Privacy Policy

Last updated January 31, 2023.


This privacy policy describes how Robotic Processing Solutions Inc. d/b/a/ Rapidio, a Delaware Corporation with offices at 80 SW 8th St., Ste 2000, Miami, FL 33141 (“we”, “us,” or “our”) collects and uses the personal information of users and visitors of our Site (“user”, “you”, or “your”): www.rapidio.com (“Site”) and the services we make available through our Site (collectively “Services”). It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

We understand you value your privacy.  We seek to protect Personal Information in accordance with applicable data protection laws. When referred to in this Privacy Policy, the term “Personal Information” includes any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular individual or household, including that is subject to applicable data protection laws. This Privacy Policy applies only to Personal Information collected on the Site or otherwise in connection with the Services.

Rapidio is committed to always protecting your privacy and your Personal Information. To that end, we employ and maintain physical, electronic, and procedural safeguards to ensure your Personal Information is protected.

Please review this Privacy Policy in conjunction with our Terms of Use. By using the Services, you accept and agree to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Services or provide us with any Personal Information. It is important that you read this Privacy Policy together with any other privacy notice we may provide on specific occasions when we are collecting or processing your Personal Information.
 
How and why we collect personal information

We primarily collect information by specifically requesting it from you. Generally, this occurs if you register at our Site or request information or a service. Usually, we and our third party service partners use your information to operate the Site and to deliver value-added services to you. Our Site also uses your information to inform you about other products or services available from us.

We may obtain Personal Information:

  • When you provide it directly to us through both online and offline interactions, such as via Site submissions or when you email us;
  • Automatically when you visit this Site or use the Services (such as from cookies, as further described below);
  • From third parties (such as when you make payments to us using our payment processor);
  • From our affiliates and partners. 

If you submit any Personal Information relating to other people to us, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy.

  • We collect certain information from you directly, such as information you enter yourself. 
Contact Information

When using our Site or Services, you may provide contact information, such as your name, address, telephone number, email address, company name, and job title.

Account Data

In order to use certain features of the Site (e.g., Underwriting Assistant and other Services), you need to create a user account (“Account”). When you create or update your account, we collect and store the data you provide, such as your username, email address, password, password recovery information, date of birth, and account settings (“Account Data”).

Shared Content

Parts of the Services let you submit free form content, attachments, and other data for processing through the Services, as well as questions and feedback on the Site or otherwise in connection with the Services. Such shared content is submitted at your discretion, and you represent and warrant that you are permitted to submit all such shared content for processing.

Activity Data

When you use the Services, we collect certain data to track your progress including, without limitation, your active processing tasks, workflow progress, active workflows, as well as deadlines and reminders.

Promotions and Surveys

We may invite you to complete a survey or participate in a promotion (e.g., contest, pricing discounts), either through the Services or a third-party platform. If you participate, we will collect and store the data you provide as part of participating, such as your name, email address, postal address, date of birth, or phone number. That data is subject to this Privacy Policy unless otherwise stated in the official rules of the promotion or in another privacy policy. 

Communications and Support

If you contact us for support or to report a problem or concern (regardless of whether you have created an Account), we collect and store your contact information, messages, and other data in connection with such communication. 

  • We also collect certain information by automatic means, such as data about your device and browser characteristics.
System Data

Technical data about your computer or device, such as your IP address, device type, unique device identifiers, browser, domain and other systems data, and platform types (“System Data”).

Usage Data

Usage data about your interactions with the Site, including workflows accessed, time spent on the Site, pages visited, features used, your search queries, click data, date and time, performance data, usage rate of various features, and other data regarding your use of the Site and Services (“Usage Data”).

Location Data

Approximate geolocation data (such as country) based on your IP address. 

Information we collect when you browse our Site.


We do not access information about your identity while you browse our Site. Although we collect information about the date, time, and area of our Site that you visited, you remain anonymous to us. Only if you decide to pay for and use our Services and register for an account do we collect any personally identifying information about you. 

Use of Tracking; Use of IP Addresses.


An IP address is a unique number that is automatically assigned to your computer whenever you are surfing the Internet so that your computer can be identified by the main computers, known as “Web servers,” that “serve up” or display webpages. This allows us to identify and gather general information and data about you, such as the webpages you view.

Rapidio collects IP addresses for the purposes of system administration and security, to report on aggregated information, and to audit the use of our site. Aggregated information is intended for Rapidio internal use only and is part of our performance tracking and diagnostic processes. When users request pages from Rapidio, our servers log the users’ IP addresses. We do not normally link IP addresses to anything personally identifiable, which means that a user’s session will be logged, but the user will remain anonymous to us unless they register for an account with us to access our Services. We can, and will, use IP addresses to identify you when we feel it is necessary to enforce compliance with our Site Terms of Use or to protect our Services, Site, users, or others.

Cookies


Rapidio uses a variety of third-party services to help provide the most streamlined and user-friendly Site possible. We also use third parties such as Google Analytics to help us understand how our visitors use our Site. These third-parties may collect certain information from your browser (i.e. using cookies and/or your IP address) and may tailor your ads so that you see Rapidio advertisements on other Sites. To learn more, or to opt-out of receiving online display advertisements tailored to your interests by our third-party partners, visit the Network Advertising Initiative Site. If you prefer, you can adjust your privacy settings in your browser so that your information is not tracked.

This Site may use cookies, tracking pixels and other technologies (collectively, “Cookies”) to provide users an efficient experience in using the Site. We may also use these Cookies to better understand, customize and improve the user experience of our Site and Services. A cookie is a small data file that is placed on your computer or mobile device by your web browser, which stores information about website visits, recognizes you and your preferences each time you visit our Site, and ensures website functionality and enables us to provide the service which our customers request.

We use the following specific Cookies on our Site:

Strictly Necessary Cookies

These cookies are essential in order to enable you to move around the Site and use its features. Without these cookies, services you have asked for such as remembering your login details or submitted information cannot be provided.

Functionality Cookies

These cookies remember choices you make such as the country you visit our Site from, language and search parameters. This data can then be used to provide you with an experience more appropriate to your selections and to make the visits more tailored and pleasant. The information these cookies collect may be anonymized and they cannot track your browsing activity on other sites.

Performance Cookies

These cookies collect anonymous information on how people use our Site. For example, we use Google Analytics cookies to help us understand how customers arrive at our Site, browse or use our Site and highlight areas where we can improve such as navigation. The data stored by these cookies never shows personal details from which your individual identity can be established.

Your web browser can be set to allow you to control whether you will accept cookies, reject cookies, or to notify you each time a cookie is sent to you. Please note that if your browser is set to reject cookies, the Site may not recognize you when you return to the Site and some Site functionality may be lost, including access to all or parts of the Services. The Help section of your browser may tell you how to prevent your browser from accepting cookies. To find out more about cookies and your choices with respect to collection and use of such data, you may visit www.allaboutcookies.org. 

Web beacons

Our third-party service provider employs a software technology called clear gifs (a.k.a. Web beacons/Web bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We may tie the information gathered by clear gifs to our customers’ personally identifiable information.

We may use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.

How We Use the Personal Information and the Legal Grounds for Such Use


We may process the Personal Information that we collect in furtherance of our legitimate interests in providing you with the Services, to fulfill the terms of a contract you have with us, with your consent, or to comply with our legal obligations. In some cases, failure to provide such Personal Information will mean that we cannot provide you with the Services. 

Specifically, we process the Personal Information we collect for one or more of the following business and legal purposes:

  • operate our business (including to provide, personalize, and improve or otherwise develop this Site and our products and services);
  • provide and administer the Services;
  • process your requests and orders for Services, products, information, or features;
  • respond to an inquiry and any related activity that may result from your inquiry;
  • market and administer surveys, promotions and programs administered or sponsored by Rapidio or our partners;
  • ensure the security and integrity of this Site and its content, and the Services;
  • manage our vendor and integration partner relationships;
  • enforce our Terms of Use and other legal terms and policies;
  • protect our and others’ interests, rights, and property (such as to protect our copyrighted materials); and
  • ensure compliance with local legal and regulatory requirements.
How We Share the Personal Information 


We may share your Personal Information as described in this Privacy Policy or when you otherwise consent (to the extent required by law). 

We share Personal Information with third parties in the following ways:

  • To authorized third-party service providers or others who may perform services on your or our behalf, such as features of the Services, payment processing, data analysis, and customer service and support. These service providers may access your Personal Information and are required to use it solely as directed, to provide the requested services. 
  • If we believe disclosure is appropriate to prevent physical, financial, or other harm, injury, or loss.
  • To legal, governmental, or judicial authorities, if we believe is appropriate, as instructed or required by those authorities or applicable laws, or in relation to a legal activity, such as in response to a subpoena or investigating suspected illicit activity.
  • We may disclose or use aggregated or de-identified data for any purpose.
  • As necessary to pursue a legitimate business or legal need to share your information, such as meeting our contractual obligations or as part of our business relationship (and in accordance with applicable law).
  • With your consent, or when we have a legitimate business or legal need to share your information, we may share data to third parties outside the scope of this Privacy Policy.

A list of the third party service providers with whom we share your Personal Information is set forth below.  This list may be updated at any time. Please check this Privacy Policy for the most current information.

Encompass Digital Mortgage Solution

Hubspot Inc.

Compliance with state and federal laws


As privacy rights vary by state, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. In addition, state and federal regulations may require us to maintain and report demographic information on the collective activities of consumers and users. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding record retention.

Retention

Except to the extent prohibited by law, and subject to this Privacy Policy, we will retain and use your Personal Information for as long as it is needed to provide you with any Services, communications, or access to this Site, to document our business relationship with you, and as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Data Transfer

The Site is controlled and operated from the United States and is not intended to subject us to the laws or jurisdiction of any state, country, or territory other than that of the United States. Our services are expressly limited to those jurisdictions in which we provide automated underwriting Services.  If you are accessing this Site from other jurisdictions, please be advised that you are transferring your Personal Information to us in the United States where data protection and privacy laws may be less stringent than the laws of your jurisdiction. BY USING THIS SITE, YOU CONSENT TO THE TRANSFER AND USE OF YOUR PERSONAL INFORMATION IN ACCORDANCE WITH THIS PRIVACY POLICY.

