Published on: April 13th, 2022
1. How Ratio collects your information.
1.1. Information You Give Ratio.
If you open an account or use the Ratio Services, we may collect the following types of information: For individuals, personal information - your name, Social Security number, address, phone, email, third-party application IDs, and other similar information. For individuals and corporations, financial information - bank account numbers and/or credit card numbers that you link to your Ratio account or give us when you use the Services. Before permitting you to use the Services, we may require you to provide additional information. We may use this information to verify your identity or other information you provide.
1.2. Information Ratio Learns From Your Use.
When you visit the Ratio website or use the Services, we may collect information sent to us by your computer, mobile phone or any other device. This information may include your IP address, device information including but not limited to identifier, name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our site, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, application or the Services. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity that may affect the availability of the Services. When you use the Services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, click stream information, and cookies that may uniquely identify your browser or your account. We may also collect information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or through interactions with our affiliates.
1.3. Cookies and Anonymous Identifiers.
1.4. Information Obtained From Third Parties.
2. How Ratio protects your information.
2.1. Safety Policies.
Ratio stores and processes your information maintaining physical, electronic and procedural safeguards. We maintain physical security measures to guard against unauthorized access to systems and use safeguards such as firewalls and data encryption.
3. How Ratio uses your information.
3.1. To Improve Our Service.
Ratio uses information to perform and improve our services, contact you, conduct research, and provide anonymous reporting for clients. For example, we may use information to provide customer service and support, process transactions, resolve disputes, collect payments, prevent illegal activities, customize the Services, reduce risk to all parties involved in our transactions, and verify the accuracy of information.
3.2. To Serve Relevant Marketing to You.
We may use information to deliver targeted marketing, service update notices, and promotional offers based on your communication preferences. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, content, and advertising.
4. When Ratio shares your information.
4.1. For Our Everyday Business Purposes.
We share your personal information with employees, affiliates, vendors, partners, merchant partners, marketing providers, and third parties as required to offer the Ratio Service. This includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit bureaus. Ratio uses Stripe to process sensitive financial information and such data is subject to the Stripe policy at https://stripe.com/privacy.
4.2. When Required By Law.
We will share your information with any party when required by law or by a government request to do so or to combat fraud or criminal activity.
4.3. With Our Sellers to Provide Personalized Offers.
We may share your information with Sellers i.e. the parties from whom you subscribe to for products or services, for marketing, if you consent or as permitted by law. By creating a Ratio account, you consent to Ratio sharing your information with Sellers for those Sellers to market to you. We do this to help merchants personalize services and offers, so you can have a better experience. You're able to revoke your consent at any time by following the steps below. If you choose to do so, we will stop sharing your information with Sellers from that point onward, except as necessary to complete transactions you initiate.
5. How Ratio does NOT use your information.
5.1. Selling Information to Third Parties.
We don't sell or rent your personal information to third parties.
6. What are your options?
If you no longer wish to receive notifications about our Services, you may change your notification preferences by emailing firstname.lastname@example.org. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Ratio reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Ratio Service. You are still responsible for any amounts due to Ratio even if we close or limit access to your account.
6.2. SMS Messaging.
You can opt out of receiving SMS messages by emailing email@example.com. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Again, Ratio reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Ratio Service. You are still responsible for any amounts due to Ratio even if we close or limit access to your account.
6.3. Access Your Information.
6.4. Contact Ratio.