Effective Date: April 23, 2015

Capitalized terms not defined herein shall have the meaning ascribed to it in the RippleNami, Inc. Terms and Conditions.

There are many different ways the customer can use our Services. When the customer shares information with us, we can improve our Services offered to our customers, such as tailoring our Services to show relevant results. As the customer uses our Services, we want the customer to be clear how we are using information and the ways in which the customer can protect her/her/its privacy.

Our Privacy Policy includes:

  • Information we collect

  • How we use information we collect

  • Information we share

  • Information security

  • Information choices and changes

  • Our contact information

  • When this Privacy Policy applies

  • Compliance and cooperation with regulatory authorities

  • Changes

Information we collect

We collect information to provide better Services to all of our customers. We typically collect information in one of two ways:

  • Information the customer gives us. For example, many of our Services require the customer to sign up for an account or create a user profile. When the customer does so, we may ask for personal information, like the customer's name, email address, telephone number and other personal information.

  • Information we get from the customer's use of our Services and website. We collect information about the Services that the customer uses and how the customer uses them. For example, we may log your computer or device operating system type, IP address, browser type, browser language, the website you visited before browsing to our website, pages you viewed, access times, and information about your use of and actions on our website.

    This information may include:

    Cookies. We may automatically collect information using "cookies." Cookies are small data files stored on your hard drive by a website. Among other things, cookies help us make our website and your experience better. We use those cookies to collect information about when you visit our website, when you use the Services, your browser type and version, your operating system, and other similar information. You may turn off cookies that have been placed on your computer by following the instructions on your browser, but if you block our cookies, it may be more difficult (and maybe even impossible) to use the Services.

    Web Beacons.When we send emails to our customers, we will sometimes track who opened the emails and who clicked the links. We do that to measure our marketing campaign performance and to improve our features for specific segments of customers. To do this, we include single pixel gifs, also called web beacons, in emails we send. Web beacons allow us to collect information about when you open the email, your IP address, your browser or email client type, and other similar details. Reports are also available to us when we send you email, so we may collect and review that information.

    Analytics.We may use analytics services to help analyze how users use the website. These analytics uses cookies and web beacons to collect and store information such as how often users visit the website, what pages they visit, what features they use, and what other sites they used prior to coming to the website. We use the information we get from analytics services to improve our website.

    Widgets. We may include widgets from third parties on some pages of the website that allow interaction or information sharing by users. Some of these widgets provide specific services or content from a third party, such as a Facebook "Like" button. Your interaction with these widgets allows the third party to collect some information about you through cookies they placed on your device when you registered for their application or service. In some cases, the third party may recognize you through web beacons on our site or its cookies even when you do not interact with their application. Please visit the third-parties' respective privacy policies to better understand their data collection practices.

    Information from Other Sources. We may get more information about you, like name, age, and participation in social media websites, by searching the internet or querying third parties (we will refer to that information as Supplemental Member Information). We only collect data that is publicly available or provided by a third party according to its terms of use.

How we use information we collect

We use the information we collect from all of our Services and website to provide, maintain, protect and improve them, to develop new ones, and to protect RippleNami and our customers. We also use this information to offer our customers tailored content.

When the customer contacts RippleNami, we keep a record of the customer's communication to help solve any issues the customer might be facing. We may use the customer's email address to inform them about our Services, such as letting the customer know about upcoming changes, new products and services or improvements.

We use information collected from cookies and other technologies to improve user experience and the overall quality of our Services.

Our systems analyze customer content (including emails) to provide customers relevant product features, such as customized search results. We will ask for customer consent before using information for a purpose other than those that are set out in this Privacy Policy.

RippleNami processes personal information on our servers in many countries around the world and we may process customer information on a server located outside the country where the customer is located.

Information we share

We do not share personal information with companies, organizations and individuals outside of RippleNami unless one of the following circumstances applies:

  • With the customer's consent

    We will share personal information with companies, organizations or individuals outside of RippleNami when we have the customer's consent to do so. We require opt-in consent for the sharing of any sensitive personal information.

