READ THESE TERMS AND CONDITIONS (“TERMS”) CAREFULLY BEFORE USING THE SERVICES DESCRIBED HEREIN. BY UTILIZING THE WEBSITE LOCATED AT WWW.RAMCREDIT.COM (“WEBSITE”), YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND THAT YOU AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO ALL OF THESE TERMS OF THIS AGREEMENT, YOU ARE NOT AN AUTHORIZED USER OF THESE SERVICES AND YOU SHOULD NOT USE THIS WEBSITE.
THIS WEBSITE ISN’T PLANNED FOR AND OUGHT NOT BE USED BY PEOPLE THAT ARE RESIDENT IN ANY JURISDICTION WHERE (BY REASON OF THAT PERSON’S ETHNICITY, HABITATION, HOME ETC.) THE DISTRIBUTION OR ACCESSIBILITY OF THIS SITE IS PRECLUDED OR AS OPPOSED TO LOCAL REGULATIONS OR GUIDELINES OR WOULD EXPOSE ANY RAMCredit SUBSTANCE TO ANY ENROLLMENT OR AUTHORIZING NECESSITIES IN SUCH LOCALES. IT IS YOUR OBLIGATION TO KNOW ABOUT ALL SIGNIFICANT ADMINISTRATIVE ENDORSEMENTS, LICENSES, AND TO SEE EVERY SINGLE PERTINENT REGULATION AND GUIDELINES OF ANY IMPORTANT PURVIEW REGARDING YOUR ENTRY TO THIS SITE. RAMCredit RESERVES THE RIGHT TO CHANGE, MODIFY, ADD OR REMOVE PORTIONS OF THESE TERMS AT ANY TIME FOR ANY REASON, IN WHICH OUR MEMBERS WILL BE NOTIFIED. WE SUGGEST THAT YOU REVIEW THESE TERMS PERIODICALLY FOR CHANGES. SUCH CHANGES SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING. YOU ACKNOWLEDGE THAT BY ACCESSING OUR WEBSITE AFTER WE HAVE POSTED CHANGES TO THESE TERMS, YOU ARE AGREEING TO THESE TERMS AS MODIFIED.
This Website is owned and controlled by RAMCredit Inc.
Nothing contained on this Site comprises accounting, tax, administrative, legal or insurance advice. Neither the data, nor assessment, contained on this Site comprises an advancement, suggestion, requesting or offer by RAMCredit or its subsidiaries to trade any protections, aggregate venture plans, prospects, choices or other monetary instruments or administrations, nor will any such security. Futures, options or other monetary instruments cannot be offered to any individual in any ward wherein such deal would be unlawful under the protections laws of such purview. Choices in light of data contained on this Site are the sole responsibility of the guest. In return for utilizing this Site, the guest consents to indemnify and hold RAMCredit, its officials, chiefs, representatives, associates, specialists, licensors and providers innocuous against all possible cases, misfortunes, risk, expenses and costs (counting yet not restricted to lawyers’ charges) emerging from your utilization of this Site, from your infringement of these Terms or from any choices that the guest makes in light of such data.
The investments and strategies discussed in the Website may not be suitable for all investors and are not obligations of RAMCredit or its affiliates. RAMCredit makes no representations that the contents are appropriate for use in all locations, or that the transactions, securities, products, instruments, or services discussed on this site are available or appropriate for sale or use in all jurisdictions or countries, or by all investors or counterparties. By making available information on the Website, RAMCredit does not represent that any investment vehicle is available or suitable for any particular user. All persons and entities accessing the Website do so on their own initiative and are responsible for compliance with applicable local laws and regulations.
Investment involves risk and may lose value. If you are considering making an investment, you are advised to obtain your own independent professional advice and to carefully consider all relevant risk factors. Here at RAMCredit, we act as a mediator between our members and our investments, thus eliminating the risk factor for our members. RAMCredit bears all the risk associated with investment.
