Privacy Policy – Rubus Pay

This Privacy Policy explains how we collect, use, store, and share your information when you visit our websites, purchase our digital products, contact support, or otherwise interact with us.

By using our websites or purchasing our products, you agree to the practices described in this Privacy Policy.

1. Company Information

• Company Name: NGV Digital
• Support Email: [email protected]

NGV Digital sells digital products directly to end customers (B2C), including online programs, digital training, and educational content.

2. Scope of This Privacy Policy

This Privacy Policy applies to personal data collected through:

• our websites and sales pages;
• checkout pages;
• customer support communications;
• email delivery and product access communications;
• other interactions related to our digital products and services.

This Privacy Policy does not apply to third-party websites, platforms, or services that we do not control (for example, payment processors, email providers, or analytics tools), which may have their own privacy policies.

3. Personal Data We Collect

We may collect the following categories of personal data, depending on how you interact with us:

3.1 Information You Provide Directly

• Full name
• Email address
• Billing address (if required)
• Country/region
• Payment-related information (processed by third-party providers)
• Product/order information
• Customer support messages and attachments
• Refund request information and documentation (if applicable)

3.2 Information Collected Automatically

When you visit our websites or pages, we may collect:

• IP address
• Device type
• Browser type
• Operating system
• Referral source
• Pages viewed and time spent
• Click behavior
• Approximate location (based on IP)
• Cookies and similar tracking technologies (see Section 10)

3.3 Information From Third Parties

We may receive limited information from service providers such as:

• payment processors (payment status, transaction ID, fraud checks)
• email delivery platforms (delivery status, opens/clicks when enabled)
• analytics providers
• advertising platforms (campaign attribution and performance data)

We do not receive or store full payment card numbers, CVV, or full card credentials.

4. How We Use Your Personal Data

We use your personal data for the following purposes:

4.1 To Process and Deliver Purchases

• process your order and confirm payment;
• deliver your digital product by email;
• provide access links, credentials, or download instructions.

4.2 To Provide Customer Support

• respond to questions, access issues, refund requests, and technical problems;
• verify purchase and product delivery.

4.3 To Operate and Improve Our Business

• maintain and improve website performance;
• analyze user behavior and product performance;
• prevent fraud and abuse;
• maintain internal records and compliance documentation.

4.4 To Communicate With You

• send order confirmations and delivery emails;
• send service-related communications (support, access, updates);
• send marketing emails (where permitted by law or with your consent, as applicable).

4.5 To Comply With Legal and Contractual Obligations

• comply with tax, accounting, consumer protection, and legal requirements;
• respond to lawful requests from authorities;
• enforce our Terms and Conditions and protect our rights.

5. Legal Bases for Processing (EU/EEA/UK)

If you are located in the EU/EEA/UK, we process your personal data only when we have a valid legal basis, including:

• Contractual necessity: to process your purchase and deliver the product;
• Legitimate interests: to operate, secure, and improve our services, prevent fraud, and support customers;
• Consent: for certain cookies, tracking, and marketing communications where required;
• Legal obligation: to comply with laws and regulatory requirements.

The GDPR principles of lawfulness, fairness, transparency, data minimization, and purpose limitation guide how personal data should be processed.

6. How We Share Your Personal Data

We may share personal data with trusted third parties only as needed to operate our business, including:

• Payment processors (to process payments and detect fraud)
• Email service providers (to send product delivery and support emails)
• Hosting and infrastructure providers
• Analytics and tracking providers
• Customer support tools
• Professional advisors (legal, accounting, compliance), when necessary
• Authorities or regulators, if legally required

We do not sell personal data for money.

If we ever engage in data sharing for targeted advertising in a way that triggers specific legal rights (such as under California law), we will provide the applicable notices and choices required by law. California privacy laws grant rights related to knowing, deleting, correcting, and opting out of certain data uses/sharing.

7. International Data Transfers

Because we serve customers in multiple countries (including the U.S. and Europe), your personal data may be processed or stored in countries other than your own.

Where required by law, we take appropriate steps to safeguard cross-border data transfers, including contractual and organizational measures designed to protect personal data.

8. Data Retention

We retain personal data only for as long as reasonably necessary for the purposes described in this Privacy Policy, including to:

• provide purchased products and support;
• maintain business and tax records;
• resolve disputes and enforce agreements;
• comply with legal obligations.

Retention periods may vary depending on:

• the type of data;
• the purpose of processing;
• legal and regulatory requirements;
• fraud prevention and dispute handling needs.

When data is no longer needed, we will delete it or anonymize it where reasonably possible.

9. Your Privacy Rights

Your rights may vary depending on your country or state of residence.

9.1 EU/EEA/UK Rights (GDPR-related)

If applicable, you may have the right to:

• access your personal data;
• correct inaccurate data;
• request deletion of your data;
• restrict or object to certain processing;
• request data portability;
• withdraw consent (where processing is based on consent);
• lodge a complaint with a data protection authority.

EU law provides core data protection principles and rights for individuals regarding processing of personal data.

9.2 California Privacy Rights (CCPA/CPRA)

If you are a California resident and applicable law covers our processing activities, you may have rights to:

• know what personal information we collect and how we use it;
• request deletion of personal information;
• request correction of inaccurate personal information;
• opt out of certain sharing for cross-context behavioral advertising;
• limit certain uses of sensitive personal information (where applicable);
• non-discrimination for exercising privacy rights.

California's official privacy resources describe these rights and how businesses should handle them.

9.3 How to Exercise Your Rights

To submit a privacy request, contact us at: [email protected]

Please include enough information for us to verify your identity and process your request.

10. Cookies and Tracking Technologies

We may use cookies and similar technologies to:

• keep pages functioning properly;
• analyze traffic and performance;
• improve user experience;
• measure marketing performance and attribution.

Depending on your location, we may request your consent for non-essential cookies.

You can also control cookies through your browser settings. Please note that disabling some cookies may affect website functionality.

11. Data Security

We use reasonable technical and organizational measures designed to protect personal data against unauthorized access, loss, misuse, or alteration.

However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

We also rely on reputable third-party providers (such as payment and infrastructure partners) to help maintain secure systems and transactions.

12. Children's Privacy

Our products and services are not intended for children under the age of 18.

We do not knowingly collect personal data from children. If you believe a child has provided personal data to us, please contact us at [email protected], and we will take appropriate steps to delete it.

13. Third-Party Services and Links

Our websites, emails, or products may include links to third-party websites or services.

We are not responsible for the privacy practices of third parties. We encourage you to review their privacy policies before providing any personal data.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When we make material changes, we will update the “Last Updated” date and, where required by law, provide additional notice.

The version posted on our website at the time of your interaction or purchase will apply unless a change is required by law.

15. Contact Us

If you have questions about this Privacy Policy, your personal data, or your privacy rights, contact us at:

• NGV Digital
• Email: [email protected]