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Privacy Policy

RINGLER ASSOCIATES is concerned about the privacy rights of visitors to its website (www.ringlerassociates.com) and the security of the data therein. Therefore, it has adopted this Privacy Policy and Terms of Use Statement for this website to ensure responsible use of the information you share with RINGLER ASSOCIATES. At any time, RINGLER ASSOCIATES may revise this Privacy Policy and Terms of Use Statement by updating the website. As a visitor to this website, you are bound by any such revisions and should therefore periodically visit this page to review the most current Privacy Policy and Terms of Use Statement.

PRIVACY POLICY and TERMS OF USE Basic Definitions:

“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.

RINGLER ASSOCIATES CONTACT INFORMATION

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What information is collected?

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.

Use of the Information Collected

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.

ALTHOUGH SOME PORTIONS OF THIS WEBSITE ARE SECURE, INHERENT IN THE USE OF THE INTERNET AND INTERNET-RELATED TECHNOLOGIES IS SOME RISK OF DISCLOSURE OF INFORMATION, INCLUDING WITHOUT LIMITATION, PERSONAL DATA YOU SUPPLY. YOUR USE OF THE SITE AND YOUR ENTRY OF INFORMATION IS AT YOUR OWN RISK. RINGLER ASSOCIATES CANNOT ACCEPT RESPONSIBILITY AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR DAMAGE OR INJURY THAT YOU MAY INCUR OR THAT MAY RESULT FROM YOUR USE OF THE WEBSITE OR THE INTERCEPTION OF INFORMATION YOU PROVIDE, INCLUDING WITHOUT LIMITATION, PERSONAL DATA, BY A THIRD PARTY. TERMS OF USE STATEMENT Limitation of Liability THE WEBSITE AND ITS CONTENT ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. RINGLER ASSOCIATES DOES NOT WARRANT THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT EITHER THE SITE OR THE SERVER THAT MAKES IT AVAILABLE TO YOU IS FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. RINGLER ASSOCIATES DOES NOT WAR RANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE. YOU (AND NOT RINGLER ASSOCIATES) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS.

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.

Links to Third Party Websites

If you use any links provided in the website to websites not owned, maintained nor hosted by RINGLER ASSOCIATES (“off-sites”), you will not leave this website. RINGLER ASSOCIATES is not responsible for any off-site’s privacy policies or terms of use. No judgment or warranty is made with respect to the accuracy, completeness, timeliness or suitability of the content of any off-sites, and RINGLER ASSOCIATES takes no responsibility for such sites. A link to a service or website outside of the website is not an endorsement of the service or the website, its content, or its sponsoring organization.

Use of 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.

Jurisdictional Issues

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

Your use of this website, and its TERMS of USE and the PRIVACY POLICY shall be construed and controlled by the STATE laws. Further, any dispute arising from your use of this website, or its Terms of Use or Privacy Policy, or a breach thereof, shall be governed by the laws of the STATE. By accessing this website, you agree to personal jurisdiction by the state and federal courts sitting in the State.

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 advisor (or attorney) for guidance regarding your particular situation.

Effective as of February 28, 2011