Privacy Policy

Last updated: February 16, 2026

1. Introduction

RAF Revenue ("we," "us," or "our"), a product of VBC Risk Analytics, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.rafrevenue.com and use our Medicare Advantage revenue modeling tools and services.

2. Information We Collect

2.1 Personal Information You Provide

When you interact with our website, you may voluntarily provide personal information, including:

  • Contact Information: First name, last name, email address, phone number, and organization name submitted through our contact form.
  • Demo Requests: Information provided when scheduling a platform demonstration.
  • Account Information: Credentials and profile details if you create an account on our platform.

2.2 Automatically Collected Information

When you visit our website, we may automatically collect certain information, including:

  • Device Information: Browser type, operating system, device type, and screen resolution.
  • Usage Data: Pages visited, time spent on pages, referring URLs, and click patterns.
  • IP Address: Your internet protocol address for analytics and security purposes.
  • Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience and gather analytical data.

2.3 Calculator and Modeling Data

When you use our RAF Revenue Calculator or other modeling tools, the input data (such as RAF scores, member counts, and contract parameters) is processed in your browser and is not transmitted to or stored on our servers unless you explicitly choose to save or share results through the platform.

3. How We Use Your Information

We use the information we collect for the following purposes:

  • Service Delivery: To provide, operate, and maintain our website and modeling tools.
  • Communication: To respond to your inquiries, send requested information, and provide customer support.
  • Improvement: To understand how users interact with our tools so we can improve functionality and user experience.
  • Marketing: To send relevant product updates, newsletters, or promotional materials (only with your consent, and you may opt out at any time).
  • Security: To detect, prevent, and address technical issues, fraud, and unauthorized access.
  • Legal Compliance: To comply with applicable laws, regulations, and legal processes.

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following limited circumstances:

  • Service Providers: With trusted third-party vendors who assist us in operating our website and services (e.g., hosting, analytics, email delivery), subject to confidentiality obligations.
  • Affiliated Entities: With VBC Risk Analytics and its affiliated entities for business operations and service delivery.
  • Legal Requirements: When required by law, court order, or governmental regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
  • Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets.

5. Data Security

We implement industry-standard security measures to protect your personal information, including:

  • SSL/TLS encryption for all data transmitted between your browser and our servers.
  • Secure data storage with access controls and encryption at rest.
  • Regular security assessments and vulnerability monitoring.
  • Employee access limited to personnel who require it for their job responsibilities.

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Cookies and Tracking Technologies

Our website uses the following types of cookies:

  • Essential Cookies: Required for the website to function properly (e.g., session management).
  • Analytics Cookies: Help us understand how visitors interact with our website (e.g., Google Analytics via Google Tag Manager).
  • Functional Cookies: Remember your preferences and settings to enhance your experience.

You can control cookie preferences through your browser settings. Disabling certain cookies may affect website functionality.

7. Third-Party Services

Our website may integrate with or link to third-party services, including:

  • Google Tag Manager / Google Analytics: For website traffic analysis and performance monitoring.
  • Calendly: For scheduling platform demonstrations.

These third-party services have their own privacy policies. We encourage you to review their policies before providing any personal information.

8. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

  • Access: Request a copy of the personal information we hold about you.
  • Correction: Request correction of inaccurate or incomplete personal information.
  • Deletion: Request deletion of your personal information, subject to legal retention requirements.
  • Opt-Out: Unsubscribe from marketing communications at any time by clicking the unsubscribe link in any email or contacting us directly.
  • Data Portability: Request a copy of your data in a structured, machine-readable format.

To exercise any of these rights, please contact us using the information in Section 11.

9. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including satisfying legal, accounting, or reporting requirements. Contact form submissions are retained for up to 24 months unless you request earlier deletion.

10. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will promptly delete such information.

11. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically for any changes. Your continued use of our website after changes are posted constitutes your acceptance of the revised policy.