“Personal Data” is personal and/or confidential information that relates to you and any affiliation you may have with RINGLER ASSOCIATES. “Communications” are any communications information that you transmit to the website by electronic mail or otherwise, including data, questions, comments and/or suggestions. “Personal Information” is any communication where you knowingly enter your personal information such as your name, address, and telephone number. “Non-Personal Information” is any communication derived from your connection to the website, such as your Internet browser, domain name and referring link. All communications, will be treated as non-confidential and non-proprietary, and will become the property of RINGLER ASSOCIATES and may be used for the purposes described herein.
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In general, you can visit the website while remaining anonymous by not providing any personal information. In some cases, non-personal information may be automatically collected, such as your Internet browser, computer operating system, domain name of your Internet service provider and/or the website from which you linked to our website. Personal information about you (e.g., your name, address, telephone number, and/or e-mail address) will not be collected unless you provide it to us voluntarily. For example, RINGLER ASSOCIATES retains e-mail addresses of visitors who respond to the website’s e-mail forms, online forms, registration forms, and surveys and contest entries. RINGLER ASSOCIATES also retains information about the frequency of website visits, length of time of each visit, and aggregate information on which website page visitors access. RINGLER ASSOCIATES sends all Internet visitors “cookies,” a small data file sent by the website to your browser, which may then be stored on your hard drive. RINGLER ASSOCIATES’s cookie enables the website to recognize you if you have used certain website features. In addition, the cookie may recall information so that you do not have to resubmit it, and also automatically updates website information. If available, you may program your browser software to notify you of attempts to send cookies and/or you may decline to accept or delete them. When you perform a search with RINGLER ASSOCIATES’s search engine, RINGLER ASSOCIATES does not record information identifying you or linking you to the search performed. As necessary to provide service, RINGLER ASSOCIATES does record limited information for every search request and uses that information only to solve technical problems with the website, to calculate overall usage statistics and to improve the structure and content of the website.
RINGLER ASSOCIATES will primarily use communications to respond to your request(s). RINGLER ASSOCIATES may use personal information for editorial and feedback purposes, marketing and promotional purposes, reproduction, disclosure, transmission, publication, broadcast or posting, and for a statistical analysis of user behavior. Furthermore, RINGLER ASSOCIATES retains the right to use ideas, concepts, know-how or techniques contained in any communications you send to the website for any purpose whatsoever, including but not limited to developing and marketing products using such information. Non-personal information may be aggregated for internal review and used to improve the website’s content and structure. This information will be discarded. RINGLER ASSOCIATES does not distribute personal data or communications to third parties RINGLER ASSOCIATES will not voluntarily share, rent, sell or otherwise disclose information obtained from visitors to the website (whether personal data or communications) to third parties. When you choose not to provide a personally identifiable communication, we may not be able to respond to your request. You may receive an error message displayed on your browser. When information is shared with RINGLER ASSOCIATES, appropriate steps will be taken to protect all information you share with us. Whenever you provide the website with personal data, RINGLER ASSOCIATES will take commercially reasonable steps to establish a secure connection with your website browser.
Under no circumstances, including but not limited to, negligence by act or omission, shall RINGLER ASSOCIATES or any party involved in creating, producing, or delivering the Site, be liable for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use the materials on the Site, even if RINGLER ASSOCIATES or a representative authorized by RINGLER ASSOCIATES has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event, however, shall RINGLER ASSOCIATES’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the website.
The website is owned and operated by RINGLER ASSOCIATES. No materials found on the website or any other site owned, operated or licensed by RINGLER ASSOCIATES may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may access material on the website for non-commercial, personal use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of the website for public or commercial purposes, including the text, images, audio or video without RINGLER ASSOCIATES ‘s prior written permission. RINGLER ASSOCIATES neither warrants nor represents that your use of materials displayed on the website will not infringe rights of third parties not owned by or affiliated with RINGLER ASSOCIATES.
The information contained on the website is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products may not be available in all jurisdictions
Unless otherwise specifically noted, images and information (written or graphically produced) that were created by RINGLER ASSOCIATES and displayed on the website are the property of RINGLER ASSOCIATES and may not be used without RINGLER ASSOCIATES’s prior written consent. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes.
RINGLER ASSOCIATES does not offer legal or tax advice, and before using the information provided in this website, you should consult your tax consultant (or attorney) for guidance regarding your particular situation.
Click here to review your rights as a Californian under the California Consumer Privacy Act (CCPA) of 2018.
Effective as of February 28, 2011
Last Updated January 2, 2020