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Introduction

This web sites which are located at the domain riveranomics.com (the “Site”) are operated by IRP Investment Corporation, INC. (“riveranomics” or “we” or “our” or “us”). Your privacy is important to us. This Privacy Policy describes the types of information collected from you, what we do with it, with whom we share it, and how you can correct or change such information. It is your responsibility to review this Privacy Policy carefully, especially before providing any personal data through the Site. This Site is operated in and controlled from Puerto Rico territory of the United States of America. If you have any questions about this Privacy Policy or Site, please contact us atlegal@riveranomics.com.

Other websites you may access via riveranomics or any of its affiliates have different privacy policies and are not subject to this privacy policy. We suggest that you read each of their privacy statements to understand how they protect your personal information

PLEASE REVIEW THIS PRIVACY POLICY AND THE TERMS OF SERVICE FOR THE SITE CAREFULLY. YOUR USE OF THIS SITE SIGNIFIES YOUR AGREEMENT TO SUCH PRIVACY POLICY AND TERMS OF SERVICE.

Types of Information Collected

Personal Data: Personally Identifiable Information (“Personal Data”) is any information that can be used to identify a specific individual, such as your name, email address, home address, phone number and credit card information. This Site collects Personal Data when you interact with the Site, for example when you register for our free or pay Services, including without limitation, newsletters, blogs or other user forums; respond to polls or surveys; purchase merchandise via the Site; and other promotional opportunities. We also may collect information when you purchase products or services on or offline, (”Other Services”). Because providing detailed information regarding our privacy policy when you register or provide information in connection with these Other Services often proves impractical, you may instead be provided with a short notice that reminds you to refer to this Privacy Policy and other relevant information from us. We may also obtain Personal Data from reputable third parties, such as credit agencies.

Aggregate and Anonymous Data

Aggregate and anonymous data are information collected automatically through the operation of the Site (“AA Data”). We may collect site usage data (such as which Site pages you visit and in what sequence) through the use of various technologies. For example, we collect IP addresses from individuals who visit the Site. An IP address is a number that is automatically assigned to your computer whenever you’re surfing the Web. Web servers, the computers that “serve up” Web pages, automatically identify your computer by its IP address, and when you request a page from a website, its servers log your IP address. We do not link IP addresses to any Personal Data, so although your session will be logged, you will remain anonymous to us and the Site. We may also collect password information from you when you log in, as well as computer and connection information such as browser type or version. During some visits, we may use software tools, such as Javascript, to measure and collect session information, including page response times, download errors, time spent on certain pages, page interaction information, and methods used to browse away from the page.

Use of Cookies and Similar Technologies

Like many sites, we use “cookies” or other similar technologies to collect AA Data. A cookie is a small data file that writes to your hard drive for record keeping purposes when you visit the Site. Cookies allow the Site to measure traffic activity on the Site and to improve your user experience, for example by remembering your passwords and viewing preferences, allowing you to visit “member only” portions of the Site without re-registering, and tracking the progress and number of entries in activities that require registration or entry, such as sweepstakes. Similarly, if you have asked us to send you information about upcoming products and promotions, using cookies we collect information about which Site pages you have visited and in what order (“Clickstream Data”) that may allow us to narrow or limit the materials provided to you based on your prior online activities or preferences. Most browsers are initially set to accept cookies. If you prefer, you can set your browser to refuse cookies or to alert you when cookies are being sent, but it is possible that some parts of the Site will not function properly if you do so.

USERS WHO DO NOT WISH TO HAVE WEB COOKIES PLACED ON THEIR COMPUTERS SHOULD SET THEIR BROWSERS TO REFUSE WEB COOKIES BEFORE ACCESSING THE SITE, WITH THE UNDERSTANDING THAT CERTAIN FEATURES OF THE SITE MAY NOT FUNCTION PROPERLY WITHOUT THE AID OF WEB COOKIES. USERS WHO REFUSE WEB COOKIES ASSUME ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.

Web Beacons

A “Web Beacon” is an object that is embedded in a web page that is usually invisible to the user and allows website operators to check whether a user has viewed a particular web page or an email. We may use Web Beacons on the Site and in emails to count users who have visited particular pages, viewed emails, and to deliver co-branded services. Web Beacons are not used to access users’ Personal Information; they are a technique we may use to compile aggregated statistics about Site usage. Web Beacons collect only a limited set of information including a Web Cookie number, time and date of a page or email view, and a description of the page or email on which the Web Beacon resides. You may not decline Web Beacons, however, they can be rendered ineffective by declining all Web Cookies or modifying your browser setting to notify you each time a Web Cookie is tendered and permit you to accept or decline Web Cookies on an individual basis.

Third Party Advertisers

We use third-party advertising companies to serve ads when you visit the Website. These companies may use information (not including any Personal Information) about your visits to this and other websites that are contained in Web Cookies and Web Beacons in order to provide advertisements about goods and services of interest to you. The use of these technologies by these third party ad servers is subject to their own privacy policies and is not covered by our Privacy Policy. Using a tool created by the Network Advertising Initiative, you can opt out of several third party ad servers’ and networks’ Web Cookies simultaneously. We allow advertisers to choose the characteristics of users who will see their advertisements and we may use any of the non-Personal Information attributes we have collected (including information you may have decided not to show to other users, such as your birth year or other sensitive personal information or preferences) to select the appropriate audience for those advertisements. We do not identify you to the advertiser.

Affiliate Services

The site “we” will earn an affiliate commission for any purchases you (user, visitor) make. Affiliate links use “cookies” or other similar technologies to track user purchase and online actions.

Our Use of Your Data

Personal Data: We will use your Personal Data for the purposes for which it was provided. For example, if you provide Personal Data to register for a newsletter, or to purchase goods or services, we will use it to register you for or provide you with those goods or services. We may also use your Personal Data to provide you with information about features, services and other offerings that may be of interest to you. We also may send information or offers to selected groups of Site users on behalf of other businesses. When we do this, we do not give those businesses your name or address. Cookies and similar tools may be used to relate your use of the Site and AA Data to Personal Data obtained from you. If any AA Data are linked with Personal Data, the linked AA Data will then be treated as Personal Data.
We may use AA Data collected from the Site for site administration, advertising and promotional purposes, and we may share such information with various affiliated and unaffiliated entities for such purposes. For example, IP addresses are used for the purposes of system administration and to provide AA Data to advertisers about the volume of use on the Site, and Clickstream Data and demographic AA Data may be shared with our advertisers and business partners. We may also enter into agreements with outside companies that possess technology that allows the Site to customize the advertising and marketing messages you receive on the Site. This data (including Clickstream Data about your activities on our Site) may be shared with these companies for this purpose.

Disclosure of Personal Data

Disclosure to Affiliates: Personal Data collected by this Site may be shared with our affiliates. We reserve the right to share both Personal Data with our affiliates. If you do not want us to share your Personal Data with our affiliated companies for their marketing purposes, you may opt-out of such sharing by contacting us at legal@riveranomics.com. (see “Your Choices” below).

Disclosure to Third Parties: riveranomics, like many businesses, sometimes hires other companies to perform certain business-related functions on our behalf such as hosting specific portions of the Site, maintaining databases, contests, services, mailing information and processing payments. When we employ a third party to perform these functions, that third party will only be provided with the particular Personal Data it needs to perform its function, and is required to protect the Personal Data. With your consent, we may also share Personal Data with pre-screened third parties for their marketing or promotional purposes. We will provide you with an opportunity to elect or decline these services or opportunities (see “Your Choices” below). In the event you have elected to “unsubscribe” from any of our services, we will share your Personal Data with third parties with whom we jointly offer such services solely to the extent necessary to ensure that your request not to receive such communications is honored. In addition, for third-party sponsored sweepstakes, contests or promotions, we may request Personal Data from you that may be shared with the sponsor upon request. When you register on the Site you will be able to opt-in or opt-out of such sharing on the Member Center page.

Disclosure to Others: In addition, we may disclose Personal Data without providing you with a choice under the following limited circumstances to: (1) protect the legal rights, privacy or safety of riveranomics, or its subsidiaries, affiliates or its or their employees, agents and contractors; (2) protect the safety and security of visitors to our web sites or other properties; (3) protect against fraud or other illegal activity or for risk management purposes; (4) respond to inquiries or requests from public authorities; (5) permit us to pursue available remedies or limit the damages that we may sustain; (6) enforce our Terms of Service; or (7) comply with the law or legal process.

Your Choices

You can use the Site and certain Other Services without providing any Personal Data, but if you decline to provide Personal Data, you may not be able to use certain services or features. If you have previously provided Personal Data to the Site and have subscribed to one or more email newsletters or are receiving emails or other communications from the Site and you do not want to receive such emails, please discontinue your subscriptions by selecting the “unsubscribe” link at the bottom of any message, or contacting us at: legal@riveranomics.com. If you ask that we stop using your Personal Data, we will honor that request. However, we will retain records of your Personal Data as needed in order to comply with applicable federal, state, or local law.

Children and Privacy

We encourage parents and guardians to spend time with their children online and to be fully familiar with the sites visited by their children. At various places on the Site or Other Services, we may ask users for their age. By using the Site or Other Services you agree to respond truthfully and accurately about your age. Children under the age of 13 years of age are expressly prohibited from submitting or posting any Personal Data on the Site or Other Services.

Comment Boards, Blogs and Other User Forums

Please remember that information posted to Comment boards, blogs and other user forums becomes public information. Use caution when posting. Individuals under the age of 18 should be especially careful not to provide any personally identifiable information when participating in any area of the Site where postings might become public. Please see our Terms of Service for the standards of behavior that must be followed when using these portions of the Site or Other Services.

Data Security Disclaimer

riveranomics takes reasonable security precautions to secure the Personal Data that you choose to provide against the loss, misuse, alteration or unauthorized access of such information. Unfortunately, no transmission of data over the Internet is guaranteed to be completely secure. It may be possible for third parties not under the control of riveranomics to intercept or access transmissions or private communications unlawfully. While we strive to protect your Personal Data, we cannot ensure or warrant the security of any Personal Data you transmit to us. Any such transmission is done at your own risk. If you believe that your interaction with us is no longer secure, please notify us of the problem by contacting us at legal@riveranomics.com.

Exclusions

This Privacy Policy shall not apply to any unsolicited information you provide to riveranomics on or through this Site or Other Services. Please see our Terms of Service for our policies regarding such Unsolicited Information. All such Unsolicited Information shall be deemed to be non-confidential, and riveranomics shall be free to reproduce, use, disclose and distribute such Unsolicited Information to others without limitation or attribution.

Other Terms and Conditions

Your access to and use of this Site or Other Services is subject to the Terms of Service.

Applicable Law

We control and operate this Site from the United States. The Site is not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States. Please note that we do not represent or warrant that the Site is appropriate for use in any particular jurisdiction. Those who choose to access the Site do so at their own initiative and are responsible for complying with all local laws, rules and regulations.

Changes to this Privacy Policy

From time to time, we may revise this Privacy Policy to reflect industry initiatives, changes in the law or technology, or changes in our practices regarding information collection and use. Any changes to this policy will become effective upon posting of the revised Privacy Policy on the Internet, accessible through the Site. By continuing to use the Site following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Privacy Policy, as it may be amended from time to time, in whole or in part, please do not continue using this Site.

WE RESERVE THE RIGHT, AT ANY TIME, TO ADD TO, CHANGE, UPDATE, OR MODIFY THIS POLICY, SIMPLY BY POSTING SUCH CHANGE, UPDATE, OR MODIFICATION ON THE SITE AND WITHOUT ANY OTHER NOTICE TO YOU. ANY SUCH CHANGE, UPDATE, OR MODIFICATION WILL BE EFFECTIVE IMMEDIATELY UPON POSTING ON THE SITE. IT IS YOUR RESPONSIBILITY TO REVIEW THIS POLICY FROM TIME TO TIME TO ENSURE THAT YOU CONTINUE TO AGREE WITH ALL OF ITS TERMS.

Contacting riveranomics Regarding Your Privacy

If you have any questions about this Privacy Policy, Personal Data gathered by this Site or Other Services, or about the operation of this Site or Other Services, or if you wish to unsubscribe from the Site or Other Services, please contact us atlegal@riveranomics.com, or at the address listed below.

IRP Investment Corporation Hc 04 Box12543 San Germán, Puerto Rico 00683 legal@riveranomics.com