Privacy Policy

Last Updated: February 29th 2025

Prism Collective (“Company” or “We”) is committed to protecting your privacy. This policy outlines what information we collect when you visit https://rich0.com (our “Website”), and how we collect, use, maintain, protect, and disclose that information.

This policy covers information collected through our Website; email, text, and other electronic communications between you and the Website; and your interactions with our advertising and applications on third-party websites when they link to this policy.

This policy does not apply to information collected offline or through other means, including other websites operated by Prism Collective or third parties, including our affiliates and subsidiaries, or through applications or content accessible from this Website.

Please review this policy carefully. If you disagree with our policies, please do not use our Website. By accessing our Website, you agree to this privacy policy. The policy may be updated periodically, and continued use after changes constitutes acceptance of those changes.

1. Your Rights as an EU Resident

LEGAL BASIS FOR PROCESSING PERSONAL INFORMATION UNDER GENERAL DATA PROTECTION REGULATION (“GDPR”)

For European Economic Area (EEA) residents, Prism Collective’s legal basis for collecting and using your Personal Information depends on the specific information and context. We may process your information because:

– We need to perform a contract with you

– You have provided permission

– Processing serves our legitimate interests without overriding your rights

– We need to comply with applicable law

Please note:

– When we obtain your Personal Information from sources other than you, we process it based on legitimate interests until you either provide consent or request we stop processing

– We archive information about your use of our Services even after consent withdrawal, but only for legal claims or audit purposes related to contracts

– We use anonymized information (with name and email removed) about your service usage for statistical analysis and research

YOUR DATA PROTECTION RIGHTS UNDER THE GDPR

As an EEA resident, you have these data protection rights:

– The right to access, update, or delete your information

– The right of rectification for inaccurate or incomplete information

– The right to object to our processing of your Personal Information

– The right to request restriction of processing

– The right to data portability in a structured, machine-readable format

– The right to withdraw consent when we rely on consent for processing

CROSS-BORDER DATA TRANSFER

If we transfer your Personal Information outside the EEA to countries without adequate protection levels as determined by the European Commission, we implement appropriate safeguards recognized by the European Commission. Contact us for further information on these transfer mechanisms.

2. California Privacy Protection Framework

California Civil Code Section § 1798.83 permits California residents to request information regarding our disclosure of personal information to third parties for direct marketing purposes. Direct such requests to admin@rich0.com.

California residents may have additional rights under the California Consumer Privacy Act of 2018 (“CCPA”). “Personal Information” in this section has the meaning provided in the CCPA, excluding exempted information.

PERSONAL INFORMATION THAT WE COLLECT, USE AND SHARE

We have not sold your Personal Information in the preceding 12 months. The chart referenced in the document describes our collection, use, and sharing practices during the 12 months prior to this Privacy Policy’s effective date.

As a California resident, you have these rights:

Information. You can request details about how we’ve collected and used your Personal Information during the past 12 months, including:

– Categories of Personal Information collected

– Sources of collection

– Business/commercial purpose for collection/selling

– Categories of third parties with whom we share information

– Whether we’ve disclosed your information for business purposes and to whom

– Whether we’ve sold your information and to whom

You can also request a copy of the Personal Information we’ve collected about you during the past 12 months.

Deletion. You can request deletion of Personal Information we’ve collected from you.

Opt-out of sales. We don’t currently sell your Personal Information. If we plan to do so, you’ll be notified and can opt out.

Opt-in. For users under 16 years old (or under 13 with parental/guardian permission), we’ll request permission before selling Personal Information.

You may exercise these rights without discrimination in service quality or pricing.

HOW TO EXERCISE YOUR RIGHTS

To exercise your California privacy rights:

Right to information, access and deletion. Email admin@rich0.com

Right to opt-out of Personal Information “sale”. We don’t currently sell your information. If we plan to do so, we’ll provide an opt-out link.

We may verify your California residency and identity, potentially requiring government identification. Authorized agents may make requests on your behalf with valid documentation including a power of attorney, your government ID, and the agent’s government ID.

3. Children’s Privacy Safeguards

Children under 13 must not provide personal information to this Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not provide any information on this Website, register, make purchases, use interactive features, or provide any personal information. If we discover we have collected information from a child under 13 without parental consent, we will delete that information. If you believe we might have information from or about a child under 13, please contact us at admin@rich0.com.

4. How We Collect Information Through Registration

Our registration forms may request contact information (name, email, mailing address), demographic information (country, gender), IP information, and profile data (industry, employer, clients, business practices). You may receive a username and/or password.

We use this information internally to communicate with you, provide requested services, and create a more tailored experience. We use aggregate demographic and profile information to improve our service, for research, marketing/promotional purposes, and industry reporting. By visiting our site and accepting our terms of service, you consent to our collection and use of your data.

5. Our Communication Practices

Registered users and customers may receive newsletters and communications promoting products or services from us and our partners. We may offer other visitors the opportunity to receive such information. We request contact information and sometimes demographic and profile information.

We use this information as described in the Registration section. We may offer users the choice to receive mailings from other parties. Recipients can unsubscribe via instructions in email communications. To keep users informed about our services, we may send necessary emails and announcements. To opt out, email us at admin@rich0.com.

6. Information You Choose to Share

We may retain emails and information you submit for internal purposes and to better serve you. Information we collect may include:

– Information provided in forms, including when applying for services or reporting problems

– Correspondence records if you contact us

– Survey responses

– Transaction details and order fulfillment information

– Contest, sweepstakes, and survey information, which we may share with partners as needed to conduct these activities

– Information sent to others through our features like e-cards or “Tell A Friend”

– Information posted through interactive community features, which may be publicly available

By disclosing personal information through these features, you consent to its distribution as described. Users are responsible for content they post publicly.

7. Interactive Community Guidelines

User Contributions posted on public areas of the Website are made at your own risk. Though we limit access to certain pages and offer privacy settings, no security measures are perfect. We cannot control actions of other users with whom you share User Contributions, and cannot guarantee that unauthorized persons won’t view your content.

When using interactive features, information you disclose may be collected and used by others, potentially resulting in unsolicited communications. By accessing these features and sharing personal information, you consent to its distribution as described. Users are solely responsible for their public posts.

8. How We Automatically Collect Data

As you navigate our website, we may automatically collect:

– Visit details including traffic data, location data, logs, and communication data

– Computer and internet information including IP address, operating system, and browser type

We may also track your online activities over time across websites (behavioral tracking). You can learn about opting out of such tracking at https://thenai.org/opt-out/.

This automatically-collected information may include personal information or may be associated with personal information from other sources. It helps us improve our website and deliver better service by:

– Estimating audience size and usage patterns

– Storing preference information for customization

– Accelerating searches

– Recognizing return visits

Technologies used for automatic data collection include:

– Browser cookies: Small files placed on your computer that you can block through browser settings

– Flash cookies: Local stored objects for certain website features, managed through Flash settings

– Web beacons: Small electronic files (clear gifs, pixel tags, single-pixel gifs) that count page visits, email opens, and verify system integrity

Most web browsers allow you to block or delete cookies through the Privacy tab in Tools/Options. Disabling cookies may impact website functionality.

We don’t control third parties’ collection of information for interest-based advertising, but these parties may provide opt-out options. Note that disabling all cookies will also disable opt-out cookies used by NAI to prevent unwanted advertising.

9. Information Sharing Practices

We may share your information with third-party business partners, and in some cases cannot control their privacy practices. By visiting our site, you consent to our collection, use, and distribution of your data.

We disclose information when required by law, court order, subpoena, or legal obligation; in response to law enforcement requests; or when necessary to protect our rights or property. Bankruptcy courts may permit information sharing without permission.

We share aggregate, non-personally identifiable information with others for research, marketing/promotional purposes, and industry reporting.

10. How We Put Your Information to Work

We use your information to:

– Present our website and content

– Provide requested information, products, or services

– Fulfill purposes you authorize

– Provide account notices including expiration and renewal

– Fulfill contractual obligations and enforce rights

– Notify you of website or service changes

– Administer sweepstakes or promotions

– Enable interactive features

– Fulfill other described purposes

– Address any purpose with your consent

We may contact you about our own and third parties’ goods and services. To opt out, email admin@rich0.com.

We may use your information for targeted advertising. While we don’t disclose personal information for this purpose without consent, advertisers may assume you meet their criteria if you interact with their advertisements.

We may disclose personal information to:

– Subsidiaries and affiliates

– Contractors and service providers bound by confidentiality obligations

– Buyers or successors in business transactions

– Third-party marketers if you haven’t opted out

– Recipients you specify when using site features

– Other disclosed recipients when you provide information

– Recipients with your consent

We may also disclose information to:

– Comply with legal processes or government requests

– Enforce terms of use and agreements

– Protect our rights, property, or safety and those of others

11. Your Acceptance of Our Privacy Practices

By accepting this policy, you choose to receive certain communications from us and third parties and agree to these privacy practices. We provide additional opportunities to select communications preferences. You may change preferences by following instructions in communications or by contacting us. Be aware that some messaging systems may not include opt-out options; contact us to change preferences for these communications.

12. Accessing Your Information

If your personal information changes, we provide ways to correct or update it. Contact us with questions about making data changes.

13. Our Security Commitment

We implement security measures to protect your information from accidental loss, unauthorized access, alteration, and disclosure. We store information on secure servers behind firewalls and encrypt payment transactions with SSL technology.

Your security participation is important. Keep passwords confidential and be cautious when sharing information in public areas of the Website, which may be viewed by any user.

Internet transmission is never completely secure. While we strive to protect your personal information, we cannot guarantee its security. Information transmission is at your own risk.

14. External Website Links

We may provide links to sites we don’t control. We are not responsible for these sites, their privacy policies, or their information practices. We recommend reviewing their privacy policies.

15. Managing and Updating Your Personal Information

You can review and change your personal information by logging into your account profile.

You may email admin@rich0.com to request access, correction, or deletion of your personal information. Deleting personal information typically requires account deletion. We may decline requests that would violate laws or make information incorrect.

If you delete User Contributions, copies may remain in cached and archived pages or may have been saved by other users. Proper access and use of Website information is governed by our terms of use at https://rich0.com/tos/.

For privacy questions, contact us at admin@rich0.com.

© 2025 Prism Collective