About Universal Care Groups
Universal Care Groups works with employers, partners, and solution providers to connect organizations with healthcare benefits, employer solutions, and related resources.
Information provided through the UCG website is intended to help visitors learn about UCG, explore available solutions, evaluate potential opportunities, and communicate with our team.
Specific programs, services, partnerships, and offerings may be subject to separate agreements, eligibility requirements, terms, or conditions.
Website Information
UCG makes reasonable efforts to provide useful and accurate information. However, website content is provided for general informational purposes and may change as programs, services, partnerships, laws, regulations, and other circumstances evolve.
UCG does not guarantee that all website information will always be complete, current, or error-free.
Information on this website should not be interpreted as legal, tax, accounting, medical, insurance, or other professional advice.
Employers and other users should consult their own professional advisors regarding decisions specific to their organization or circumstances.
Financial Impact Analyses and Estimates
UCG may provide employers with Financial Impact Analyses, projections, illustrations, estimates, or other information regarding potential financial impact.
These materials are based on information available or provided at the time of preparation and may rely on assumptions regarding workforce characteristics, participation, payroll, benefits, tax treatment, program structure, or other factors.
Financial Impact Analyses and other estimates are illustrative and informational only.
Actual results may vary.
No Financial Impact Analysis, estimate, example, calculator, projection, or website statement constitutes a guarantee of savings, financial results, tax treatment, participation, healthcare utilization, or other outcomes.
Employers are responsible for evaluating the applicability of any program to their organization and obtaining appropriate legal, tax, accounting, benefits, or other professional advice.
Healthcare and Benefits Information
Information regarding healthcare, employee benefits, healthcare access, or related programs is provided for general informational purposes.
UCG does not provide medical advice through this website.
Nothing on the website should be used as a substitute for professional medical advice, diagnosis, or treatment.
Specific healthcare services, provider availability, benefits, eligibility, limitations, and terms may vary depending on the applicable program, provider, employer arrangement, geographic location, and other factors.
Descriptions appearing on the UCG website are not intended to replace applicable program documents, agreements, plan materials, or provider terms.
Forms and Information You Submit
You agree that information you submit through the UCG website will be accurate to the best of your knowledge.
Website forms may be used to:
- Request a Financial Impact Analysis
- Request information about UCG solutions
- Apply to or express interest in the UCG Referral Partner Program
- Explore Strategic Partnerships
- Schedule meetings
- Submit inquiries
- Request resources
- Communicate with UCG
Submitting a form does not create a contractual relationship, guarantee eligibility for any UCG program, or obligate UCG or the person submitting the form to enter into a business relationship.
Certain relationships or services may require additional information, agreements, approvals, or documentation.
Electronic Communications
By providing your contact information, you authorize UCG to respond to your inquiry and communicate with you through the contact methods you provide, subject to applicable law and the permissions or consent you have given.
Communications may include email and telephone communications related to your request, UCG programs, services, partnerships, or an existing business relationship.
Marketing communications will include applicable opt-out mechanisms where required.
SMS and Text Messaging Terms
Where you separately consent to receive text messages from UCG, you authorize UCG to send SMS or text messages to the mobile number you provide.
Messages may relate to inquiries, appointments, requested information, UCG programs or services, relationship management, follow-up communications, or other communications described when you provide consent.
Consent to receive text messages is not a condition of submitting an inquiry, requesting information, participating in the Referral Partner Program, or purchasing goods or services.
Message frequency may vary.
Message and data rates may apply.
You may opt out of text messages at any time by replying STOP.
You may reply HELP for assistance.
Carriers are not liable for delayed or undelivered messages.
Your consent to receive SMS messages applies only as described at the time consent is provided and as permitted by applicable law.
For information regarding how UCG handles mobile information and SMS consent data, please review our
Privacy Policy.
Referral Partner Program
Information about the UCG Referral Partner Program provided on the website is intended to explain the program generally.
Submitting a Referral Partner Sign-Up Form does not by itself establish an active Referral Partner relationship.
Participation in the program is subject to completion and acceptance of the applicable UCG Referral Partner Agreement and any required setup.
Referral compensation, attribution, eligibility, responsibilities, payment terms, and other program requirements are governed by the applicable Referral Partner Agreement rather than these website Terms.
If these Terms conflict with an executed Referral Partner Agreement, the applicable Referral Partner Agreement will control with respect to that relationship.
Referral and Campaign Tracking
UCG may use unique links, referral codes, cookies, or similar technologies to identify the source of website visitors, inquiries, and opportunities.
