Privacy Policy

At RiSEOO, we respect your privacy, and we understand the importance of the information you entrust to us. This Privacy Policy describes our practices concerning the information collected by RiSEOO (RiSEOO, “we”, “us”, “our”) through the use of (i) our RiSEOO website (the “Website”) and (ii) our RiSEOO mobile applications (collectively, the “Services”).

We will continue to evaluate this Privacy Policy against new technologies, business practices. Please check this page periodically for updates. If we make any material changes to this Privacy Policy, we will post the updated Privacy Policy here, along with its effective date on our Website. Your continued use of the Services after our posting of changes to this Privacy Policy means that you agree to be bound by such changes.

By visiting the Platform / website, providing your information or availing our product/service, you expressly agree to be bound by the terms and conditions of this Privacy Policy, the terms of use and the applicable service/product terms and conditions. If you do not agree, please do not access or use our Platform / website.

1. Information We Collect About You

We collect personal information about you from a variety of sources, including from you directly (e.g. when you contact us or sign up for an account), information we generate about you in the course of our relationship with you (e.g. data collected from cookies and other similar technologies which is described in our Cookie Policy, and information we collect about you or from other sources, including commercially available sources, such as public databases (where permitted by law).

When you use our website, we collect and store your information which is provided by you from time to time. In general, you can browse the website without telling us who you are or revealing any personal information about yourself. Once you give us your personal information, you are not anonymous to us.

Information You Provide To Us:

You may provide personal information to us, if you choose to:

• submit a help request, a customer services inquiry or other inquiry to us, or fill in any other forms for the purposes of receiving our Services;
• participate in some of the features accessible via the Services (for example, message boards, games, surveys, polls, promotions, contests, sweepstakes or other incentives);
• participate in any Services that require registration;
• sign up to receive any information and/or services from any third party provider or partner using our Website (If you submit information to a third party provider or partner, please note that their use and disclosure of your information is subject to their own privacy policy);
• otherwise use the Services in a manner that you have requested.

Depending on which of these or any other Services you use, the personal information you provide may include:

• personal details (e.g. name, date of birth, professional title, company name, and household income, investment interests, retirement information, information about your educational background);
• contact details (e.g. phone number, email address, postal address, or mobile number);
• account details (e.g. user name and password);
• transaction details (e.g. when you make a purchase or respond to offers);
• communications (e.g. when you participate or post material in message boards or forums, participate in polls or surveys, write a review or provide a testimonial, or contact us with a question, comment, or request); or
• track your buying behaviour, preferences, and other information that you choose to provide on our Website.
• Use this information to do internal research on our users' demographics, interests, and behaviour to better understand, protect and serve our users.
• Information is compiled and analysed on an aggregated basis.
• Information may include the URL that you just came from (whether this URL is on our Platform or not), which URL you next go to (whether this URL is on our Platform or not), your computer browser information, and your IP address.
• We collect personal information (such as email address, delivery address, name, phone number, credit card/debit card and other payment instrument details) from you when you set up an account or transact with us.
• While you can browse some sections of our Platform without being a registered member, certain activities (such as placing an order or consuming our online content or services) do require registration. We do use your contact information to send you offers based on your previous orders and your interests.
• RiSEOO has onboarded certain third-party business partners on the Platform who specialise in several categories. If you use the services of such third party / Partners, you will be redirected to their websites/applications and your entry to their websites/applications will be based on your RiSEOO login credentials after seeking your permissions to share the data further. RiSEOO shall not be responsible for their privacy practices or the content of their privacy policies, and we request you to read their privacy policies prior to disclosing any information

Please be aware, that by posting information to message boards, chat groups or social networking facilities available via the Services, you will be making this information available to other users of these Services to the public. You should be careful about revealing any sensitive details about yourself.

Information Collected Via Automated Technologies and Interactions:

When you use the Services, we may automatically collect information via automatic means about your computer or device, your preference settings, your location, and your activities, including:

• IP address of your computer;
• Unique mobile device identifiers;
• Technical information about your computer or mobile device such as type of device, mobile device ID number, screen resolution, web browser information, and operating system or platform;
• Your preferences and settings (time zone, language, etc.);
• Internet provider or mobile carrier name;
• The URL of the last webpage you visited before visiting the Website;
• Information about your activity on the Services (e.g., your search queries, mis-formatted DNS entries, search results selected, clicks, pages viewed, search history, comments, forms filled out and submitted, how often you use the Services);
• Information we generate as a result of your use of the Services (e.g. our understanding of your interests as a result of your use of the Services and whether you are a regular or occasional user of the Services); and
• If you are using a mobile device, your mobile device’s geographic location (specific geographic location if you’ve enabled collection of that information, or general geographic location automatically). Please see the section “Mobile Device Location Information” below for further information.

International Data Transfers

We may transfer the personal data we collect about you to other RiSEOO affiliates or other entities of RiSEOO. Some of them may be located in countries other than the country in which the data were originally collected. When we transfer your personal data to other countries, we will protect that data as described in this Privacy Notice and in accordance with applicable law.

Third Parties

Third-parties who provide us with products and services may also place cookies, ad tags and/or beacons that collect the information outlined above in order to provide us with products and services including:

• Analytics tools (e.g., Google Analytics) allowing us to analyze the performance of our Services.
• Service features and functionalities such as those that enable videos to be played and you to connect to your social media accounts.
• Advertisers and ad networks allowing the delivery of targeted advertisements.

These third parties may also collect information about you from other sources and combine it with other information collected about you from third party websites not affiliated with us. For example, advertiser and advertising networks, as well as data analytics companies who service them, may participate in online behavioral advertising and track your activity across various sites and/or devices where they display ads and record your activities, so they can show ads that they consider relevant to you.

How We Use Your Personal Information And The Basis On Which We Use It

We may use the information we collect from and about you for the following purposes:

• Identification and authentication: We use your identification information to verify your identity and/or eligibility for our Services when you access and use our Services and to ensure the security of your personal information. This is so we can comply with our obligations to you.
• Improving our Services: We analyze information about how you use our Services to provide an improved experience for our customers, including product testing, site analytics, and personalizing content to your interests. It is in our legitimate business interests to use the information provided to us for this purpose, so we can understand any issues with our Services and improve them.
• Understanding our users: We also analyze information about our users in order to understand our users (their demographics, what you do on our Services, what features you like, how they use them etc.). It is in our legitimate business interests to use the information provided to us for this purpose, so we can understand our users and improve our Services.
• Operating the Services: We process your personal information to administer our Services, diagnose technical problems, provide customer support, complete your transactions, and otherwise manage our business. This is so that we can comply with our contractual obligations to you.
• Communicating with you: We may use your personal information when we communicate with you, for example if we are sending you communications that you have requested, communications which relate to Services you have purchased or enrolled in, which may be of interest to you in accordance with your preferences, if we are providing information about changes to the terms and conditions, if you contact us with questions, or to provide you with customer support. It is in our legitimate interests that we are able to provide you with appropriate information, responses and provide you with notices about our Services. Please see the section “Reviewing, changing or deleting information” for further information about how you can control these communications.
• Marketing: We may use your personal information to build a profile about you and place you into particular marketing segments in order to understand your preferences better and to appropriately personalize the marketing messages we send to you. It is in our legitimate interest to provide you with more relevant and interesting advertising messages, and inform our marketing strategy. We may use automated decision-making to deliver tailored advertisements based on your personal information. Where necessary, we will obtain your consent before sending such marketing messages.
• Exercising our rights: We may use your personal information to exercise our legal rights where it is necessary to do so, for example to detect, prevent, and respond to fraud claims, intellectual property infringement claims or violations of law or our Terms of Use.
• Complying with our obligations: We may process your personal information in order to, for example, carry out fraud prevention checks or comply with other legal or regulatory requirements, where this is explicitly required by law.
• Customizing your experience: When you use the Services, we may use your personal information to improve your experience of the Services, such as by providing interactive or personalized elements on the Services and providing you with content based on your interests. We may use automated decision-making to customize your experience based on your personal information.
• Compensating our partners: We may process your personal information for purposes of calculating compensation to be paid to our third party product/service providers and distributors and to analyze usage across products, services and distribution partner/channel. It is in our legitimate interest to appropriately determine amounts to be paid to our partners and inform our product roadmap and distribution strategy.
• In Connection with Services / Training: In addition to the uses described above, if you are enrolled in and/or take any of our training, we may use the registration information you provide, including personally identifiable information, to use through your Account for managing and processing purposes, including but not limited to tracking attendance, progress and completion of training..

How We Share The Information We Collect

We will share your information in the following ways:

• We may share your data with our suppliers, subcontractors and business partners: (“service providers”). We may share your data with our services providers and business partners who perform marketing services and other business operations for us for the purposes set forth above. For example, we may partner with companies to process secure payments, fulfill orders, optimize services, serve online behavioral advertising, send newsletters and marketing messages, support email and messaging services, and analyze information. These service providers are required to treat the data in accordance with confidentiality requirements.
• We enable you to request information and/or services from third party service providers or partners by filling out a registration, information request, or similar service request form for specific services from them (e.g., filling in a sponsored partner’s form to identify your retirement risk profile and/or submitting a request with such information for more information from that partner or another party). When you fill out and submit a service request form through our Website, you consent to our providing your personal information and request to the third party provider and/or partner. Sharing this information with the party provider and/or partner allows them to contact you using the contact information you provided. Additionally, we have other contractual partners that that utilize their own service provider to supplement our offering, and we share your information with them in order to attempt to provide the services requested.
• We may disclose your information with law enforcement agencies, courts, other government authorities, or other third parties when we believe in good faith that such disclosure is appropriate in order to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of this Privacy Policy or the Terms of Service for the Services you accessed, and/or to protect the rights and property of RiSEOO, our employees, users and the public, or to comply with a legal or regulatory obligations. This may involve the sharing of your information with law enforcement, government agencies, courts, and/or other organizations.
• We may share your personal information with potential transaction partners, service providers, advisors and other third parties in connection with the consideration, negotiations, or completion of a corporate transaction in which we are acquired by or merged with another company or we sell or transfer or all or a portion of our assets or business..
• Advertisers and advertising networks place ads on our Website. These companies may collect information, such as your computer’s IP address, browser information, and mobile device ID as you use our Website and Services. These companies, as well as data analytics companies who service them, may also use cookies, pixel tags, mobile device advertising IDs and other similar technologies to collect this information when you visit our Website (for example, web pages visited), as described in our Cookie Policy. They use the data to enable them to track your activity across various sites where they display ads and record your activities, so they can show ads that they consider relevant to you. We neither have access to, nor does this Privacy Policy govern, the use of cookies or other tracking technologies that may be placed on your computer, mobile phone, or other device you use to access the Services by non-affiliated, third-party ad technology, ad servers, ad networks or any other non-affiliated third parties.

Mobile devices:

• Advertising: When using a mobile application you may receive tailored in-application advertisements. Each operating system, iOS for Apple phones, Android for Android devices and Windows for Microsoft devices provides its own instructions on how to prevent the delivery of tailored in-application advertisements. You may review the support materials and/or the privacy settings for the respective operating systems in order to opt-out of tailored in-application advertisements. For any other devices and/or operating systems, please visit the privacy settings for the applicable device or contact the applicable platform operator. We do not control how the applicable platform operator allows you to control receiving tailored in-application ads; thus, you should contact the platform provider if the above options are no longer available.
• Location Information: When you use one of our location-enabled services (for example, when you access Services from a mobile device), we may need to collect and process information about your specific GPS location (including the latitude, longitude or altitude of your mobile device) and the time the location information was recorded, and we may use that information to customize the Services with location-based information, advertising, and features. Some of these services require your personal data for the feature to work and we associate location data with your device ID and other information we hold about you. You can stop your location information from being collected by disabling this function within the settings available on your device. In connection with currency conversion functionality found on our site (if applicable), "By using our website, you (the visitor) agree to allow third parties to process your IP address, in order to determine your location for the purpose of currency conversion. You also agree to have that currency stored in a session cookie in your browser (a temporary cookie which gets automatically removed when you close your browser). We do this in order for the selected currency to remain selected and consistent when browsing our website so that the prices can convert to your (the visitor) local currency."

Please note that we may require additional information from you in order to honor your requests.

COOKIES

We use data collection devices such as "cookies" on certain pages of the Platform to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services. Cookies do not contain any of your personal information. We offer certain features that are only available through the use of a "cookie". We also use cookies to allow you to enter your password less frequently during a session. Cookies can also help us provide information that is targeted to your interests. Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline/delete our cookies if your browser permits, although in that case you may not be able to use certain features on the Platform and you may be required to re-enter your password more frequently during a session. Additionally, you may encounter "cookies" or other similar devices on certain pages of the Platform that are placed by third parties. We do not control the use of cookies by third parties. We use cookies from third-party partners such as Google Analytics for marketing and analytical purposes. Google Analytics help us understand how our customers use the site

Automated Decisions About You

When you use the Services, we may make automated decisions about you based on your personal information in the following circumstances:

• To deliver personalized offers, discounts, or recommendations based on your shopping history, viewing history, and browsing history, and
• To serve you with ads based on various factors such as the content of the page you are visiting, information you provide such as your age or gender, your searches, demographic data, user-generated content and other information that you provide to us. These ads may be based on your current activity or your activity over time and may be tailored to your interests.

Acceptance to the Website Privacy Policy

By using our Site, you acknowledge acceptance of this Privacy Policy in effect at that time of use.

Contact Us

If you have questions or concerns regarding the way in which your personal information has been used, or if you want to opt-out of having your personal information shared with third parties or for any purpose that is materially different than the purpose you shared it with us please send a request to.

All requests sent via regular mail must be labeled "Your Privacy Rights" on the envelope or post card and clearly stated on the actual request. For all requests, please include your name, street address, city, state, and zip code (your street address is optional if you wish to receive a response to your request via email. Please include your zip code for our own recordkeeping).

We are committed to working with you to obtain a fair resolution of any complaint or concern about privacy. If, however, you believe that we have not been able to assist with your complaint or concern, you may have the right to make a complaint to the data protection authority of your country of residence.