Universe Financial Corp. hereby authorizes you to view, and print information on this web site subject to the fact that it is used for informational and non-commercial purposes.

It is our intention that data provided on a subject is of a general nature. Our web site does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice.

Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors.

Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this web site may violate copyright, trademark, and other laws.

Materials on this web site may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.