An investment in RAMCredit frequently includes putting resources into worldwide business sectors. Notwithstanding the typical dangers related with investment, worldwide businesses imply the gamble of losing all or part of any capital from negative changes in currency values, from contrasts in proper accounting rules or from monetary or political unsteadiness in different countries. An interest in developing business sectors additionally implies different dangers, for example, expanded unpredictability and the chance of lower exchanging volume. RAMCredit has, over the years, been able to amass a large reserve of funds for such adverse conditions and as such, guaranty returns and safety of our members capital.
Important information about our investments are contained in the investment prospectus which is available upon request from RAMCredit.
The content contained on this Website is owned or licensed by RAMCredit and its third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property rights. Such content is solely for your personal, non-commercial use. Accordingly, you may not copy, distribute, modify, post, frame or deep link this Website, including any text, graphics, video, audio, software code, user interface design or logos. You may download material displayed on this Website for your personal use provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including all text, images, audio, and video, without RAMCredit’s written permission. Modification or use of the materials for any other purpose violates RAMCredit’s intellectual property rights.
All trademarks, service marks, trade names, and logos displayed on this Website are proprietary to RAMCredit and/or their respective owners. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the written permission of RAMCredit or such other third party that may own the trademark displayed on this Website. Your use of the trademarks displayed on this Website, except as provided herein, is strictly prohibited.
The use of the images displayed on this Website by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, and the laws of privacy and publicity, and communications, as well as other regulations and statutes. If you download any information from this Website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.
RAMCredit may establish links between this Website and one or more websites operated by third parties. RAMCredit has no control over any such other websites, the contents therein or the products/services offered. The existence of any such links shall not constitute an endorsement of, or representation or warranty by RAMCredit regarding such websites, the contents of the websites, the products or services of the websites or the operators of the websites. Your access to and use of such linked websites is governed by the terms of use and privacy policies of those sites, and shall be at your own risk. RAMCredit disclaims responsibility for the privacy policies and customer information practices of third-party internet websites hyperlinked from our Website.
Electronic communications can be intercepted by third parties and, accordingly, transmissions to and from this Website may not be secure. Communications to RAMCredit, particularly those containing confidential information, may be sent by mail to info@ramcredit.com. RAMCredit shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a website user to RAMCredit through this Website. RAMCredit reserves the right to cease providing, or to change, this Website and content of such information (or any portion or feature thereof) at any time or frequency, after notifying our members.
The information provided on this Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject RAMCredit or its affiliates to any registration requirement within such jurisdiction or country. Each investment product and service referred to on this Website is intended to be made available to residents of every nation, unless specifically stated by the nation’s laws.
These Terms shall be governed by, and shall be construed in accordance with, the laws of The United States. The courts of US shall have non-exclusive jurisdiction to hear and determine any suit, action or proceeding, and to settle any disputes, which may arise out of or in connection with these Terms and conditions.
RAMCredit and its affiliates and their respective officers, directors, employees or agents will be liable to you or anyone else for any damages of any kind, including, but not limited to, direct, consequential, incidental, special or indirect damages (including but not limited to lost profits, trading losses or damages that result from use or loss of use of this website), even if RAMCredit has been advised of the possibility of such damages or losses, including, without limitation, from the use or attempted use of this website or another linked website.
All content on this Website is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.
Except as otherwise stated in these Terms or as expressly authorized by RAMCredit in writing, you may not:
Use this Website in any manner that could damage or overburden any RAMCredit server, or any network connected to any
System Outages and Incomplete Transmissions
Internet software or transmission problems may produce inaccurate or incomplete copies of information and materials that may be downloaded and displayed on a user’s computer. RAMCredit is not liable for any damages, changes, or omissions that occur during transmission of information and materials.
With prior notice, RAMCredit may terminate your access to the Website if you go against the terms stated.
No waiver by RAMCredit of any right under or term or provision of these Terms will be deemed a waiver of any other right, term, or provision of these Terms at the time of such waiver or a waiver of that or any other right, term, or provision of these Terms at any other time.
If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions.
The preceding Terms of use represent the entire agreement between RAMCredit and the user relating to the subject matter herein. RAMCredit is an equal opportunity employer committed to diversity in the workplace.
