Privacy Policy

For over 40 years, respecting and protecting individual client privacy has been vital to our business. By sharing our Privacy Principles, we trust that our individual clients will better understand how we keep client information private and secure, while using it to provide services and products. UTC clients who receive information from or transact business with UTC through the Internet are covered by the terms and conditions and any privacy notices posted on the websites they visit.

We may disclose and transfer any information that is provided through this Website to any company within the UTC group, its affiliates, agents or information providers; to any other person or entity with a client’s consent; or if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. We may also transmit, transfer or process such information to, or through, any country in the world, as we deem necessary or appropriate.

We protect client information

We take our responsibility to protect the privacy and confidentiality of any client information very seriously. We maintain physical, electronic and procedural safeguards that comply with applicable legal standards to store and secure client information from unauthorised access and use, alteration and destruction. Our own policies and procedures have been developed to protect the confidentiality of client information and to help achieve compliance with relevant rules and regulations. We hold our employees accountable for complying with those policies, procedures, rules and regulations.

We endeavour to collect, use and maintain client information only for appropriate purposes

We limit the collection, use and retention of client information to what we reasonably believe will help us deliver superior service, to administer our business, manage our risks, market our services and products, and to meet applicable laws and regulations.

We share client information with affiliates and with others when we believe it will enhance the services and products we can provide to clients, or for legal and routine business reasons

We share client information among our affiliates and business units when we believe it will enhance the services we can provide to clients, but only in circumstances where such sharing conforms to: law, any applicable confidentiality agreements, our policies and practices, or where a client has consented to such sharing.

We may disclose information we have about clients as permitted by law

For example, we may share information with regulatory authorities and law enforcement officials who have jurisdiction over us, or if we are required to do so by applicable law and to provide information to protect against fraud. From time to time, we enter into agreements with other companies to provide services to us or make services and products available to clients. Under these agreements, the companies may receive information about clients, but they must safeguard this information and they may only use it for those purposes that we specify.

We provide clients with relevant and appropriate choices regarding the sharing of information with our affiliates and others

We will give clients choices regarding the sharing of information with affiliates and third parties in accordance with applicable law and their agreements with us.