Terms of Service

Effective Date: [Insert Date]

Welcome to riponkumar.com (“we,” “our,” “us”). By accessing or using our website riponkumar.com, you agree to comply with and be bound by these Terms of Service (“Terms”). Please read them carefully. If you do not agree, you must discontinue use of the website immediately.

1. Eligibility

You must be at least 13 years old to use this website. If you are located in a jurisdiction that requires a higher minimum age, you must meet that requirement.

2. Use of Website

You may use this website only for lawful purposes.
You agree not to:

Engage in unauthorized access, scraping, or data mining.
Upload viruses, malware, or malicious code.
Use the website in a way that violates applicable laws or regulations.

3. Intellectual Property

All content on this website (text, graphics, logos, media, and software) is the property of riponkumar.com or its licensors.
You may not copy, reproduce, distribute, or modify content without written permission.

4. User Content

If you submit content (comments, forms, etc.), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display it in connection with the website.
You are solely responsible for your submissions and must not upload unlawful or infringing material.

5. Third-Party Services

We may link to third-party websites or services.
We are not responsible for their content, policies, or practices.

6. Privacy & Data Protection

Your use of the website is also governed by our Privacy Policy. By using this site, you consent to the collection and use of information as described there.

7. Disclaimer of Warranties

This website is provided “as is” and “as available” without warranties of any kind.
We do not guarantee uninterrupted access, error-free operation, or that defects will be corrected.

8. Limitation of Liability

To the fullest extent permitted by law:

We are not liable for indirect, incidental, or consequential damages.
Our total liability for any claim arising out of or relating to the website shall not exceed $100 USD.

9. Indemnification

You agree to indemnify and hold harmless ripon.com from any claims, liabilities, damages, or expenses arising from your use of the website or violation of these Terms.

10. California Consumer Protection Rights (CCPA/CPRA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

Right to Know: You can request details about the personal data we collect, use, and share.
Right to Delete: You can request that we delete personal data, subject to certain exceptions.
Right to Opt-Out: You can opt-out of the sale or sharing of personal information.
Right to Correct: You can request correction of inaccurate personal information.
Right to Non-Discrimination: You will not be discriminated against for exercising your privacy rights.

To exercise these rights, please contact us at:
📧 ripon@rayadvertising.com
📧 ripon@policybear.com

We will verify your identity before processing any request in accordance with California law.

11. Governing Law

These Terms are governed by the laws of the State of California, United States, without regard to conflict-of-law principles.
Any disputes must be brought in the courts located in California, United States.

12. Changes to Terms

We reserve the right to update these Terms at any time. Updates will be effective upon posting with a revised “Effective Date.” Continued use of the website indicates your acceptance of the updated Terms.