Privacy policy

 

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RatePunk (collectively, “RatePunk”, “we”, “us”, or “our”) respects your privacy and is committed to protecting your personal information that may be collected. This privacy policy and notice (“Notice”) describes how we collect, use, and share your personal information when you use our website (https://www.ratepunk.com and our other domains) and the services provided through the extension (the “Services”) as well as your choices in connection with such use.

 

INFORMATION THAT WE COLLECT

 

Through your use of our Services we may collect personal information, which is information that identifies you as an individual, relates to you as an identifiable individual, or that, along with other information, could identify you. We collect the following types of personal information:

Information you provide to us:

We collect personal information from you when you use our Services. We do not require you to provide any personal information in order to navigate our website or download the extension. We collect information from you when you:

Interact with our website or Services: When you participate in sweepstakes or contest or any other promotion, post a product review, engage with us on our various social media platforms, participate in one of our surveys, or send us any feedback, questions, comments, suggestions, ideas, or interact with us in any way, you provide us with personal information such as your name, email address, social media username, and IP address.

Information provided through feedback, surveys, suggestions, etc., without the parts that identify you is considered non-confidential and non-proprietary. We may use and share such information on an anonymous and aggregated basis with third parties.

Information collected automatically:

We may automatically collect the following types of information as you use our Services:

Usage Information: which pages on our website or extension you access, the frequency of access, what you click on while on our website or extension, and when you accessed the website or extension.

Location Information: information about your location, which may be determined through your IP address, GPS, and other sensors that may reveal information on nearby devices, Wi-Fi access points, and cell towers.

Device Information: Information about the device you are using, such as hardware model, operating system, application version number, browser, and IP addresses.

Mobile Device Information: mobile network information, such as the unique device identifier assigned to that device, mobile carrier, operating system, telephone number, and other device attributes.

Social Media Widgets: Our website includes social media features, such as the Facebook “Like” button, and other widgets, such as the “Share” button or interactive mini-programs provided by third parties. These third parties collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. You can control your interactions with these widgets through the relevant social media network.

Google Analytics: We use a tool called “Google Analytics” to collect some information we listed above about your use of the Services. We use the information we get from Google Analytics to improve the Services. In order to collect this information, Google Analytics may set cookies on your browser or mobile device, or read cookies that are already there see "Cookies" and "Other Tracking Technologies". Google Analytics may also receive information about you from apps you have downloaded that partner with Google. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Google’s ability to use and share information collected by Google Analytics about your visits to the Services to another application that partners with Google are restricted by the Google Analytics Terms of Use and the Google Privacy Policy. Please review those and see http://www.google.com/policies/privacy/partners/ for information about how Google uses the information provided to Google Analytics and how you can control the information provided to Google. To prevent your data from being used by Google Analytics, you can download the Google Analytics opt-out browser add-on for Google Analytics which can be found here https://tools.google.com/dlpage/gaoptout/.

HotJar: We use a third-party provider called “Hotjar” for certain types of use analytics. To learn more about Hotjar and how Hotjar stores this data, please view Hotjar’s privacy policy here: https://www.hotjar.com/privacy/.

 

“Cookies” and Other Tracking Technologies

 

“Cookies” are small pieces of information that are stored by your web browser software on your computer’s hard drive or temporarily in your computer’s memory, or on your mobile phone or other devices when you visit a website. We or our third-party providers place and store Internet cookies on your hard drive or device. Cookies can save any of the types of information noted above. Cookies enable us to personalize your viewing experience. When you revisit our website, we can recognize you by the cookie and customize your experience at this website accordingly. For example, we use cookies to recognize your access privileges to this website, track website usage and traffic patterns, identify you and keep track of your preferences, prevent fraudulent activity or improve website security, assess the performance of the website, add advertisements for goods or services of interest, and estimate the website’s audience size.

You can find out more about the cookies we use from each of the categories below.

Category: Strictly Necessary

Purpose: Security

Description: Some cookies help us detect, prevent, and mitigate malicious and fraudulent activities on our Services. Security cookies also support and enable other security features.

Category: Functional

Purpose: Analytics and Research

Description: We use some cookies to collect information about how people are using our Services. For example, these cookies allow us to know which pages are visited the most often, our site’s page load times, and page response times. Overall, these cookies provide us with analytical information about how our Services are performing and how we can improve them.

Category: Functional

Purpose: Preferences and Settings

Description: Your preferences may be stored in our cookies so you do not have to reset them every time you visit our Services. These cookies allow us to remember the choices you make to tailor this website and provide enhanced features and content to you. For example, these cookies can be used to remember your user name and region information.

Category: Functional

Purpose: Social Media Plugins

Description: In order to enhance your internet experience and to make the sharing of content easier, some of the pages on our Services contain tools or applications that are linked to third-party social media service providers such as Facebook, Twitter, LinkedIn, or Google. Through these tools or applications, the social media service provider may set its own cookies on your device. We do not control these cookies and you should check the social media service provider’s website for further details about how they use cookies.

Category: Advertising

Purpose: Advertising

Description: These cookies are used to deliver advertisements that are more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They remember that you have visited a website and this information may be shared with other organizations such as advertisers. This means after you are done using our Service you may see some advertisements about our Services elsewhere on the Internet.

Emails we send contain a bit of code known as a “web beacon”. This code allows us to understand the time and date when you have opened an email. If you wish to disable our web beacons, you should do so by turning images “off” in your email client (e.g., Outlook, Gmail). Please see your email client for more information.

To learn how you can control information collected about you using cookies and other technologies see Choices about your information.

 

HOW WE USE INFORMATION

 

We use your personal information to provide the Services to you, to improve our Services, and to protect our legal rights. We limit the collection of personal information to that which is relevant for these purposes. We will not store, access, transmit, retain or otherwise use personal information in any way that is incompatible with the purposes for which it has been collected or stored as described in this Notice without your consent. We use the personal information we collect in the following ways:

We process your information for the following purposes as necessary to provide the Services to you and perform our contract with you:

Facilitate your purchase: to facilitate your purchase of premium services or product.

Communicate with you: to communicate with you about our website or Services (including the notifications that are part of our Services), to send you updates or other communications regarding your account, or to inform you of any changes to our website or Services.

Provide Customer Support: to provide you support or other services you request. For example, we may need your information in order to provide technical support or answer questions about our website or Services.

We process your information for the following purposes as part of our legitimate interest in the improvement and marketing of our Services, and in the security of our Services. We apply appropriate safeguards to protect your information including as described in Security, Choices about your information and here Rights of residents of the European Union (EU):

Communicate about new features: We send you notifications about new features or information available on our Services or that we feel might be of interest to you. You can opt-out by emailing us at hi@ratepunk.com or clicking the Unsubscribe link in the email notifications you receive.

Promotions and giveaways: We send you emails about special promotions or giveaways that we feel might be of interest to you. You can opt-out by emailing us at hi@ratepunk.com or clicking the Unsubscribe link in the email notifications you receive.

To maintain and improve our website and Services: We analyze how our users interact with our website and extension in order to maintain and improve our website and extension. We also use information that we collect to diagnose any problems with our website and extension.

Benchmarking: We aggregate your information in order to gain insights into our Services. For example, to calculate the percentage of users in a particular city or country.

To create audience lists: We process and use your email information to create custom audience lists for our targeted marketing purposes on advertising platforms such as Facebook, Instagram, Twitter, Tiktok, Google, and Bing, or to create lookalike audiences to target with the marketing and advertising materials.

In our processing of your information, we also share your personal information to defend our rights and the rights of others, to efficiently maintain our business, and to comply with the law as described in How we share information.

 

HOW WE SHARE INFORMATION

 

We share your information with our service providers, among our entities, in connection with a corporate restructuring, to prevent harm, to comply with the law, for marketing and advertising purposes, and to protect our legal rights. The legal basis for this is our legitimate interest in providing our Services, complying with the law, and protecting our rights and those of others. We apply appropriate safeguards for this sharing of your information including as described below and in Security, Choices about your information, and Rights of residents of the European Union (EU).

Service Providers: We share information with service providers that help us perform website and extension functions and process your transactions.

We use Google Analytics to conduct data analytics on the usage of our services. A link to the Google privacy notice is https://policies.google.com/privacy.

We use Hotjar for certain types of use analytics. A link to Hotjar’s privacy policy is https://www.hotjar.com/privacy/.

Corporate Structure: We would share information if we are involved or intend to be involved in a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or in connection with bankruptcy or liquidation proceedings.

To Prevent Harm: We may share information if we believe it is necessary in order to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person.

To Protect Our Rights and As Required by Law: We will share information where we are legally required to do so, such as in response to court orders or legal processes, to exercise our legal rights, to defend against legal claims or demands, or to comply with the requirements of any mandatory applicable law. We will also share information as necessary to enforce the terms of this Notice, the Services Terms of Use, and any other terms that you have agreed to, including to protect the rights, property, or safety of RatePunk, its users, or any other person, or the copyright-protected content of the Services.

Marketing and Advertising our Services: We will share your email information with major advertising platform providers such as Facebook, Instagram, TikTok, Twitter, Google, Bing, and Pinterest, to create custom audiences that may be used by us to engage in targeted marketing. On Facebook, the process works as follows. Other sites are similar. Our customer list is hashed locally on our browser and then sent to Facebook. There, it is matched against Facebook’s existing list of Facebook’s users’ hashed IDs and the matches are added to RatePunks’s Custom Audience. Hashing turns the data in RatePunks’s customer list into short fingerprints that can’t be reversed. It happens before the data is sent to Facebook. After the Custom Audience is created by Facebook, the matched and unmatched hashes are deleted.

With Your Consent: We will request your permission to use or share your personal information for a specific purpose that is not compatible with the purposes listed here. We will notify you and request consent before you provide the personal information or before the personal information you have already provided is shared for such purpose. With your consent, we may also share your quotes and reviews on our Service for promotional purposes. If we rely on your consent to use or share your information, your consent may be revoked at any time by contacting us at hi@ratepunk.com.

 

SECURITY

 

The security of your personal information is important to us. We maintain reasonable physical, technical, and administrative security measures to protect and limit access to your personal information. No method of transmission over the Internet or electronic storage technology, however, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

 

CHOICES ABOUT YOUR INFORMATION

 

You can request to correct the information you provided to us, as well as request deletion of your information, by writing to us at hi@ratepunk.com. Even if you terminate your account, keep in mind that deletion of your personal information by our third-party providers may not be immediate and that deleted personal information may persist in backup copies for a reasonable period of time and as required by applicable laws and regulations. See: How long do we keep your information.

In the event that we refuse a request under rights of access, we will provide the individual with a reason as to why. Individuals residing in the EU also have the rights described in Rights of residents of the European Union (EU).

Cookies: If you would like to opt-out of accepting cookies altogether, you can generally set your browser to not accept cookies or to notify you when you are sent a cookie, giving you the chance to decide whether or not to accept it. Please note that certain functions of this website may not function properly if your web browser does not accept cookies. If you choose to opt-out, we will place an “opt-out cookie” on your computer or device. The “opt-out cookie” is browser-specific and device-specific and only lasts until cookies are cleared from your browser or device. The opt-out cookie will not work for some cookies that are important to how our websites and mobile apps work (“essential cookies”). If the cookie is removed or deleted, if you upgrade your browser, or if you visit us from a different computer, you will need to return and update your preferences.

Google Analytics: See http://www.google.com/policies/privacy/partners/ for information about how Google uses the information provided to Google Analytics and how you can control the information provided to Google. To prevent your data from being used by Google Analytics, you can download the Google Analytics opt-out browser add-on for Google Analytics which can be found here: https://tools.google.com/dlpage/gaoptout

Hotjar: See https://www.hotjar.com/privacy/ for information about how Hotjar uses the information it receives and how you can control the information provided to Hotjar. To prevent your data from being used by Hotjar, you can opt-out here: https://www.hotjar.com/legal/compliance/opt-out

Promotional emails: To unsubscribe from promotional emails please click the unsubscribe link included in the footer of all the promotional emails. By unsubscribing, you will be removed from our promotional email list and you will no longer receive any communications from us, including emails pertaining to the Services.

Email tracking: To disable our web beacons you may turn images “off” in your email client (e.g., Outlook, Gmail).

Advertising platforms: To edit your information and ad preferences on major marketing platforms, you will need to visit each platform. The following is a list of locations where this can be done:

Facebook/Instagram:

https://www.facebook.com/help/247395082112892

https://www.facebook.com/ads/about/

https://www.facebook.com/ads/preferences/

https://help.instagram.com/1415228085373580

Twitter:

https://help.twitter.com/en/safety-and-security/privacy-controls-for-tailored-ads

https://twitter.com/settings/your_twitter_data

https://twitter.com/settings/personalization

Google:

https://adssettings.google.com

https://support.google.com/ads/answer/2662922

Bing:

https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads

 

HOW LONG DO WE KEEP YOUR INFORMATION

 

We will retain your personal information until the later of (i) the information is no longer necessary to accomplish the purpose for which it was provided, (ii) there is no ongoing business reason to keep the information, or (iii) until you request that your account be deleted.

We retain your information for longer periods for specific purposes to the extent that we are obliged to do so in accordance with applicable laws and regulations and/or as necessary to protect our legal rights or for certain business requirements. For example, when we process your payments, we will retain this data for longer periods of time as required for tax or accounting purposes. More specifically, we would retain some data for longer periods of time for the following reasons:

Security, fraud & abuse prevention: i.e. To protect you, other people, and us from fraud, abuse, and unauthorized access.

Complying with legal or regulatory requirements: To meet any applicable law, regulation, legal process, or enforceable governmental request, as required to enforce our terms of service, including investigation of potential violations.

Direct communications with us: If you have directly communicated with us, through a customer support channel, feedback form, or a bug report, we may retain reasonable records of those communications.

Even if you delete your account, keep in mind that the deletion by our third-party providers may not be immediate and that the deleted information may persist in backup copies for a reasonable period of time. For any privacy or data-protection-related questions, please write to hi@ratepunk.com.

 

CROSS BORDER TRANSFERS OF INFORMATION

 

We process and store information on servers or databases, and use third-party providers that process information, in the United States and other countries. Therefore, your information will be transferred to those locations.

For EU and Swiss Individuals: Privacy Shield Notice for Personal Data Transfers to the United States

We will conduct any transfers of personal information from the European Economic Area (EEA) or from Switzerland to the US in compliance with the EU–US Privacy Shield Framework and the Swiss–U.S. Privacy Shield Framework (“Privacy Shield”) as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries and Switzerland transferred to the United States pursuant to Privacy Shield. We have certified to the Department of Commerce that we adhere to the Privacy Shield Principles with respect to such data. If there is any conflict between the policies in this Privacy Policy and data subject rights under the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification page, please visit https://www.privacyshield.gov/.

With respect to personal data received or transferred pursuant to Privacy Shield, RatePunk is subject to the investigatory and enforcement powers of the U.S. Federal Trade Commission.

If we become subject to an FTC or court order based on non-compliance, RatePunk shall make public any relevant Privacy Shield related sections of any compliance or assessment report submitted to the FTC, to the extent consistent with confidentiality requirements.

In certain situations, RatePunk may be required to disclose personal information in response to lawful requests by public authorities, including in order to meet national security or law enforcement requirements. For more information, please see How we share information.

When we receive personal information under the Privacy Shield, and then transfer it to third party services (including for the purposes described in How we share information), we are liable for any processing of personal information by such third parties that is inconsistent with the Privacy Shield Principles unless we prove that we are not responsible for the event giving rise to any alleged damage

We will provide an individual opt-out choice, or opt-in for sensitive data, before we share your data with third parties other than our agents, or before we use it for a purpose other than which it was originally collected or subsequently authorized. For more information about the choices you have regarding the collection and use of your information, see Choices about your information. Individuals who wish to restrict the processing of their personal data should contact us at hi@ratepunk.com.

In compliance with the Privacy Shield Principles, RatePunk commits to resolve complaints about your privacy and our collection or use of your personal information transferred to the United States pursuant to Privacy Shield. European Union and Swiss individuals with Privacy Shield inquiries or complaints should first contact us at hi@ratepunk.com.

Transfers of information not from the EEA

The laws in the United States may not be as protective of your privacy as those in your location. For example, United States law does not provide you with the right to access, modify and delete personal information in all cases. Further, government entities in the United States may have certain rights to access your personal information. When transferring personal information to and processing personal information in the United States we will implement appropriate safeguards and process the personal information in accordance with the terms of this Privacy Notice. By using our websites or our Services, you agree to the transfer and processing of your personal information to the United States.

 

RIGHTS OF RESIDENTS OF CALIFORNIA

 

If you are a visitor or user of the Services and reside in the State of California, you are entitled in accordance with the California Consumer Privacy Act (or “CCPA”) to access or delete personal information about you that we hold.

In the last 12 months, we collected the following categories of personal information: identifiers (such as name, email address, IP Address), internet or other electronic network activity information (such as activity on RatePunk website), commercial information, and geolocation data. For more details about the personal information we collect as well as where we share this information with third parties, please see the "INFORMATION THAT WE COLLECT", "HOW WE USE INFORMATION", and "HOW WE SHARE INFORMATION" sections above. We collect this information for the business and commercial purposes described in the “HOW WE USE INFORMATION” section above.

We do not sell the personal information we collect and will not sell it in the future without providing a right to opt-out.

You may request to exercise your access and deletion rights by emailing us at hi@ratepunk.com. For your protection, we will need to verify your identity before responding to your request. We may do so by verifying that the email address from which you send the request matches your email address on file. RatePunk will endeavor to respond to your request within forty-five (45) days. We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it. Only you or someone legally authorized to act on your behalf may make a verifiable consumer request related to your personal information.

 

CHILDREN’S PRIVACY

 

Our website and Services are not intended for use by children. We do not knowingly collect personal information from children under the age of 16 years. If we become aware that a child under 16 has provided us with personal information, we take steps to delete such personal information without undue delay. California users under the age of 18 may request the removal of their content or information publicly posted on the website by emailing us at the appropriate email address identified below.

UPDATES TO THIS NOTICE

We may update or modify this Notice from time to time. We will post the changes to this page, and will indicate the date they go into effect. We encourage you to review our Notice to stay informed. If we make changes that materially affect your privacy rights we will notify you of the changes by posting a prominent notice on our website or using other methods that we select, such as sending you an email.

“DO NOT TRACK”

The website is not currently configured to respond to Do Not Track signals sent by Internet browsers.

CONTACT US

Any questions or concerns about the interpretation or operation of this Notice or about what may or may not be done with regard to your information should be directed to:

Yard Venture, UAB

Gostauto str. 8, Vilnius, Lithuania

EUROPEAN UNION

hi@ratepunk.com