What Personal Information We Disclose and To Whom

If you send us correspondence by email or text message, we may disclose the content of such communications to our clients (i.e., various campaigns) in order to assist them and provide our Services.

In addition to the above, in certain circumstances, as permitted by law, we might disclose some Personal Information without an explicit authorization from you. For example, we may disclose your Personal Information to law enforcement and similar authorities to comply with applicable law or legal process, protect our interests, or prevent or prosecute fraud. Your Personal Information may also be transferred in connection with, or during negotiations of, any merger, acquisition, sale of assets, or any line of business, change in ownership control, or financing transaction. We do not use or disclose your sensitive Personal Information for any purposes other than those permitted by law.

We do not “sell” or “share” your Personal Information for monetary or other valuable consideration. 

How Long We Retain Your Personal Information

We may retain each category of Personal Information for as long as needed or permitted based on your relationship with us, our legal obligations, and our need to retain the information for normal business purposes, including marketing. The criteria we use to determine our retention period includes:

• How long the Personal Information is needed to provide our Services;

• The type of Personal Information collected;

• How recently you engaged with us and the nature of that engagement;

• Whether we are legally or contractually required to maintain your information for a certain period of time; and

• Other legal considerations (e.g., statutes of limitations).
  

Digital Technologies

We use digital tracking technology to gather information about you when you interact with the Site or our Services. Certain information about your use of our Services may be collected automatically through the use of digital tracking technology, including, but not limited to:

• Details of your visits to and information generated in the course of your use of the Site (including the timing, frequency, and pattern of service use) including, but not limited to, traffic data, location data, weblogs and other communication data, the resources that you access, and how you reached our Site;

• Details regarding the device you use to access our Services, including but not limited to your operating system, and browser type; and

• Information about how you interact with our communications, including whether you open or click links in any correspondence.

Among other cookies, we use Google Analytics. You can learn more about how those cookies work by visiting “How Google uses information from sites or apps that use our services,” located at https://policies.google.com/technologies/partner-sites. You may install a Google Analytics Opt-out Browser Add-on by visiting https://tools.google.com/dlpage/gaoptout.

We rely on partners, such as Google Analytics, to provide many features of our Site and Services and provide us data about your use. This information may be collected through cookies, web beacons, and other tracking technologies, as well as through your web browser or device. These tracking technologies may be used for analytics purposes, which allows us to understand how our Services are being used, track site performance, and make improvements.

Your browser or device may include “Do Not Track” functionality. At this time, we do not alter our Site’s data collection and use practices in response to Do Not Track signals. Because we do not engage in the “selling” or “sharing” of Personal Information or engage in cross-context behavioral advertising, we do not process opt-out preference signals. 

Your Rights and Abilities

Your rights and choices vary by the jurisdiction in which you reside. If you are the resident of a state that has enacted a law granting its residents certain rights with respect to their Personal Information (i.e., AL, CA, CO, CT, DE, IN, IA, KY, MD, MN, MT, NE, NH, NJ, OK, OR, RI, TN, TX, UT, and VA), you may have the right to:

• Know the Personal Information being processed about you;

• Access your Personal Information, including receiving a copy in a portable format;

• Correct inaccurate Personal Information;

• Delete your Personal Information (subject to certain exceptions);

• Not receive discriminatory treatment for exercising your privacy rights; and 

• Opt-out of the sale or sharing of your Personal Information, including for purposes of targeted advertising, if we were selling or sharing your Personal Information.

In addition to these rights, residents of certain states may have additional rights, including:

• If you are a resident of California, you have the right to access and/or opt-out of the use of automated-decision making technology in certain instances, if we use such technology; 

• If you are a resident of Connecticut, you would have the right to obtain a list of the specific third parties to which we had sold your Personal Information, if we were selling your Personal Information;

• If you are a resident of Delaware, Minnesota, or Oregon, you have the right to obtain a list of the specific third parties to which we have disclosed your Personal Information;

• If you are a resident of Maryland, you have the right to obtain a list of the categories of third parties to which we have disclosed your Personal Information; and

• If you are a resident of Tennessee, you have the right to request that we provide you with (1) the categories of Personal Information about you that we have sold, (2) the categories of third parties to which we have sold your Personal Information, and (3) the categories of Personal Information about you that we have disclosed for a business purpose.

If you are the resident of a state that grants its consumers the right to appeal privacy request decisions (i.e., CO, CT, DE, IN, IA, KY, MD, MN, MT, NE, NH, NJ, OK, OR, RI, TN, TX, and VA) and do not agree with our decision regarding your request, you may appeal our decision by emailing us at roi@ripple-fx.com.

How to Exercise Your Rights

If you are a resident permitted to make a request, or an authorized agent of one, you can email your request to roi@ripple-fx.com, call us at ‪(855) 747-7530‬, or complete the webform located at https://www.ripple-roi.com/personal-rights-and-request-form.

Please note that we may require authorized agents to provide proof that the consumer on whose behalf they are acting gave them signed permission to submit the request.

Following your request, we will take reasonable steps to verify your identity, including asking you to provide us with information to confirm your identity (e.g., your zip code, email address, and phone number). If you are an agent authorized to make a request on an individual’s behalf, please indicate that when submitting your request. Agents must generally provide a signed authorization evidencing their authority to act on behalf of another individual.

Children’s Information

Our Site and Services are intended for users age 16 and over. We do not knowingly collect Personal Information from children under 16 and therefore, we do not sell or share such Personal Information. If you are under 16, do not use or provide any Personal Information on the Site. If we learn we have collected or received Personal Information from a child under 16 without verification of parental consent, we will delete that Personal Information. If you have reason to believe that your child has provided us with their Personal Information, please email us at roi@ripple-fx.com. We do not knowingly solicit or accept Personal Information from individuals under 13 years old.

Safeguarding Personal Information We Collect

Although no website, app, platform, or business is 100 percent secure, the security and confidentiality of your Personal Information is important to us, so we take administrative, technical, and physical measures to protect the Personal Information you provide to us.

Third-Party Sites

Our Site or communications may contain links to other websites not operated or controlled by us ("Third-Party Sites"). The practices set forth herein do not apply to any Third-Party Sites, and our linking to any Third-Party Sites should not be taken as an endorsement. If you visit or provide Personal Information to linked Third-Party Sites, the Personal Information is stored on their servers and is governed by their privacy policies. We encourage you to review those privacy policies and contact the website operator if you have questions or concerns about them.

Policy Updates

We may amend this Privacy Policy at any time in our sole discretion. If we do, we will update the “Effective Date” section at the top of the Privacy Policy. Please re-visit this page periodically to stay aware of any changes. Your continued use of our Services or engagement with us after a revised privacy policy becomes effective indicates that you have read, understood, and agreed to the revised privacy policy.

Contact Us

If you have any questions or concerns related to our Privacy Policy and procedures, please contact us by phone at ‪(201) 580-6895‬ or by email at roi@ripple-fx.com.