1. Introduction
This Terms of Use and Privacy Policy set out the basis on which any personal data that we have collected about you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

This is the privacy policy (“Privacy Policy”) that governs how we, Ricochet Advisory Services, LLC (“we”, “our” or “us”), use Personal Data (defined below) that we collect, receive and store about individuals in connection with the use of the websites at the ricochetadvice.com domain that we operate (collectively, together with their sub-domains, content and services, the “Site”).

We ourselves do not host any of the Site. All hosting is done by third-party service providers that we engage. This means that data you provide us or that we collect from you (including any Personal Data, as defined below) – as further described in this Privacy Policy – is hosted with such third-party service providers on servers that they own or control. Regardless of where such third-party service providers are located, their servers may be located anywhere in the world. Your data may even be replicated across multiple servers located in multiple countries.

We review this Privacy Policy regularly. Occasionally we may need to make changes or additions to this Privacy Policy that may affect how we handle your data. We will post new versions of this Privacy Policy on our Site. We are committed to safeguarding the privacy of our Site visitors and readers; in this policy we explain how we will treat your personal information.

This Privacy Policy has been updated to ensure compliance with the General Data Protection Regulation (GDPR) and affecting residents of the EU and European Economic Area (EEA).

2. Collecting Personal Data and when we collect it
You are not legally obligated to provide us Personal Data and may do so at your own free will. If you do not agree to provide us with such data or have it processed by us or any of our authorized third parties or service providers, please simply do not enter our Site. We reserve the right to change this Privacy Policy at any time at our discretion. Such change will be effective immediately following posting of the revised Privacy Policy on the Site, and your continued use of the Site thereafter means that you accept those changes. For changes affecting opt-ins you will be asked to expressly give your consent.

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), when you contact us with a general inquiry, when you email us, or when you schedule a meeting with us.

We receive and collect Personal Data from your browser or mobile device about your use of the Site. We use log files and analytics tools to analyze trends, administer the Site, track users’ movement around the Site, and gather statistical data. We use Cookies and Pixels (as defined below) in order to provide and enhance our Site. We also collect limited data regarding your system and device, such as your mobile device id or browser preferences.

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
(i) Pixels that tell us what parts of the Site have been visited or measure the effectiveness of searches users perform on the Site. We may also use Cookies and Pixels in email messages to tell us whether emails have been opened and to inform retargeting campaigns.

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

6.5 Google Analytics. We use Google Analytics to analyze the use of this Site. Google Analytics generates statistical and other information about website use by means of Cookies. The information generated relating to our Site is used to create reports about the use of the Site. Google will store and use this information. Google’s privacy policy is available at: https://www.google.com/privacypolicy.html.

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.

7. Remarketing
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.

10. Amendments
10.1 We may update this Privacy Policy from time to time by publishing a new version on our website.

10.2 You should check this page occasionally to ensure you agree with any changes to this Privacy Policy.

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