Privacy & Terms

Privacy & Terms

1. Introduction

1.1 We are committed to safeguarding the privacy of our website visitors and service users.

1.2 This policy applies when we are acting as a data controller regarding the personal data of our website visitors and service users; in other words, when we determine the purposes and means of processing that personal data.

1.3 We use cookies on our website. Insofar as those cookies are not strictly necessary for the provision of our website and services, by visiting our website, you consent to our use of cookies.

1.4 Our website incorporates privacy controls that affect how we will process your data. By using the privacy controls, you can determine whether or not you want to receive marketing communications from us by signing up for, or not signing up for, our email campaign(s). At the bottom of all email campaigns, you can click on the “unsubscribe” link if you no longer wish to receive communications from us.

1.5 In this policy, “we”, “us,” and “our” refer to RippleCC. For more information about us, see Section 13.

2. Credit

2.1 This document was created using a template from SEQ Legal (https://seqlegal.com).

3. How we use your data

3.1 In this Section 3, we have set out:

(a) The general categories of personal data that we may process;

(b) In the case of personal data that we did not obtain directly from you, the source and specific categories of that data;

(c) The purposes for which we may process personal data; and

(d) The legal bases of the processing.

3.2 We may process data about your use of our website and services (“usage data”). The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, and website navigation paths, as well as information about the timing, frequency, and pattern of your service use. The source of the usage data is Google Analytics. This usage data may be processed to analyze the use of the website and services. The legal basis for this processing is to monitor and improve our website and services.

3.3 We may process your account data. The account data may include your name and email address. The source of the account data is you or your employer. The account data may be processed to operate our website, provide our services, ensure the security of our website and services, maintain back-ups of our databases, and communicate with you. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

3.4 We may process your information included in your profile on our website (“profile data”). The profile data may include your name, address, phone number, email address, profile picture, gender, date of birth, relationship status, interests, hobbies, educational details, and employment details. The profile data may be processed to enable and monitor your use of our website and services. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

3.5 We may process the data you provide in the course of using our services (“service data”). The source of the service data is you or your employer. The service data may be processed to operate our website, provide our services, ensure the security of our website and services, maintain back-ups of our databases, and communicate with you. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

3.6 We may process information that you post for publication on our website or through our services (“publication data”). The publication data may be processed to enable such publication and administer our website and services. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

3.7 We may process information contained in any enquiry you submit to us regarding goods and/or services (“enquiry data”). The enquiry data may be processed for offering, marketing, and selling relevant goods and/or services to you. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

3.8 We may process information relating to our customer relationships, including customer contact information (“customer relationship data”). The customer relationship data may include your name, employer, job title or role, contact details, and information from communications between us and you or your employer. The source of the customer relationship data is you or your employer. The customer relationship data may be processed to manage our relationships with customers, communicate with them, keep records of these communications, and promote our products and services. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

3.9 We may process information relating to transactions, including purchases of goods and services, that you enter into with us and/or through our website (“transaction data”). The transaction data may include your contact information, card details, and transaction details. The transaction data may be processed to supply the purchased goods and services, and to keep proper records of those transactions. The legal basis for this processing is the performance of a contract between you and us, and/or taking steps at your request to enter into such a contract, as well as our legitimate interests, namely the proper administration of our website and business.

3.10 We may process information that you provide to us to subscribe to our email notifications and/or newsletters (“notification data”). The notification data may be processed to send you the relevant notifications and/or newsletters. The legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.

3.11 We may process information contained in or relating to any communication that you send to us (“correspondence data”). The correspondence data may include both the communication content and its associated metadata. Our website will generate the metadata associated with communications made using the website contact forms. The correspondence data may be processed to communicate with you and for record-keeping. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

3.12 We may process data, which may include the source of this data. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

3.13 We may process any of your data identified in this policy where necessary for the establishment, exercise, or defense of legal claims, whether in court proceedings or an administrative or out-of-court procedure. The legal basis for this processing is our legitimate interests, specifically the protection and assertion of our, your, and others’ legal rights.

3.14 We may process any of your data identified in this policy where necessary for obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice. The legal basis for this processing is our legitimate interests, namely the proper protection of our business against risks.

3.15 In addition to the specific purposes for which we may process your data set out in this Section 3, we may also process any of your data where such processing is necessary for compliance with a legal obligation to which we are subject, or to protect your vital interests or the vital interests of another natural person. 

3.16 Please do not supply any other person’s data to us unless we prompt you to do so.

4. Providing your data to others

4.1 We may disclose your data to any member of our group of companies (this means our subsidiaries, our ultimate holding company, and all its subsidiaries) insofar as reasonably necessary for the purposes, and on the legal bases, set out in this policy.

4.2 We may disclose your data to our insurers and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise, or defense of legal claims, whether in court proceedings or an administrative or out-of-court procedure.

4.3 We may disclose personal data to our suppliers or subcontractors, as reasonably necessary for the purposes, and on the legal bases outlined in this policy.

4.4 Our payment services providers may handle financial transactions relating to our website and services. We will share transaction data with our payment service providers only to the extent necessary for processing your payments, refunding them, and addressing complaints and queries related to these payments and refunds.

4.5 We may disclose your enquiry data to one or more of the third-party suppliers of goods and services identified on our website, to enable them to contact you and offer, market, and sell relevant goods and/or services to you. Each such third party will act as a data controller to the enquiry data that we supply to it, and upon contacting you, each such third party will supply to you a copy of its privacy policy, which will govern that third party’s use of your data.

4.6 In addition to the specific disclosures of personal data set out in this Section 4, we may disclose your data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or to protect your vital interests or the vital interests of another natural person. We may also disclose your data where such disclosure is necessary for the establishment, exercise, or defense of legal claims, whether in court proceedings or an administrative or out-of-court procedure.

5. International transfers of your data

5.1 In this Section 5, we provide information about the circumstances in which your data may be transferred to countries outside of the United States.

5.2 Appropriate safeguards will protect data transfers to any other country.

5.3 You acknowledge that personal data that you submit for publication through our website or services may be available, via the internet, around the world. We cannot prevent others from using (or misusing) such personal data.

6. Retaining and deleting personal data

6.1 This Section 6 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations about the retention and deletion of personal data.

6.2 Personal data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

6.3 In some cases, it is not possible for us to specify in advance the periods for which your data will be retained. In such cases, we will determine the period of retention based on the following criteria: (a) the period of retention of the personal data category will be determined by Google Analytics policy.

6.4 Notwithstanding the other provisions of this Section 6, we may retain your data where such retention is necessary for compliance with a legal obligation to which we are subject, or to protect your vital interests or the vital interests of another natural person.

7. Amendments

7.1 We may update this policy from time to time by publishing a new version on our website.

7.2 You should check this page occasionally to ensure you are happy with any changes to this policy.

7.3 We may notify you of significant changes to this policy by email or through the private messaging system on our website.

8. Your rights

8.1 In this Section 8, we have summarized the rights that you have under data protection law. Some of the rights are complex, and not all of the details have been included in our summaries. Accordingly, you should read the relevant laws and guidance from the regulatory authorities for a full explanation of these rights.

8.2 Your principal rights under data protection law are:

(a) the right to access;

(b) the right to rectification;

(c) the right to erasure;

(d) the right to restrict processing;

(e) the right to object to processing;

(f) the right to data portability;

(g) the right to complain to a supervisory authority; and

(h) The right to withdraw consent.

8.3 You have the right to confirmation as to whether we process your data and, if so, to access that data, along with certain additional information. That additional information includes details of the purposes for which the processing is done, the categories of personal data involved, and the recipients of the personal data. Providing the rights and freedoms of others are not affected, we will give you a copy of your data. The first copy will be provided free of charge, but additional copies may incur a reasonable fee.

8.4 You have the right to have any inaccurate personal data about you rectified and, taking into account the purposes of the processing, to have any incomplete personal data about you completed.

8.5 In some circumstances, you have the right to the erasure of your data without undue delay. Those circumstances include: the personal data are no longer necessary about the purposes for which they were collected or otherwise processed; you withdraw consent to consent-based processing; you object to the processing under specific rules of applicable data protection law; the processing is for direct marketing purposes; and the personal data have been unlawfully processed. However, there are exclusions to the right to erasure. The general exclusions include cases where processing is necessary: for exercising the right to freedom of expression and information; for compliance with a legal obligation; or the establishment, exercise, or defense of legal claims.

