THRIVE IMO PRIVACY POLICY

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Effective Date: May 2025


Thrive IMO (“Company,” “we,” “us,” or “our”)

1. Overview

Thrive IMO collects, uses, and shares personal information when individuals interact with our website, submit forms, request information, or engage in agent onboarding and contracting processes. This Privacy Policy explains how we handle that information and the conditions under which it may be used or disclosed. By submitting your information to Thrive IMO, you acknowledge that you have read and agree to the practices described in this Privacy Policy.

2. Information We Collect

We collect personal information that you voluntarily provide when you submit forms, request information, or communicate with us. This may include your name, phone number, email address, and any other information you choose to provide.

If you engage in agent onboarding or contracting discussions, we may also collect professional licensing and credentialing information, including your National Producer Number (NPN), insurance license details, states of licensure, carrier appointments, and related compliance or business information. You authorize us to collect, store, and verify this information as needed to facilitate insurance-related business activities.

We may also collect technical data such as IP address, browser type, device information, website usage behavior, and referral data. Additionally, we may receive information from third-party sources including lead generation platforms, insurance carriers, marketing partners, and other data providers.

3. Use of Information

We use personal information for legitimate business purposes, including responding to inquiries, providing information about insurance-related products and services, facilitating introductions to insurance carriers and partners, evaluating eligibility for contracting opportunities, and managing ongoing business relationships.

We may also use information for marketing, advertising, analytics, operational improvement, and compliance with legal, regulatory, or contractual obligations.

4. TCPA Consent to Contact (Telephone, SMS, Email)

By submitting your information through this website or any affiliated form, you expressly consent and agree that Thrive IMO, including its representatives, affiliates, agents, contractors, and business partners, may contact you at the telephone number and email address you provide.

Such contact may include telephone calls, SMS/text messages, and email communications, and may be conducted using automated dialing systems, prerecorded voice messages, or other automated technologies where permitted by law. These communications may be used for marketing purposes, informational purposes, service-related updates, insurance product offerings, carrier opportunities, and agent onboarding or business development.

You acknowledge that consent is not required as a condition of purchasing any goods or services. You further agree that your consent applies even if your telephone number is listed on any federal or state Do Not Call registry, to the extent permitted by law, and that you may revoke consent at any time using the opt-out methods provided in this Privacy Policy.

5. Sharing of Information

We may share your personal information with third parties as part of our normal business operations. This includes insurance carriers, underwriting companies, lead generation platforms, marketing partners, CRM and communication providers, technology vendors, and other affiliated business partners who assist in providing services.

We may also disclose information when required to comply with legal obligations, regulatory requirements, court orders, or governmental requests, or when necessary to protect our rights, property, safety, or the rights of others.

6. Third-Party Platforms and Carriers

Thrive IMO works with independent third-party platforms, vendors, and insurance carriers. These third parties operate independently and maintain their own privacy policies and terms of service. We are not responsible for the privacy practices or data handling procedures of these third parties.

Once your information is shared with a third party, it is governed by that third party’s policies and practices.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, to maintain business operations and relationships, to support carrier or agent-related activities, and to comply with legal, regulatory, and contractual obligations.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your information. However, no system of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Your Privacy Rights (State Law Notice – Including California)

Depending on your state of residence, you may have certain rights regarding your personal information. For example, residents of California and other states with privacy laws may have the right to request access to the personal information we collect, request deletion of certain information, or request information about how their data is used and shared.

Where applicable, we will comply with all state privacy laws, including California’s Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), which provides additional rights regarding personal information and requires transparency in data practices. We do not discriminate against users for exercising any privacy rights granted under applicable law.

10. Your Choices and Opt-Out Rights

You may opt out of marketing communications at any time by following unsubscribe instructions in emails, replying “STOP” to text messages where applicable, or contacting us directly. Even after opting out of marketing communications, you may still receive transactional or service-related communications.

11. Children’s Privacy

Our services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from minors. If we become aware that such information has been collected, we will delete it promptly.

12. International Use

If you access our services from outside the United States, you acknowledge that your information may be transferred to and processed in the United States or other jurisdictions where we or our service providers operate.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted with a revised effective date. Continued use of our services after updates constitutes acceptance of the revised Policy.

14. Contact Information

If you have any questions about this Privacy Policy or our data practices, you may contact Thrive IMO using the contact information provided on our website.