Gainbridge Insurance Agency, LLC, a Delaware limited liability company (“Gainbridge®”, “we”, “us” or “our”), is a digital insurance agency platform and wholly owned subsidiary of Group 1001 Insurance Holdings, LLC (“Group1001”). Group1001™ is an insurance holding company in the United States. This online Privacy Policy explains how we and our business partners and affiliates may work with, collect, use, share and protect information in relation to this website and any associated mobile applications or online services, and any content or information contained therein (this "Site"), and your choices about the collection and use of your information. This Site may contain links to other web sites and this Privacy Policy does not apply to those sites. If you link to those sites, we recommend that you review those sites' privacy policies.

Consistent with this Site's Terms & Conditions, this Privacy Policy applies to all visitors, users, and others who access this Site ("User", “you” or “your”). We may modify or update this Privacy Policy from time to time, so please review it periodically. We may provide you additional forms of notice of modifications or updates as appropriate under the circumstances. Your continued use of this Site after any modification to this Privacy Policy will constitute your acceptance of such modification.

In addition to this Privacy Policy, your relationship with us may be governed by additional privacy policies you have agreed to as an insurance agent, business partner, customer or contract holder, or in another capacity, particularly with respect to any products or services offered by us, our business partners or affiliates. For example, we will observe more restrictive practices than those described in this Privacy Policy with respect to your personal information where required by law or in other contractual obligations.

This Site will collect personal information that you voluntarily provide. This Site may also collect information on preferences, such as which pages on this Site you visit and certain technical information on your computer and operating system. Specifically, we may collect the following types of information:

Information you provide directly:

• Any username and password information provided for Site registration and login.
• Your name, contact and other user information you may provide (e.g., address, phone number, email), such as when registering on this Site, accessing or updating your account, performing transactions, or otherwise communicating with us.
• Any content (e.g., photos, comments, and other materials) that you provide to this Site, along with any information you provide about yourself or the content (collectively, "User Content").
• Communications between you and us. For example, we may send you emails regarding our products or services, your account information, this Site, or technical and security notices. Note that you may not be able to opt out of certain Site- or account-related e-mails.
• We recommend that you do not send any confidential or sensitive personal information to us via nonsecure methods of communication, including via public electronic communication channels, such as Internet e-mail, which are generally not secure. We are not responsible for any use of such insecure communication channels.

Cookies and similar technologies:

• When you visit this Site, we may use cookies and similar technologies like pixels, web beacons, and local storage to collect information about how you use this Site and provide features to you.
• We may ask advertisers or other partners to serve ads or services to your devices, which may use cookies or similar technologies placed by us or such third parties.
• You may be able to set your browser or device to prompt you before you accept a cookie, accept cookies automatically or reject all cookies. However, if you choose not to accept cookies from this Site, you may not be able to access and use all or parts of this Site or benefit from the information and services which it offers.

Analytics information:

• We may use third-party analytics tools to help us measure traffic and usage trends for this Site. These tools collect information sent by your device or this Site, including the web pages you visit, how much time you spent on a page, how you reached our website, add-ons, and other information that assists us in improving this Site. We also log the details of your visits to this Site and information generated in the course of using our Site, such as mouse movements, clicks, page visits, texted entered, how long you spent on a page, and other details of your actions on our website. We collect and combine this information with similar analytics data from other Users so that it cannot reasonably be used to identify any particular individual User.
• For example, we use Google Analytics, Google Tag Manager, Customer Match, and Full Story to learn more about the types of users that visit the Site, how they use the Site, to help us make improvements to enhance your interaction with our Site, and to provide us with certain data regarding the demographics of the users who visit the Site. To provide this service, these organizations may collect certain information about you from your computer, including through the use of cookies. Such information may include information regarding your visit (such as the pages you visit and the length of your visit), information about your device (such as your IP address), how you got to the Site, and other information about you. You can learn more about Google Analytics and how it collects and processes data by visiting: www.google.com/policies/privacy/partners/. You can opt-out of Google Analytics by using the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout/. You can learn more about FullStory and how it collects and processes data by visiting: https://www.fullstory.com/legal/privacy-policy/. You can opt-out of FullStory by visiting: https://www.fullstory.com/optout/.
• Please note that Google and other third parties (including, for example, advertising networks and providers of external services, like web traffic analysis services) may also use cookies as a result of you visiting other websites that are not operated by us, over which we have no control.

Log file information:

• Log file information may be automatically reported by your browser to our servers each time you make a request to access (i.e., visit) this Site. It can also be provided when the content of this Site is downloaded to your browser or device.
• When you use this Site, our servers may automatically record certain log file information, such as your web request, Internet Protocol ("IP") address, browser type, referring / exit pages and URLs, number of clicks and how you interact with links on this Site, domain names, landing pages, pages viewed, and other such information. We may also collect similar information from emails sent to our Users which then help track which emails are opened and which links are clicked by recipients. The information allows for more accurate reporting and improvement of this Site.

Metadata:

• Metadata is technical data associated with User Content. For example, metadata can indicate how, when and by whom a piece of User Content was collected and how that content is formatted. Metadata associated with certain types of User Content, such as pictures, may also include location information about where the User Content was recorded (i.e. geotags).

We may use your Personal Information received through this Site for the following purposes:

• Provide our products or services;
• Help you efficiently access and manage your information, provide you with customer support, and perform other functions described to you at the time of collection;
• Remember certain information so you will not have to re-enter it during your visit or the next time you visit this Site;
• Provide personalized content and information to you and others, which could include various forms of marketing;
• Provide, improve, test, and monitor the effectiveness of this Site;
• Enforce or exercise any rights in this Site's Terms & Conditions;
• Develop and test new products, services or features;
• Monitor metrics such as total number of visitors, traffic, and demographic patterns; or
• Diagnose or fix technology problems.

We will not rent, sell or share your personal information to third parties, including business partners and affiliates, without your consent, except as noted in this Privacy Policy or as permitted in your other contractual relationships with us.

• Parties with whom we may share your information:
• We may share User Content and your information (including but not limited to, information from cookies, log files, metadata and usage data) with third-party organizations that help us provide this Site or other products or services to you ("Service Providers"). Service Providers will be given access to your information as is reasonably necessary to provide this Site or other products or services under reasonable confidentiality terms.
• Where contractually and legally permitted, we may share certain information such as cookie data with third-party advertising partners. This information would allow third-party ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you.
• We may remove parts of data that can identify you and share anonymized data with other parties. We may also combine your information with other information in a way that it is no longer associated with you and share that aggregated information.
• Parties with whom you may choose to share your User Content:
• Any information (e.g., name) or content (e.g., picture) that you voluntarily share or disclose for public posting to this Site (such as in a Site user forum) becomes available to the public.
• What happens in the event of a change of control:
• If we are acquired or transfer part or the whole of our assets to another organization, your personal information and any other information collected through this Site may be among the items transferred. The buyer or transferee will have to honor the commitments we have made in this Privacy Policy.
• Responding to legal requests and preventing harm:
• We may access, preserve and share your information in response to a legal request (like a search warrant, court order or subpoena) if we have a good faith belief that the law requires it to do so. We may also access, preserve and share information when it has a good faith belief it is necessary to: detect, prevent and address fraud and other illegal activity; to protect us, you and others, including as part of investigations; and to prevent death or imminent bodily harm. Information we receive about you may be accessed, processed and retained for an extended period of time when it is the subject of a legal request or obligation, governmental investigation, or investigations concerning possible violations of our terms or policies, or otherwise to prevent harm.

Storage and Processing:

• Gainbridge uses commercially reasonable safeguards to help keep the information collected through this Site secure and takes reasonable steps to protect your personal information. However, Gainbridge cannot ensure the security of any information you transmit to Gainbridge or guarantee that information stored on this Site may not be accessed, disclosed, altered, or destroyed.
• You agree that Gainbridge may communicate with you electronically regarding security, privacy, and administrative issues, such as security breaches. Gainbridge may post a notice on this Site if a security breach occurs. Gainbridge may also send an email to you at the email address you have provided. You may have a legal right to receive this notice in writing.
• Please do your part to help us. You are responsible for maintaining the secrecy of any non-public information that you provide (e.g., username and password), accessing this Site or your account only from a secure computer or device and a secure network connection, and for controlling access to emails between you and us, at all times. Your information may also be affected by your use of social media services (e.g., Facebook, Twitter) that may be featured on this Site (e.g., social links), or by social media services that you are connected with when accessing this Site. We are not responsible for the functionality, privacy, or security measures used by you or other organizations.

Your account information and profile/privacy settings:

• Unsubscribe from email communications from us by clicking on the "unsubscribe link" provided in such communications. As noted above, you may not opt out of certain Site- or account- related communications (e.g., account updates, transaction confirmations, technical and security notices).
• If you have an online account on this Site, you may have the ability to review and update some of your personal information online by logging into your account.
• Contact us with any inquiries about your personal information on this Site. Applicable privacy laws may provide you with the right to access and/or request the correction of errors or omissions in your personal information. We will respond to inquiries and requests within the time allowed by applicable privacy laws and will make every effort to respond as accurately and completely as possible. In certain exceptional circumstances or for security reasons, we may not always be able to provide access or changes to certain personal information.

Users of this Site shall be bound by all applicable Federal laws of the United States of America, as well as any applicable laws of the state in which you may reside, or where you purchase any products or services from us, if applicable.

The appropriate U.S. federal or state court shall have exclusive jurisdiction for any action or dispute arising out of this agreement or Site.

WHERE PERMITTED UNDER THE APPLICABLE LAW, YOU AND GAINBRIDGE® AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. Unless both you and Gainbridge® agree, no arbitrator or judge may consolidate more than one person's claims or otherwise preside over any form of a representative or class proceeding.

If any of these Terms & Conditions is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Terms & Conditions will remain in effect.

We do not knowingly collect or solicit any information from anyone under the age of 13 (or another age, as may be provided for in our companion jurisdiction-specific privacy policies), or knowingly allow such persons to register for this Site. This Site and its content are not directed at children under the age of 13. In the event that we learn that we have collected personal information from a child under age 13 without parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us using the contact information provided below.

Some web browsers offer a Do Not Track ("DNT") setting that can signal websites or services that the user does not want certain information about webpage visits collected over time and across websites or online services. Irrespective of DNT signals, we handle all user information consistent with our Terms & Conditions and this Privacy Policy.

We are not responsible for the practices employed by any websites or services linked to or from this Site, including the information or content contained within them. Please remember that when you use a link to go from this Site to another website or service, this Privacy Policy does not apply to those third-party websites or services. Your browsing and interaction on any third-party website or service, including those that have a link on this Site, are subject to that third party's own rules and policies. In addition, you agree that we are not responsible and do not have control over any third-parties that you authorize to access your User Content or personal information. If you are using a third-party website or service and you allow them to access your User Content or personal information, you do so at your own risk.

If you have any questions regarding this online Privacy Policy or our privacy- related practices, please contact us by phone (866) 252 9439, or by mail at:

Attn: Website Administrator, Gainbridge®, 10555 Group 1001 Way, Zionsville, IN 46077

The effective date of this Privacy Policy is July 1, 2023.

The Personal Information We Collect and Disclose
The list below shows the categories of Personal Information we collect or may collect; examples of the type of Personal Information in each category; all types of sources from which each category of Personal Information is collected; the business purpose(s) for which that category of Personal Information is collected; and all types of third parties with whom that category of Personal Information is shared. As this list shows, we disclose certain Personal Information to third parties for a business purpose. We also sell certain Personal Information to third parties. We do not sell the personal information of minors under 16 years old without affirmative authorization. This information covers the past 12 months.

Categories of Personal Information

Unique Identifiers (Examples: Name, signature, address, telephone number, email addresses, account name, SSN, DL number, date of birth, passport number, online identifier, IP address)

• Types of Sources from which this Category of Personal Information Is Collected: We collect information from several different sources including directly from you, information entered on our website, search engines, social media platforms, marketing platforms (e.g. Mailchimp), cloud service providers, analytics providers, and external vendor platforms.
• Business Purpose(s) for Collection: Authenticating your identity and/or your access to an account; Initiating, facilitating, processing, and/or executing transactions; Responding to your requests and questions; Communicating with you regarding your account or any Services you use; Performing creditworthiness, fraud prevention or other similar reviews; Evaluating applications; Comparing information for accuracy and verification purposes; Managing our business and protecting ourselves, you, other persons, and the Services; Providing a personalized experience and implementing your preferences; Better understanding our customers and how they use and interact with the Services; Complying with our policies and obligations, government orders, legal advice or legal process; Establishing, exercising or defending our legal rights where it is necessary for our legitimate interests or the legitimate interests of others; Resolving disputes, collecting fees, or troubleshooting problems; and Providing customer service to you or otherwise communicating with you.
• Types of Service Providers and Third Parties with Whom this Category of Personal Information Is Sold and/or Disclosed: We disclose this Personal Information to our Service Providers, identify verification platforms, encryption platforms, and marketing platforms. We also disclose this Personal Information to our affiliates, financial institutions, and business partners. We share phone numbers and email addresses with marketing platforms, including third parties who provide advertising services.

Government ID Number (Examples: Social Security number, passport number, driver’s license or state identification card number)

• Types of Sources from which this Category of Personal Information Is Collected: We collect information from several different sources including directly from you, information entered on our website, search engines, social media platforms, cloud service providers, analytics providers, identity verification programs, cloud integration providers, and external vendor platforms.
• Business Purpose(s) for Collection: To evaluate a business relationship with you; to run a credit check; and to verify your identity.
• Types of Service Providers and Third Parties with Whom this Category of Personal Information Is Sold and/or Disclosed: We disclose this Personal Information to our external vendors, identify verification platforms, encryption platforms, and marketing platforms. We also disclose this Personal Information to our affiliates, financial institutions, and business partners. We do not sell or share this category of Personal Information.

Financial Information (Examples: Bank account number, credit card number, debit card number, or any other financial information)

• Types of Sources from which this Category of Personal Information Is Collected: We collect information from several different sources including directly from you, information entered and on our website.
• Business Purpose(s) for Collection: To evaluate a business relationship with you.
• Types of Service Providers and Third Parties with Whom this Category of Personal Information Is Sold and/or Disclosed: We disclose this Personal Information to our Service Providers, business partners and affiliates. We do not sell or share this category of Personal Information.

Insurance Information (Examples: Insurance policy number)

• Types of Sources from which this Category of Personal Information Is Collected: Directly from you.
• Business Purpose(s) for Collection: To evaluate a business relationship with you.
• Types of Service Providers and Third Parties with Whom this Category of Personal Information Is Sold and/or Disclosed: We disclose this Personal Information to our Service Providers, business partners and affiliates. We do not sell or share this category of Personal Information.

Protected Class Data (Examples: Characteristics of protected classifications under California or federal law, including: age, marital status and sex)

• Types of Sources from which this Category of Personal Information Is Collected: We collect information from several different sources including directly from you, information entered on our website, search engines, social media platforms, cloud service providers, analytics providers, identity verification programs, cloud integration providers, and external vendor platforms.
• Business Purpose(s) for Collection: To evaluate a business relationship with you and verify your identity.
• Types of Service Providers and Third Parties with Whom this Category of Personal Information Is Sold and/or Disclosed: We disclose this Personal Information to our business partners and affiliates. We do not sell or share this category of Personal Information.

Purchase History (Examples: Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)

• Types of Sources from which this Category of Personal Information Is Collected: We collect information from several different sources including directly from you, information entered on our website, search engines, analytics providers and external vendor platforms.
• Business Purpose(s) for Collection: Performing creditworthiness, fraud prevention or other similar reviews; and to evaluate a business relationship with you and verify your identity.
• Types of Service Providers and Third Parties with Whom this Category of Personal Information Is Sold and/or Disclosed: We disclose this Personal Information to our Service Providers, business partners and affiliates. We do not sell or share this category of Personal Information.

Internet Activity (Examples: Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement)

• Types of Sources from which this Category of Personal Information Is Collected: We collect information from several different sources including directly from you, information entered on our website, search engines, social media platforms, marketing platforms (e.g. Mailchimp), cloud service providers, analytics providers, and external vendor platforms.
• Business Purpose(s) for Collection: Authenticating your identity and/or your access to an account; Initiating, facilitating, processing, and/or executing transactions; Responding to your requests and questions; Communicating with you regarding your account or any Services you use; Performing creditworthiness, fraud prevention or other similar reviews; Comparing information for accuracy and verification purposes; Managing our business and protecting ourselves, you, other persons, and the Services; Providing a personalized experience and implementing your preferences; Better understanding our customers and how they use and interact with the Services; Complying with our policies and obligations, government orders, legal advice or legal process; Establishing, exercising or defending our legal rights where it is necessary for our legitimate interests or the legitimate interests of others; Resolving disputes, collecting fees, or troubleshooting problems; and Providing customer service to you or otherwise communicating with you.
• Types of Service Providers and Third Parties with Whom this Category of Personal Information Is Sold and/or Disclosed: We disclose this Personal Information to our external vendors, financial institutions, identify verification platforms, encryption platforms, affiliates and business partners. We share this information with marketing platforms, including third parties who provide advertising services.

Audio (Examples: Audio, or similar information)

• Types of Sources from which this Category of Personal Information Is Collected: We collect and store audio information when you call us.
• Business Purpose(s) for Collection: Responding to your requests and questions; Communicating with you regarding your account or any Services you use; quality control purposes; and to investigate potential fraud.
• Types of Service Providers and Third Parties with Whom this Category of Personal Information Is Sold and/or Disclosed: We do not sell, share or disclose this Personal Information.

Employment Information (Examples: Professional or employment-related information)

• Types of Sources from which this Category of Personal Information Is Collected: We collect information from several different sources including directly from you, information entered on our website, search engines, social media and platforms.
• Business Purpose(s) for Collection: Authenticating your identity and/or your access to an account; Initiating, facilitating, processing, and/or executing transactions; Performing creditworthiness, fraud prevention or other similar reviews; Comparing information for accuracy and verification purposes; and Managing our business and protecting ourselves, you, other persons, and the Services.
• Types of Service Providers and Third Parties with Whom this Category of Personal Information Is Sold and/or Disclosed: We disclose this Personal Information to our Service Providers, financial institutions, identify verification platforms, encryption platforms, and marketing platforms. We also disclose this Personal Information to our affiliates and business partners.

Inferences (Examples: Inferences drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes)

• Types of Sources from which this Category of Personal Information Is Collected: We collect information from several different sources including directly from you, information entered on our website, search engines, social media platforms, marketing platforms (e.g. Mailchimp), cloud service providers, analytics providers, and external vendor platforms.
• Business Purpose(s) for Collection: Authenticating your identity and/or your access to an account; Initiating, facilitating, processing, and/or executing transactions; Responding to your requests and questions; Performing creditworthiness, fraud prevention or other similar reviews; Comparing information for accuracy and verification purposes; Managing our business and protecting ourselves, you, other persons, and the Services; Providing a personalized experience and implementing your preferences; Better understanding our customers and how they use and interact with the Services; and Providing customer service to you or otherwise communicating with you.
• Types of Service Providers and Third Parties with Whom this Category of Personal Information Is Sold and/or Disclosed: We sell and share this Personal Information to our external vendors, financial institutions, identify verification platforms, encryption platforms, and marketing platforms. We also disclose this Personal Information to our affiliates and business partners.

We will not collect a category of Personal Information not listed above, or use any Personal Information collected in any of the above categories for a business purpose not listed above, without first providing you with notice.

Retention of Personal Information

We retain each Personal Information no longer than necessary to fulfill the purposes described in this Privacy Notice, and to comply with applicable laws and regulations. We consider the following criteria when determining how long to retain Personal Information: why we collected the Personal Information; the nature of the Personal Information; the sensitivity of the Personal Information; our legal obligations related to the Personal Information; and the risks associated with retaining the Personal Information.