Terms of Use and Privacy Policy

Last modified October 20, 2026

1. Introduction

This document governs the use of ricochetadvice.com and all services provided by Ricochet Advisory Services, LLC (“Ricochet“, “Academy“, “we”, “our” or “us”), including the Association Academy by Ricochet. By using our Site or attending our courses, you agree to these terms. If you do not agree to these terms, please discontinue use of the Site and services immediately.

2. Data Collection & Privacy

We collect personal data to promote and provide our consulting and educational services.

• What we collect: Name, email, job title, phone number, mobile number, ASAE ID Number, and other similar demographic information. We also collect technical data (IP addresses, browser type) via cookies and other technical methods.
• Data From Third-Party Services: We may add details to our records from third-party data services, such as a personal email address or mobile number linked to your work contact details. We use these added details only to match you to our advertising audiences. We do not send marketing email to an address we obtained this way.
• Children’s Privacy: Our services are not directed to individuals under the age of 13. We do not knowingly collect data from children under 13.
• “Do Not Track”: Please note that our Site does not currently respond to “Do Not Track” (DNT) signals from web browsers.
• State Rights: Residents of certain states, including Florida and California, may have specific rights to request access to or deletion of their personal data. Contact us to exercise these rights.

3. Event and Education Services

All webinars, classes, and events provided by Ricochet, including those by the Academy, are subject to the following:

• Anti-Harassment Policy: We maintain a zero-tolerance policy for harassment. Any student who engages in threatening, abusive, or harassing behavior toward our staff, instructors, or fellow students will be removed immediately.
• Right of Termination: We reserve the right to unenroll any student or terminate access to Academy materials at our sole discretion.
• Refund Policy: If a student is unenrolled due to a violation of our Anti-Harassment Policy or other misconduct, no refund will be issued. Any Academy course registration, less transaction fees, may be refunded before the second class in the course when requested by contacting us. If the Academy cancels a course, a full refund of the course fee will be provided. If the Academy cancels a single class within a course, refunds will be provided at the Academy’s discretion. Other refunds are at our discretion.
• Certificates & CAE Credits: While we reserve the right to terminate future access to our platform, we will not revoke CAE credits or certificates that a student has already earned and received prior to their termination.

4. Personal Data Management

• Opt-Out: You have the right to opt-out of marketing communications at any time by using the “unsubscribe” or “manage preferences” link in our emails or contacting us directly.
• Third Party Sharing: We may share data with business partners or affiliates to facilitate course delivery, provide relevant industry services, or for promotional purposes.
• Advertising and Audience Matching: We use contact lists from our records to show our ads to you on advertising platforms, including Meta (Facebook and Instagram) and AdRoll. Before a list leaves our systems, identifiers such as your email address, phone numbers and name are converted into a one-way code (hashed). The platform uses that code to find matching users and build the audience. We remove people from these audiences when they no longer fit, for example after they register for a course. Our Site and advertising partners also use cookies and similar technologies to show ads to people who have visited the Site.
• Opting Out of Ad Matching: You can ask us at any time to stop using your data for ad matching by contacting us directly. We will remove you from our advertising audiences and keep you out of future uploads.

5. Security and Data Retention

We retain your data for as long as is necessary to fulfill our business purposes or legal obligations. We use HubSpot and other industry-standard third-party providers to secure your information, though no transmission over the internet is 100% secure.

6. Legal Terms

• Intellectual Property: All logos, infographics, methodologies, educational resources, and website content provided by Ricochet are the exclusive property of Ricochet. Course materials are for your personal or professional use only and may not be recorded, reproduced, or redistributed without our express written permission.
• AI Training and Data Mining: You may not use any content on this Site, including text, images, infographics, videos and downloads, to train, fine-tune or develop artificial intelligence or machine learning models, or to build datasets for that purpose, without our express written permission. This applies to automated crawlers and to people. It does not restrict search engines and AI answer services from indexing our pages and citing them with a link, or individuals from using an AI tool to read or summarize a page for their own use.
• Governing Law: These terms and any disputes arising from your use of our services shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.
• Updates to Terms: We reserve the right to modify these terms at any time. Any changes will be effective immediately upon posting to this page. We encourage you to review this page periodically, as the “Last Updated” date at the top of this document will indicate when the most recent changes were made.