This information may be used for attribution, program administration, reporting, analytics, and other legitimate business purposes.
Additional information regarding tracking technologies and how information is handled is available in our
Privacy Policy.
Industry Insights and Third-Party Content
The UCG website may provide access to articles, research, news, resources, or other content published by third parties.
UCG may display limited information about third-party content, such as titles, excerpts, publication dates, images, or source information, and provide links to the original publisher.
Third-party content is provided for informational convenience.
Unless specifically stated otherwise:
- UCG did not create the third-party content
- Inclusion does not necessarily constitute endorsement
- UCG does not control or guarantee the accuracy or availability of third-party content
- Third-party websites are governed by their own terms and privacy practices
Visitors should review information from the original source before relying upon it.
Third-Party Services and Solution Providers
UCG may work with independent organizations that provide healthcare services, benefits, technology, professional services, employer solutions, or other offerings.
Unless expressly stated otherwise in an applicable agreement, third-party organizations are responsible for their own products, services, platforms, professional activities, terms, and privacy practices.
Availability of a solution through or in connection with UCG does not change the terms governing the underlying third-party service.
Users may be required to agree to separate terms or agreements before using certain services.
Intellectual Property
Unless otherwise indicated, the UCG website and UCG-created content—including text, graphics, branding, logos, design elements, documents, and other materials—are owned by or licensed to Universal Care Groups and are protected by applicable intellectual property laws.
You may access and use website content for legitimate personal or business informational purposes.
You may not, without appropriate authorization:
- Reproduce substantial portions of UCG website content
- Modify or create unauthorized derivative works from UCG materials
- Use UCG trademarks or branding in a misleading manner
- Represent yourself as UCG or as authorized to act on behalf of UCG
- Use UCG content for unlawful or deceptive purposes
Third-party trademarks, logos, articles, images, and other materials remain the property of their respective owners.
Acceptable Use
You agree not to use the UCG website to:
- Violate applicable laws or regulations
- Submit false, fraudulent, or misleading information
- Attempt unauthorized access to systems or data
- Interfere with website security or operation
- Introduce malicious software or harmful code
- Harvest information from the website through unauthorized means
- Impersonate another person or organization
- Use the website in a manner that infringes the rights of UCG or others
UCG may restrict access to the website where reasonably necessary to protect UCG, its systems, users, partners, or others.
Third-Party Links
The website may contain links to websites or services operated by third parties.
UCG provides these links for convenience and does not control the content, availability, security, terms, or privacy practices of those websites.
Your use of third-party websites is subject to the applicable third party’s terms and policies.
No Guarantees
UCG does not guarantee that:
- Every employer will qualify for or benefit from every UCG solution
- Any particular level of savings or financial impact will be achieved
- Every employee will use or receive the same value from available benefits
- Every healthcare provider, service, or solution will be available in every location
- Every Referral Partner introduction will result in a client relationship
- Every Strategic Partnership inquiry will result in a partnership
Results depend on numerous factors specific to the organization, program, participants, providers, and circumstances involved.
Disclaimer of Warranties
TO THE EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND WEBSITE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
UCG DISCLAIMS WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE WEBSITE OR WEBSITE CONTENT, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH DISCLAIMERS ARE PERMITTED BY LAW.
Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.
Limitation of Liability
TO THE EXTENT PERMITTED BY APPLICABLE LAW, UCG WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE OR WEBSITE CONTENT.
Nothing in these Terms limits liability that cannot legally be limited or excluded.
Future Marketplace and Digital Services
UCG may introduce additional website functionality in the future, including a marketplace, digital tools, user accounts, transactions, or other online services.
These Terms do not currently establish the specific terms governing functionality that has not yet launched.
New services may be subject to:
- Additional terms and conditions
- Marketplace terms
- Seller or provider terms
- Purchasing or transaction terms
- Refund or cancellation policies
- Account requirements
- Additional privacy notices
- Other agreements or disclosures
Where applicable, users will be presented with the terms governing those services when they become available.
Changes to These Terms
UCG may update these Terms periodically to reflect changes in our website, services, business practices, or legal requirements.
The Last Updated date at the top of this page will indicate when these Terms were most recently revised.
Your continued use of the website following an update is subject to the then-current Terms, except where applicable law requires additional notice or consent.
Governing Law
These Terms will be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict-of-law principles.
To the extent permitted by applicable law, any legal action or proceeding arising out of or relating to these Terms or your use of the UCG website will be brought in the state or federal courts located in Texas, and you consent to the jurisdiction of those courts.
Contact Us
Questions regarding these Terms may be directed to:
