Rayanusa takes your privacy seriously. Please read the following to learn more about our privacy policy.

What This Privacy Policy Covers

• This policy covers how Rayanusa treats personal information that Rayanusa collects and receives, including information related to your past use of Rayanusa products and services. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.
• This policy does not apply to the practices of companies that Rayanusa does not own or control, or to people that Rayanusa does not employ or manage.

Information Collection and Use

     General

• Rayanusa collects personal information when you register with Rayanusa, when you use Rayanusa products or services, when you visit Rayanusa pages or the pages of certain Rayanusa partners, and when you enter promotions or sweepstakes. Rayanusa may combine information about you that we have with information we obtain from business partners or other companies.
• When you register we ask for information such as your name, email address, birth date, gender, zip code, occupation, industry, and personal interests. For some financial products and services we may also ask for your address, Social Security number, and information about your assets. Once you register with Rayanusa and sign in to our services, you are not anonymous to us.
• Rayanusa collects information about your transactions with us and with some of our business partners, including information about your use of financial products and services that we offer.
• Rayanusa automatically receives and records information on our server logs from your browser, including your IP address, Rayanusa cookie information, and the page you request.
• Rayanusa uses information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.

 Information Sharing and Disclosure

• Rayanusa does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances:
  • We provide the information to trusted partners who work on behalf of or with Rayanusa under confidentiality agreements. These companies may use your personal information to help Rayanusa communicate with you about offers from Rayanusa and our marketing partners. However, these companies do not have any independent right to share this information.
  • We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims;
  • We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Rayanusa 's terms of use, or as otherwise required by law.
  • We transfer information about you if Rayanusa is acquired by or merged with another company. In this event, Rayanusa will notify you before information about you is transferred and becomes subject to a different privacy policy.
• Rayanusa displays targeted advertisements based on personal information. Advertisers (including ad serving companies) may assume that people who interact with, view, or click on targeted ads meet the targeting criteria - for example, women ages 18-24 from a particular geographic area.
  • Rayanusa does not provide any personal information to the advertiser when you interact with or view a targeted ad. However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the assumption that you meet the targeting criteria used to display the ad.
  • Rayanusa advertisers include financial service providers (such as banks, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies).

Cookies

• Rayanusa may set and access Rayanusa cookies on your computer.
• Rayanusa lets other companies that show advertisements on some of our pages set and access their cookies on your computer. Other companies' use of their cookies is subject to their own privacy policies, not this one. Advertisers or other companies do not have access to Rayanusa 's cookies.
• Rayanusa uses web beacons to access Rayanusa cookies inside and outside our network of web sites and in connection with Rayanusa products and services.

Your Ability to Edit and Delete Your Account Information and Preferences

     General

• You can edit your Rayanusa Account Information, including your marketing preferences, at any time.
• New categories of marketing communications may be added to the Marketing Preferences page from time to time. Users who visit this page can opt out of receiving future marketing communications from these new categories or they can unsubscribe by following instructions contained in the messages they receive.
• We reserve the right to send you certain communications relating to the Rayanusa service, such as service announcements, administrative messages and the Rayanusa Newsletter, that are considered part of your Rayanusa account, without offering you the opportunity to opt-out of receiving them.
• Your account will be inactivated if your lead is expired but your Rayanusa account info will remain in our archive. Please visit your Account Info  link to read about information that might possibly remain in our archived records, after your account has been inactivated.

 Confidentiality and Security

• We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.
• We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.
• Your Rayanusa Account Information is password-protected.
• In certain areas Rayanusa uses industry-standard SSL-encryption to protect data transmissions.

Changes to this Privacy Policy

• Rayanusa may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your Rayanusa account or by placing a prominent notice on our site.

Questions and Suggestions

• If you have questions or suggestions, please  contact us by email click here: Rayanusa.com.