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PRIVACY POLICY

Privacy Policy

Section 1 - What Do We Do With Your Information?

When you request a quote from our agency, as part of the process, we collect the personal information you give us such as your name, address and email address.

When you browse our website, we also automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system.

With your permission, we may send you emails about our agency, new products and other updates.


Section 2 - Consent

How do you get my consent?

When you provide us with personal information for a specific purpose, we imply that you consent to our collecting it and using it for that specific reason only.

If we ask for your personal information for a secondary reason, like marketing, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no.

How do I withdraw my consent?

If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at anytime, by contacting us at ray [at] toroinsagency [dot] com.


Section 3 - Disclosure

We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service.


Section 4 - Third-party Services

In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.

However, certain third-party service providers, such as the insurance companies we represent, have their own privacy policies in respect to the information we are required to provide to them for your insurance policy management.

For these providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers.

In particular, remember that certain providers may be located in or have facilities that are located in a different jurisdiction than either you or us. So if you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located.

Once you leave our website or are redirected to a third-party website or application, you are no longer governed by this Privacy Policy or our website’s Terms of Service.

Links

When you click on links on our website, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.


Section 5 - Security

To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.

Cookies

Our website may use cookies, such as the ones required for Google Analytics reporting.


Section 6 - Age of Consent

By using this site, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.


Section 7 - Changes to This Privacy Policy

Welcome to My Agency. We appreciate your trust in us and are committed to safeguarding your privacy. This Privacy Policy explains how we collect, use, and protect your information when you access the My Agency website (“My Agency Website”) and when you use the communication and related services offered on or through the My Agency Website (the “Service”). Unless explicitly stated otherwise by My Agency, this Privacy Policy applies to all users of the Service and the My Agency Website.

Information Collection

In order to access the Service, you may need to become a member (“Member”) by completing one or more registration forms. During registration and thereafter, we may collect various types of information from you:

1.1 Personal Information: This includes your name, email address, postal address, contact telephone number, and other information that can personally identify or contact you. It may also include user IDs and passwords.

1.2 Billing Information: This includes credit card information and billing address, which we use to bill you for the Service.

1.3 Usage Information: We collect information such as your IP address, Service plan choices, Service usage levels, calling history, click patterns on the My Agency Website, and other data that reflects your use of the Service or the My Agency Website.

1.4 Anonymous Information: This information is aggregated and cannot be used to identify you or your specific usage history. It may include parts of Personal Information and Usage Information, which have been anonymized and combined with data from other users.

1.5 Additional Information: We may also collect other information necessary to provide the Service, such as your business name, demographic details, technology preferences, or how you found My Agency.

Even if you haven’t registered or subscribed to any Service, your presence on the My Agency Website may result in the collection of certain information.

How We Use Your Information

We use the collected information for various purposes, including but not limited to:

2.1 Regulating Access: We use your Personal Information to regulate access to the Service and enhance the security of the My Agency Website.

2.2 Personalization: Your information helps us personalize and improve your experience on the My Agency Website.

2.3 Promotions: We may promote My Agency products or services to you, including contacting you via email.

2.4 Partner and Sponsor Promotions: With your consent, we may assist our partners and sponsors in promoting their products or services to you. This may involve contacting you via email. We offer the option to opt-out of receiving such promotions during the registration process.

2.5 Customer Contact: If you provide your telephone number online, we may contact you with information about new products, services, or upcoming events. If you prefer not to receive such calls, please notify us via email.

2.6 Internal and Administrative Purposes: We may use your information for internal or administrative purposes related to providing secure and high-quality services to our Members.

2.7 Billing and Support: Billing and Usage Information are used for billing you for the Service and providing technical and billing support.

2.8 Anonymous Information: Anonymous Information is used to optimize our marketing efforts, determine the success of marketing campaigns, provide demographic information to sponsors, advertisers, and partners, and for other commercial purposes.

2.9 Third-Party Providers: We may use third-party providers and subcontractors to deliver services or features on the My Agency Website. They may receive some of your information, but we ensure it’s used exclusively for providing the specified My Agency features or services.

2.10 Legal Compliance: My Agency reserves the right to use or disclose any information to enforce our user agreements, use policies, or in response to requests by law enforcement agencies, even without a subpoena, if we reasonably suspect a violation of our user agreements, use policies, or any applicable law.

Information Storage and Security

My Agency maintains technical and organizational security measures to protect your data from loss, misuse, or alteration. While we cannot guarantee absolute security, we take diligent efforts to prevent unauthorized access to your information.

Please note that certain information, except for Billing Information, cannot practically be stored in a PCI (payment card industry) or HIPAA (healthcare patient confidentiality and security) compliant manner. Therefore, we advise against using the Service to collect or store sensitive financial, payment, or personal information. We recommend keeping your user information, like account IDs and passwords, confidential, as we are not responsible for any unauthorized use or disclosure of your information.

Use of Cookies, Web Beacons, and Log Files

My Agency employs cookies to enhance your experience on the My Agency Website. Cookies are small files placed on your computer’s hard drive by your web browser to identify your computer uniquely. They help us with log-ins, tracking your previous visits, and improving the user experience. We do not use cookies to retrieve personal information unless you knowingly provide it.

Some business partners, sponsors, and advertisers may also use cookies through the My Agency Website to track the success of their advertising and marketing efforts. You can manage your browser’s cookie settings to enhance security or limit cookie usage.

Additionally, we use web beacons to track page presence and browsing patterns. These do not store personal information on your computer. Our servers log visitors’ IP addresses, browser types, referring and exiting URLs, and other statistical information, treating it as Anonymous Information, unless required for policy, agreement, or law enforcement purposes.

