PRIVACY POLICY

UM Webs Program
Operated by OCH United Millions
State of New York, United States

Effective Date: March 1, 2026
Last Updated: March 1, 2026

1. Introduction

OCH United Millions, through its UM Webs Program (“Company,” “we,” “us,” or “our”), respects the privacy of users who visit websites developed under this program.

This Privacy Policy describes how we collect, use, store, and protect personal information in accordance with applicable United States federal and state laws.

By using any website developed under the UM Webs Program, you agree to this Privacy Policy.

2. Scope

This Policy applies to:

Websites developed and managed under the UM Webs Program
Visitors to those websites
Users submitting information through contact forms
Businesses participating in the program

Each featured business operates independently and is responsible for its own internal data practices.

3. Information We Collect

A. Information You Provide Voluntarily

We may collect:

Name
Email address
Phone number
Business information
Messages submitted through contact forms
Any information you voluntarily provide

B. Information Collected Automatically

When you visit a site, we may collect:

IP address
Approximate geographic location
Browser type
Device type
Operating system
Pages visited
Time spent on site
Date and time of access

C. Cookies and Tracking Technologies

We may use:

Essential cookies
Performance cookies
Analytics tools (such as Google Analytics or similar platforms)

Cookies help improve user experience and analyze traffic.

Users may adjust browser settings to refuse cookies; however, some functionality may be affected.

4. How We Use Information

We may use collected information to:

Respond to inquiries
Provide requested services
Improve website functionality
Monitor security
Analyze site performance
Comply with legal obligations

We do not sell personal information.

5. Payment Processing

Some websites developed under the UM Webs Program may allow payments via credit or debit card.

All payment transactions are processed exclusively through third-party payment processors that comply with PCI-DSS (Payment Card Industry Data Security Standard).

OCH United Millions and UM Webs:

Do not store full credit card numbers
Do not directly process payment data on internal servers
Do not have direct access to sensitive financial details

Payment information is transmitted securely and directly to the designated payment processor.

6. Responsibility of Payment Processors

The collection, handling, and storage of financial data are the sole responsibility of the third-party payment provider used by the business.

Users are encouraged to review the privacy policies and terms of the applicable payment processor before completing any transaction.

7. Fraud and Unauthorized Transactions

OCH United Millions is not responsible for:

Unauthorized card use
Fraudulent transactions
Chargebacks
Banking disputes

All transaction-related disputes must be resolved directly with the respective business and/or financial institution.

8. State Privacy Rights (Including California)

Depending on your state of residence, you may have rights to:

Request access to personal information
Request correction of inaccurate information
Request deletion of personal information
Request limitation of data use
Request disclosure of categories of collected data

California residents may have additional rights under the California Consumer Privacy Act (CCPA/CPRA).

Requests may be submitted using the contact information provided below.

9. Information Sharing

We may share information only as necessary with:

Hosting providers
Technology vendors
Analytics providers
Payment processors
Government authorities when required by law

We do not sell or rent personal information.

10. Data Retention

We retain personal information only as long as necessary to:

Fulfill operational purposes
Comply with legal obligations
Resolve disputes
Enforce agreements

11. Data Security

We implement reasonable technical and administrative safeguards to protect personal information from unauthorized access, disclosure, or misuse.

However, no online system is completely secure, and we cannot guarantee absolute security.

12. Independent Business Responsibility

Each business featured on a website developed under the UM Webs Program is independently responsible for:

Its regulatory compliance
Tax reporting
Sales tax obligations
Consumer protection compliance
Industry-specific regulations

OCH United Millions does not audit or monitor each business’s internal compliance practices.

13. Tax Responsibility

Each participating business is solely responsible for:

Proper income reporting
Sales tax collection and remittance
Federal and state tax compliance

OCH United Millions assumes no liability for tax reporting errors or regulatory violations committed by the business.

14. Third-Party Links

Websites may contain links to external websites.

We are not responsible for the privacy practices of third parties.

15. Children’s Privacy

These websites are not directed to children under the age of 13.

We do not knowingly collect personal information from children under 13.

16. Changes to This Policy

We may update this Privacy Policy at any time.

Continued use of the website after changes are posted constitutes acceptance of the revised Policy.

17. Contact Information

OCH United Millions
State of New York, United States