8.6 In some circumstances, you have the right to restrict the processing of your data. Those circumstances are: you contest the accuracy of the personal data; processing is unlawful but you oppose erasure; we no longer need the personal data for our processing, but you require personal data for the establishment, exercise or defense of legal claims; and you have objected to processing, pending the verification of that objection. Where processing has been restricted on this basis, we may continue to store your data. However, we will only process it otherwise with your consent, for the establishment, exercise, or defense of legal claims, for the protection of the rights of another natural or legal person, or for reasons of substantial public interest.

8.7 You have the right to object to our processing of your data on grounds relating to your particular situation, but only to the extent that the legal basis for the processing is that the processing is necessary for: the performance of a task carried out in the public interest or the exercise of any official authority vested in us; or the purposes of the legitimate interests pursued by us or by a third party. If you make such an objection, we will cease to process the personal information unless we can demonstrate compelling legitimate grounds for the processing which override your interests, rights, and freedoms, or the processing is for the establishment, exercise, or defense of legal claims.

8.8 You have the right to object to our processing of your data for direct marketing purposes, including profiling for direct marketing purposes. If you make such an objection, we will cease to process your data for this purpose.

8.9 You have the right to object to our processing of your data for scientific or historical research purposes or statistical purposes on grounds relating to your particular situation, unless the processing is necessary for the performance of a task carried out for reasons of public interest.

8.10 To the extent that the legal basis for our processing of your data is:

(a) consent; or

(b) If the processing is necessary for the performance of a contract to which you are a party or to take steps at your request before agreeing, and such processing is carried out by automated means, you have the right to receive your data from us in a structured, commonly used and machine-readable format. However, this right does not apply where it would adversely affect the rights and freedoms of others.

8.11 If you consider that our processing of your personal information infringes data protection laws, you have a legal right to complain with a supervisory authority responsible for data protection.

8.12 To the extent that the legal basis for our processing of your personal information is consent, you have the right to withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing that took place before the withdrawal.

8.13 You may exercise any of your rights about your data by written notice to us, or a message sent to us via our website.

9. About cookies

9.1 A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server every time the browser requests a page from it.

9.2 Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

9.3 Cookies do not typically contain any information that personally identifies a user. Still, personal information that we store about you may be linked to the information stored in and obtained from cookies.

10. Cookies that we use

10.1 We use cookies for the following purposes:

(a) authentication – we use cookies to identify you when you visit our website and as you navigate our website;

(b) status – we use cookies to help us determine if you are logged into our website;

(c) personalization – we use cookies to store information about your preferences and to personalize the website for you;

(d) security – we use cookies as an element of the security measures used to protect user accounts, including preventing fraudulent use of login credentials, and to protect our website and services generally;

(e) Advertising – we use cookies to help us display advertisements that will be relevant to you;

(f) analysis – we use cookies to help us analyze the use and performance of our website and services;

(g) cookie consent – we use cookies to store your preferences about the use of cookies more generally;

11. Cookies used by our service providers

11.1 Our service providers use cookies, which may be stored on your computer when you visit our website.

11.2 We use Google Analytics to track website usage. Google Analytics collects information about website use through cookies. The information gathered about our website is used to create reports on its use. Google’s privacy policy is available at: https://www.google.com/policies/privacy/.

11.3 We may publish Google AdSense interest-based advertisements on our website. Google tailors these to reflect your interests. To determine your interests, Google will track your behavior on our website and other websites across the web using cookies. You can view, delete or add interest categories associated with your browser by visiting: https://adssettings.google.com. You can also opt out of the AdSense partner network cookie using those settings or using the Network Advertising Initiative’s multi-cookie opt-out mechanism at: http://optout.networkadvertising.org. However, these opt-out mechanisms themselves use cookies, and if you clear the cookies from your browser, your opt-out will not be maintained. To ensure that an opt-out is maintained for a particular browser, you may want to consider using the Google browser plug-in available at: https://support.google.com/ads/answer/7395996.

12. Managing cookies

12.1 Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser and from version to version. You can, however ,obtain up-to-date information about blocking and deleting cookies via these links:

(a) https://support.google.com/chrome/answer/95647?hl=en (Chrome);

(b) https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);

(c) http://www.opera.com/help/tutorials/security/cookies/ (Opera);

(d) https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);

(e) https://support.apple.com/kb/PH21411 (Safari); and

(f) https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).

12.2 Blocking all cookies will hurt the usability of many websites.

12.3 If you block cookies, you will not be able to use all the features on our website.

13. Our details

13.1 This website is owned and operated by RippleCC.

13.2 We are located in Brownsburg, Indiana.

13.3 You can contact us:

(a) by telephone, the number published on our website;

(b) by email, using an email address published on our website (if applicable);

Terms & Conditions

RippleCC maintains this Site for your personal information, education, and communication. Please feel free to browse the Site. You may download material displayed on the Site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not, however, distribute, modify, transmit, reuse, repost, or use the content of the Site for public or commercial purposes, including the text, images, audio, and video, without RippleCC’s written permission. Your access to and use of the Site is also subject to the following terms and conditions and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, these Terms and Conditions. If you have any questions about this Site or these Terms and Conditions, please contact us.

Compliance with Laws

By downloading from or using the Site, you agree to comply with all applicable laws and regulations, including U.S. export and re-export control laws and regulations.

Refund Policy

If your account was charged improperly for any reason, please contact us.

Governing Law

Any controversy or claim arising out of or relating to these Terms and Conditions or this Site or the use thereof shall be governed in all respects by the laws of the Commonwealth of Pennsylvania, and any litigation, arbitration, or other dispute resolution proceedings shall take place in Lancaster, Pennsylvania.

Forward-Looking Statements

Information on the Site, other than historical financial information, may consist of forward-looking statements that involve risks and uncertainties. These statements may differ materially from actual future events or results. For instance, factors that could cause results to differ from these statements include the rate of adoption of new technology, competitive pricing actions, and marketing programs, among others.

No Warranty

THIS SITE AND ALL MATERIAL AND CONTENT ON THIS SITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. Without limiting the foregoing, RippleCC does not promise or warrant that any aspect of the Site or system will work properly or be available continuously. RippleCC also assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or audio from the Site. While RippleCC uses reasonable efforts to include accurate and up-to-date information in the Site, RippleCC DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE — USE, VALIDITY, ACCURACY, OR RELIABILITY OF, OR THE RESULTS OF THE — USE OF, OR OTHERWISE RESPECTING, THE MATERIALS AND CONTENT ON THIS SITE OR ANY SITES LINKED TO THIS SITE. Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.

Links to Third-Party Sites

Certain links in this Site will let you leave this Site for websites, web pages, or services not operated by RippleCC or its affiliates (“Third Party Sites”). Third-party sites are not under the control of RippleCC, and RippleCC is not responsible for the content of any linked Third-Party Site, or any link contained in a Third-Party Site, or any changes or updates to such Third-Party Sites. RippleCC is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by RippleCC of the site.

Right to Update

RippleCC may at any time revise these Terms & Conditions by updating this posting. Any such revisions bind you and should therefore periodically visit this page to review the then-current Terms & Conditions to which you are bound.

Website Legal Statements

RippleCC recognizes and respects the importance of maintaining the privacy of visitors to our Site. In these Terms and Conditions, we describe why we gather visitor information, what information we collect, how we collect it, what we use the information for, and how you can instruct us if you prefer to limit the use of that information.

How We Use the Information We Collect About You

RippleCC collects basic information about you when you complete our customer forms. RippleCC uses the information we collect from you to provide you with information you may find helpful.

Limits on RippleCC Abilities

A website such as this one can never be perfect. Thus, RippleCC may inadvertently use or disclose your information in ways not contemplated by these Terms & Conditions or even in direct contravention of them. For example, there could be a glitch in the software that could result in an unintended disclosure, or RippleCC might also make ad hoc use of your information in ways it can’t contemplate here. RippleCC will do its best to work with you if such situations arise, but your sole remedy in these cases is to have RippleCC try to rectify the problem as soon as it can. In addition, although highly unlikely, it is possible for Internet transmissions containing your personal information to be intercepted by others. RippleCC can’t ensure the privacy and security of all transmissions made to and from the Site while in transit. RippleCC does not control the privacy policies of the sites to which it provides links, and you should be aware that if you click through to such a site, you will be subject to that site’s privacy policies. RippleCC uses industry-standard methods of securing its database of user information, such as, if and where appropriate, firewalls and limits on who can access user information databases. However, please keep in mind that there is no such thing as perfect security on the Internet.

Corrections

If you would like to update or correct information previously provided to us, please email us your new information.

Your Consent and Changes to This Policy

Subject to the above provisions, by using our website, you consent to the collection and use of information by us. If we decide to change our Terms & Conditions, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we may disclose it.

Your Comments

RippleCC welcomes feedback concerning its Terms & Conditions. Please contact us with your comments and questions.