Last Modified: January 9, 2020
RAMCredit Inc. and its subsidiaries (collectively “RAMCredit”) are committed to safeguarding Personal Information (“PI”) and processing PI in line with applicable privacy and data protection laws.
Our privacy notices set out the PI collected by RAMCredit, the purposes for which PI is collected and processed, who it may be disclosed to as well as Individuals’ Rights. For further information please click on the notice that is relevant to your relationship with RAMCredit. In addition, our Cookie Notice applies to any person visiting any of RAMCredit websites.
RAMCredit is committed to processing personal information, including sensitive personal information, in line with all applicable privacy and data protection laws.
References to “you” or “your” refers to individuals whose personal information is processed by RAMCredit, including clients with direct or indirect relationships (such as those who invest through an intermediary); employees, friends, officers, agents (together “Representatives”); and beneficial owners of an organization or entity in connection with:
This Privacy Notice sets out the purposes for which we collect, use and disclose (collectively “processing”) personal information and how it is protected. It also sets outs individuals’ rights in relation to the processing of their information.
There may be additional terms, conditions and commitments that also govern how we collect, use and disclose your personal information, which should be read in conjunction with this Privacy Notice.
Personal Information (PI) is information relating to an individual, which can be used either alone or with other sources of information to identify that individual. PI does not include data where the identity of the individual or the specific detail of the information has been removed and is therefore anonymous. SPI is a sub-category of PI that includes PI relating to race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, information about health and genetic and biometric data.
The nature of the information that we collect will depend on the services we provide and our relationship with you. We categorize PI we process as follows (the PI listed for each category are non-exhaustive examples):
We collect PI in relation to you in a number of ways, including:
We may also create or derive PI such as creating records of your interactions with us, subject to applicable law.
Unless we otherwise indicate that the provision of specific PI is optional, any PI we request is necessary for us to provide you or your organization with the products and services requested. If you do not provide the PI requested, we may not be able to provide those products and services.
We may disclose PI in any jurisdiction to:
To provide global services and in the course of running our business, we may transfer PI to a location outside of the country where you reside or where services are provided to you or the organization you work for, including RAMCredit processing centers in the USA. Although the country to which PI may be transferred may not have the same level of privacy and data protection laws, we apply the same level of security and organizational controls to the processing of PI wherever it is processed. We require by contract that our third party service providers processing PI on our behalf to comply with RAMCredit’s criteria for PI processing.
We do not share or sell your PI to third parties for the third party to use for their own marketing or other purposes.
We will process your PI for as long as is necessary to fulfil the purpose for which it was collected or to comply with legal, regulatory, accounting, reporting, internal policy requirements or for the establishment or defense of legal claims.
We use a range of physical, electronic and managerial measures to ensure a level of security appropriate to the risk of PI processing. These measures include:
The security of data transmitted over the internet (including by e-mail) cannot be guaranteed and carries the risk of access and interception. You should not send us any PI by open/unsecure channels over the internet. We endeavour to protect personal information but cannot guarantee the security of data transmitted to us or by us.
In certain circumstances you may have the following rights in relation to the processing of your PI:
You may exercise your rights at any time by using the details set out in the Contacting us section. To the extent permitted by applicable law or regulation we reserve the right to charge an appropriate fee in connection with you exercising your rights.
We may need to request specific information from you to help us confirm your identity and ensure your right to access to the PI requested, or to exercise any of your other rights. This is to ensure that PI is not disclosed to any person who does not have authority to receive it. We may also request further information in relation to your request to help us to locate the PI processed in relation to you, including, for example, the nature and location of your relationship with us.
We will respond to all legitimate requests in line with the timescales set out in applicable law.
You will not be disadvantaged in any way by exercising your rights in relation to the processing of your PI.
We may modify or amend this Privacy Notice from time to time and you are advised to visit our website regularly to check for any amendments. Any material changes will be communicated to you through an appropriate channel, depending on how we normally communicate with you.
Last Modified: January 09, 2020