  • For external processing

    We provide personal information to our affiliates, third party vendors, consultants, service providers and trusted businesses or persons to process it for us, based on our instructions and in compliance with our Privacy Policy and any other appropriate confidentiality and security measures.

  • For legal reasons

    We will share personal information with companies, organizations or individuals outside of RippleNami if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to:

    • meet any applicable law, regulation, legal process or enforceable governmental request.
    • enforce applicable Terms and Conditions, including investigation of potential violations.
    • detect, prevent, or otherwise address fraud, security or technical issues.
    • protect against harm to the rights, property or safety of RippleNami, our customers or the public as required or permitted by law.

  • For RippleNami and customer protection

    We will share personal information to protect the rights and property of RippleNami, our agents, users, and others including to enforce our agreements, policies, and terms of use and in an emergency to protect the personal safety of any person.

  • Business Transaction

    We will share personal information in connection with or during negotiation of any merger, financing, acquisition, bankruptcy, dissolution, transaction or proceeding involving sale, transfer, divestiture or disclosure of all or a portion of our business or assets to another company ("Business Transaction"). If RippleNami is involved in a Business Transaction, we will use our best efforts to continue to safeguard the confidentiality of any personal information at similar or stronger levels as provided in this Privacy Policy and give affected users notice before personal information is transferred or becomes subject to a different privacy policy, such as the privacy policy of the acquiror. We will notify you of the change either by sending you an email or posting a notice on our website.

We may share aggregated, non-personally identifiable information publicly and with our partners – like publishers, advertisers or connected sites.

Information security

We work hard to protect RippleNami and our customers from unauthorized access to or unauthorized alteration, disclosure or destruction of information we hold. In particular:

  • We encrypt many of our Services using SSL.

  • We review our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to systems.

  • We restrict access to personal information to RippleNami employees, contractors and agents who need to know that information in order to process it for us, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.

Information choices and changes

You may "opt-out" of receiving our promotional emails by following the instructions in those emails. If you opt out, we may still send you non-marketing emails. Non-marketing emails include emails about your accounts and our business dealings with you. You may send requests about your personal information to our contact information below. You may request to change your contact preferences and update your personal information.

When you visit our website, you will have the following choices about use of mechanisms for tracking including tracking of your online activities over time and across different websites and online services by third parties. Most web browsers are set to accept cookies by default. If you prefer, as previously mentioned, you can typically remove and reject cookies from our website with your browser settings. If you remove or reject our cookies, it could affect how our website and Services work for you. You can choose to opt-out of use of cookies by certain third-party analytics providers as well. If you delete your cookies, use a different browser, or buy a new computer, you will need to renew your opt-out choice. While you have choices described in this Privacy Policy, there are many ways web browser signals, including Do Not Track signals, and other similar mechanisms can indicate your choice to disable tracking, and we may not be aware of or honor every mechanism.

Our contact information

We welcome your comments or questions about this Privacy Policy. You may contact us at our address:

RippleNami, Inc.
Attention: Legal Department
1220 Rosecrans St., PMB 804
San Diego, CA 92106

When this privacy policy applies

Our Privacy Policy applies to all of the services offered by RippleNami, Inc. and its affiliates.

Our Privacy Policy does not apply to services offered by other companies or individuals, including products or sites that may be displayed to our customers within our Services, sites that may include our Services, or other sites linked from our Services. Our Privacy Policy does not cover the information practices of other companies and organizations who advertise our Services. This Privacy Policy does not apply to websites or services owned and operated by RippleNami that post different privacy policy statements.

Compliance and cooperation with regulatory authorities

We regularly review our compliance with our Privacy Policy. When we receive formal written complaints, we will contact the person who made the complaint to follow up. We work with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that we cannot resolve with our customers directly.


Our Privacy Policy may change from time to time. We will post any Privacy Policy changes on this page and change the "Effective Date" above. If the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of Privacy Policy changes to your last known email address we have on-file). We will also keep prior versions of this Privacy Policy in an archive for customer review.