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Privacy Policy & User Agreement
Privacy Policy
The Ripple Club’s privacy policy (“Privacy Policy”) applies to all users using the The Ripple Club Platform located anywhere in the world (“Users”). The Privacy Policy also applies to those persons whose Personal Information The Ripple Club receives from Users as part of a referral plan. The Privacy Policy sets out how The Ripple Club collects, uses, stores and discloses your Personal Information.
By providing Personal Information to The Ripple Club, you consent to The Ripple Club collecting, using, and disclosing the Personal Information in accordance with this Privacy Policy and any other arrangements that apply between you and The Ripple Club.
The Ripple Club may amend or modify the Privacy Policy at The Ripple Club’s sole discretion and at any time. Any amendments to the Privacy Policy are effective fifteen (15) days after publication on the The Ripple Club Platform. If you disagree with the revised Privacy Policy, you may terminate the Agreement with immediate effect subject to any termination obligations that you may have. Your continued use of the The Ripple Club Platform following any change to the Privacy Policy indicates your continued acceptance of the Privacy Policy as modified.
Last Updated: 07/01/2026
NOTE: Unless specifically defined in this Privacy Policy, all capitalized terms used herein shall have the same meaning as defined in the Terms.
1. How and what Information does The Ripple Club collect?
1.1 The Ripple Club may collect information about you when you use the The Ripple Club Platform, register on the The Ripple Club Platform, or interact with The Ripple Club in any way. You may also provide The Ripple Club information about your acquaintances or friends, as part of a referral program.
1.2 Information you provide to The Ripple Club
The Ripple Club collects all information which you voluntarily provide to The Ripple Club by using the The Ripple Club Platform or interacting with The Ripple Club. This includes without limitation information provided:
(a) during registration of a The Ripple Club Account or while updating your The Ripple Club Account;
(b) while availing The Ripple Club Services or support services or by participating in a survey;
(c) while communicating and corresponding with The Ripple Club or while communicating with another User through the The Ripple Club Platform using phone calls, video chat, audio chats, text messages and in app messages, either through The Ripple Club Platform and/or third-party communication services;
(d) by linking and accessing your The Ripple Club Account through your SNS Account;
(e) during any video interview that The Ripple Club may conduct or while The Ripple Club or its representatives video record or photograph you;
(f) about the bank account, debit or credit card, PayPal account, or any other payment details provided on the The Ripple Club Platform;
(g) while participating in a promotional activity; and
(h) as part of a referral program.
1.3 Types of information The Ripple Club Collects
The information The Ripple Club collects includes without limitation:
(a) Personal Information:
While using the The Ripple Club Platform, The Ripple Club may require you to provide or collect Personal Information. Examples of Personal Information include:
(i) your name, home or business address, email address, postal code, driving license photos, profile pictures, phone number and video recordings of you;
(ii) your date of birth, age, gender, Social Security Number or passport details collected to validate your identity or to complete tax fillings;
(iii) payment information such as your credit card, debit card or PayPal information or other financial account information; and
(iv) any other information that enables you to be personally identified.
(b) Non-personally identifiable Information: The Ripple Club may also collect Non-Personally Identifiable Information about you such as your date of birth, professional qualifications, licenses and any registrations held by you. The Ripple Club may aggregate the Non-Personally Identifiable Information of a User with other Users to improve the services offered through the The Ripple Club Platform; and
(c) Third Party Personal Information: As part of a referral program, The Ripple Club may collect limited Personal Information (such as first name, last name and contact information) from you about your friends and contacts.
1.4 Information The Ripple Club collects automatically
(a) The Ripple Club and The Ripple Club’s third party service providers such as third party content providers and analytics, may automatically collect certain information that is sent to The Ripple Club from the computer, mobile device and/or browser through which you access the Website and the Applications (“Automatic Data“). Automatic Data, includes without limitation, a unique identifier associated with your access device and/or browser (including, for example, your Internet Protocol (IP) address characteristics about your access device and/or browser, the URL or advertisement that referred you to the The Ripple Club Platform, the terms you searched on a search engine that brought you to the The Ripple Club Platform, time and date of your visit, statistics on your activities on the The Ripple Club Platform such as the links that you clicked on, the pages or content that you visited and the duration of your visit, content load times, any download errors and such other information about your interaction with The Ripple Club. The Ripple Club collects
Automatic Data based on your consent which was granted to The Ripple Club by you when you registered as a User and accepted this Privacy Policy. The Ripple Club may combine this Automatic Data with other information that The Ripple Club collects about you. Body by Bee does this to improve The Ripple Club Services.
(b) The Ripple Club, its Affiliates, marketing partners, analytics and service providers use software like cookies, web beacons, embedded scripts and other tracking technologies on the Website and Applications to authenticate you, to recognise you across different websites, services, devices and/or browsing sessions, rememberyour preferences and settings, deliver and measure effectiveness of advertising campaigns, improve your browsing experience, and generally understand the online behaviours and interests of people who interact with The Ripple Club. The Ripple Club may also use cookies to enable The Ripple Club to collect data of Users for marketing purposes.
(c) The Ripple Club, its Affiliates, marketing partners, analytics, and service providers may also use device identifiers, tags and other similar technologies to identify you and to collect information for security and fraud detection purposes.
(d) You can disable cookies through your internet browser but the Website and the Applications may not work as intended for you if you do so.
1.5 Information The Ripple Club obtains from others
The Ripple Club may also collect or receive Personal Information about you from third-party sources, such as other Users, suppliers, background check service providers, social media or other third-party integrations, and The Ripple Club may combine any of this information with data The Ripple Club already has about you.
This helps The Ripple Club to update, expand and analyse The Ripple Club’s records, identify new customers, and create more tailored advertising that may be of interest to you. The Ripple Club will ensure that any marketing campaigns are aligned to federal, state and city laws, and GDPR requirements, as applicable.
1.6 You are not legally obligated to provide The Ripple Club with any information, but you may be contractually obligated to do so. If The Ripple Club does not receive certain information from you, then you may not be able to receive The Ripple Club Services. Should you require any clarifications around whether provision of certaininformation is mandatory and the consequences for with holding such information, please contact The Ripple Club Customer Care.
