This Cookie Notice explains how Ruby deploys cookies and similar technologies as part of our Services and describes your options to control how those technologies interact with your device. If you have any questions, please contact us at firstname.lastname@example.org or toll free at 866-611-7829.
Cookies are alphanumeric identifiers that we transfer to your device’s harddrive through your web browser. Cookies are used to recognize your device and to store your preferences. Some cookies allow us to make it easier for you to navigate a website or platform, while others are used to enable a faster login process or to allow us to track your activities.
Session cookies allow our systems to uniquely identify you during a session or while you are logged in. They exist only during an online session and disappear from your device when you close your browser or turn off your device. We use session cookies to process your online transactions and requests and verify your identity, after you have logged in, as you move through our Services.
Persistent cookies track aggregate and statistical information about user activity, and display advertising on sites provided by other entities. These cookies remain on your device after you have closed your browser or turned off your device.
Ruby may set cookies on (i) www.ruby.com and other websites we own or operate (the “Site”), (ii) our live chat, visitor tracking, mobile applications, customer portals and dashboards, and other software we offer (collectively, the “Software”), as well as our (iii) digital properties, applications, social network and other channels hosted on third party websites or platforms (together, with the Site and Software, the “Services”). We may also place cookies in the emails we send to track when the email is opened. The Services and our HTML emails may also contain small transparent images called “web beacons” or “pixels” that provide us with tracking statistics.
We use both first party cookies, meaning cookies that originate from Ruby, as well as third party cookies, meaning cookies that originate from a third-party hosting company. We are not responsible for how third party cookies behave or may change from time to time. Third party cookies and similar technologies are governed by each hosting company’s specific privacy notice. You can control how cookies interact with your browser as described in Controlling Cookies below.
Cookie Consent Banner. You may see a cookie consent banner on the Site that lists the categories of cookies we use and provides the option to accept or reject different types of cookies. When you consent to cookies on our cookie consent banner, Ruby may set cookies on the Site in correspondence with your selections. You may adjust your cookie selections at any time in the Privacy Preference Center, and we will display the cookie consent banner to you periodically.
North American Visitors. If you visit the Site from an IP address indicating that you are located in North America, you indicate your acceptance to all cookie types by clicking to accept on the cookie consent banner or by clicking through to another page on the Site. You may opt-out of some or all cookies that are not strictly necessary by adjusting your preferences via the Privacy Preference Center.
Visitors Outside North America. If you visit the Site with an IP address indicating that you are located outside of North America, we will assume that you only consent to receive cookies strictly necessary for the Site to function unless you click to accept all cookie types on the cookie consent banner or consent to additional categories of cookies via the Privacy Preference Center.
Browser Settings. Most web browsers automatically accept cookies. If you prefer, you can edit your browser options to block or disable cookies. You can also adjust your browser settings to notify you when you are sent a cookie. Most browsers offer a Help tool that will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. You can also install third-party plugins to control cookie behavior.