Other Events

Please be aware that any information collected or provided may be transferred or assigned in the event of a merger or the sale of all or part of the My Agency business or a similar event.

Links to Third-Party Websites

The My Agency Website may contain links to third-party websites and advertisements promoting third-party products and services. Please note that this Privacy Policy applies only to information collected by the My Agency Website and other websites operated or controlled by My Agency. We are not responsible for the privacy practices of third-party websites, so we encourage you to read their privacy statements.

Children

The My Agency Website and the Service are not intended for use by children or minors. If minors use the website or the Service, we urge them to do so under parental guidance and after a review of applicable terms, including this Privacy Policy.

Modifications and Cancellation

My Agency reserves the right to modify this Privacy Policy at any time by publishing updates on the My Agency Website, sending email notices, or transmitting updates through the Service. These modifications will be binding on all users. If you disagree with any changes or wish to stop being subject to this Policy, you may contact My Agency to cancel your account. Upon full payment of any outstanding amounts for My Agency services, we will make diligent efforts to delete your Personal and Billing Information.

Liability

My Agency’s liability arising from this Policy or any breach thereof is subject to the general limits of liability stated in the My Agency Terms of Service.

General Contact Information

Company: My Agency, LLC

Phone: xxx-xxx-xxxx

Address: Address

Website: https://ricochet-crm.com

Email: support@https://ricochet-crm.com

https://ricochet-crm.com Privacy Policy

The My Agency.io Privacy Policy outlines how My Agency, LLC, handles your data when providing application, support, consulting, or hosting services (“Services”) through My Agency.io. My Agency processes Services Data on behalf of its clients through My Agency.io, a Software as a Service platform.

Services Data Use

Services Data, including data accessed through My Agency.io environments, is used to fulfill client requirements specified in relevant My Agency customer agreements for Services or Software Offerings. My Agency technical staff may access Services Data to monitor system performance, test systems, and implement upgrades. Any temporary copies of Services Data created during this process are maintained only for the relevant purposes.

My Agency may also be required to provide personal information to comply with legally mandated reporting, disclosure, or other legal processes or to protect the health and safety of My Agency employees, clients’ employees, or the public.

Data Transfer and Access

My Agency may transfer and access Services Data globally as necessary for the specified purposes. When subcontractors are engaged to assist in providing Services, their access to Services Data is consistent with relevant customer agreements and this My Agency.io Privacy Policy.

Use of Services Data by Clients

My Agency clients control access to Services Data by their end-users. Clients are responsible for providing necessary notices and obtaining required consents for My Agency to access and use Services Data.

Data Access Control

My Agency controls access to Services Data based on job roles and responsibilities. Access to Services Data in hosted systems is regulated through access control lists (ACLs) and account management frameworks.

Collection of Personal Information

Some My Agency Cloud Offerings may allow clients to collect personal information from their end-users through cookies and similar technologies. Clients should seek legal advice regarding the collection of such information to ensure compliance with applicable laws, including required notices and consents.

Modifications to Policy

My Agency reserves the right to modify or supplement this Privacy Policy at any time. The most recent version will be available on the website. For questions about this Privacy Policy or My Agency’s practices, contact My Agency Privacy Contact at support@https://ricochet-crm.com

My Agency Return Policy

Effective Date: July 20th, 2023

All Sales Are Final

Thank you for choosing My Agency, your trusted partner for recruiting and training solutions. We are committed to providing high-quality software and services to meet your recruitment and training needs. Please review our return policy carefully, as all sales are final unless exceptional circumstances apply.

1. Overview

1.1 No Refunds: At My Agency, we stand behind the quality of our software and services. As such, we do not offer refunds or returns for any of our products or subscriptions, except as expressly stated in this policy.

2. Exceptional Circumstances

2.1 Technical Issues: If you encounter technical issues or errors with our software that prevent you from using the service effectively, please contact our customer support team promptly at [support email] or [support phone number]. We will investigate the issue and, at our sole discretion, may provide a resolution, including a refund, if the problem cannot be resolved within a reasonable timeframe.

2.2 Billing Errors: In cases of billing errors, where you have been charged incorrectly or for services you did not receive, please contact our billing department at [billing email] or [billing phone number]. We will investigate and, if the error is confirmed, rectify it by issuing a refund or adjusting future billing, as appropriate.

3. Exclusions

3.1 Change of Mind: We do not accept returns or offer refunds for any reason related to a change of mind, change in business needs, or any other non-technical or non-billing-related issues.

3.2 Unused Services: Refunds will not be provided for any unused portion of a subscription or services not utilized during the subscription period.

4. Contact Information

For all inquiries related to our return policy, billing issues, or technical problems, please contact the appropriate department using the following contact information:

Customer Support: support@https://ricochet-crm.com

Billing Department: billing@https://ricochet-crm.com

5. Policy Updates

My Agency reserves the right to update or modify this return policy at any time, with or without notice, to address changing business needs or to comply with legal and regulatory requirements. Any changes will be effective immediately upon posting on our website.

By using My Agency’s software and services, you agree to abide by the terms and conditions of this return policy. It is your responsibility to review this policy periodically to stay informed of any updates.

Thank you for choosing My Agency for your recruiting and training needs. We appreciate your trust in our services.



Website Hosting Provider

This website is developed on and hosted by webtricity.com (“Webtricity”). By using this website, you agree that we may collect personal information about you and your use of the website (which we may share with Webtricity) and that Webtricity may collect personal information about you and your use of the website. You can learn how Webtricity uses your personal information here: webtricity.com/privacy-policy.


Questions and Contact Information

If you would like to: access, correct, amend or delete any personal information we have about you, or if you simply want more information, please contact us.