Privacy Policy

Last modified: 07.16.2023

1. Introduction

Welcome to Ribbon Financial

Ribbon Financial (“us,” “we,” or “our”) operates https://trustribbon.com and Ribbon web application (from now on referred to as “Service”).

Our Privacy Policy governs your visit to https://trustribbon.com/privacy-policy and Ribbon web application and explains how we collect, safeguard and disclose information that results from your use of our Service.

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

Our Terms and Conditions (“Terms”) govern all use of our Service and, together with the Privacy Policy, constitute your agreement with us (“Agreement”).

2. Definitions

SERVICE means the https://trustribbon.com website and Ribbon web application operated by Ribbon Financial

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 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 are small files stored on your device (computer or mobile device).

DATA CONTROLLER means a natural or legal person who (alone or jointly or in common with other persons) determines the purposes for which and how any personal data are, or are to be, processed. For this Privacy Policy, we are a Data Controller of your data.

DATA PROCESSORS (OR SERVICE PROVIDERS) 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 to process your data more effectively.

DATA SUBJECT is any living individual who is the subject of Personal Data.

THE USER is the individual using our Service. The User corresponds to the Data Subject, the subject of Personal Data.

3. Information Collection and Use

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

4. 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:

(a) Email address

We may use your Data to contact you with newsletters, marketing or promotional materials, and other information that may interest you. You may opt out of receiving any or all of these communications from us by following the unsubscribe link.

Usage Data

We may also collect information that your browser sends whenever you visit our Service or access the Service 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 Service with a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device's 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 a 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. Other tracking technologies, such as beacons, tags, and scripts, are also used to collect and track information and 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 be unable to use some portions of our Service.

Examples of Cookies we use:

(a) Session Cookies: We use Session Cookies to operate our Service.

(b) Preference Cookies: We use Preference Cookies to remember your preferences and settings.

(d) Advertising Cookies: Advertising Cookies serve you with advertisements relevant to your interests.

5. Use of Data

Ribbon Financial uses the collected data for various purposes:

(a) To provide and maintain our Service;

(b) to notify you about changes to our Service;

(d) to provide customer support;

(e) To gather analysis or valuable information so that we can improve our Service;

(f) to monitor the usage of our Service;

(g) to detect, prevent and address technical issues;

(h) To fulfill any other purpose for which you provide it;

(i) To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection;

(j) to provide you with notices about your account and subscription, including expiration and renewal notices, email instructions, etc.;

(k) To provide you with news, special offers, and general information about other goods, services, and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information;

(l) In any other way we may describe when you provide the information;

(m) For any other purpose with your consent.

6. Retention of Data

We 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.

We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period, 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.

7. Transfer of Data

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

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

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

Ribbon Financial will take all the steps reasonably necessary to ensure that your data is treated securely and by 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.

8. Disclosure of Data

We may disclose personal information that we collect or you provide:

(a) Disclosure for Law Enforcement.

Under certain circumstances, we may be required to disclose your Data if required by law or in response to valid requests by public authorities.

(b) Business Transaction.

If we or our subsidiaries are involved in a merger, acquisition, or asset sale, your Data may be transferred.

(i) To our subsidiaries and affiliates;

9. 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.

10. Your Data Protection Rights under the California Privacy Protection Act (CalOPPA)

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivable the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating precisely the data being collected and those individuals with whom it is being shared and to comply with this policy. – See more at: https://consumercal.org/about-cfc/cfc-education-foundation/california-online-privacy-protection-act-caloppa-3/

According to CalOPPA, we agree to the following:

(a) Users can visit our site anonymously;

(b) Our Privacy Policy link includes the word “Privacy” and can easily be found on the page specified above on the home page of our website;

(d) Users can change their personal information by emailing us at support@trustribbon.com.

Our Policy on “Do Not Track” Signals:

We honor Do Not Track signals and do not track, plant cookies, or use advertising when a Do Not Track browser mechanism is in place. Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.

You can turn on or off Do Not Track by visiting your web browser's Preferences or Settings page.

11. Your Data Protection Rights under the California Consumer Privacy Act (CCPA)

As a California resident, you can learn what data we collect about you, ask to delete your data, and not sell (share) it. To exercise your data protection rights, you can make specific requests and ask us:

(a) What personal information do we have about you. If you make this request, we will return to you:

(i) The categories of personal information we have collected about you.

(ii) The categories of sources from which we collect your personal information.

(iii) The business or commercial purpose for collecting or selling your personal information.

(iv) The categories of third parties we share personal information with.

(v) The specific personal information we collected about you.

(vi) A list of categories of personal information we have sold and the type of any other company we sold it to. If we have yet to sell your data, we will inform you.

(vii)We have disclosed a list of categories of personal information for business purposes and the type of other company we shared it with.

Please note that you are entitled to ask us to provide you with this information up to two times in a rolling twelve-month period. When you make this request, the information provided may be limited to the personal information we collected about you in the previous 12 months.

(b) To make this request, we will delete the personal information we hold records of and direct any service providers to do the same. In some cases, deletion may be accomplished through de-identification of the data. If you delete your personal information, you may be unable to use certain functions that require your personal information.

(c) Stop selling your personal information. We don't sell or rent your personal information to any third parties for any purpose. You are the only owner of your Personal Data and can request disclosure or deletion anytime.

Please note that if you ask us to delete or stop selling your data, it may impact your experience with us, and you may not be able to participate in specific programs or membership services which require the usage of your personal information to function. But in no circumstances will we discriminate against you for exercising your rights.

To exercise your California data protection rights described above, please send your request(s) by one of the following means:

By email: support@trustribbon.com

Your data protection rights, described above, are covered by the CCPA, short for the California Consumer Privacy Act. To find out more, visit the official California Legislative Information website. The CCPA took effect on 01/01/2020.

12. Service Providers

We may employ third-party companies and individuals to facilitate our Service (“Service Providers”), provide Service on our behalf, perform Service-related services, or 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.

13. 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 website traffic. Google uses the data collected to track and monitor our Service usage. This data is shared with other Google services. Google may use the collected data to contextualize and personalize its advertising network.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en.

We also encourage you to review Google's policy for safeguarding your data: https://support.google.com/analytics/answer/6004245.

Cloudflare analytics

Cloudflare Analytics is a web analytics service operated by Cloudflare Inc. Read the Privacy Policy here: https://www.cloudflare.com/privacypolicy/

14. CI/CD tools

We may use third-party Service Providers to automate the development process of our Service.

GitHub

GitHub, Inc provides GitHub.

GitHub is a development platform to host and review code, manage projects, and build software.

For more information on what data GitHub collects for what purpose and how data protection is ensured, please visit the GitHub Privacy Policy page: https://help.github.com/en/articles/github-privacy-statement.

Seed

Provided by Anomaly Innovations, Inc.

Anomaly Innovations is a CI/CD development platform used for software deployment.

For more information on what data Anomaly Innovations collect for what purpose and how the protection of the data is ensured, please visit the Anomaly Innovations Privacy Policy page:

https://seed.run/legal/privacy-policy.

15. Behavioral Remarketing

Ghol Finance, Inc uses remarketing services to advertise on third party websites to you after you visit our Service. Our third-party vendors and we use cookies to inform, optimize and serve ads based on your past visits to our Service.

Google Ads (AdWords)
Google Ads (AdWords) remarketing service is provided by Google Inc.

You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads

Google also recommends installing the Google Analytics Opt-out Browser Add-on – https://tools.google.com/dlpage/gaoptout – for your web browser. Google Analytics Opt-out Browser Add-on allows visitors to prevent their data from being collected and used by Google Analytics.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Twitter
Twitter remarketing service is provided by Twitter Inc.

You can opt-out from Twitter's interest-based ads by following their instructions: https://support.twitter.com/articles/20170405

You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page: https://twitter.com/privacy

Facebook
Facebook remarketing service is provided by Facebook Inc.

You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950

To opt-out from Facebook's interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217

Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.

For more information on the privacy practices of Facebook, please visit Facebook's Data Policy: https://www.facebook.com/privacy/explanation

16. Payments

We may provide paid products and/or services within Service. In that case, we use third-party services for payment processing (e.g. payment processors).

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors, whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express, and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

The payment processors we work with are:

Stripe:
Their Privacy Policy can be viewed at: https://stripe.com/us/privacy

17. Links to Other Sites

Our Service may contain links to other sites not operated by us. If you click a third-party link, you will be directed to that third-party 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.

18. Children's Privacy

Our Services are not intended for use by children under the age of 18 (“Child” or “Children”).

We do not knowingly collect personally identifiable information from children under 18. Please contact us if you become aware that a Child has provided us with Personal Data. 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.

19. 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 before the change becomes 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. This Privacy Policy changes are effective when posted on this page.

20. Contact Us

If you have any questions about this Privacy Policy, please get in touch with us:

By email: hello@trustribbon.com.