2. Collecting Personal Data and when we collect it
2.1 When we collect your Personal Data:
We receive and collect Personal Data from you when you provide us your information to signup to our newsletters, when you download our resources (such as reports), or when you contact us with a general inquiry.
We receive and collect Personal Data from third parties, such as service providers, ad networks and marketing agencies.
2.2 What personal data we collect or may collect:
(a) anonymous information about your computer and about your visits to and use of this Site (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths);
(b) information that you provide to us for the purpose of subscribing to our email newsletters (including your name and email address);
(c) information that you provide to us when using the Site, or that is generated in the course of the use of Site (including the timing, frequency and pattern of service use);
(e) information contained in or relating to any communications that you send to us or send through our Site (including the communication content and meta data associated with the communication);
(f) any other personal information that you choose to send to us;
(g) information contained in opt-in forms, that might also be used by authorized third parties;
(h) anonymous Cookies, advertising ID, and/or device ID to segment user groups for marketing purposes, and to execute retargeting campaigns in order to deliver personalized advertising by us or authorized third parties
2.2 Before you disclose to us the personal information of another person, you must obtain that person’s consent to both the disclosure and the processing of that personal information in accordance with this policy.
3. How we use your Personal Data
Personal information submitted to us through our Site will be used for the purposes specified in this policy or on the relevant pages of the Site.
We may use your personal information to:
(a) supply to you services purchased, subscribed to, or requested through our Site
(b) accessing resources you requested to read or download;
(c) send you notifications about events you have registered or requested to attend;
(d) send you email notifications that you have requested;
(e) send you our email newsletters (you can unsubscribe from our newsletter);
(f) send you marketing communications relating to our business or the businesses of trusted third-parties which we think may be of interest to you, by email or similar technology (you can unsubscribe from our marketing communications)
(g) send you relevant communications that we have a legitimate interest in sending you;
(h) provide third parties statistical information about our users;
(i) deal with enquiries and complaints made by or about you relating to our website;
(j) keep our website secure and prevent fraud;
3.1 If you submit personal information for publication on our websites, we will publish and otherwise use that information in accordance with the license you grant to us.
4. Disclosing personal information
We may disclose your personal information:
(a) to the extent that we are required to do so by law;
(b) in connection with any ongoing or prospective legal proceedings;
(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
(d) to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling; and
(e) to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.
(f) to third parties (sponsors) when you submit your data to access sponsored resources, including but not limited to ebooks, webinars, reports.
(g) to business partners and affiliates, so they can contact you in order to offer or promote products and services
Except as provided in this policy, we will not provide your personal information to third parties.
5. Outside links
5.1 Our website includes hyperlinks to, and details of, third party websites.
5.2 We have no control over, and are not responsible for, the privacy policies and practices of third parties.
6. Cookies and Pixels
6.1 Cookies and Pixels are information packets sent by web servers to web browsers, and stored by the web browsers.
6.2 The information is then sent back to the server each time the web browser requests a page from the web server. This enables a web server to identify and track web browsers.
6.3 There are two kinds of Cookies: session cookies and persistent cookies. Session cookies are deleted from your computer when you close your browser, whereas persistent cookies remain stored on your computer until deleted, or until they reach their expiry date.
6.4 Cookies on Our Site. We use or may use the following Cookies on this Site, for the following purposes:
(a) Social Media Cookies
(b) Analytics Cookies
(c) Ecommerce Cookies
(d) Marketing Automation Cookies<
(e) Advertising Retargeting Cookies
(f) Google Analytics Cookies
6.6 Refusing Cookies. Most browsers allow you to refuse to accept Cookies.
6.7 Blocking Cookies will have a negative impact upon the usability of our websites.
We may use remarketing service to target our or third party’s ads to you based on your prior use of the Site when you visit websites other than our own.
8. Security of your personal information
8.1 We will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.
8.2 You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
8.3 You are responsible for keeping any password you should use for accessing our website confidential; we will not ask you for your password (except when you log in to our website).
9. How long we keep your personal data
Your information we use for marketing purposes will be kept with us until you notify us that you no longer wish to receive this information.
11. Your rights
You may opt out of the use of your Personal Data for marketing purposes, cancel your subscriptions, delete your profile, delete your data altogether. You can also unsubscribe from any email where an unsubscribe or opt-out link is provided to discontinue marketing communications or cancel your subscriptions. Advise us if you wish to update or delete your profile or the Personal Data we hold about you by emailing us at transform @ ricochetadvice.com.
12. Children’s Privacy
Our Sites and services are not structured to attract children under the age of 16, and we do not intend to collect Personal Data from anyone we know to be under 16. If we learn that we have collected Personal Data from anyone under 16 years, we will delete that information immediately. If you believe that we might have any such information, please contact us at transform @ ricochetadvice.com.
13. Our details
12.1 This website is owned and operated by Ricochet Advisory Services, LLC.
12.2 We are registered in State of Florida.
12.3 You can contact us at transform @ ricochetadvice.com