This site shows you a unique groundfloor investment opportunity.
You will immediately know if our groundfloor deal is to your liking.
We are required to qualify everyone as accredited (per the JOBS Act)
You will be shown EVERYTHING through this secure website.
You can easily make your investment through this safe website.
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BOTH BOXES below must be checked.
Yes, I'm willing to look at
your investment offer.
Yes, I am accredited and liquid for $10k.
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First 1,000 Notes: 2.77% APR; FIXED - One Note = 2.77% APR
Last 1,000 Notes: 1.99% APR; FIXED - One Note = 1.99% APR
30k or More Invested: 3.33% APR; FIXED - 3 Notes = 3.33% APR
All interest is compounded daily!
-Security/Instrument: Insurance
-Insurance-to-Principal Match: 100%
-Source: Direct from insurance companies (A-rated or better)
-Non Correlated with Ringorang Worldwide LLC: Yes
-Bankruptcy Remote Trust: Yes
-Independent Trustee: Yes
-Primary Beneficiaries: Investors (during 'wait and see' period)
A: No one wants to lose their money. Thinking for the investor, we designed this unique insurance-linked offering to mitigate risks typically associated with startups and otherwise high-risk investments. Investor are tired of the same ol' thing. With us, your principal will always be 'matched' by the assets in the trust during your 'wait' period (before you convert to equity). The insurance we use is our mechanism that provides a viable way to repay all investors in case we go 'belly up.' To be clear: this is a dollar-for-dollar risk mitigation program, whereby we use a feature typically used by large organizations. The addition of insurance into an offering is often related to large investments from large companies. Now you get to enjoy a startup deal with real risk mitigation. In addition, our trust is separate from Ringorang Worldwide LLC -- which makes it bankruptcy remote. Read the PPM for full disclosures before making your investment.
A: At this time, we are accepting equity reservations. Everyone starts as a note holder and then converts (if you choose) to an equity member. However, we reserve the option to redeem your note at anytime. If you do receive a letter from the trust or from Ringorang Worldwide LLC with a Notice of Redemption, you will have 10 days to decide if you'd like to convert. If not, you will receive your principal plus interest! You have up to 8 years to convert -- that's your maximum 'wait' period (unless earlier redeemed). Most startups sell equity, fail, and investors lose their money. We are structured differently. Our program allows you to 'wait and see" how things go before you convert -- thus giving you the control to get equity or not. Your note today is like an option for future equity. However, you can convert anytime and at NO additional investment or cost required. Although we're not selling equity, you could technically buy a note today and convert tomorrow. Read the PPM for full disclosures before making your investment.
A: If you act fast enough to become 1 of 2,000 (please, do not rush), you will begin earning 2.77% APR effective immediately upon your subscription being accepted (authenticated by the trustee). This interest rate is compounded DAILY and applies to all those who allocate less than $30,000. If you allocate $30,000 or more, you will earn 3.33% APR. A copy of your paperwork is also sent to our law firm Mitchell, Silverberg & Knupp LLP. Since our deal allows you to convert from a note (or debt) to membership (or equity), you could possibly earn 300% after conversion. Conversion is optional, and what makes our deal so exciting. In addition to the upside potential, we also added a 'hedge' during your 'wait and see' period. That's the purpose of the trust and the insurance. Note: There is NO FEE or additional investment required to convert. Read the PPM for full disclosures before making your investment.
A: Once you convert to equity, if you choose to, the trust can no longer provide you with risk mitigation. If you convert, you could earn 300%+ ROI per the projections -- but you will be subject to the regular risks of being an equity owner at that time, which could mean enormous upside (although no one can guaranty upside). Our program's insurance-linked component represents a credible source of repayment to you -- but only during the wait period before you convert. If you never convert, you will always have the insurance on your side. While you wait, you earn 2.77% APR fixed, and compounded daily. However, if you invest $30,000 or more then your interest rate increases to a fixed 3.33% APR. Read the PPM for full disclosures before making your investment.
A: It's FIXED at 2.77% APR if your total investment with us is under 30k; it will never fluctuate. If you reach 30k or more, your interest increases to 3.33% APR; it will never fluctuate. The interest rate is compounded DAILY -- not monthly or annually. Once you invest, you will be able to see in your Account Page the value of your investment (e.g., $10,434.33) as well as access other insider information. Read the PPM for full disclosures before making your investment.
A: Simply put, our opportunity allows you to sit back and wait to obtain equity later. You earn while you wait - and the interest you earn is compounded DAILY. You get to earn while you watch us strive for the big win. It's like an option for future equity that you can execute when (and if) you want -- without any pressure from us to convert. Although there are only 2,000 maximum groundfloor positions available, take as much time as you need to review our 'wait and see' opportunity. We encourage investors to do due diligence before investing, regardless of low minimums. We believe that smart startups are the ones that provide a HEDGE for investors in addition to the four basics: 1) high-demand product/service, 2) large and/or growing market, 3) seasoned team, and 4) lucrative and rewarding investment deal. Please read the PPM before investing.
A: You are always in control with your Ringorang investment. You can convert anytime you choose. You hold the power of choice: to continue to wait and earn 2.77% APR compounded daily, for up to 8 years maximum -- or convert to equity for the associated benefits. If you allocate $30,000 or more, your interest rate increases to 3.33% APR. Read the PPM for full disclosures before making your investment.
A: The independent trustee, National Fiduciary Services, Inc., is installed to manage the investment as part of the risk mitigation structure. At anytime the trustee (or Ringorang) could notify you with a written letter about redeeming your note(s); however, you will have 10 days to decide to accept the repayment of your principal and interest or convert. Once you convert, you will no longer enjoy the insurance risk mitigation. You will, instead, assume the risks of owning equity which may mean either full loss of your investment or 300%+ ROI (or perhaps somewhere in the middle). You will never be forced to convert nor charged to convert. You will also never be forced to accept repayment. You will always have the choice to do what is best for you -- you are in 100% control. Read the PPM for full disclosures before making your investment.
A: At this time, we accept checks that are attached to credit cards. Simply call your credit card company and ask them to mail you a check that can be used for a purchase. Costs associated with using a check attached to your credit card may apply. Some credit cards offer 0% interest for check usage. We are currently working with several parties in order to find a solution that will allow us to accept credit/debit cards. When you reach the Invest Portal (the last part of the website), you will see several options available at this time, including eCheck. Each of the shown options provides a cash back incentive, with the eCheck providing the most cash back. Your transaction online is 100% secure thanks to McAfee Security. In addition, we are also approved to accept IRA transfers. Read the PPM for full disclosures before making your investment
A: After you're accepted, you have 3 options: 1) to convert to equity, 2) to NOT convert to equity whereby the investment is due in 8 years (principal plus interest), 3) to have your investment redeemed. What is redemption? We reserve the right to redeem your investment prior to you telling us that you wish to convert. Once you tell us that you wish to convert, we can no longer redeem your investment. In addiiton, once you are formally converted into equity, we can no longer attempt to redeem your investment. Your equity at that point is 100% owned by you. During the 'wait and see' period, before you convert, you have the right to be redeemed if you receive a Notice of Redemption from either the trustee or Ringorang Worldwide LLC. In short, you have the power to do what you wish with your investment: convert / not convert / accept redemption (if made). Note: if you do receive a Notice of Redemption, you will have 10 days to convert. If not, you will receive your principal plus interest. Please read the PPM for further information.
A: Management makes a voluntary disclosure of two regulatory notices in relation to the manager's previous activities concerning the sale of securities: 1) In June 2007, the Colorado Securities Commissioner issued a Consent Cease and Desist Order requiring the applicable parties to either maintain exempt status or register the applicable securities offered for sale. Link is here: http://goo.gl/MgsceB. 2) In May 2009, the California Department of Corporations issued a Desist and Refrain Order, also concerning exempt status filings. Link is here: http://goo.gl/PGylmJ. The applicable parties agreed to comply with the state securities regulations in any sale of securities in California and Colorado. Both states reviewed the manager's processes and paperwork in connection with its securities sales practices; there were no findings of fraud or misrepresentation. The Manager continues to work with its securities law firm Mitchell, Silberberg & Knupp to ensure compliances. Ringorang Worldwide LLC management believes that there are no "disqualifying events" that would compromise qualification pursuant to 17 CFR 230.506(d)(iii) or would be considered required disclosures pursuant to 17 CFR 230.506(e).
A: There has been no change to our insurance facilitator as reflected in the PPM. Should we add or change insurance facilitators, we will update this section as appropriate. We recommend you check back with the FAQ on a quarterly basis. Read the PPM for full disclosures before making your investment
A: The trustee for The Insurance Linked Trust is Mr. Randy Newman, President of National Fiduciary Services, Inc. Mr. Newman is an independent trustee. His bio can be found in the PPM; contact information is found by clicking the "Contact Us" button in this website. Mr. Newman is the person who will authenticate your paperwork upon acceptance. Read the PPM for full disclosures before making your investment
A: Yes. Under the new Rule 506(c), in order to maintain our exemption status, we must receive additional documentation to verify that every single groundfloor investor is, in fact, accredited. It’s an easy process, and essentially guarantees your acceptance! Get started now, before you submit, by clicking on your name in the top right of this website; then scroll down in your Account to the box that reads: VerifyMe! Read the PPM for full disclosures before making your investment
A: Absolutely NOT. We will never ask to see your confidential account numbers. We simply need to match the figures with your name. You can strike through / cross out / black out / white out any areas you wish to omit. The specifics to this process can be found by clicking the VerifyMe box in your Account Page. It's as simple as uploading a single document! You can also email your document(s) to compliance@ringorang.com or fax us at (818) 334-5200. Read the PPM for full disclosures before making your investment
A: Yes! We are approved to accept subsriptions from those who use a self-directed IRA, yes. In the PPM you will see the firm IRA Services Trust Company discussed. Please email ira@ringorang.com to receive additional information about how to add the 'wait and see' program directly to your IRA without penalty. If you have a 401k from a previous employer, you may be able to use those funds to invest in Ringorang! Your IRA will receive the exact same benefits as those who invest using personal monies. Email ira@ringorang.com to learn more. Read the PPM for full disclosures before making your investment
A: We maintain an active "finder" program, yes - but finders are not allowed to 'sell' unless they have a securities license. To learn about our bona fide finder program, please email FINDERS@ringorang.com. You can also look under the 'Due Diligence' click at the top menu bar (when visible) for "Finder's Rules of Conduct." We also invite registered brokers/dealers to contact us at B-D@ringorang.com. NOTE: although our securities attorneys have advised us not to pay existing investors for referrals, we do provide a 'thank you' gift for each referral that is accepted as an investor. Existing investors can contact us at REFERRALS@ringorang.com for more information.
A: We aim to make education and access EASY. At the top of every webpage you'll see 'Am I Accredited?' In addition, you will find the definitions in the Subscription Agreement, once you are issued a PPM. Of course, the official source is the U.S. Securities & Exchange Commission's website: http://www.investor.gov/news-alerts/investor-bulletins/investor-bulletin-accredited-investors. Please read the PPM before you invest with us.
A: Crowdfunding is a different approach to raising capital. With our 506(c) exemption, we are not limited on advertising. We are also not limited on how to raise capital nor are we limited on how much capital we can raise. However, crowdfunding rules force those who crowdfund to raise capital only through certain types of online portals (handled by a broker), and also forces caps on the amount of capital raised. In addition, crowdfunding places limits on certain people who invest. With our Offering, you will never be limited on the amount you choose to allocate to our 'wait and see' program. You may invest $1M, for example. For these reasons (and more), we believe that exemption 506(c) is the best way to raise capital for an emerging company.
A: We post news in various locations, depending on the topic and news type. From your Account page, you can click INSIDER NEWS at the top of the page for a listing of various announcements. You can also click any of the four social media links at the bottom of the webpages: Facebook / Twitter / LinkedIn / Google+. Stay connected with us for all news and developments, and be sure to add groundfloor@ringorang.com to your email recipient list.
Ringorang Worldwide LLC's 'wait and see' investment program is EXEMPT, FILED; and we're REGISTERED with North American Securities Administrators Association's EFD.
The information below is available for your viewing in addition to our Private Placement Memorandum ("PPM").
With every investment you make - whether private or public - be vigilant. Be smart. And remember, you and you alone are in charge of your money and financial future.
Read the PPM for complete disclosures on our 'wait and see' investment offering.
Binary Options: Binary options are securities in the form of contracts that have a payout that depends on whether the underlying asset - for example, a company's stock or a stock index - increases or decreases in value. In such an all-or-nothing payout structure, investors betting on a stock price increase face two possible outcomes when the contract expires: they either receive a pre-determined amount of money if the value of the asset increased over the fixed period, or no money at all if it decreased. (Read More)
Marijuana Industry Investments: Medical marijuana is legal in 23 and the District of Columbia, and recreational use is legal in four states and the District of Columbia. The legalization of this once prohibited substance is generating headlines and great interest across the country which, in turn, has grabbed the attention of investors looking to capitalize on the high potential of this new legal market. Many promoters have seized upon this to market and sell investments in the marijuana industry, including investments in companies that provide products and services to the marijuana industry such as vaporizers, hydroponic supplies, lighting systems, and security systems. But as is the case with any headline-generating topic, scam artists also recognize an opportunity to capitalize. (Read More)
Pyramid and other Ponzi Schemes: One of the most disturbing trends reality was the rise in multilevel marketing offerings that were pyramid schemes (MLM). These MLM schemes are a combination of a Ponzi scheme perpetrated in an affinity fraud fueled by the Internet. Some common characteristics are: the product is ancillary to the overall scheme; money is made primarily when you recruit others to purchase the investment, not from actual product sales; these fraudulent MLMs pay earlier investors with funds from later investors; and specific payouts are often guaranteed by promoters. These multi-level marketing frauds usually involve affinity fraud and can be spread quickly through word-of-mouth, the Internet and social media. The most recent investigations of these frauds involved Spanish, Portuguese, Brazilian and Asian-American communities, but anyone is potentially vulnerable. (Read More)
Risky Oil and Gas Drilling Programs: Investors should be wary of that recent headlines of the current oil and gas boom are indications of potential high returns in oil and gas drilling programs. Hydraulic fracturing, also known as "fracking," and horizontal drilling are credited with facilitating record levels of oil and natural gas production in this new, technology-driven boom that has grabbed national headlines. Unfortunately, scam artists and unscrupulous promoters follow the headlines and are quick to capitalize on the increased interest of investors who are frequently unfamiliar with the high degree of risk typically associated with oil and gas ventures. (Read More)
Real Estate Schemes Including Those Utilizing Promissory Notes: As real estate market continues to recover, and traditional methods of earning interest remain low, state regulators continue to see fraud in Real Estate Schemes and Promissory Notes. These schemes were the second most frequently reported problem areas in the 2013 data. Investors are encouraged to perform due diligence on these alternative investments, and consider requesting information regarding the source of repayment, real estate appraisals, title reports, company financials and other important information. (Read More)
For the complete list of threats Click Here
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Here is a direct comparison before the JOBS Act lifted the ban:
Rule 506 (B) Offerings
(Traditional Regulation D)
Rule 506 (C) Offerings
(New Rule)
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Reliance on Offering Memorandum:
NO OFFERING LITERATURE OR ADVERTISING IN ANY FORM MAY BE RELIED ON IN CONNECTION WITH THE OFFERING OF RINGORANG WORLDWIDE LLC'S NOTES AND UNITS EXCEPT FOR THIS OFFERING MEMORANDUM AND THE STATEMENTS CONTAINED IN THE SUBSCRIPTION AGREEMENT AND, WITH RESPECT TO UNITS THAT MAY BE ACQUIRED UPON CONVERSION OF THE NOTES, THE OPERATING AGREEMENT. NO PERSON, EXCEPT THE MANAGER OF THE COMPANY HAS BEEN AUTHORIZED TO MAKE REPRESENTATIONS OR TO GIVE ANY INFORMATION WITH RESPECT TO THE OFFERING OF NOTES AND UNITS THAT MAY BE ACQUIRED UPON CONVERSION OF THE NOTES OR THE PROPOSED OPERATIONS OF THE COMPANY, EXCEPT FOR THE INFORMATION CONTAINED IN THIS OFFERING MEMORANDUM AND, IF GIVEN OR MADE, SUCH INFORMATION OR REPRESENTATIONS MUST NOT BE RELIED ON AS HAVING BEEN AUTHORIZED BY THE COMPANY. NEITHER THE DELIVERY OF THIS OFFERING MEMORANDUM NOR ANY SALE HEREUNDER SHALL UNDER ANY CIRCUMSTANCES CREATE THE IMPLICATION THAT THE INFORMATION CONTAINED HEREIN HAS NOT CHANGED SUBSEQUENT TO THE DATE HEREOF.
THIS OFFERING MEMORANDUM AND THE COMPANY'S PUBLIC-FACING ADVERTISEMENTS AND MARKETING MATERIALS INCLUDING BUT NOT LIMITED TO ITS WEBSITES, PRESENTATIONS, RADIO ADS, SOCIAL MEDIA POSTS, EMAIL AND PHONE COMMUNICATIONS CONTAINS SUMMARIES OF CERTAIN PROVISIONS OF DOCUMENTS DISCUSSED HEREIN, BUT SUCH SUMMARIES ARE NOT PROVIDED AS A SUBSTITUTE FOR THE COMPLETE TEXT OF SUCH DOCUMENTS AND ARE QUALIFIED IN THEIR ENTIRETY BY REFERENCE TO THE COMPLETE TEXT OF EACH SUCH DOCUMENT. PROSPECTIVE INVESTORS ARE URGED TO READ ALL SUCH DOCUMENTS FOR A COMPLETE UNDERSTANDING OF THIS OFFERING AND THE TRANSACTIONS CONTEMPLATED IN CERTAIN OF THOSE DOCUMENTS.
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IF AND WHEN USED OR INCLUDED IN THIS OFFERING MEMORANDUM, THE WORDS "EXPECTS," "INTENDS," "ANTICIPATES," "BELIEVES," "HOPE," "ESTIMATES," "MAY," "MIGHT," "WILL," "WOULD," "PROJECT," AND "PREDICT," AND ANALOGOUS EXPRESSIONS ARE INTENDED TO IDENTIFY FORWARD-LOOKING STATEMENTS AS DEFINED IN THE 1933 ACT. ANY SUCH STATEMENTS INHERENTLY ARE SUBJECT TO A VARIETY OF RISKS AND UNCERTAINTIES THAT COULD CAUSE ACTUAL RESULTS OR EVENTS TO DIFFER MATERIALLY FROM THOSE RESULTS OR EVENTS PREDICTED OR ANTICIPATED BY THESE STATEMENTS, INCLUDING, WITHOUT LIMITATION, ANY RESULTS OR EVENTS DESCRIBED HEREIN AND IN THE SUMMARY FINANCIAL PROJECTIONS OF THE COMPANY CONTAINED HEREIN. ACCORDINGLY, PROSPECTIVE INVESTORS SHOULD NOT RELY ON THESE STATEMENTS. SUCH RISKS AND UNCERTAINTIES INCLUDE, AMONG OTHERS, GENERAL ECONOMIC AND BUSINESS CONDITIONS, CHANGES IN POLITICAL, SOCIAL AND ECONOMIC CONDITIONS, CHANGES IN THE NEW MEDIA INDUSTRY, ENVIRONMENTAL RISKS, INTEREST RATE RISKS AND VARIOUS OTHER MATTERS (INCLUDING, WITHOUT LIMITATION, THOSE RISKS DESCRIBED HEREIN IN "RISK FACTORS"), MANY OF WHICH ARE BEYOND THE COMPANY'S CONTROL. THESE FORWARD-LOOKING STATEMENTS SPEAK ONLY AS OF THE DATE OF THIS OFFERING MEMORANDUM. THE COMPANY AND THE MANAGER EXPRESSLY DISCLAIM ANY OBLIGATION OR UNDERTAKING TO RELEASE PUBLICLY OR OTHERWISE DISSEMINATE TO SUBSCRIBERS OR TO INVESTORS ANY UPDATES OR REVISIONS TO ANY SUCH FORWARD-LOOKING STATEMENT TO REFLECT ANY CHANGE IN THE EXPECTATIONS OF THE COMPANY OR THE MANAGER WITH REGARD THERETO OR ANY CHANGE IN EVENTS, CONDITIONS OR CIRCUMSTANCES ON WHICH ANY SUCH STATEMENT IS BASED. THE RISKS AND UNCERTAINTIES ATTRIBUTABLE TO THESE FORWARD-LOOKING STATEMENTS MAY ADVERSELY AFFECT THE ABILITY OF THE COMPANY TO MEET ITS INTEREST OBLIGATIONS ON THE NOTES, AND THEREFORE THEIR RATE OF RETURN OR, WITH RESPECT TO UNITS ACQUIRED UPON CONVERSION OF THE NOTES, MAY ADVERSELY AFFECT THE DISTRIBUTIONS TO BE MADE ON, OR THE RATE OF RETURN ON, THE UNITS. SOME OF THESE ARE DISCUSSED IN THE "RISK FACTORS" SECTION HEREIN. PROSPECTIVE INVESTORS SHOULD CAREFULLY CONSIDER THE RISK FACTORS, IN ADDITION TO THE OTHER INFORMATION PROVIDED HEREIN.
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You MUST be an accredited investor to subscribe to Ringorang Worldwide LLC's 'wait and see' investment program. Any party who is NOT an accredited investor is prohibited from subscribing.
Who are YOU? You are an "accredited investor" if you:
You are an "accredited investor" if you are:
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Just add INSURANCE
Sometimes the most obvious things are overlooked. Often the most brilliant things are simple. The problem is clearly obvious: the super majority of startups do not offer any form of security or protection to their investors. It's always 'invest at your own risk.' This is because most startups have no experience with investment structures let alone running a business, and most startups simply don't have any assets to pledge to investors. Besides, providing insurance and other forms of security have always been too expensive for a startup to afford and too time consuming to figure out. So the name of the game has always been: 'win some; lose some.'
Well, not anymore. New technologies and new ways of thinking change things. Welcome to a new era!
The new JOBS Act has opened the flood gates to deal flow: the good, the bad and the ugly. New showcase websites are popping up monthly, like Fundable.com. You'll find an endless number of deals online to review. It's overwhelming! More importantly, none are providing serious risk mitigation.
You may be thinking: "It is impossible to avoid the loss of my money when investing in a startup." However, this is not true. It's only as true as the world is flat.
Just add INSURANCE
The real problem for investors has not been focused on in the past. Only because of the enormous deal flow has light been shed on the problem. Because of this, investors are now demanding a risk-averse deal structure for startups. Without it, investors will soon stop searching for the needle in the ever-growing hay stack. Seasoned investors are tired of both wasting time reviewing bad deals and losing money with startups -- and new investors are too scared to lose money. Being tired and scared makes it nearly impossible to invest.
Here's the obvious and simple solution to the problem: insurance. Ringorang Worldwide LLC has added insurance to its 'wait and see' investment offering. This simple addition could become the new gold standard for startups.
Just add INSURANCE
The added insurance allows dollar-for-dollar matching of principal to occur thus making it possible to repay you in FULL even if our business failed prior to your conversion.
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*Investments in Ringorang must be made payable to 'The Insurance Linked Trust.'
Updated August 10, 2015
Ringorang Worldwide LLC, ('Ringorang', 'We', 'Our', 'Company'), is committed to protecting the privacy of individuals who use its services. We understand that personal data and privacy are important and treat it like our own. We have published this privacy policy to show what personal information is recorded and for what purpose, through the use of the sites and services provided at Ringorang.com domain, subdomains and related domains ('Site', 'Services').
Your agreement that we may contact you:
You consent to receive calls and text messages by automated means. It's easy to opt-out: email optout@ringorang.com.
By providing your contact information to us, you agree that Ringorang may contact you at the phone number or email address you provide in this online session, even if you have previously indicated your preference of 'do not call' or 'do not email' with a government registry or with Ringorang. You agree that we may use personal and financial information about you from our affiliated companies to prefill the Subscription Documents and other forms, if and as applicable. If you provide us with your mobile device information, you agree that we may contact you via your mobile device. (Your mobile carrier's charges may apply.). You can also revoke your agreement to be contacted at any time. If you do not want us to contact you, please email us at optout@ringorang.com.
We may also record your sessions for internal review purposes only and related to quality assurance, compliance and to improve user exerience. We capture: HTML changes that happen while you use pages; Mouse movements; Mouse clicks; Scroll movements; and key strokes. Each event tracked is saved into a cloud database using a time stamp which is later used to replay back the events to us in sequential order. We also track while you're on different pages (using a first-party cookie), enabling us to later play back the entire session in a single recording - even if you visited multiple pages. Recordings of both static and dynamic pages occur (including payment areas and logged in areas). By default, we will not record passwords and numbers which resemble credit card or banking numbers.
From time to time, we may revise this policy to reflect changes in applicable laws, regulations, or practices or features of our Service. In such case, this policy will be updated and the effective date will be updated. Your continued use of the Ringorang Site and Services will signify acceptance of this policy.
If you have any questions regarding this privacy policy or concerning your personal data stored by Ringorang, you are welcome to contact us at privacy@ringorang.com.
A visitor or non-registered user using a Ringorang Site is not required to provide any personal information. If a visitor submits an enquiry to us as part of a support or other informational request or application, we may collect and retain such personal information as supplied by the visitor to facilitate return contact and answering of the request.
Use of the Ringorang Site as a registered user in either a public or private site requires us to collect and store a user's email address. This is used to identify the user for purposes of logging in, and to send application notifications when user action is required.
Optionally, a registered user may provide a first and last name, and biographical description of themselves. This information, collectively called a profile, will be viewed by the Company. Registered users have full control of their profile information, and may view or amend it at any time while logged in to the Site.
Through the use of the Service, a user may optionally choose to design a Ringorang® program and/or complete a questionnaire. Ringorang stores the responses from users and may use them to answer questions and commence additional communications with the user.
Where a user is registered in a private Ringorang site, such as a corporate site, Ringorang will record that the user is a member of that site. Optionally, a private site can be configured to grant access to managers to view reports containing user responses. Optionally, a site administrator may choose to apply arbitrary tags to users, such as \"sales region\" or \"country\", to facilitate grouping in reports.
Ringorang does not use, require, or knowingly record any sensitive personal data. We request that users of our services not provide to Ringorang any sensitive data (e.g. data about an individual concerning racial origin; political, religious or sexual opinion, beliefs or persuasions; criminal convictions; trade union memberships; etc.), and we reserve the right to remove any such data on discovery.
To facilitate essential site features, the Ringorang Site makes use of browser cookies for registered users. Cookies are small pieces of text sent to a browser by a website which enable the website to remember information for subsequent visits. Ringorang uses cookies to determine login status and user preferences such as language choice, and are essential for the use of the Service. If a user disables cookies in their browser they will be unable to use the Service.
Cookies are also used to collect analytical statistics about use of the Site. This helps us better understand user behavior, which parts of our website people have visited most frequently, from what geographic regions, etc. Ringorang uses the Google Analytics service to gather this data. Ringorang may use web beacons in emails it sends to record the status of email deliveries, such as bounced, delivered, opened, etc. Ringorang uses this information for the purpose of delivery troubleshooting and statistical analysis.
Ringorang may log access to its sites and services and retain logs for a period of time to facilitate in monitoring and improving the performance, security, and functionality of the service. Logs may contain IP addresses, which may indicate the location of a user accessing the site.
Ringorang will not share, sell, rent or trade personal information to unknown or unaffiliated third parties. However, Ringorang may share, sell, rent or trade personal information to closely related parties for marketing and/or promotional purposes so long as what is being marketed and/or promoted directly serves the scope of Ringorang's current products and services. For example: Ringorang may provide to Vergence Entertainment LLC (its Manager) certain investor-related data that it may use to announce an investment offered by Vergence. Ringorang will never share, sell, rent or trade highly-sensitive personal information such as but not limited to social security numbers and bank account numbers. Another example: Ringorang shares data that users provide when generating estimates and subsequenly connecting to a Ringorang Rep ('Reps'), with one or more Reps for the purpose of servicing and better serving the prospective clients accounts. Ringorang may transfer personal data to data centers of our service partners to enable the essential operation of the service.
Ringorang reserves the right to use or disclose information provided if required by law or if the Company reasonably believes that use or disclosure is necessary to protect the Company's rights and/or to comply with a judicial proceeding, court order, or legal process.
Ringorang takes data security seriously and has in place appropriate physical and virtual safeguards, procedures and policies to prevent unauthorized access, disclosure, alteration or destruction of personal data.
Ringorang uses personal data supplied by or on behalf of registered users to facilitate use of the Ringorang Service by said users and, where relevant, their managers or administrators. Ringorang will take reasonable steps to verify the validity of personal data supplied, for example by validating email addresses and/or the source of data supplied.
As a responsible organization, Ringorang adheres to the US-EU Safe Harbor Framework and US-Swiss Safe Harbor Framework as set forth by the US Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries and Switzerland. Ringorang has certified that it adheres to the Safe Harbor Privacy Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement.
Ringorang uses a self-assessment approach to assure compliance with this privacy policy and periodically verifies that the policy is accurate, comprehensive for the information intended to be covered, prominently displayed, implemented and accessible and in conformity with the Principles.
In compliance with the US-EU and US-Swiss Safe Harbor Principles, Ringorang commits to resolve complaints about your privacy and our collection or use of your personal information. European Union or Swiss citizens with inquiries or complaints regarding this privacy policy should first contact Ringorang at the contact details below.
In the unlikely event that a complaint or dispute cannot be resolved through our internal process, Ringorang has further committed to refer unresolved privacy complaints under the US-EU and US-Swiss Safe Harbor Principles to an independent dispute resolution mechanism, the BBB EU SAFE HARBOR, operated by the Council of Better Business Bureaus.
Questions, comments or complaints regarding Ringorang's privacy policy or data collection and processing practices can be emailed to: privacy@ringorang.com.
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Your agreement that we may contact you:
You consent to receive calls and text messages by automated means. It's easy to opt-out: email optout@ringorang.com.
By providing your contact information to us, you agree that Ringorang may contact you at the phone number or email address you provide in this online session, even if you have previously indicated your preference of 'do not call' or 'do not email' with a government registry or with Ringorang. You agree that we may use personal and financial information about you from our affiliated companies to prefill the order form. If you provide us with your mobile device information, you agree that we may contact you via your mobile device. (Your mobile carrier's charges may apply.). You can also revoke your agreement to be contacted at any time. If you do not want us to contact you, please email us at optout@ringorang.com.
Your Acceptance
General Use of the Touchpoints --Permissions and Restrictions
Ringorang hereby grants you permission to access and use the Touchpoints as set forth in these Terms of Service, provided that:
Your Use of Content on the Site
In addition to the general restrictions above, the following restrictions and conditions apply specifically to your use of content on the Ringorang Touchpoints.
Account Termination Policy
Digital Millennium Copyright Act
If a counter-notice is received by the Copyright Agent, Ringorang may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at Ringorang's sole discretion.
Warranty Disclaimer
YOU AGREE THAT YOUR USE OF THE RINGORANG TOUCHPOINTS SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, RINGORANG, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE TOUCHPOINTS AND YOUR USE THEREOF. RINGORANG MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THIS SITE'S CONTENT OR USER SUBMISSIONS OR THE CONTENT OF ANY SITES LINKED TO THIS SITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT OR USER SUBMISSIONS, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR TOUCHPOINTS, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR TOUCHPOINTS, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR TOUCHPOINTS BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR USER SUBMISSIONS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE Ringorang TOUCHPOINTS. RINGORANG DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE RINGORANG TOUCHPOINTS OR ANY HYPERLINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND RINGORANG WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE
Limitation of Liability
Indemnity
You agree to defend, indemnify and hold harmless Ringorang, its parent corporation, officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Ringorang Touchpoints; (ii) your violation of any term of these Terms of Service; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that one of your User Submissions caused damage to a third party. This defense and indemnification obligation will survive these Terms of Service and your use of the Ringorang Touchpoints.
Ability to Accept Terms of Service
You affirm that you are an accredited investor, more than 18 years of age, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Service, and to abide by and comply with these Terms of Service.
Assignment
These Terms of Service, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Ringorang without restriction
General
You agree that: (i) the Ringorang Touchpoints shall be deemed solely based in California; and (ii) the Ringorang Touchpoints shall be deemed a passive website that does not give rise to personal jurisdiction over Ringorang, either specific or general, in jurisdictions other than California. These Terms of Service shall be governed by the internal substantive laws of The Commonwealth of California, without respect to its conflict of laws principles. Any claim or dispute between you and Ringorang that arises in whole or in part from your use of the Ringorang Touchpoints shall be decided exclusively by a court of competent jurisdiction located in Los Angeles County, California. These Terms of Service, together with the Privacy Notice at www.ringorang.com/privacy and any other legal notices published by Ringorang on the Touchpoints, shall constitute the entire agreement between you and Ringorang concerning the Ringorang Touchpoints. If any provision of these Terms of Service is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Service, which shall remain in full force and effect. No waiver of any term of this these Terms of Service shall be deemed a further or continuing waiver of such term or any other term, and Ringorang's failure to assert any right or provision under these Terms of Service shall not constitute a waiver of such right or provision. Ringorang reserves the right to amend these Terms of Service at any time and without notice, and it is your responsibility to review these Terms of Service for any changes. Your use of the Ringorang Touchpoints following any amendment of these Terms of Service will signify your assent to and acceptance of its revised terms. YOU AND Ringorang AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE RINGORANG TOUCHPOINTS MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
Last updated: 8/18/2015
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Recipient hereby agrees to maintain in strictest confidence and secrecy any and all information and materials disclosed by Ringorang Worldwide LLC, including every related, affiliated and subsidiary company thereof (collectively, "Discloser") to the undersigned ("Recipient") (collectively, the "Confidential Information"). Recipient shall not use any of the Confidential Information except for the exclusive purpose of considering an investment in Discloser (the "Permitted Purpose"). Recipient agrees not to disclose any of the Confidential Information to any other person or entity without the prior written consent of Discloser. Recipient shall not be deemed to obtain any rights in or to any of the Confidential Information or any of Discloser's other intellectual property. Upon request by Discloser, Recipient shall immediately transfer to Discloser all materials containing any Confidential Information given to or otherwise in the possession of Recipient. The Recipient, its consultants, agents and employees, will from time to time provide suggestions, comments or other feedback to Discloser with respect to Confidential Information (hereinafter referred to as "Feedback"). It is understood that all Feedback is voluntary and may be freely used by Discloser (such as, for example, incorporating a suggested feature or attribute into Ringorang) entirely without obligation or recourse of any kind to Recipient, its consultants, agents or employees. Discloser's rights and remedies under this Agreement shall be in addition to any other rights and remedies that Discloser may have under applicable law. This Agreement and the Private Placement Memorandum being issued to Recipient is the entire agreement between the parties with respect to the subject matter hereof and may not be amended except as specifically set forth in a written document duly executed by the parties. This Agreement shall be governed under the laws of the State of California and shall be subject to the exclusive jurisdiction of courts situated in Los Angeles County, California. In the event of litigation between the parties relating to this Agreement, the prevailing party shall be entitled to recover court costs and reasonable fees of attorneys, accountants and expert witnesses.
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1. After allocating funds, your subscription will be reviewed internally; once approved, you will be officially welcomed as a groundfloor investor. Your earnings of 2.77% APR compounded daily will start immediately upon acceptance!
2. Once you allocate, your option to convert to equity in Ringorang is secured - and the upside potential could exceed 300%. You will also gain access to your Account Page where you will see the value of your note (e.g., $10,434.33).
1. This is a simple deal. Each Note you buy is $10,000 that earns daily compounding interest at 2.77%. Your Note repayment is supported by certain insurance-linked assets, the proceeds of which, at maturity, will be used to repay principle and interest on the Notes you purchase in this Offering. These insurance-linked assets are non-correlated, fixed-value assets which at maturity, in the aggregate, are design to amount to equal not less than the investors' principal investment.
2. You can monitor the growth and success of Ringorang while earning 2.77% compounded daily. Not holders have the right to convert their debt position to "equity" Membership Units in Ringorang, and may share in future cash distributions of the Company. If converted, you would enjoy a priority profit allocation, until you've received 110% of your principal investment back; with pro rata allocation thereafter.
3. Read the Cover Letter to your PPM. It's the first page of your serialized PPM.
