the application for you. Because of how cookies work, our website cannot access these cookies, nor can the other organisation access the data in cookies we use on our website.
For example, when you share an article using a social-media sharing button (Facebook, Twitter, LinkedIn, etc.) on Universal Ratings, the social network that has created the button will record that you have done this.
3. How do I turn cookies off?
It is usually possible to stop your browser accepting cookies, or to stop it accepting cookies from a particular website. However, we cannot tell if you are signed in without using cookies, so you would not be able to post comments.
All modern browsers allow you to change your cookie settings. You can usually find these settings in the 'options' or 'preferences' menu of your browser. To understand these settings, the following links may be helpful, or you can use the 'Help' option in your browser for more details.
If you are primarily concerned about third party cookies generated by advertisers, you can turn these off by going to the Your Online Choices site.
4. Useful links
If you would like to find out more about cookies and their use on the Internet, you may find the following links useful: