Privacy Policy for Vagabond Visions Studio / Brian Ragle
Last Updated: 21 November 2025
Vagabond Visions Studio (“we,” “us,” “our”) is committed to protecting your privacy across all aspects of our work, including journalism, photography, videography, app development, and related digital services. We handle personal data with care, transparency, and respect, and we do not sell, trade, or misuse your information. We collect and retain only what is necessary, and only with your explicit knowledge and consent.
This Privacy Policy explains what information we collect, how we use it, and the choices you have regarding your data.
1. Information We Collect
We collect information in only a few limited contexts:
1.1 Website Visitors
When you visit our website, standard server logs may automatically collect:
IP address
Browser type and version
Operating system
The pages you access
Time and date of your visit
This information is used strictly for security, performance, and analytics purposes.
We do not use invasive tracking, profiling, or third-party behavioral advertising tools.
1.2 Photography, Journalism, and Interview Work
In the course of professional assignments, we may collect:
Names
Contact information
Interview statements
Images, audio, or video recordings
Voluntary background information relevant to a story or project
We collect this information only with your explicit consent and use it exclusively for the agreed-upon journalistic, documentary, or artistic purpose.
1.3 Mobile Apps
Our mobile applications, including Credit Reality Check, are designed to perform all calculations and operations locally on your device.
We do not:
Collect personal data
Store financial inputs
Transmit usage data
Use analytics or tracking SDKs
Require accounts or logins
Access your contacts, files, or device identifiers
Any data you enter into the app stays solely on your device and never reaches our servers.
2. How We Use Your Information
We use collected information only for:
Operating and maintaining our website
Responding to messages or inquiries
Performing photography or journalism assignments
Creating or publishing editorial content (with consent)
Fulfilling any contract or agreement you authorize
Maintaining security and preventing abuse
We do not use your information for automated decision-making or behavioral profiling.
3. How We Share Information
We do not share, sell, or license personal information to any outside party except:
With your explicit permission, for example:
Publishing interviews or quotes you have approved
Publishing photographs you consented to
Delivering files or services you requested
When legally required, such as:
Responding to subpoenas
Complying with local, state, or federal law
Protecting rights, safety, or security
We never disclose more information than required.
4. Data Retention
We retain data only for as long as necessary to fulfill the purpose for which it was provided.
Journalism and photography records are kept only as long as needed for the publishing process or archival use, unless you request deletion.
App data is never retained by us.
Website logs are kept for security and performance and are periodically purged.
5. Your Rights
Depending on your location, you may have rights under laws such as the GDPR, CCPA, or similar privacy protections. These rights may include:
Access to your data
Correction of inaccurate information
Request for deletion
Opt-out of data collection
Withdrawal of consent
Request for a copy of your data
To exercise any of these rights, contact us at:
brian.ragle@icloud.com
We will respond promptly and respectfully.
6. Children’s Privacy
We do not knowingly collect or maintain information from children under 13.
If we become aware that we have received such data, we will delete it immediately.
7. Security Practices
We use reasonable technical and procedural safeguards to protect information from unauthorized access, disclosure, or misuse. No online transmission is completely secure, but we take privacy seriously and work to minimize risks.
8. Third-Party Links
Our website or published work may contain links to third-party sites. We are not responsible for their privacy practices and encourage you to review their policies separately.
9. Changes to This Policy
We may update this Privacy Policy as our services evolve. Any changes will be posted on this page with a revised “Last Updated” date.
10. Contact Information
If you have questions about this Privacy Policy or your data, please contact:
Vagabond Visions Studio
Email: brian.ragle@icloud.com
Livingston, Tennessee
**Terms of Service
Vagabond Visions Studio / Brian Ragle**
Last Updated: 21 November 2025
These Terms of Service (“Terms”) govern your access to and use of the websites, services, photography, journalism, applications, and digital products operated by Vagabond Visions Studio (“we,” “us,” “our”). By accessing or using any part of our services, you agree to be bound by these Terms.
If you do not agree to these Terms, do not use our website, apps, or services.
1. Use of Our Website and Services
You agree to use our website and services only for lawful purposes and not for any activity that:
Violates applicable laws or regulations
Infringes on the rights of others
Interferes with the security or operation of our site or services
Attempts to gain unauthorized access to systems, data, or information
We reserve the right to restrict or deny access to anyone who violates these Terms.
2. Journalism, Photography, and Creative Services
When you engage with us for journalism, interviews, photography, videography, or related creative work:
You grant us permission (when explicitly consented) to use media, quotes, or interviews for the agreed-upon purpose.
Usage rights, licensing, and publishing agreements may be clarified through written consent forms or project agreements.
You retain all rights to your likeness, personal data, and proprietary information unless explicitly authorized for use.
We always strive for accuracy, ethical standards, and respectful representation.
3. Mobile Applications
Apps developed and published by Vagabond Visions Studio (including Credit Reality Check) are provided “as is” without warranties of any kind.
We do not collect user data, require accounts, or track behavior.
All calculations and data remain local to the device.
We are not responsible for:
Financial decisions made using the app
Errors arising from user-entered data
Availability of third-party data sources (such as Federal Reserve updates)
4. Intellectual Property
All content on our website and within our services—including text, images, videos, graphics, logos, articles, and applications—is the property of Vagabond Visions Studio unless otherwise noted.
You may not copy, redistribute, modify, or reuse our content without prior written permission, except for personal, non-commercial use or fair-use exceptions.
5. Third-Party Services and Links
Our site or applications may contain links to third-party websites or data sources. We are not responsible for:
The content or accuracy of third-party sites
Their privacy or security practices
Any loss or damage arising from their use
We encourage reviewing the policies of any external sites you visit.
6. Limitation of Liability
To the fullest extent permitted by law, Vagabond Visions Studio is not liable for:
Indirect, incidental, or consequential damages
Loss of data, profits, or business
Errors, interruptions, or inability to access services
Decisions made based on content, journalism, or app calculations
Your use of our services is at your own risk.
7. Indemnification
You agree to indemnify and hold harmless Vagabond Visions Studio from any claims, damages, or liabilities arising from:
Your misuse of our website, apps, or services
Your violation of these Terms
Your infringement of the rights of any third party
8. Changes to These Terms
We may update or modify these Terms at any time. Any changes will be posted on this page with a revised “Last Updated” date. Continued use of our services constitutes acceptance of the updated Terms.
9. Governing Law
These Terms are governed by the laws of the State of Tennessee and applicable U.S. federal law.
10. Contact Information
Questions about these Terms may be sent to:
brian.ragle@icloud.com
**Copyright Notice
Vagabond Visions Studio / Brian Ragle**
© 2026 Vagabond Visions Studio. All Rights Reserved.
All content and materials produced or published by Vagabond Visions Studio—including photographs, videos, written articles, interviews, applications, logos, website content, and all original creative works—are protected under U.S. and international copyright law.
Unless explicitly granted in writing, no part of this material may be:
Copied
Distributed
Reproduced
Modified
Republished
Sold
Stored in a retrieval system
…whether in print, digital, or any other form.
Fair use exceptions may apply for commentary, academic work, criticism, or news reporting, provided appropriate attribution is given.
For licensing requests, professional usage, or publishing permissions, contact:
brian.ragle@icloud.com