www.ramseysolutions.com Open in urlscan Pro
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RAMSEY SOLUTIONS PRIVACY POLICY

APRIL 14, 2022

Ramsey Solutions Privacy Policy

The Lampo Group, LLC d/b/a Ramsey Solutions (“Ramsey Solutions,” “we” “our” or
“us”) is committed to protecting your privacy, and in doing so, we want to make
sure that this Privacy Policy (“Policy”) is clear and concise enough for you to
understand it. This Policy discloses our privacy practices and how we may use
the information that we gather on our digital properties, including but not
limited to: websites, online platforms, mobile applications, web services,
services, and products owned by Ramsey Solutions (the “Sites”). We hope that as
you read through the Policy, you will become comfortable using the Sites and
learn how Ramsey Solutions is here to help you. Our intention was not to make
this a lengthy Policy with pages of text for you to read through, but we wanted
to make sure that you were given enough information to put your mind at ease
about your privacy. After all, we created this Policy for the purpose of
protecting your privacy and the information you provide to us.

By using our Sites or voluntarily providing personal information to us, you
consent to the terms and conditions of this Policy. This Policy applies to
information collected by our Sites and contains the following:

 1. A list of the categories of personally identifiable information we may
    collect from you through our Sites;
 2. How the information may be used and with whom it may be shared;
 3. What choices are available to you regarding our use of your data;
 4. The security measures in place to protect the misuse of your information;
 5. How you can correct any inaccuracies in the information collected; and
 6. Privacy rights for state specific residents.

Respecting the privacy and the security of your personal information is
important to us. We realize that providing us with personal information is an
act of trust. Therefore, we have created this Policy to show you the steps we
have taken to maintain that trust and secure your information.

Collected Information

Each time you visit our Sites, certain information may be collected both when
you provide it voluntarily and automatically when you use the Sites. In some
instances, the collected information may allow us to match activities with
users. We may also collect your information from other sources, as described
below. Examples of the type of information that may be collected are as follows:

 * Your internet service provider's address, your internet protocol or IP
   address, device ID, the web page from which you accessed our Sites, your web
   browser software, the type of handheld or mobile device used to link to the
   web page, and the language settings on your web browser;
 * Records of products or services purchased, obtained, or considered, or other
   purchasing or consuming histories, and other information you post or
   otherwise submit to us, including emails or other communications you provide
   to us;
 * Data about the webpages you visit, including without limitation web browser
   specifications, websites visited before accessing our Sites, and websites
   visited after leaving our Sites;
 * A record of your activity and interactions while visiting or using our Sites,
   including the existence or types of data you may upload or the terms you
   search;
 * Data about your device and nearby networks, including internet connection
   information, computer equipment information, regional and language settings;
 * Data about you such as your business or company information, professional or
   personal reference contact information, social media URLs, and other related
   data;
 * Data related to your educational level or background, including transcripts
   or other documentation you may choose to upload to the Sites or otherwise
   share with us;
 * “Cookies” or other common tracking methods of different types to recognize
   your computer (please see the Cookies section below for description of what
   cookies are and how they are used); and
 * Web beacons, match scripts, pixel tags, or similar technologies that allow us
   to know information such as whether a particular web page was visited, an
   e-mail opened, links in the email accessed, if the advertisements on our
   Sites or other sites were useful or beneficial to the user(s), or other
   information that may help us improve your experience.

We will also collect personal information that you provide/input on our Sites,
such as your name, birthdate, e-mail address, mailing address, social media
username(s), phone number, organization name, unique personal identifier,
insurance policy information you share with us, or payment processing
information (e.g., debit card information or other banking information). This
includes information that you may provide us regarding documents or files which
you upload to the Sites.

If you upload documents containing sensitive data such as documentation
revealing your social security number, driver’s license or state identification
number, financial account information, login credentials, racial or ethnic
origin, religious or philosophical beliefs, health insurance or medical
information, biometric or genetic information, or other similarly sensitive
data, in the course of using the Sites, including Ramsey Vault, we will possess
that information for purposes of ensuring the full functionality of the Sites
for you.

We partner with third parties, who may collect personal information for
interest-based advertising purposes when you interact with our Sites. You may
opt out of the collection of your information by these third parties here: 
https://optout.networkadvertising.org/?c=1.

Use of Information

We may use the information collected for any of the following purposes:

 * Administer our Sites and systems;
 * Create, maintain, and personalize your account with us;
 * Provide, maintain, personalize, and improve our Sites;
 * Detect, prevent, and address technical issues and provide customer support;
 * Monitor and maintain the safety, security, and integrity of our Sites and
   technological assets;
 * Fulfill orders you have placed;
 * Better understand and serve your needs;
 * Respond to you regarding the reason you contacted us;
 * Enhance your customer experience and improve our customer service;
 * Customize offerings and advertisements to you that relate to the services you
   have used or requested or which otherwise relate to your behaviors we have
   observed on the Sites or on the websites you visit before accessing our Sites
   or the websites you visit after leaving our Sites;
 * Notify you about changes to our Sites;
 * Monitor the usage of our Sites and to gather analysis and assess trends and
   interests;
 * Allow you to participate in interactive features and forums of our Sites;
 * Process payments and fulfill orders you have placed; and
 * Communicate newsletters, marketing or promotional materials, or other
   information to you about products, services and special offerings of Ramsey
   Solutions and our third-party partners that may be of interest to you.

We may also use this information to evaluate and manage our businesses. Combined
data is collected from online and offline facilities and may be used to enhance
the ability of Ramsey Solutions to communicate with you and to support business
functions, such as internal business processes, marketing, authentication,
customer service, fraud prevention, and public safety and legal functions.

We will make every effort to keep you informed of Ramsey Solutions’ special
events, news and offers, so periodically, we may send these announcements via
email or direct mail. If you do not wish to be contacted by Ramsey Solutions or
our business affiliates, simply click on the unsubscribe link found at the
bottom of the email newsletter.

Sharing of Information

We may disclose your non-personal information with third parties at our
discretion.

There may be times when we need to share, or otherwise disclose, your personal
information with third-party service providers. The reasons we may need to share
this information with those providers relate to the services they provide to us
or that we may provide to them, which may include:

 * Authorization of debit card and check transactions, order fulfillment,
   service promotions;
 * Marketing and advertising services to communicate with you or to assist us in
   providing personalized advertising;
 * Managing and processing your personal information;
 * Developing, hosting, or maintaining our Sites;
 * Analyzing customer information and/or improving customer service. We may then
   share such information with third parties including prospective marketing
   partners and advertisers; and
 * Other services that you expressly request which require us to share your
   personal information.

These third-party service providers are only granted access to your personal
information, as we deem necessary, and they are contractually restricted in the
ways they may use your information. The providers may also use cookies (as
defined within this Policy), or other automatic collection technology on behalf
of Ramsey Solutions.

In addition, we may share your personal information with your family members or
other individuals to whom you designate your personal information may be shared
with within the Sites, for example, beneficiaries of your insurance policies,
spouses, family members, lawyers, accountants and other persons. The list of
persons who may view your account and information may be updated by you through
the Sites at any time. You acknowledge that your account and personal
information may be shared with such persons posthumously in connection with the
viewing of relevant policies, benefits, and other information or data contained
in your account.

Moreover, in the event that a division, or part or all of Ramsey Solutions, is
purchased, sold or otherwise transferred to/by another company, or is in the
process of a potential transaction with another company, customer information
will likely be shared for evaluation purposes and included among the transferred
business assets. Such acquiring company’s right to use your personal information
shall be limited to the terms of this Policy unless additional notice is
provided to you.

Ramsey Solutions may also be required to disclose specific information to comply
with the law, a subpoena, or other litigation process. We may also disclose your
information to protect the interests or safety of its visitors and customers,
employees, or others, which includes exchanging information with other companies
and organizations for fraud protection and credit risk reduction.

Geographic Restrictions

Our Sites and web-based services are intended for access and use within the
United States only and comply with applicable United States privacy laws. Our
Sites and web-based services are not intended for, or directed to, citizens,
domiciles, or residents outside of the United States, including those of the
European Union. By accessing our Sites and web-based services, you affirm that
you are not a citizen, domicile, or resident of a country outside of the United
States, including those of the European Union.

Do Not Track

Do Not Track (“DNT”) is a privacy preference that you can set in some web
browsers to inform websites that you do not want to be tracked. You can enable
or disable DNT by visiting the preferences or settings page of your web browser.
However, these features are not yet uniform, so we do not currently respond to
such features or signals. Therefore, if you select or turn on a DNT feature in
your web browser, we and our third-party providers may continue collecting
information about your online activities as described in this Policy.

Cookies

“Cookies" are defined as small pieces of information (data files) that are
downloaded to and stored by your browser or other application on your
computer's, or other device’s, browser or hard drive when you use our Sites,
which are unique to your device or account. Cookies make it easier for you to
use our Sites by saving your preferences so that we can use these to improve
your next and subsequent visits to our Sites. Cookies help us learn which areas
of our Sites are useful and which areas need improvement. Cookies may be either
persistent or temporary (or session) cookies. A persistent cookie retains user
preferences for a particular website, app or service, allowing those preferences
to be used in future use sessions and remains valid until its set expiry date
(unless deleted by the user before the expiry date). A temporary cookie, on the
other hand, will expire at the end of the user session, when the web browser is
closed.