How we protect your personal information and your privacy


We seek to use reasonable and appropriate physical, technical and administrative measures to protect the Personal Information that we collect and store. Unfortunately, no data transmission or storage system can be guaranteed 100% secure; therefore, we do not guarantee that your Personal Information will be secure from theft, loss, or unauthorized access or use, and we make no representation as to the reasonableness, efficacy, or appropriateness of the measures we use to safeguard such Personal Information. If you have reason to believe that your interaction with us is no longer secure, please notify us immediately.

What you can do to protect yourself


While we take the security of your Personal Information seriously and have taken steps to protect it, there are also a number of precautions that you can take to protect yourself:

  • If using your personal computer, ensure that your operating system and antivirus software are up to date with the latest versions.
  • Create strong, unique passwords for each online service that you use and change these passwords often.
  • When you finish using our Site from a public computer, log out and clear the browser’s cache file.
  • Your password is an important part of our security system, and it is your responsibility to protect it. You should not share your password with any third party, and if you believe your password or account has been compromised, you should change it immediately. 

Stay vigilant for scams like “phishing”. Never provide your login information in response to any email, physical mail or phone call that claims to be from Rapidio. Instead, go directly to our Site, ensuring that the URL begins with https://rapidio.com.

Links to other sites


Our site includes links to other Sites whose privacy practices may differ from those of Rapidio. We have no control over and are not responsible for the privacy policies or practices of such sites. Whenever you link to another website, you may be asked to provide registration or other information.  If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Site you visit.

Third parties may collect Personal Information about your online activities over time and across different websites, including your use of this Site. This Privacy Policy does not apply to, and we are not responsible for, the practices of third parties that collect your Personal Information.

Change of control


Your Personal Information may be transferred in connection with a sale, merger, transfer, exchange, or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of Rapidio.

Agreement and contact


By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing that you have read, accepted, and agreed to the Terms of Use and this Privacy Policy and agree to do business electronically with Rapidio.

Your California Privacy Rights


California Civil Code § 1798.83 permits visitors to our Site who are California residents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. We do not share Personal Information with other people or non-affiliated businesses for their direct marketing purposes. We are only required to respond to a customer request once during any calendar year and we will verify your identity by a method appropriate to the type of request you are making.. Please be aware that not all information sharing is covered by the California privacy rights requirements and only information sharing that is covered will be included in our response.  To make such a request, please write us:

Rapidio
Attn: Compliance Officer
80 SW 8th St, Suite #2000
Miami, FL 33130

DISCLOSURE FOR CALIFORNIA USERS: RAPIDIO AND OTHER PARTIES NOT AFFILIATED WITH US MAY COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE ACTIVITIES OVER TIME AND ACROSS DIFFERENT SITES WHEN YOU USE OUR SITE OR THE SERVICES OFFERED ON OUR SITE. WE DO NOT HAVE ANY PROTOCOL THAT OFFERS YOU THE CHOICE TO OPT-OUT OF INTERNET TRACKING. AT PRESENT TIME, THE RAPIDIO SITE DOES NOT RESPOND TO “DO NOT TRACK” SIGNALS FROM YOUR INTERNET BROWSER. IF YOU HAVE ANY QUESTIONS REGARDING OUR INTERNET TRACKING METHODS, PLEASE EMAIL US AT contact@rapidio.com.

Your Rights

Depending on your jurisdiction, you may have certain rights regarding our collection, use, and sharing of your Personal Information. If you have any questions regarding these rights, please contact us at: legal@rapidio.com. Please note that we may request additional information to respond to or fulfill any requests regarding your rights under applicable laws or regulations.  

You can always opt out of any subscription for emails, involving any updates, information, postings, and/or news, by clicking “Unsubscribe” at the bottom of the email. We might still send you certain important emails, like responding to you by email if you send us a request or comment.

Children’s Privacy


The Site is not intended for children, and our Service is only intended for adults.  No one under the age of 18 may provide any Personal Information to the Site and we do not intend to collect Personal Information from children.  Parents or adults can use various readily available software programs or other methods to prevent children or minors from accessing the Site. If you believe we might have any information from or about an individual who is under the age limit or for an unintended applicant on our Site, such as a child, please contact us.

Applicable law


This Privacy Policy should be read in conjunction with our Terms of Use and as such shall be governed by and construed in accordance with the laws of the State of Florida.

Exceptions to this Privacy Policy


This Privacy Policy applies to the public sections of the Site. If you are permitted access to private areas, different or additional terms may apply.

Notification of privacy statement changes


We reserve the right to modify this privacy policy to reflect changes to our information practices at any time with notice on this site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of Rapidio’ Site following the posting of changes to these terms will mean you accept those changes.

Who can I contact for privacy related issues?


You can contact us by mail at:
Rapidio
Attn: Compliance Officer
80 SW 8th St, Suite #2000
Miami, FL 33130