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Last updated: 18/04/2025
This Privacy Policy describes My policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.
I use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
For the purposes of this Privacy Policy:
Account
means a unique account created for You to access our Service or parts of our Service.
Partner
means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Sole Proprietor
(referred to as either "the Sole Proprietor", "Me", "My", "Myself" or "I" in this Agreement) refers to Don Ritacco Insurance, 1775 Hillcrest Lane, Aston PA 19014.
Cookies
are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Country
refers to: PA, US
Device
means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Personal Data
is any information that relates to an identified or identifiable individual.
Service
refers to the Website.
Service Provider
means any natural or legal person who processes the data on behalf of the Sole Proprietor. It refers to individuals hired as independent contractors by the Sole Proprietor to facilitate the Service, to provide the Service on behalf of the Sole Proprietor, to perform services related to the Service or to assist the Sole Proprietor in analyzing how the Service is used.
Usage Data
refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website
refers to Don Ritacco Insurance accessible from
You
means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
While using My Service, I may ask You to provide Me with certain personally identifiable information that can be used to contact or identify You.
Personally identifiable information may include, but is not limited to:
Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City
Usage Data
Usage Data is collected automatically when using the Service.
Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, I may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
I may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.
The Sole Proprietor allows You to create an account and login to use the Service through the following Media Services:
I use Cookies and similar tracking technologies to track the activity on My Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze My Service. The technologies I use may include:
Cookies or Browser Cookies.
A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
Web Beacons.
Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. Learn more about cookies on the Free Privacy Policy website article.
I use both Session and Persistent Cookies for the purposes set out below:
Necessary / Essential Cookies
Type: Session Cookies
Administered by: Me
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and I only use these Cookies to provide You with those services.
Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
Functionality Cookies
Type: Persistent Cookies
Administered by: Me
Purpose: These Cookies allow Me to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
Tracking and Performance Cookies
Type: Persistent Cookies
Purpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. I may also use these Cookies to test new pages, features or new functionality of the Website to see how our users react to them.
For more information about the cookies I use and your choices regarding cookies, please visit My Cookies Policy or the Cookies section of our Privacy Policy.
The Sole Proprietor may use Personal Data for the following purposes:
To provide and maintain our Service, including to monitor the usage of My Service.
To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Me through the Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, services and events which I offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Me.
For business transfers: I may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of My assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Me about My Service users is among the assets transferred.
For other purposes: I may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.
The Sole Proprietor will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. I will retain and use Your Personal Data to the extent necessary to comply with My legal obligations (for example, if I am required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
The Sole Proprietor will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of My Service, or I am legally obligated to retain this data for longer time periods.
Your information, including Personal Data, is processed at the the Sole Proprietor's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.
The Sole Proprietor will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.
You have the right to delete or request that I assist in deleting the Personal Data that I have collected about You.
My Service may give You the ability to delete certain information about You from within the Service.
You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Me to request access to, correct, or delete any personal information that You have provided to Me.
Please note, however, that I may need to retain certain information when I have a legal obligation or lawful basis to do so.
If the Sole Proprietor is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. I will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy
Under certain circumstances, the Sole Proprietor may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
The Sole Proprietor may disclose Your Personal Data in the good faith belief that such action is necessary to:
Comply with a legal obligation
Protect and defend the rights or property of the Sole Proprietor
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of Users of the Service or the public
Protect against legal liability
The security of Your Personal Data is important to Me, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While I strive to use commercially acceptable means to protect Your Personal Data, I cannot guarantee its absolute security.
The Service Providers I use may have access to Your Personal Data.
I may use Service providers to monitor and analyze the use of My Service.
Google Analytics
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy
I may use Your Personal Data to contact You with newsletters, marketing or promotional materials and other information that may be of interest to You. You may opt-out of receiving any, or all, of these communications from Me by following the unsubscribe link or instructions provided in any email I send or by contacting Me directly.
I may provide paid products and/or services within the Service. In that case, I may use services for payment processing (e.g. payment processors).
I will not store or collect Your payment card details. That information is provided directly to My payment processors whose use of Your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.
PayPal
Their Privacy Policy can be viewed at https://www.paypal.com/webapps/mpp/ua/privacy-full
Authorize.net
Their Privacy Policy can be viewed at https://www.authorize.net/company/privacy/
Stripe
Their Privacy Policy can be viewed at https://stripe.com/au/privacy
The Sole Proprietor uses remarketing services to advertise to You after You accessed or visited our Service. My vendors use cookies and non-cookie technologies to help Me recognize Your Device and understand how You use our Service so that I can improve My Service to reflect Your interests and serve You advertisements that are likely to be of more interest to You.
These vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies and to enable Me to:
Measure and analyze traffic and browsing activity on My Service
Show advertisements for My products and/or services to You on websites or apps
Measure and analyze the performance of My advertising campaigns
Some of these vendors may use non-cookie technologies that may not be impacted by browser settings that block cookies. Your browser may not permit You to block such technologies. You can use the following tools to decline the collection and use of information for the purpose of serving You interest-based advertising:
The NAI's opt-out platform: http://www.networkadvertising.org/choices/
The EDAA's opt-out platform: http://www.youronlinechoices.com/
The DAA's opt-out platform: http://optout.aboutads.info/?c=2&lang=EN
You may opt-out of all personalized advertising by enabling privacy features on Your mobile device such as Limit Ad Tracking (iOS) and Opt Out of Ads Personalization (Android). See Your mobile device Help system for more information.
The vendors I use are:
Google Ads (AdWords)
Google Ads (AdWords) remarketing service is provided by Google Inc.
You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads
Google also recommends installing the Google Analytics Opt-out Browser Add-on - https://tools.google.com/dlpage/gaoptout for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy
Facebook remarketing service is provided by Facebook Inc.
You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/516147308587266
To opt-out from Facebook's interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217
Facebook adheres to the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA: http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada, http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.
For more information on the privacy practices of Facebook, please visit Facebook's Data Policy: https://www.facebook.com/privacy/explanation
Your privacy is of utmost importance, and the protection of your personal information is a priority. No mobile information will be shared, sold, or disclosed to third parties or affiliates for marketing or promotional purposes. The only instances where information may be shared are with trusted subcontractors or service providers who assist in delivering essential services, such as customer support. These parties are strictly bound to use the information solely for providing these services and are required to maintain confidentiality.
By continuing to use the Service, you acknowledge and agree to this policy. If you do not agree with these terms, access to the Service should be discontinued.
My Service does not address anyone under the age of 13. I do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Me with Personal Data, please contact Me. If I become aware that I have collected Personal Data from anyone under the age of 13 without verification of parental consent, I will take steps to remove that information from My servers.
If I need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, I may require Your parent's consent before I collect and use that information.
My Service may contain links to other websites that are not operated by Me. If You click on a link, You will be directed to that site. I strongly advise You to review the Privacy Policy of every site You visit.
I have no control over and assume no responsibility for the content, privacy policies or practices of any sites or services.
I may update My Privacy Policy from time to time. I will notify You of any changes by posting the new Privacy Policy on this page.
I will let You know via email and/or a prominent notice on My Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
If you have any questions about this Privacy Policy, You can contact Me by email: [email protected]
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