This Privacy Policy explains how the Institution of the Americas by Rickynomics ("we," "us," or "our") collects, uses, stores, and protects information submitted through this website and related platforms. It applies to visitors of institutionoftheamericas.com and individuals who submit inquiries, subscribe to content, or engage with services offered through this site.

The Institution of the Americas is operated by Ricardo Alonzo, operating from New York and Medellín, Colombia. This site is not operated by or affiliated with any government agency.

By using this website or submitting any form, you acknowledge that you have read and understood this policy.

We collect information only when you voluntarily provide it. This includes:

Contact information such as your name, email address, phone number, and business name, submitted through inquiry forms, consultation requests, or contact pages on this website.

Professional context such as your organization type, industry, country of operation, and the nature of your inquiry, submitted through intake forms.

Subscriber information such as your email address when you sign up for newsletters or content updates through this website or connected platforms including Substack and Patreon.

Payment information when purchasing courses or subscription products. Payment transactions are processed through third-party providers. We do not store credit card numbers or banking information on our servers.

Usage data such as pages visited, time on site, and general location data collected automatically through website analytics tools embedded in the Squarespace platform. This data is aggregated and not linked to individual identities.

Information you provide is used for the following purposes:

To evaluate and respond to inquiry and intake submissions. Submitting a form does not create an advisory, legal, or contractual relationship. We use submitted information to determine whether an engagement may be appropriate and to follow up accordingly.

To communicate with subscribers and send intelligence briefings, course announcements, and research updates to individuals who have opted in to receive them.

To process course enrollments and subscription payments through third-party platforms.

To improve website content and user experience based on aggregated usage data.

We do not sell, rent, or share your personal information with third parties for marketing purposes. We do not use your information to build advertising profiles or participate in data brokerage.

This website operates alongside and connects to the following third-party platforms. Each platform governs its own data practices:

Squarespace hosts this website. Squarespace collects standard technical and usage data as described in its privacy policy at squarespace.com/privacy.

Google Forms and Google Workspace are used to collect inquiry and intake submissions. Information submitted through Google Forms is stored in Google's systems in accordance with Google's privacy policy at policies.google.com/privacy.

Substack hosts the Institution of the Americas newsletter. Subscribers to the Substack publication are subject to Substack's privacy policy at substack.com/privacy.

Patreon hosts the Rickynomics supporter community. Members of the Patreon page are subject to Patreon's privacy policy at patreon.com/privacy.

Stripe and other payment processors handle financial transactions for course and subscription purchases. Payment data is governed by the respective processor's privacy policy and is not stored by us.

We are not responsible for the data practices of third-party platforms. If you have questions about how those platforms handle your data, review their respective policies directly.

Do not submit classified information, export-controlled information, legally privileged communications, personal identification numbers, financial account numbers, or any information you are legally prohibited from disclosing through a public-facing web form.

We are not equipped to receive, store, or protect sensitive or classified information. Any such information submitted through this website is received without any confidentiality obligation and should not be submitted.

Ricardo Alonzo holds an active real estate license and mortgage loan originator license in New York. Communications related to real estate transactions and mortgage services are subject to applicable New York State licensing requirements and disclosure obligations. If you are engaging with Ricardo Alonzo in his capacity as a licensed real estate agent or loan officer, separate disclosures required under New York law apply and will be provided at the appropriate stage of that engagement.

This website is not operated in the capacity of a licensed real estate brokerage or mortgage company. Content published on this site does not constitute real estate advice, mortgage advice, or financial advice.

The analytical content, reports, and advisory services offered through the Institution of the Americas are provided for informational and decision-support purposes only. Nothing on this website constitutes legal advice, investment advice, licensed financial advice, or government-issued intelligence. All analysis is based on open-source and publicly available information unless otherwise specified in a written engagement agreement.

We retain inquiry and intake submissions for a reasonable period to evaluate potential engagements and to maintain records of communications. Subscriber email lists are maintained for as long as a subscription remains active or until a subscriber requests removal. You may request deletion of your personal information at any time by contacting us using the information below.

You have the right to request access to personal information we hold about you. You have the right to request correction of inaccurate information. You have the right to request deletion of your personal information, subject to any legal obligations that require us to retain certain records. You have the right to unsubscribe from any email communications at any time using the unsubscribe link in any email or by contacting us directly.

If you are located in California, Colombia, the European Union, or another jurisdiction with specific privacy rights under applicable law, you may have additional rights. Contact us to exercise those rights.

This website uses standard web technologies including cookies and analytics tools embedded by Squarespace. These tools collect aggregated data about how visitors use the site. You may adjust your browser settings to restrict or block cookies, though doing so may affect the functionality of certain pages.

We do not use cookies for cross-site tracking, behavioral advertising, or third-party data sharing.

We take reasonable precautions to protect information submitted through this website. However, no internet transmission is completely secure. We cannot guarantee the security of information transmitted to or from this site and recommend that you avoid submitting sensitive information through any web form.

This website is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has submitted information through this site, contact us and we will remove it promptly.

We may update this Privacy Policy as our operations or applicable law changes. The date at the top of this page reflects the most recent revision. Continued use of this website after a policy update constitutes acceptance of the revised terms.

For questions about this Privacy Policy or to exercise any of your data rights, contact us through the inquiry form on this website at institutionoftheamericas.com/consultation or by submitting a written request through the contact page.