1.7 Please note that The Ripple Club does not respond to do-not-track signal. Thus, while your browser setting may allow you to transmit a do-not-track signal to the Website and the Applications, however, The Ripple Club does not alter its practices even after receiving a do-not-track signal.
2. How does The Ripple Club use and disclose Personal Information?
2.1 The Ripple Club may hold, use and disclose your information for the following
purposes:
(a) to process your requests to register on the The Ripple Club Platform;
(b) to verify your identity;
(c) to enable features that allow you to share information with other people, such as when you refer The Ripple Club Services, or submit a comment about another User;
(d) for providing The Ripple Club Services, to enable you to access and use Website and the Applications and to interact with other Users;
(e) to complete your transactions, provide any information requested by you, to verify the information provided by you, for compliance and internal business purposes;
(f) to operate, protect, improve and optimize The Ripple Club Platform, business and Users’ experience or to perform analytics or conduct research, troubleshoot software bugs and operational problems, to conduct data analysis, testing, and research, and to monitor and analyse usage and activity trends;
(g) to send you service, support and administrative messages, newsletters, reminders, technical notices, updates and security alerts;
(h) for direct marketing purposes. This includes analyzing data to identify trends and tailor marketing messages to User needs. Please note that The Ripple Club does not sell or share your Personal Information with third parties for third party direct marketing purposes;
(i) to tailor content The Ripple Club displays to you and offers that The Ripple Club may present to you, on the Website, the Applications and elsewhere;
(j) to manage The Ripple Club’s business relationship with you and the corporation or other legal entity that you represent (if applicable);
(k) to address information security needs and for protecting Users, The Ripple Club and others;
(l) to enforce and comply with The Ripple Club’s legal obligations, to conduct or assist in conduct of an investigation, to protect the property and rights of The Ripple Club or a third party, to protect the safety of public or any person, or to prevent or stop an activity The Ripple Club considers to be fraudulent, illegal, legally actionable or unethical;
(m) administer rewards, surveys, contests, or other promotional activities or events sponsored or managed by The Ripple Club or The Ripple Club’s business partners;
(n) to resolve any Disputes that The Ripple Club may have with any User; and
(o) for such other purposes as may be disclosed at the time you provide your information, with your consent, and as described in this Privacy Policy.
3. How does The Ripple Club use your Personal Information for marketing?
3.1 Communications data
(a) The Ripple Club enables Users to communicate with each other and with The Ripple Club using phone calls, video chat, audio chats, text messages and in app messages, either through the The Ripple Club Platform and/or third party communication services.
(b) The Ripple Club and any parties involved in providing the communication services collect, monitor, record, store and use the communications content, details of the communication and the related Personal Information, including without limitation, time and duration of communication, its content, and the name and likeness of the Users involved. Such communication and collected Personal Information may be used for providing better customer support, resolution of disputes between Users, escalation of User issues, marketing of the Website and The Ripple Club Services through any mode and medium, improving the The Ripple Club Services, obtaining feedback, analytics, and for other safety and security purposes.
(c) Customer shall, however, have the right to request that The Ripple Club cease to use, in whole or part, the communication, and/or the collected Personal Information for marketing purposes. Upon receipt of such request, The Ripple Club shall cease usage of communication and/or collected information for marketing purposes.
3.2 Video recordings
(a) The Ripple Club may use whole or part of the video recordings of the Users recorded during the conduct of The Ripple Club Services.(b) Customer shall, however, have the right to request that The Ripple Club cease to use, in whole or part, the recordings. Upon receipt of such request, The Ripple Club shall cease use the recordings as above.
3.3 The Ripple Club and/or The Ripple Club’s business partners may send you direct marketing communications and information about The Ripple Club Services and/or any ongoing promotions. This may take the form of emails, SMS, mail, or other forms of communication, in accordance with the applicable federal, state and city laws. You may opt-out of receiving marketing materials from The Ripple Club by contacting The Ripple Club Customer Care.
3.4 Notwithstanding that you may have opted-out of receiving marketing emails, The Ripple Club reserves the right to send you certain communications relating to your The Ripple Club Account or use of the The Ripple Club Services (for example, administrative and service announcements) via email and other means. These transactional account messages may be unaffected if you opt-out from receiving marketing communications. Users accessing the The Ripple Club Platform using the Applications may, with permission, receive push notifications. Similarly, Users who access the The Ripple Club Platform using certain desktop browsers may, with permission, receive push notifications. Notification preferences can be modified in the settings menu for the Applications or the applicable browser.
4. To whom does The Ripple Club disclose your
Personal Information?
4.1 The Ripple Club may disclose your information for the purposes described in this Privacy Policy to:
(a) The Ripple Club’s employees and current or future related bodies corporate for business and operational purposes. These employees and current or future related bodies corporate may have access to your Personal Information in order to perform these tasks on behalf of The Ripple Club;
(b) third-party suppliers and service providers that The Ripple Club engages to facilitate provision of The Ripple Club Services or provide The Ripple Club Services on The Ripple Club’s behalf or provide services related to operation of The Ripple Club Platform and/or The Ripple Club’s business such as web analytics, database management, payment processing, fraud detection etc. These third party suppliers and service providers may have access to your information, including Personal Information in order to perform these tasks on behalf of The Ripple Club;
(c) other Users, when availing The Ripple Club Services. The information The Ripple Club provides to such other User will include without limitation your Personal Information such as your name, email address and phone number etc.;
(d) payment systems operators (i.e. merchants receiving card payments such as PayPal and all major credit cards);
(e) The Ripple Club’s tax compliance service providers;
(f) The Ripple Club’s sponsors or promoters of any competition that The Ripple Club conducts via The Ripple Club Platform, including, except where prohibited by law, allowing the sponsors to use your name, voice, likeness, or other indicia of persona in marketing associated with the promotion. Should you choose to enter a promotion, your Personal Information may be disclosed to third parties or the public in connection with the administration of such promotion, including, without limitation, in connection with winner selection, prize fulfilment, and as required by law or permitted by the promotion’s official rules, such as on a winner’s list;
(g) anyone to whom The Ripple Club’s assets or businesses (or any part of them) are transferred. Such information, including Personal Information, may be shared or transferred in connection with a merger, acquisition, reorganization or sale of all or any part of The Ripple Club’s assets or in the event of bankruptcy;
(h) specific third parties authorized by you to receive information held by The Ripple Club including marketers. Once disclosed, your information, including Personal Information, will be subject to the privacy policy and practices of that third party. The Ripple Club is not accountable for the privacy policies and practices of third parties. Should you at any stage decide that you no longer want to receive communications from a third party, you will need to contact that third party directly. You also mayrequest, sometimes through your use of an SNS or similar interactive feature or third party application, that The Ripple Club share information about you with a third party and The Ripple Club will typically do so under those circumstances; and/or
(i) other persons, including insurance companies, government agencies, regulatory bodies and law enforcement agencies, or as required, authorised or permitted by law. The Ripple Club will disclose such information including Personal Information about you to the government agencies, law enforcement agencies, regulatory bodies or private persons such as an insurance company, as The Ripple Club believes is necessary or appropriate to respond to claims and legal processes, or, at the request of third parties or government authorities conducting an investigation where The Ripple Club determines in The Ripple Club’s sole discretion that disclosure is necessary to:
(i) protect the property and rights of The Ripple Club or a third party;
(ii) the safety of public or any person; or
(iii) to prevent or stop an activity The Ripple Club considers to be fraudulent, illegal, legally actionable or unethical.
5. Security
5.1 The Ripple Club holds User information in either electronic or hard copy form. The Ripple Club takes commercially reasonable physical, administrative, personnel and technical measures to help secure the information that it collects and stores about the Users. Access to the Website and the Applications is encrypted using industry-standard transport layer security technology. Sensitive information (such as financial account details, information about your credit cards and PayPal account) during transmittal is encrypted using secure socket layer technology. The Ripple Club also uses HTTP strict transport security to add an additional layer of protection for Users. Notwithstanding the use of such measures, The Ripple Club cannot guarantee the security of your information.
6. Retention
6.1 The Ripple Club shall retain your information for as long as you are registered on the The Ripple Club Platform as a User. The Ripple Club may retain some or all of your The Ripple Club Account information and/or User Content even after closure of your The Ripple Club Account.
6.2 Even if you request The Ripple Club to delete all of your The Ripple Club Account information and/or User Content, The Ripple Club may, in spite of The Ripple Club’s best efforts, not be able to remove all of your The Ripple Club Account information or sanitise the User Content from the The Ripple Club Platform. Such information may persist on backup or archival media for an additional period for legal, tax, or regulatory reasons or for legitimate and lawful business purposes.
7. Links to other Websites
7.1 The Ripple Club Platform may contain links to third party websites, including online communication services, such as emails, chats, and calls that are not owned by or affiliated with The Ripple Club. If you choose to click on a third party link, you will be directed to that third party’s website. These other websites may place their own cookies or other files on your computer, collect data, or solicit Personal Information from you.
7.2 The fact that The Ripple Club Platform carries a link to a third party website is not an endorsement, certification, or authorization of that third party or of their privacy, information security policies, or practices. The Ripple Club is not responsible for the privacy practices of, or any content on, those linked websites, and has no control over or rights in those linked websites. The privacy policies that apply to those other websites may differ substantially from The Ripple Club’s Privacy Policy, so The Ripple Club encourages you to read them before using those websites.
8. Personal Information provided to Others
8.1 This Privacy Policy does not apply to any Personal Information that you provide to another User or visitor through the The Ripple Club Platform or through any other means, or information posted by you to any public areas of the The Ripple Club Platform.
9. International Transfer of Information
9.1 The Ripple Club is based in Singapore. If you are located outside of Singapore and provide any information (including Personal Information) to The Ripple Club, then such Personal Information may be transferred to Singapore for processing. The Ripple Club may also transfer Personal Information to its service providers, who may process Personal Information in Singapore and elsewhere such as India and/or Philippines. Such countries may not have the same data protection laws as the country in which you initially provided the information. When The Ripple Club or The Ripple Club’s service provider transfers your information to the Singapore or elsewhere for processing, The Ripple Club will protect and require that the service provider also protect such information as described in this Privacy Policy.
10. Accessing or correcting Personal Information
10.1 You may request access to or correction of any Personal Information The Ripple Club has about you or close your The Ripple Club Account and/or request deletion of all Personal Information The Ripple Club has about you. The Ripple Club will honor your requests to the extent The Ripple Club can reasonably do so and as required by law, in accordance with the below paragraphs.
10.2 You can access Personal Information The Ripple Club holds about you by contacting The Ripple Club Customer Care. If you request to access Personal Information you’ve submitted, The Ripple Club will respond to your request to access within 30 days or as otherwise required by law. Sometimes, The Ripple Club may not be able to provide you with access to all of your Personal Information and, where this is the case, The Ripple Club will tell you why. The Ripple Club may also need to verify your identity when you request your Personal Information.
10.3 You are responsible for maintaining the accuracy of the information you submit to The Ripple Club. If you think that any information The Ripple Club holds about you is inaccurate, please contact The Ripple Club Customer Care and The Ripple Club will take reasonable steps to ensure that it is corrected.10.4 You may request deletion of your Personal Information. If your information is deleted, then your The Ripple Club Account may be deactivated. If your The Ripple Club Account is deactivated or you ask to close your The Ripple Club, you will no longer be able to use the The Ripple Club Platform. Please see clause 6 , to know more about The Ripple Club’s information retention policy.
10.5 Your right to access, correct or ask for deletion of Personal Information, is limited e.g. we may not be able to honor your request for deletion of Personal Information that we are required by law to retain or have a legitimate interest in keeping (such as for fraud detection purposes). Bear in mind that neither you nor The Ripple Club can delete all copies of information that have been previously shared with others on the The Ripple Club Platform.
10.6 If you are located in the European Economic Area (EEA), in addition to the rights described above, you may contact The Ripple Club Customer Care to:
(i) request a restriction on the processing of your Personal Information,
(ii) object to the processing of your Personal Information, or
(iii) exercise other rights with respect to your Personal Information. Please note that a restriction on The Ripple Club’s ability to process your Personal Information etc. may limit your ability to use the The Ripple Club Platform.
11 Making a Complaint
11.1 If you think The Ripple Club has breached any relevant privacy law, or you wish to make a complaint about the way The Ripple Club has handled your Personal Information, you can contact The Ripple Club Customer Care. Please include your name, email address and/or telephone number and clearly describe your complaint. The Ripple Club will acknowledge your complaint and respond to you regarding your complaint within a reasonable period. If you think that The Ripple Club has failed to resolve the complaint satisfactorily, The Ripple Club will provide you with information about the further steps you can take.
12 The EU General Data Protection Regulation
12.1 The EU General Data Protection Regulation (GDPR) applies to the Personal Information of the residents of the EEA. To the extent that the GDPR applies to The Ripple Club and your Personal Information, this clause applies.
12.2 Legal grounds for processing your Personal Information
The legal basis on which The Ripple Club processes your Personal Information for the purposes set out in clause 2 above will typically be because:
(a) you provided your consent;
(b) it is necessary for our contractual relationship;
(c) the processing is necessary for The Ripple Club to comply with The Ripple Club’s legal or regulatory obligations; and/or
(d) the processing is in The Ripple Club’s legitimate interest as a platform which allows Customers to receive services (for example, to protect the security and integrity of The Ripple Club systems and to provide you with customer care, etc.).
12.3 Data Controller and Data Processor
You agree that you shall be the Controller of your Personal Information and The Ripple Club will be the Processor of such data and each party shall comply with the applicable laws relating to processing of Personal Information and data privacy to the extent applicable to such party in their respective role.
12.4 Transfer of Personal Information
(a) The Ripple Club’s operations are spread across the globe. As a result, The Ripple Club may need to transfer your Personal Information outside of the country from which it was originally provided. This may be intra-group or to third parties that The Ripple Club works with who may be located in jurisdictions outside the EEA, Switzerland, and the UK which have no data protection laws or laws that are less strict compared with those in Europe.
(b) Whenever The Ripple Club transfers Personal Information outside of the EEA, Switzerland or the UK, The Ripple Club takes legally required steps to make sure that appropriate safeguards are in place to protect your Personal Information.
12.5 Personal Information Retention
The Ripple Club retains your Personal Information for as long as your Agreement with The Ripple Club is in force. The Ripple Club may retain some or all of your The Ripple Club Account information and/or User Content even after closure of your The Ripple Club Account. Such information may persist on backup or archival media for an additional period for legal, tax, or regulatory reasons or for legitimate and lawful business purposes.
12.6 Your Rights
Data protection laws provide you with rights in respect of Personal Information that The Ripple Club holds about you, including the right to request a copy of the Personal Information, request that The Ripple Club rectify, restrict or delete your Personal Information, object to profiling and unsubscribe from marketing communications.To exercise any of your rights, please contact The Ripple Club Customer Care.
Please note that requests to exercise data protection rights will be assessed by The Ripple Club on a case-by-case basis. There may be circumstances where The Ripple Club may not be legally required to comply with your request including because of exemptions provided for in data protection legislation. If you have a complaint about how The Ripple Club handles your Personal Information, please contact The Ripple Club Customer Care. If you are not happy with how The Ripple Club has attempted to resolve your complaint, you may contact the relevant data protection authority.
13 Privacy Rights for California Residents
13.1 If you reside in California, then in addition to the rights described above, you have been provided certain additional rights with respect to your Personal Information under the California Consumer Privacy Act or (CCPA) (California Civil Code Section 1798.100 et seq.).These rights are discussed in clauses 13.3 to 13.7.
13.2 The Ripple Club collects your information for the purposes described in this Privacy Policy, which include “business purposes” under the CCPA.
13.3 Right to Know
You have a right to request and know the following information about you in writing:
(a) Categories of Personal Information that The Ripple Club collects about you;
(b) Purposes for which The Ripple Club collects your Personal Information;
(c) Sources from which The Ripple Club collects your Personal Information;
(d) Categories of Personal Information The Ripple Club has disclosed about you;
and (e) Categories of third parties with whom The Ripple Club shares your Personal
Information.
13.4 Right against Discrimination
You have a right to receive the same services and price as other Users and cannot be discriminated against for exercising any of the rights described in clauses 13.3 to 13.7. The Ripple Club will not discriminate against you in any manner for exercising any of these rights.
13.5 Right to access your Personal Information
You have the right to request access to the categories of Personal Information The Ripple Club has collected about you in the last 12 months. To clarify, in the preceding 12 months, The Ripple Club collected the following categories of Personal Information about you:
(a) Identifiers such as your first and last names, email address, phone number, IP address, unique device identifiers or another online identifier;
(b) Commercial information such as your payment information and related information to enable you to pay for the services you receive;
(c) Internet or your connection related information such as the name of your internet provider, Internet browser type and version and your IP address;
(d) Electronic, audio, visual or similar information such as photos and videos uploaded by you and video recordings of you;
(e) Professional or employment related information (such as those provided by Pros);
and(f) Other information that relates to or is capable of being associated with you.
13.6 Right to ask for deletion of your Personal Information
You have the right to ask The Ripple Club to delete any Personal Information that The Ripple Club has collected about you. This right is subject to certain exceptions and The Ripple Club may retain your Personal Information where The Ripple Club cannot verify your request, or where The Ripple Club needs to retain the Personal Information to comply with its legal obligations, etc.
13.7 Right to opt-out of having your Personal Information sold
You have the right to opt-out of having your Personal Information sold. To clarify, The Ripple Club does not sell your Personal Information.
13.8 How do you exercise your rights?
Users residing in California may exercise these rights by emailing The Ripple Club Customer Care. Please note that The Ripple Club may ask you for proof of account ownership and, or identity before completing your request. The Ripple Club will only use such information to verify your identity, and for fraud prevention or security purposes.
14 Contact The Ripple Club Customer Care
14.1 For further information about The Ripple Club’s Privacy Policy or practices, or to access or correct your Personal Information, or make a complaint, please contact The Ripple Club Customer Care at hello@therippleclub.com.fit
15 Definitions
15.1 The following words and expressions shall, unless the context otherwise requires, have the following meanings:
Automatic Data means certain information that is sent to The Ripple Club from the computer, mobile device and/or browser through which you access the Website and the Applications.
GDPR means EU General Data Protection Regulations.
Non-Personally Identifiable Information means information which does not relate to a person and/or cannot be used to identify a person.
Personal Information means information that identifies you as a specific individual and can be used to identify and contact you as needed. Examples of Personal Information include your name, home or business address, email address and phone
number. Words not defined in this clause 15 but defined elsewhere in the Agreement shall have the meaning as ascribed to them under the relevant clause.
User agreement - Terms of services
Last Update: July 1, 2026
Please read these Terms of Service (the “Agreement”) carefully. Your use of the Service (as defined below) constitutes your consent to this Agreement.
This Agreement is between you and The Ripple Club (“The Ripple Club” or “we” or “us”) concerning your use of (including any access to) the online services that The Ripple Club makes available for use through applications in different platforms such as, but not limited to, web application, mobile application, connected equipment integration and application (collectively, together with any software, web pages, cloud services, content, and other materials and services available therein, and successor service(s) and app(s) thereto, the “Service”). This Agreement hereby incorporates by this reference any additional terms and conditions posted by The Ripple Club through the Service, or otherwise made available to you by The Ripple Club.By using the Service, you affirm that you are of legal age to enter into this Agreement, or, if you are not, that you have obtained parental or guardian consent to enter into this Agreement. Please note that separate requirements may apply to a minor’s use of any of The Ripple Club Service.
If you are an individual accessing or using the Service on behalf of, or for the benefit of, any corporation, partnership or other entity with which you are associated (an “Organization”), then you are agreeing to this Agreement on behalf of yourself and such Organization, and you represent and warrant that you have the legal authority to bind such Organization to this Agreement. References to “you” and “your” in this
Agreement will refer to both the individual using the Service and to any such Organization. Please note that use of the Service by or on behalf of any Organization may also be subject to additional terms made available by The Ripple Club from time to time, which are hereby incorporated by this reference into this Agreement.
By using the Service, you are also agreeing (i) that you have read and understoodour Privacy Policy which sets out how we collect, process and use your information; and (ii) to our Medical Disclaimer. Please read these Terms carefully before you start to use the Service. We recommend that you print a copy of these Terms for future reference. If you do not agree to these Terms, you must not use the Service.
PLEASE NOTE THAT THE AGREEMENT IS SUBJECT TO CHANGE BY The Ripple Club IN ITS SOLE DISCRETION AT ANY TIME. When changes are made, The Ripple Club will make a new copy of the Terms of Service available at the Site and within the Application and any new supplemental terms will be made available from within, or through, the affected The Ripple Club Service. We will also update the effective date at the topof these Terms of Service. If we make any material changes, we will provide notice of such material changes on the Site and if you have a Subscription with us, we will also attempt to notify you by sending an email at the last e-mail address you provided to us in your account registration. Any changes to the Agreement will be effective immediately for new users of the Service and will be effective for existing users upon the earlier of (a) the effective date at the top of these Terms of Service and (b) your consent to and acceptance of the updated Agreement if The Ripple Club provides a mechanism for your immediate acceptance in a specified manner (such as a click-through acceptance), which The Ripple Club may require before further use of the The Ripple Club Service is permitted.
1. GENERAL
1. This document was last updated on May 20, 2023.
2. By using our Site and Services, you are agreeing to these Terms and representing that you are at least sixteen years old and that if you are between sixteen to seventeen years old, your legal guardian has reviewed and agrees to these terms and is happy for you to access and/or use our Site and Services.
3. The Ripple Club reserves the right to amend or change these Terms at any time without notice. By using the Site and Services after any changes have been posted, you agree to any new terms.
4. We may suspend, restrict or terminate your account and your access to our Site and Services with or without notice if we believe that you have breached these Terms.2. HEALTH DISCLAIMER
1. THE The Ripple Club SERVICE OFFERS HEALTH AND FITNESS INFORMATION AND IS DESIGNED FOR EDUCATIONAL AND ENTERTAINMENT PURPOSES ONLY. YOU SHOULD CONSULT YOUR PHYSICIAN OR GENERAL PRACTITIONER BEFORE BEGINNING A NEW FITNESS PROGRAM. YOU SHOULD NOT RELY ON THIS INFORMATION AS A SUBSTITUTE FOR, NOR DOES IT REPLACE, PROFESSIONAL MEDICAL ADVICE, DIAGNOSIS, OR TREATMENT. IF YOU HAVE ANY CONCERNS OR QUESTIONS ABOUT YOUR HEALTH, YOU SHOULD ALWAYS CONSULT WITH A PHYSICIAN, GENERAL PRACTITIONER OR OTHER HEALTH-CARE PROFESSIONAL. DO NOT DISREGARD, AVOID OR DELAY OBTAINING MEDICAL OR HEALTH RELATED ADVICE FROM YOUR HEALTHCARE PROFESSIONAL BECAUSE OF SOMETHING YOU MAY HAVE READ ON THE The Ripple Club SITE OR HEARD ON THE The Ripple Club SERVICE. THE USE OF INFORMATION PROVIDED THROUGH THE The Ripple Club SERVICE IS SOLELY AT YOUR OWN RISK.
2. Do not engage in The Ripple Club workouts if your physician or medical provider has instructed you not to engage in an exercise program. You should stop your workout and contact your physician if you experience any of the following symptoms: overheated, dizziness, fainting, fatigue, shortness of breath, or chest pain.
3. Research developments may impact the health and nutritional advice that appears on the Service. No assurance can be given that the information contained on the Service will always include the most
recent developments.
3. PRIVACY POLICY
1. Your submission of information through the Service is governed by The Ripple Club’s Privacy Policy, located at [Client’s Privacy Policy URL](the “Privacy Policy”). You represent and warrant that any information
you provide in connection with the Service is and will remain accurate and complete, and that you will maintain and update such information as needed.
4. LICENCE
1. Subject to your compliance with these Terms and for so long as you are permitted by us to access the Site and use the Services, The Ripple Club grants you a limited, non-transferable, non-sublicensable,
non-exclusive, revocable licence to access the Site and use the Services for your own personal, non-commercial purposes. This licence includes the right to download the The Ripple Club’s app and view any
text, graphics, images, music, software, audio, video, works of authorship of any kind, and information or other materials that are posted, generated, provided or otherwise made available through the
Site and Services.
2. Except as expressly permitted by these Terms, you will not copy, reproduce, modify, redistribute, sell, transfer, create derivative works from, decompile, reverse engineer, or disassemble the Site, Services or
any content or materials within them, nor will you take any measures to interfere with or damage the Site or Services.
5. INTELLECTUAL PROPERTY RIGHTS
1. You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in the Products, Site and Services and all material or content supplied as part of the Products, Site andServices will remain at all times vested in us or our licensors. You are permitted to use this material only as expressly authorised by us in accordance with these Terms. All rights not expressly granted by The
Ripple Club in these Terms are reserved.
6. AVAILABILITY
1. We cannot guarantee that you will have uninterrupted access to the Site and our Services at all times. While we will make every effort to
avoid it, access may be disrupted from time to time due to necessary maintenance, technical issues, network and system overloads or events outside of our control.
2. The inclusion of any products or services on Site at a particular time does not imply or warrant that these products or services will be available at any time. We reserve the right to discontinue any Products or Services at any time.
3. You may be required to download and install updates to the The Ripple Club App to maintain access to our Services. Failure to do so may result in certain features and services being unavailable or adversely affected.
7. ACCURACY
1. We try to be as accurate as possible on the Site about the Services and Products including pricing, package inclusions, and any other details related to our Service. However, while we try our best to ensure
that product information on our website is correct, it is possible that the Site may contain errors or inaccuracies. We therefore reserve the right to correct any errors, inaccuracies or omissions and to change and
update information at any time without prior notice.
8. ACCOUNT REGISTRATION
1. In order to access the Services, you’ll need to register for a The Ripple Club account and have a valid subscription and/or a free trial.
2. All information that you provide when opening an account must be accurate and up to date, including your name, address, credit or debit card numbers and expiration dates, and any other payment information. You must notify us about any changes, if your payment method is cancelled or if you become aware of a potential breach of security such as the unauthorised disclosure or use of your username or
password.
3. You agree that you will take all steps necessary to protect your login details and keep them secret. You agree that you will not share your details or allow someone else to use your account. If you do not keep
your login details secret, or if you share your account or details with someone else, you accept full responsibility for the consequences (including being charged for additional subscriptions).
9. SUBSCRIPTIONS
1. You can purchase a subscription directly on our website or through an app provider such as Apple, Google Play Store or other App Stores
where the App will be available (“App Provider”).
2. We accept payment from the payment options shown at checkout including Visa, Mastercard and American Express. We reserve the right
to check the accuracy and validity of the payment method used, including its credit status in relation to the order value. We may refuse
orders depending on the result of these checks.3. We reserve the right to change our prices at any time. Prices of
subscriptions may vary depending on the type of subscription and the country where you are located.
4. If the credit card that you use to pay is denominated in a currency other than US Dollar (USD), you acknowledge that you may be charged additional administrative and/or currency conversion fees by the applicable bank or service provider, for which you will be responsible.
5. From time to time, we may ourselves or through our partners offer free trials to new users. Each person is entitled to no more than one free
trial.
6. If during the free trial sign up you choose a subscription and provide payment details to us, you will automatically be charged for the full price of the chosen subscription when the free trial ends, unless you
cancel beforehand.
10. RENEWALS, CANCELLATIONS, AND REFUNDS
1. Where you have subscribed for the Services directly through our website and should you change your mind, you may cancel before your next billing cycle for you not to be charged on the following month. When you have signed up for a free trial, you can cancel anytime before the end of the free trial period and you will not becharged. Please note that you may lose any right of withdrawal that you have if you have used the Services during the Cancellation Period or the free trial.
2. Following expiry of the Cancellation Period or any free trial, subscriptions are non-refundable and there is no right to refunds or credits unless required by law.3. Your subscription will automatically renew unless you cancel. You may cancel your subscription at any time. Cancelling your subscription will take effect at the end of the current subscription period and no future payments will be taken. You will not receive a refund for any unused portion of your subscription.
4. Once you have cancelled, unless otherwise stated, you can continue using the Services until the end of your current subscription period.
5. Cancellation and Refund
a. If you have purchased your subscription directly with us from our Site, you can cancel or request for refund by emailing us at hello@therippleclub.fit or sending us a message through the Live
Chat function on the The Ripple Club app.
b. Where you have subscribed through an App Provider, you must cancel directly with them.
c. If we suspend or terminate your subscription pursuant to these Terms, you may lose the remainder of any subscription and we will not refund you for the remaining term.
11. CONTENT
1. The content and other material and services available through the Service may include instructional videos, exercise routines, exercise records and other media. You acknowledge and agree that The Ripple Club is not a healthcare provider or fitness instructor; that the Service (including any recommendations and any information
available through the Service that may be personalised) may not be appropriate for you, and does not constitute or replace medical advice; and that The Ripple Club is not responsible for any results that may (or may not) be obtained from the use of the Service. You acknowledge and agree that it is your sole responsibility to consult with your personal physician regarding any medical condition, impairment or disability that may prevent or limit your ability to use the Service. You further understand and agree that you are solely responsible for abiding by your personal physician’s recommendation as to any such medical restrictions, and for using the Service solely in accordance with your personal physician’s advice.
2. Individuals under sixteen years old are not permitted to use or access the Service, unless supervised by individuals who are legally of age.
12. PROHIBITIONS
1. In addition to other prohibitions as set forth in these Terms, you are prohibited from using the Service or Site:
a. for any unlawful purpose;
b. to solicit others to perform or participate in any unlawful acts;
c. to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances;
d. to infringe upon or violate our intellectual property rights or the intellectual property rights of others;
e. to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation,
religion, ethnicity, race, age, national origin, or disability;
f. to submit false or misleading information;
g. to upload or transmit viruses or any other type of malicious code that will or may be used in any way to affect the functionality oroperation of the Service or of any related website, other
websites, or the Internet;
h. to collect or track the personal information of others;
i. to spam, phish, pharm, pretext, spider, crawl, or scrape;
j. To reproduce, modify, adapt, translate, create derivative works of, sell, rent, lease, loan, timeshare, distribute or otherwise exploit
any portion of (or any use of) the Service except as expressly authorised herein;
k. to reverse engineer, decompile or disassemble any portion of the Service, except where such restriction is expressly prohibited by applicable law;
l. to remove any copyright, trademark or other proprietary rights notice from the Service
m.n. for any obscene or immoral purpose; or
o. to interfere with or circumvent the security features of the Site, Services or any related website, other websites, or the Internet.
13. EXTERNAL LINKS
1. We may provide links to other websites from time to time. These links are provided for your convenience. We do not endorse or take responsibility for the content of those websites, are not responsible for the availability of those websites and will not be liable in any way for any loss or damage which you may suffer by using those websites. If you decide to access linked websites you do so at your own risk.
14. USER CONTENT AND SOCIAL MEDIA
1. Any content or materials that you provide or make available through the Site or any social media channels of The Ripple Club (“User Content”), whether publicly posted or privately transmitted, is your sole responsibility. You represent that all User Content submitted is accurate, complete, up-to-date, and in compliance with these Terms and with all applicable laws, rules and regulations.
2. You grant The Ripple Club a worldwide, perpetual, irrevocable, non-exclusive, sublicensable, transferable royalty-free license and right to use, copy, transmit, distribute, publicly perform and display (through all media now known or later created), edit, modify, and make derivative works from the User Content (including, without limitation, translations) for any purpose whatsoever, commercial or otherwise,
without compensation to you. In addition, you waive any moral rights (or equivalent rights) or rights of privacy or publicity in your User Content. You represent that you own (or have all rights necessary to grant The Ripple Club the rights to use) all User Content, and that The Ripple Club will not need to obtain licenses from any third party or pay royalties to any third party in order to use such User Content.
3. If you make suggestions to The Ripple Club about improving or adding new features or products to the Products, Site or Services or you otherwise provide feedback, products or Services reviews or
testimonials, to the extent any licence is required, you hereby grant to The Ripple Club a worldwide, perpetual, irrevocable, non-exclusive, sublicensable, transferable royalty-free license and right to use, copy,
modify, create derivative works based upon and otherwise use your suggestions, feedback, reviews and testimonials for any purpose(including for marketing), without any notice, compensation or other obligation to you.
4. We have no obligation to monitor, review, filter, moderate or remove any User Content from the Site. Nevertheless, we reserve the right to take any such actions at our sole discretion.
15. TRANSACTIONS
1. We may make available the ability to purchase or otherwise obtain certain Products through the Service (a “Transaction”). If you wish to make a Transaction, you may be asked to supply certain relevant
information, such as your credit card number and its expiration date, your billing address and your shipping information. You represent and warrant that you have the right to use any credit card that you submit in connection with a Transaction. By submitting such information, you grant to us the right to provide such information to third parties for purposes of facilitating Transactions. Verification of information may be required prior to the acknowledgment or completion of any Transaction. By making a Transaction, you represent that the applicable Products will be used only in a lawful manner.
2. The Ripple Club reserves the right, including without prior notice, to limit the available quantity of or discontinue making available any Product; to impose conditions on the honoring of any coupon, discount or
similar promotion; to bar any user from making any Transaction; and to refuse to provide any user with any Product. Refunds and exchanges will be subject to The Ripple Club’s applicable refund and exchange policies. You agree to pay all charges incurred by you or on your behalf through the Service, at the prices in effect when such charges
are incurred, including all shipping and handling charges. In addition, you are responsible for any taxes applicable to your Transactions. Whileit is our practice to confirm orders by email, the receipt of an e-mail
order confirmation does not constitute our acceptance of an order or our confirmation of an offer to sell a product or service.
3. Products will be shipped to an address designated by you, if applicable, so long as such address is complete and complies with the shipping restrictions contained on the Service. All Transactions are made pursuant to a shipment contract and, as a result, risk of loss and title for Products pass to you upon delivery of the Products to the carrier. You are responsible for filing any claims with carriers for damaged and/or lost shipments.
16. DISCLAIMER OF WARRANTIES
1. To the fullest extent permitted under applicable law: (a) the Service and any Products and Third Party Materials are made available to you
on an “As Is,” “Where Is” and “Where Available” basis, without any warranties of any kind, whether express, implied or statutory; and (b) The Ripple Club disclaims all warranties with respect to the Service andany Products and Third Party Materials, including the warranties of merchantability, fitness for a particular purpose, non- infringement and title. All disclaimers of any kind (including in this section and elsewhere in this Agreement) are made for the benefit of both The Ripple Club and its affiliates and their respective shareholders, directors, officers, employees, affiliates, agents, representatives, licensors, suppliers and service providers (collectively, the “Affiliated Entities”), and their respective successors and assigns.
2. While we try to maintain the timeliness, integrity and security of the Service, we do not guarantee that the Service is or will remain updated, complete, correct or secure, or that access to the Servicewill be uninterrupted. The Service may include inaccuracies, errors and materials that violate or conflict with this Agreement.
17. WAIVER
1. You understand that by using the Service, you may be exposed to a variety of hazards and risks, foreseen or unforeseen, including risks that arise as a result of entering a gym space or any other space or environment in which the Service is made available, performing physical activity, and/or using the equipment on which the Service is available. You understand that injuries or damage could occur by natural causes or activities of other persons, including the activities of other persons using such equipment, or other third parties (including third-party fitness instructors and other exercise participants), whether as a result of negligence or otherwise. To the fullest extent permitted by applicable law, you voluntarily assume all risk of loss, damage and injury to person or property that may arise from, or that is related to, your use of the Service, whether such risk is known or unknown to you.
2. You hereby waive and release The Ripple Club to the maximum extent permitted by law, from any claim, action, suit or demand arising out of or in connection with the use of the Services (including with respect to any physical injury or death). You acknowledge that neither The Ripple Club nor its affiliates will incur any obligation to you under any legal theory (including negligence) as a result of your use of the Service. You
agree that this release is binding upon you and your heirs, executors, administrators, successors and assigns.
18. LIABILITIES AND INDEMNITIES
1. To the fullest extent permitted by law, we exclude all conditions, warranties, representations or other terms, which may apply to theServices, Site or Products, whether express or implied. This does not
affect your statutory rights as a consumer.
2. We will not be liable to you for any lack of performance, or the unavailability or failure of any of our Services or Site, or for any failure by us to comply with these Terms, where such lack, unavailability or failure arises from any cause reasonably beyond our control.
3. We will not be liable for any loss or damage caused by a virus, distributed denial-of-services attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Services or to your downloading of any content from it, or on any website linked to it.
4. We will not be liable for any damage that may be caused to any device on which you access or use our Services that is caused in any way by our Services, unless that damage is directly caused by our
failure to exercise reasonable skill and care in the provision of theServices.
5. We will not be liable, in contract, tort (including, without limitation, negligence), pre-contract or other representations or otherwise out of or in connection with these Terms for:
a. any economic losses (including without limitation loss of revenues, profits, contracts, business or anticipated savings);
b. any loss of goodwill or reputation; or
c. any special or indirect losses, suffered or incurred by that party arising out of or in connection with the provisions of any matter under these Terms;
6. Nothing in these Terms limits or excludes our liability for:
a. death or personal injury by our negligence;
b. fraudulent misrepresentation; or
c. any other liability that cannot be excluded by law;
7. Subject to the above, any liability we do have for losses you suffer is strictly limited to the purchase price and the losses that were foreseeable. Loss or damage is only foreseeable where they could be contemplated by you and us at the time of you agreeing to these Terms.
8. To the fullest extent permitted by law, you agree to indemnify and hold The Ripple Club harmless from and against all damages, losses, and expenses of any kind (including reasonable legal fees and costs) arising out of:
a. your breach of these Terms;
b. any allegation that any materials that you submit to us or post on our Services infringe or otherwise violate the intellectual property rights of a third party; and
c. your access or use of our Services.
19. TERMINATION
1. This Agreement is effective until terminated. The Ripple Club mayterminate or suspend your use of the Service at any time and withoutprior notice, for any or no reason, including if The Ripple Club believes
that you have violated or acted inconsistently with the letter or spirit of this Agreement. Upon any such termination or suspension, your right to use the Service will immediately cease, and The Ripple Club may, without liability to you or any third party, immediately deactivate or delete your user name, password and account, and all associated
materials, without any obligation to provide any further access to such materials.
20. DISPUTE RESOLUTION
1. The terms of this Agreement are governed by the laws of Singapore without regard to its principles of conflicts of law, and regardless of your location. Except for disputes that qualify for small claims court, all disputes arising out of or related to this Agreement or any aspect of the relationship between you and The Ripple Club, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, will be resolved through final and binding arbitration before a neutral arbitrator instead of in a court by a judge or jury and you agree that The Ripple Club and you are each waiving the right to trial by a jury. Such disputes include, without limitation, disputes arising out of or relating to interpretation or application of this arbitration provision, including the enforceability, revocability or validity of the arbitration
provision or any portion of the arbitration provision. All such matters shall be decided by an arbitrator and not by a court or judge.
2. You agree that any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted and you are agreeing to give up the ability to participate in a class action.
3. You may opt out of this agreement to arbitrate by emailing hello@therippleclub.fit with your first name, last name, and address within thirty (30) days of accepting this agreement to arbitrate, with a statement that you decline this arbitration agreement.
21. COPYRIGHT INFRINGEMENT CLAIMS
1. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe
in good faith that materials available on the Service infringe your copyright, you (or your agent) may send to The Ripple Club a written notice by mail or e-mail, requesting that The Ripple Club remove such
material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send to Swyft Fitness a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. See https://www.copyright.gov/for details.
2. We suggest that you consult your legal advisor before filing a DMCA notice or counter-notice.
22. MISCELLANEOUS
1. This Agreement does not, and shall not be construed to, create any partnership, joint venture, employer- employee, agency or franchisor-franchisee relationship between you and The Ripple Club. If any provision of this Agreement is found to be unlawful, void or for any reason unenforceable, that provision will be deemed severable from this Agreement and will not affect the validity and enforceability of
any remaining provision. You may not assign, transfer or sublicense any or all of your rights or obligations under this Agreement without our express prior written consent. We may assign, transfer or sublicense any or all of our rights or obligations under this Agreement without restriction. No waiver by either party of any breach or default under this Agreement will be deemed to be a waiver of any preceding orsubsequent breach or default. Any heading, caption or section title contained herein is for convenience only, and in no way defines or explains any section or provision. All terms defined in the singular shall have the same meanings when used in the plural, where appropriate and unless otherwise specified. Any use of the term “including” or variations thereof in this Agreement shall be construed as if followed by the phrase “without limitation.
” This Agreement, including any terms and conditions incorporated herein, is the entire agreement between you and The Ripple Club relating to the subject matter hereof, and supersedes any and all prior or contemporaneous written or oral agreements or understandings between you and The Ripple Club relating to such subject matter. Notices to you (including notices of changes to this Agreement) may be made via posting to the Service or by e-mail (including in each case via links), or by regular mail. Without limitation, a printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. The Ripple Club will not be responsible for any failure to fulfill any obligation due to any cause beyond its control.
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