Privacy Policy
Last updated: 2026-08-04
This page explains what we collect, why we collect it, who sees it, how long we keep it, and what you can ask us to do with it. We have tried to write it so you can read it once and understand it.
The short version. We ask for very little. We never ask for your Social Security number, your account numbers, your broker login, or your bank details, and we do not want them. We do not sell your data. We do not run advertising or analytics trackers. One cookie keeps you logged in. Email is used for one thing only, which is checking that your email address is real.
1. Who this policy covers
This policy is from Ohey Inc, the company behind the RingMaster product. It covers oheyinc.com and the RingMaster website. Ohey Inc is based in the United States, our service is offered to people in the United States, and the data we hold is stored on servers in the United States.
Questions or requests go to [email protected].
2. What we collect
This is the full list of what we ask you for.
| What | Why we need it |
|---|---|
| Your name | To identify your account, and to keep the records an investment adviser is required to keep. |
| Your date of birth | To confirm you are at least 18, and because age is relevant to whether a portfolio is a sensible fit. |
| Your country and state | Because where you live decides which rules apply to us and whether we may serve you at all. |
| Your email address | To create your login and to send you one verification message. See section 4. |
| Your questionnaire answers: goal, risk tolerance, time horizon, largest loss you could live with, experience, whether your broker account can short, and a broad band for your account size | These are the only inputs the software uses to decide which model portfolio you are shown. Without them there is no product. |
What we do not collect
We do not ask for and do not hold your Social Security number or any government identifier, your brokerage or bank account numbers, your broker or bank login details, your card details, your exact account balance, or the trades you actually place. We have no connection to your broker.
Technical records
Like any website, our servers keep basic technical records of requests, such as the internet address a request came from, the time of it, and the type of browser used. These exist to keep the site running and to spot abuse. We do not use them to build a profile of you, and we do not share them with advertisers.
3. Why we are allowed to hold it, in plain terms
We hold your information for three reasons, and no others:
- To give you the thing you asked for. You gave us the answers so the software could map you to a model portfolio and explain the reasoning. That is us doing what our agreement with you says we will do.
- Because the law tells us to keep records. An investment adviser has to keep books and records, and we keep our records to that standard.
- Because we have a plain and limited interest in running a safe service. That covers security, fraud prevention, and keeping the site up.
You give us these details voluntarily. You can decline, and if you do, we simply cannot show you a mapped portfolio.
4. Email
We send email for ONE purpose: to verify that the address you gave us is yours. There is no newsletter. We do not send marketing email, we do not send promotional email, and we do not add you to a mailing list. If we ever want to change that, we will ask you first and you will have to opt in.
Necessary account and service messages, such as a password reset you asked for or a notice that these terms have changed, are not marketing and may still be sent.
5. Who sees your information
The list is short and we intend to keep it short.
- People at Ohey Inc who need it to run the service, and only them.
- Our hosting provider, which stores the data on our behalf under a contract that stops them using it for their own purposes.
- Our email delivery provider, which sends the single verification message. It receives your email address for that purpose only.
- Regulators, courts and law enforcement, where the law requires it, or where a regulator with authority over us asks for our records. The SEC can inspect the records of an investment adviser, and your file may be part of that.
- Professional advisers, such as our lawyers or auditors, under a duty of confidence, when they need it to advise us.
Payments are handled by Stripe, our payment processor. Card details go directly to Stripe and never touch our servers; we see only the subscription status Stripe reports back.
If Ohey Inc is ever sold or merged, your information may pass to the buyer as part of the business. We would tell you, and the buyer would be bound by this policy until you were told otherwise.
6. We never sell your data
We do not sell your personal information. We do not rent it, trade it, or share it for anyone else's advertising. We do not take money from anyone for access to you. There is no ad network, no data broker, and no third party analytics service on this site.
7. How long we keep it
- Advisory books and records: five years. SEC rules require an investment adviser to keep certain books and records for five years, with the first two years in an easily accessible place. That covers the profile that produced a portfolio, the portfolio you were shown, and the communications that go with it. We follow that standard.
- Your account details are kept while your account is open. If you close your account, we delete what we can and keep only what the recordkeeping rules above require.
- Technical server records are kept for a short period, long enough to investigate a security problem, and then discarded.
To be straight with you: if a record is one the securities rules make us keep, we cannot delete it on request, even if you ask. We will tell you plainly when that is the case.
8. Security
Information travels to us over an encrypted connection. Access inside the company is limited to the people who need it. Passwords are stored in a hashed form, which means we cannot read yours. The strongest protection is the one built into the design: we do not collect the sensitive things, so there is very little here to steal.
No system is perfect, and we will not pretend otherwise. If a breach happens that affects you, we will tell you, and we will tell you what we know and what we are doing about it.
9. Cookies
We use ONE cookie. It is a session cookie that keeps you logged in while you use the site. It carries no advertising identifier and it does not follow you to other websites. It ends when your session ends or when you log out.
We do not use advertising cookies, third party cookies, pixels, fingerprinting, session recording, or analytics trackers. Because the only cookie we set is strictly necessary to log you in, there is no cookie banner to click through.
10. Your rights
Whatever state you live in, we offer all of the following to everyone:
- See it. Ask us for a copy of what we hold about you.
- Fix it. Tell us something is wrong and we will correct it. You can also edit your questionnaire answers yourself.
- Delete it. Ask us to delete your information. We will, except for records the securities rules require us to keep, and we will tell you exactly what we had to keep.
- Take it with you. Ask for your information in a common, machine readable file.
- Close your account. At any time, for any reason, with no need to explain.
- Object. Tell us you are unhappy with how we are handling your information, and we will look into it and reply.
To use any of these, write to [email protected]. We aim to reply within five business days and to finish the work within thirty days. We may need to check that the request really came from you. We will never charge you for a request, and we will never treat you worse for making one.
11. Children
The service is for adults. It is not directed at anyone under 18, and we do not knowingly collect information from anyone under 18. If we learn that we have, we will delete it.
12. Changes to this policy
If we change this policy we will post the new version here with a new "last updated" date. If a change matters to you, and we have your email address, we will tell you. We will not make a change that widens how we use your information and apply it backwards without asking you first.
13. Contact and complaints
Write to [email protected]. If we cannot resolve a privacy complaint to your satisfaction, you may raise it with your state attorney general or another regulator with authority over us.