Effective as of January, 2018
In the course of operating the Site and the Program, we will collect (and/or receive) the following types of information. You authorize us to collect and/or receive such information.
We may collect additional information (collectively, the “Other Information”). Such Other Information may include:
a. From You. Additional information about yourself that you voluntarily provide to us, such as personal interests, and your product and service preferences.
b. From Your Activity. Additional information that we automatically collect when you use the Site, including, without limitation:
c. About Your Device
If you do not want us to deploy cookies in your browser, you can opt out by setting your browser to reject cookies or to notify you when a website tries to put a cookie in your browser software. If you choose to disable cookies in your browser, you can still use the Site, although your ability to use some of the features may be affected.
For more information on these third parties, including how to opt out from certain data collection, please visit the following links:
For Facebook Ads: https://www.facebook.com/about/privacy
For Google Adwords: you can set preferences for how Google advertises to you using the Google Ad Preferences page https://adssettings.google.com/authenticated, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin
Please be advised that if you opt out of any service, you may not be able to use the full functionality of the Site.
f. From Other Sources. Additional information that we collect or receive from third-party sources in accordance with their privacy policies.
To learn more about targeted or interest-based advertising and the options you have, such as opting out, you may visit the Network Advertising Initiative and the Digital Advertising Alliance. Please note that, if you choose to opt out, you must do so in each web browser and on each device.
We use the Personal Information, Payment Information, and Other Information (collectively, “Information”) to provide you the Site, the Program, and our services, solicit your feedback, and to improve our services to you. Also, we may share Information as described below, to the extent not prohibited by Applicable Laws.
We may employ other companies and individuals to perform functions on our behalf. Examples may include companies and individuals providing credit check and Application review and assessment services, marketing assistance, information technology support, ID verification, maintaining database, and customer service. These other companies, including, without limitation, Plaid and CoreLogic Rental Property Solutions, LLC (“Corelogic”), will have access to the Information only as necessary to perform their functions and to the extent permitted by law. Our contracts with all such third parties require them to protect the confidentiality of the Information we provide to them.
We will not share your Personal Information with non-affiliated third parties that may use such information to market to you, without obtaining your opt-in consent. For example, we may offer you a product opportunity that requires us to share your Personal Information with non-affiliated third parties that may use such information to market to you. We will obtain your opt-in consent to such sharing of your Personal Information when we present you with the terms of such offer. If you have opted-in for this kind of sharing, then you may: (i) choose to opt-out of such sharing by contacting us at firstname.lastname@example.org; or (ii) request certain information regarding our disclosure of such information to such non-affiliated third parties by contacting us at email@example.com.
If you would like to opt-out of Ribbon’s sharing of your Information with its affiliates so that such affiliates can use your Information to market to you, please contact us at firstname.lastname@example.org.
If you would like to opt-out of Ribbon’s sharing of information about your creditworthiness with its affiliates for such affiliates’ everyday business purposes, please contact us at email@example.com.
We take commercially reasonable steps to protect the Information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. We maintain physical, electronic, and procedural safeguards that comply with applicable state and federal laws and regulations to guard non-public personal financial information from unauthorized access, use, and disclosure. Please understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that the Information you supply will not be intercepted while being transmitted to and from us over the Internet.
Ribbon shall comply with all Applicable Laws, including, without limitation, the Gramm-Leach-Bliley Act, California Civil Code § 1785.20.2 (if applicable), and all Applicable Laws relating to data privacy, data security, international communications, communications decency, and the importation and exportation of materials and data.
If you have registered for the Site by filling out an Application, you may access, review, and make changes to your Personal Information by following the instructions found on the Site. In addition, you may manage your receipt of marketing and non-transactional communications by clicking on the “unsubscribe” link located on the bottom of any Ribbon marketing email. Applicants cannot opt out of receiving transactional e-mails related to their account. We will use commercially reasonable efforts to process such requests in a timely manner. You should be aware, however, that it is not always possible to completely remove or modify information in our databases.
The Site and our servers are operated in the United States. Please be aware that your Information may be transferred to, processed, maintained, and used on computers, servers, and systems located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your country of origin. If you are located outside the United States and choose to use the Site, you do so at your own risk.
Under California Civil Code Section 1798.83, California residents who have an established business relationship with Ribbon may choose to opt out of our sharing your Personal Information with third parties for direct marketing purposes. If you are a California resident and (1) you wish to opt out; or (2) you wish to request certain information regarding our disclosure of your Personal Information to third parties for the direct marketing purposes, please send an e-mail to firstname.lastname@example.org.
In addition, Ribbon does not monitor, recognize, or honor any opt-out or do not track mechanisms, including general web browser “Do Not Track” settings and/or signals.