Privacy Policy

1. Introduction

RMOA Business Institute ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://rmoabusinessinstitute.org or interact with our programs and services. Please read this policy carefully. If you disagree with its terms, please discontinue use of our site.

2. Information We Collect

We may collect the following categories of personal information:

• Identity & Contact Data: Name, email address, phone number, mailing address.
• Application Data: Military branch, rank at discharge, business interests, educational background, and other information submitted through our application form.
• Payment Data: Payment card details processed securely through Stripe. We do not store full card numbers on our servers.
• Communications Data: Messages you send via our contact form or email.
• Event Registration Data: Name, email, and phone number provided when registering for events.
• Newsletter Data: Name and email address when you subscribe to our mailing list.
• Usage Data: IP address, browser type, pages visited, time spent on pages, and other diagnostic data collected automatically via cookies and analytics tools.

3. How We Use Your Information

We use the information we collect to:

• Process program applications and enrollment.
• Process payments and send transaction confirmations.
• Respond to inquiries and provide customer support.
• Send event confirmations, reminders, and updates.
• Send newsletters and program announcements (with your consent).
• Improve our website, programs, and services.
• Comply with legal obligations and protect our legal rights.
• Prevent fraud and ensure the security of our platform.

4. Sharing Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information with:

• Service Providers: Third-party vendors who assist us in operating our website and delivering services (e.g., Stripe for payment processing, email delivery providers). These parties are contractually obligated to keep your information confidential.
• Legal Requirements: When required by law, court order, or governmental authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our site. Cookies are small data files stored on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of our site may not function properly without cookies. We use session cookies for authentication and analytics cookies to understand how visitors use our site.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Application and enrollment records are retained for a minimum of seven (7) years in accordance with standard non-profit record-keeping practices.

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. All payment transactions are encrypted via SSL/TLS and processed through Stripe's PCI-DSS compliant infrastructure. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

8. Your Rights & Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your personal information, subject to certain legal exceptions.
• Opt-Out: Unsubscribe from marketing emails at any time by clicking the "unsubscribe" link in any email or contacting us directly.

To exercise any of these rights, please contact us at [email protected].

9. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete such information.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page with an updated effective date. Your continued use of our website after any changes constitutes your acceptance of the revised policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: