Data Privacy Policy

Last Updated: February, 2026

This Data Privacy Policy (“Policy”) describes how the IBN Platform (“Platform,” “we,” “us,” or “our”) collects, uses, discloses, and protects personal information obtained from users through the Platform, including agents, clients, representatives, and other participants (“you” or “your”). This Policy applies to all users of the Platform.

By accessing or using the Platform, you acknowledge that you have read, understand, and agree to the terms of this Policy.

1. Information We Collect

We collect information that you provide directly and information that is collected automatically when you use the Platform.

a. Information You Provide

You may provide the following:

Contact information (name, email, telephone number, mailing address)

Identification information (date of birth, government IDs) when required for licensing or compliance

Professional and licensing data

Client data submitted for insurance or retirement applications
Uploaded documents, photos, and media

Communications and correspondence

b. Automatically Collected Information

When you use the Platform, we may automatically collect:

IP addresses

Browser and device information

Usage and interaction data

Cookies and similar tracking technologies

2. How We Use Your Information

We use information collected through the Platform for the following legitimate business purposes:

Account creation, authentication, and administration

Facilitating licensing, regulatory compliance, and onboarding

Providing operational communications and notifications

Facilitating insurance and retirement product submissions

Scheduling meetings and managing records

Internal reporting, analytics, and system improvement

Training, recognition, and Platform features

We do not sell personal information. Data is used solely to support services provided through the Platform.

3. Legal Bases for Processing (Where Applicable)

For jurisdictions that require it, including under Canadian and certain U.S. privacy laws, we rely on the following legal bases to process personal information:

Performance of a contract

Compliance with legal obligations

Legitimate interests such as system security and fraud prevention

Consent where required by law

4. Disclosure of Information

We may share information only as necessary for:

Compliance with legal or regulatory requirements

Submission of information to insurance carriers and financial institutions

Interaction with licensing and regulatory authorities

Third-party service providers who process information on our behalf

Platform support, communication, and infrastructure partners

Third-party service providers are required to maintain appropriate safeguards and confidentiality.

5. Client Data and Restricted Sharing

Client data collected through forms is used only for the purposes of:

Processing insurance or retirement applications

Communication between clients and their designated agents

Compliance, regulatory filings, and carrier submissions

Client data is not sold, rented, or shared for unrelated purposes. Disclosure is limited to authorized agents, carriers, and regulatory bodies as required.

6. Payment Processors

Payment information is processed by third-party services such as Stripe and PayPal. We do not collect, store, or process full payment card or banking details. These processors operate independently, and their privacy practices apply.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

Enable Platform functionality
Analyze usage and performance

Improve user experience

You may adjust browser settings to refuse cookies, but some Platform features may not function properly without them.

8. Data Retention

Information is retained only as long as necessary to fulfill its intended purposes, comply with legal obligations, resolve disputes, enforce agreements, or as otherwise permitted by law.

9. Access, Correction, and Deletion

Where applicable, users may request:

Access to their personal information

Correction of inaccurate data

Deletion of information (subject to legal and operational limitations)

Requests should be made in writing to Platform Support and will be evaluated and responded to in accordance with applicable law.

10. U.S. and Canadian Users

The Platform may be accessed from the United States, