Ripplenami Privacy Policy

Effective date: May 25, 2018 

RippleNami, Inc. (“us”, “we”, or “our”) operates the www.ripplenami.com website and the RippleNami web and mobile applications (the “Service”). 

Capitalized terms not defined herein shall have the meaning ascribed to it in the RippleNami, Inc. Terms and Conditions. 

There are many different ways the customer can use our Services. When the customer shares information with us, we can improve our Services offered to our customers, such as tailoring our Services to show relevant results. As the customer uses our Services, we want the customer to be clear how we are using information and the ways in which the customer can protect her/her/its privacy. This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. 

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions. 

Definitions 

Service
Service means the www.ripplenami.com website and the RippleNami mobile application operated by RippleNami 

Personal Data
Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession). 

Usage Data
Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit). 

Cookies
Cookies are small pieces of data stored on your device (computer or mobile device). 

Data Controller
Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed. 

For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data. 

Data Processors (or Service Providers)
Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller. 

We may use the services of various Service Providers in order to process your data more effectively. 

Data Subject (or User)
Data Subject is any living individual who is using our Service and is the subject of Personal Data. 

Information Collection and Use 

We collect several different types of information for various purposes to provide and improve our Service to you. 

Types of Data Collected 

Personal Data 

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to: 

  • • Email address 
  • • First name and last name 
  • • Phone number 
  • • Cookies and Usage Data 

Usage Data 

We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device (“Usage Data”). 

This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data. 

When you access the Service by or through a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data. 

Tracking Cookies Data 

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. 

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service. 

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service. 

Examples of Cookies we use: 

  • Session Cookies. We use Session Cookies to operate our Service. 
  • Preference Cookies. We use Preference Cookies to remember your preferences and various settings. 
  • Security Cookies. We use Security Cookies for security purposes. 

Web Beacons 

When we send emails to our customers, we will sometimes track who opened the emails and who clicked the links. We do that to measure our marketing campaign performance and to improve our features for specific segments of customers. To do this, we include single pixel gifs, also called web beacons, in emails we send. Web beacons allow us to collect information about when you open the email, your IP address, your browser or email client type, and other similar details. Reports are also available to us when we send you email, so we may collect and review that information. 

Analytics 

We may use analytics services to help analyze how users use the website. These analytics uses cookies and web beacons to collect and store information such as how often users visit the website, what pages they visit, what 

features they use, and what other sites they used prior to coming to the website. We use the information we get from analytics services to improve our website. 

Widgets 

We may include widgets from third parties on some pages of the website that allow interaction or information sharing by users. Some of these widgets provide specific services or content from a third party, such as a Facebook “Like” button. Your interaction with these widgets allows the third party to collect some information about you through cookies they placed on your device when you registered for their application or service. In some cases, the third party may recognize you through web beacons on our site or its cookies even when you do not interact with their application. Please visit the third-parties’ respective privacy policies to better understand their data collection practices. 

Information from Other Sources 

We may get more information about you, like name, age, and participation in social media websites, by searching the internet or querying third parties (we will refer to that information as Supplemental Member Information). We only collect data that is publicly available or provided by a third party according to its terms of use. 

Use of Data 

RippleNami uses the collected data for various purposes: 

  • To provide and maintain our Service 
  • To notify you about changes to our Service 
  • To allow you to participate in interactive features of our Service when you choose to do so 
  • To provide customer support 
  • To gather analysis or valuable information so that we can improve our Service 
  • To monitor the usage of our Service 
  • To detect, prevent and address technical issues 

Legal Basis for Processing Personal Data Under General Data Protection Regulation (GDPR) 

If you are from the European Economic Area (EEA), RippleNami legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it. 

RippleNami may process your Personal Data because: 

  • • We need to perform a contract with you 
  • • You have given us permission to do so 
  • • The processing is in our legitimate interests and it’s not overridden by your rights 
  • • To comply with the law 

Retention of Data 

RippleNami will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. 

RippleNami will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods. 

Transfer Of Data 

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. 

If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there. 

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. 

RippleNami will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information. 

Disclosure Of Data 

Legal Requirements 

RippleNami may disclose your Personal Data in the good faith belief that such action is necessary to: 

  • To comply with a legal obligation 
  • To protect and defend the rights or property of RippleNami 
  • To prevent or investigate possible wrongdoing in connection with the Service 
  • To protect the personal safety of users of the Service or the public 
  • To protect against legal liability 

Security Of Data 

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security. 

• We encrypt many of our Services using SSL. 

• We review our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to systems. 

• We restrict access to personal information to RippleNami employees, contractors and agents who need to know that information in order to process it for us, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations. 

Your Data Protection Rights Under General Data Protection Regulation (GDPR) 

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. RippleNami aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data. 

If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please contact us. 

In certain circumstances, you have the following data protection rights: 

  • The right to access, update or to delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you. 
  • The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete. 
  • The right to object. You have the right to object to our processing of your Personal Data. 
  • The right of restriction. You have the right to request that we restrict the processing of your personal information. 
  • The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format. 
  • The right to withdraw consent. You also have the right to withdraw your consent at any time where RippleNami relied on your consent to process your personal information. 

Please note that we may ask you to verify your identity before responding to such requests. 

You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA). 

Service Providers 

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used. 

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose. 

Analytics 

We may use third-party Service Providers to monitor and analyze the use of our Service. 

Google Analytics 

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. 

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: http://www.google.com/intl/en/policies/privacy/ 

Information we share 

We do not share personal information with companies, organizations and individuals outside of RippleNami unless one of the following circumstances applies: 

With the customer’s consent 

We will share personal information with companies, organizations or individuals outside of RippleNami when we have the customer’s consent to do so. We require opt-in consent for the sharing of any sensitive personal information. 

For external processing 

We provide personal information to our affiliates, third party vendors, consultants, service providers and trusted businesses or persons to process it for us, based on our instructions and in compliance with our Privacy Policy and any other appropriate confidentiality and security measures. 

For legal reasons 

We will share personal information with companies, organizations or individuals outside of RippleNami if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to: 

• meet any applicable law, regulation, legal process or enforceable governmental request. 

• enforce applicable Terms and Conditions, including investigation of potential violations. 

• detect, prevent, or otherwise address fraud, security or technical issues. 

• protect against harm to the rights, property or safety of RippleNami, our customers or the public as required or permitted by law. 

For RippleNami and customer protection 

We will share personal information to protect the rights and property of RippleNami, our agents, users, and others including to enforce our agreements, policies, and terms of use and in an emergency to protect the personal safety of any person. 

Business Transaction 

We will share personal information in connection with or during negotiation of any merger, financing, acquisition, bankruptcy, dissolution, transaction or proceeding involving sale, transfer, divestiture or disclosure of all or a portion of our business or assets to another company (“Business Transaction”). If RippleNami is involved in a Business Transaction, we will use our best efforts to continue to safeguard the confidentiality of any personal information at similar or stronger levels as provided in this Privacy Policy and give affected users notice before personal information is transferred or becomes subject to a different privacy policy, such as the privacy policy of the acquiror. We will notify you of the change either by sending you an email or posting a notice on our website. 

We may share aggregated, non-personally identifiable information publicly and with our partners – like publishers, advertisers or connected sites. 

Information choices and changes 

You may “opt-out” of receiving our promotional emails by following the instructions in those emails. If you opt out, we may still send you non-marketing emails. Non-marketing emails include emails about your accounts and our business dealings with you. You may send requests about your personal information to our contact information below. You may request to change your contact preferences and update your personal information. 

When you visit our website, you will have the following choices about use of mechanisms for tracking including tracking of your online activities over time and across different websites and online services by third parties. Most web browsers are set to accept cookies by default. If you prefer, as previously mentioned, you can typically remove and reject cookies from our website with your browser settings. If you remove or reject our cookies, it could affect how our website and Services work for you. You can choose to opt-out of use of cookies by certain third-party analytics providers as well. If you delete your cookies, use a different browser, or buy a new computer, you will need to renew your opt-out choice. While you have choices described in this Privacy Policy, there are many ways web browser signals, including Do Not Track signals, and other similar mechanisms can indicate your choice to disable tracking, and we may not be aware of or honor every mechanism. 

Links To Other Sites 

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. 

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services. 

Children’s Privacy 

Our Service does not address anyone under the age of 18 (“Children”). 

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If 

we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers. 

Changes To This Privacy Policy 

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. 

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy. 

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. 

Contact Us 

We welcome your comments or questions about this Privacy Policy. You may contact us at our address: 

RippleNami, Inc.
Attention: Legal Department
P.O. Box 1161
2027 Newcastle Avenue
Cardiff-by-the-Sea, CA 92007 

legal@ripplenami.com