On our Website and through our App.
It does not apply to information collected by:Us offline or through any other means, including on any other website operated by the Company or any third party; orAny third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website and/or App.
Cookie – is defined as a small text file stored on a user’s device that may later be retrieved by a web server from the device. Cookies allow web servers to keep track of the user’s browser activities, and connect individual web requests into a session. Cookies can also be used to prevent users from having to be authorized for every password protected page they access during a session by recording that they have successfully supplied their user name and password already. Cookies may be referred to as “first-party” (if they are placed by the owner of the website that is visited) or “third-party” (if they are placed by a party other than the owner of the visited website). Generally, you can manage cookies in your browser. Each browser is different, so you will need to learn the options available to you in each browser. If you change your settings, use a different device, or change browsers, you will need to reset your cookie options.
Flash® Cookie – is defined as a data file that is stored in the user’s device by visiting a website that runs a Flash application. A Flash Cookie is also called a “local shared object” (LSO). Flash Cookies function like a cookie to personalize the user’s experience, except that a Flash Cookie can hold up to 100KB of data rather than only 4KB (see Cookie). Clearing cookies in the Web browser does not clear Flash Cookies. They must be cleared via Adobe® Flash Player settings.
Geo-Location Information – is defined as information that is “sufficient to identify the street name and name of the city or town” in which a device is located.
Internet Protocol (IP) Address – is defined as a unique string of numbers that identifies a computer on the Internet or other TCP/IP network. The IP address is expressed in four groups of up to three numbers, separated by periods, for example: 188.8.131.52. An address may be “dynamic,” meaning that it is assigned temporarily whenever a device accesses the Internet and consequently may be different each time a device connects. Alternatively, an address may be “static,” meaning that it is assigned to a particular device and does not change, but remains assigned to one computer or device.
Online Behavioral Advertising (“OBA”) – sometimes called “interest-based advertising,” OBA is defined as the practice of collecting data from a particular device regarding Internet viewing and usage behavior over time and across non-affiliated websites for the purpose of inferring user preferences or interests to later deliver advertising to that device based on those inferred preferences or interests.
Web Beacon – is a clear graphic image (typically one pixel in size) that is delivered through a web browser or HTML e-mail. The Web Beacon operates as a tag that records a user’s visit to a particular web page or viewing of a particular e-mail. It is also often used in conjunction with a Cookie and provided as part of a third-party tracking service. Web Beacons provide an ability to produce specific profiles of user behavior in combination with web server logs. Common usage scenarios for Web Beacons include online ad impression counting, file download monitoring, and ad campaign performance management. Web Beacons also can report to the sender which e-mails are read by recipients.
“You” and “your” – refers to the individual natural person who accesses or uses our Website and/or App.
2. Information Collected
(A) Personal Information Collected by the Company – this information may directly or indirectly identify particular individuals. This information may be provided through forms, surveys, applications or similar online fields. Examples may include your name, postal address, email address, telephone number, Social Security number, date of birth, or account information. We define this information as “Personal Information”. As part of providing online products or services, we may obtain Personal Information about our customers and other Website visitors or App users from the following sources:
Information we receive from you on applications, emails, or other forms;
Uploaded information: When you contact us using one of our online contact forms, we collect the messages you send as well as the Personal Information you provide, such as your name, phone number, and email address. If you upload any content including a customer testimonial related to using our Website and/or App, we also collect the Personal Information you submit at that time.Information about your transactions with the Company;
Information we receive from a consumer reporting agency; and Information that is generated electronically when you visit our Website or use our App.(B) Anonymous Information Collected by the Company and/or Service Providers – We, as well as our Service Providers, may collect general information about you which does not directly or indirectly identify you, and cannot reasonably be used to identify you. We define this information as “Anonymous Information.” Such information may include:
The Internet address (referral site) which brought you to our Website;
The date and time you access our Website or App;
The name and version of your web browser;
Your Internet Protocol (IP) address;
The pages or resources visited in our Website or App; and
The duration of your online session.Anonymous Information that is compiled from various sources and aggregated but which contains no Personal Information is “Aggregated Data.” The Company and certain Service Providers use Aggregated Data for various business purposes, including for data analytic and marketing purposes.
3. How We Use and Share Personal Information That We Collect
To contractors, Service Providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential;
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by the Company about our users is among the assets transferred;
To fulfill the purpose for which you provide it;
For any other purpose disclosed by us when you provide the information; orWith your consent.
We may also disclose your Personal Information:To comply with any court order, law, or legal process, including to respond to any government or regulatory request;
To enforce or apply our Terms of Service and other agreements, including for billing and collection purposes; orIf we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others.
4. How We Use and Share Anonymous Information That We Collect
(A) Online Tracking – The Company and certain Service Providers operating on our behalf may collect Anonymous Information about your activity on our Website or App using tracking technologies, including Cookies, Flash Cookies, Web Beacons (including Pixel tags, web bugs, clear GIFs and other similar technologies) for many purposes including, for example, to:
Provide useful features to simplify your experience when you return to our Website and App;
Deliver relevant content based on your preferences, usage patterns and location;Monitor and evaluate the use and operation of our Website and App; Analyze traffic on our Website and App; andMonitor and report Website and App trends.
If you would like to opt-out of use of your Anonymous Information for these purposes, you will need to (1) get the Google Analytics Opt-Out Browser Add-On, and (2) manage your preferences using our tracking manager.
The Company may use other technologies, such as the capture of screenshots while you are using our Website and/or App to understand how you navigate and use our Website and/or App. This information helps us to better understand how our Website and App are used and how to improve them.
We may associate this tracking data with your Personal Information, in which case we will treat it as Personal Information.From time to time, you may encounter online advertisements for our products and services on third-party websites. We may use third-party advertising Service Providers to distribute our advertisements on websites where we have paid to advertise. These advertisements may use certain tracking technology to capture information such as your IP address and browser type as well as your usage in order to track the effectiveness of our advertising.
(B) Online Behavioral Advertising (OBA) – We may work with Service Providers such as advertisers, publishers, and other businesses to deliver targeted or personalized ads to you that are more relevant to your use of a particular device. In order to target ads we create and use “audience segments.” These audience segments are based on Anonymous Information collected over time and across the Internet (e.g., websites visited, time spent on various sites and mobile applications). We also may combine Anonymous Information about you with Anonymous Information collected by Service Providers concerning your online behavior across websites and across devices. We use this Anonymous Information to determine or predict your characteristics, behavior, interests or preferences. Consumers benefit from receiving more relevant ads, while advertisers and publishers benefit from more effective advertising. We believe online behavioral advertising offers you an improved experience with online advertising.
(C) How to Opt-Out of Online Behavioral Advertising.If you receive one of our ads as a result of OBA, it may display an icon of one of our OBA Service Providers, such as AdChoices and Google Ads. By clicking on the icon, you will receive more information about OBA. You will also have the ability to opt-out from receiving targeted ads using OBA.
If you receive one of our ads on Facebook, you can also click the x or ˅ near the top right corner of the ad, then select Why am I seeing this? for options.
If you choose to opt-out, you may still receive online advertising from us. Opting-out through the steps listed above means only that the ads you do receive will not be based on OBA.
(D) Do Not Track – Certain browsers allow you to send “Do Not Track” or “DNT” requests to the websites you visit. Currently, we do not respond to a browser’s DNT requests.
5. Cross-Device Linking
We and/or our Service Providers may establish connections among related web browsers and devices (such as smartphones, tablets, computers, game consoles, and Internet-connected TVs) for targeted advertising, analytics, and reporting purposes. To achieve this we process information to help conclude that a particular computer or device is operated by the same user or household as another computer or device. These cross-device connections allow us to understand that a single user or household is accessing our content and/or services from multiple devices, and to synchronize content and advertising messages across those devices.
6. Children Under the Age of 16
Our Website and/or App are not intended for children under 16 years of age. No one under age 16 may provide any personal information to or on the Website and/or App. We do not knowingly collect Personal Information from children under 16. If you are under 16, do not use or provide any information on our Website and/or App or through any of their features, download the App, use any of the interactive or public comment features on the Website and/or App, or provide any information about yourself to us, including your name, address, telephone number, email address, or any user name you may use. If we learn we have collected or received Personal Information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at email@example.com.
California residents under 16 years of age may have additional rights regarding the collection of their Personal Information. Please see Section 8 for more information.
7. Cross-Border Transfer
Our Website and App are controlled and operated by the Company and is not intended to subject the Company to the laws or jurisdiction of any state, country, or territory other than that of the United States. We may store and process your Anonymous Information and Personal Information in any country where we have facilities or in which we engage Service Providers, and, by using our Website and App, you consent to the transfer of such information to countries outside of your country of residence, including the United States, which may have different data protection rules than those of your country.
8. Your California Privacy Rights
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our App that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to firstname.lastname@example.org.
9. Accessing and Correcting Your Information
You can review and change your Personal Information by logging into the Website and/or the App and visiting your account profile page. You may also send us an email at email@example.com to request access to, correct or delete any personal information that you have provided to us. We cannot delete certain Personal Information except by also terminating and deleting your Ruby account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
10. Data Security
We have implemented measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website and/or App, you are responsible for keeping the password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website and/or App like message boards. The information you share in public areas may be viewed by any user.Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted to our Website and/or App. We are not responsible for circumvention of any privacy settings or security measures contained on the Website and/or App.
12. Contact Us