Cookies are used to connect your computer or other device with information
stored about your online activity, searches, preferences, and product purchases,
both within the same website visit and from one visit to the next, on our Sites
and/or other websites. Some examples of the information cookies may store by
your browser include your account preferences, user specific information on
pages accessed, searched terms or addresses entered, and previous visits to the
site. You can choose whether to accept cookies by changing the settings on your
browser or device. The "help" portion of the toolbar on most browsers will tell
you how to prevent your browser from accepting new cookies, how to have the
browser notify you when you receive new cookies, or how to disable cookies
altogether. If you reject cookies, you may not be able to participate in certain
activities or receive a promotion customized for you. Our Sites do not control
and do not guarantee the effectiveness of browser-based tools for managing
cookies. When we use cookies or similar technologies, we may set the cookies
ourselves or ask third parties to do so.

Security

Ramsey Solutions is committed to keep your information private and secure. We
use industry-standard security techniques on our Sites to help protect against
the loss, misuse or alteration of information collected from you at our Sites.
While we strive to protect your personal information, we cannot ensure the
security of the information you transmit to us. In this regard, we urge you to
take every precaution to protect your personal data while you are on the
Internet. At a minimum, we encourage you to make sure that you are using a
secure browser as you surf the Internet.

Other Sites

Our Sites may contain links to third-party sites, including those of our
business partners. If you click one of those links, you will be taken to
websites we do not control. This Policy does not apply to the information
practices of those third-party websites. You should read the privacy policies of
third-party websites carefully. While we seek to link only to sites that share
our high standards and respect for privacy and security, we are not responsible
or liable for the content, privacy policies/practices, actions, or security of
third-party websites or services.

Children’s Privacy

Under Age 13

Ramsey Solutions does not knowingly solicit or collect personally identifiable
information online from children under the age of 13 without prior verifiable
parental consent. If we learn that a child under the age of 13 has submitted
personally identifiable information online without parental consent, we will
take all reasonable measures to delete such information from our databases and
not use such information for any purpose (except where necessary to protect the
safety of the child or others as required or allowed by law).

Under Age 18

Personal information that has been provided to Ramsey Solutions through our
Sites by minors under the age of 18, can be deleted by sending an email
requesting the deletion to privacy@ramseysolutions.com.

Please note that while we make reasonable efforts to comply with such requests,
deletion of your personal information does not ensure complete and comprehensive
removal of that data from all systems.

If you become aware of any personally identifiable information we have collected
from children or minors under this Policy, please contact us
at privacy@ramseysolutions.com, or by calling 888.22.PEACE.

While our Sites are not intended for use by children, parents who upload
personal information regarding their children do so at their own risk and
pursuant to this Policy.

California Consumer Privacy Act (CCPA)

CCPA provides California residents privacy rights, including the right to:

 * Request the following information regarding our use of your personal
   information:
   * Categories of your personal information that we have collected;
   * Purposes for which we have collected or used such personal information;
   * Categories of sources for the personal information we have collected about
     you;
   * Categories of third parties to whom we have disclosed your personal
     information;
   * Categories of personal information disclosed about you for a business
     purpose; and
   * Categories of information that the business sells or discloses to third
     parties.
 * Receive a copy of your personal information;
 * Request us to delete your personal information (subject to certain exceptions
   that may apply); and
 * Opt out of the sale of your personal information (subject to certain
   exceptions that may apply).

To make a request under CCPA e-mail privacy@ramseysolutions.com. Please include
"California Privacy Rights Request" in the subject line of the email and include
your California street address and zip code in the body of the email.

Your exercise of these rights will have no adverse effect on the availability,
price, or quality of our services.

Changes to the Privacy Policy

This Policy may be revised in our sole discretion from time to time as we add
new features and services, as laws change, and as industry privacy and security
best practices evolve. When we revise the Policy, we will post the new Policy on
this page and change the date located at the bottom of the Policy. We encourage
you to return to this page periodically to check for any updates or changes. If
we make any change to this Policy regarding use or disclosure of personal
information, we will provide advance notice on our Sites. Small changes, or
changes that do not significantly affect individual privacy interest, may be
made at any time, and without prior notice.

Governing Law and Jurisdiction

This Policy shall be construed and governed under the laws of the United States
and the State of Tennessee (without regard to rules governing conflicts of laws
provisions). You agree that venue for all actions, arising out of or relating in
any way to your use of our Sites, shall be in federal courts in Davidson County,
Tennessee or state court having jurisdiction over Williamson County, Tennessee,
within one (1) year after the claim(s) arises. Each party waives any objections
based on forum non conveniens and waives any objection to venue of any action
instituted hereunder to the extent that an action is brought in the courts
identified above. Each party consents to personal jurisdiction in the courts
identified above.  

Contact

Please contact us if you have any questions or concerns about our Privacy
Policy. You are welcome to call our Ramsey Concierge team at 888.22.PEACE,
available Monday and Wednesday from 9:30am to 5:00pm and Tuesday, Thursday,
Friday from 8:00am to 5:00pm CST, to speak with a customer service
representative. You may also contact us by e-mail
at privacy@ramseysolutions.com.

The Lampo Group, LLC
1011 Reams Fleming Blvd
Franklin, TN 37064

Effective Date: April 14, 2022

Privacy_Gen_04.14.2022v08

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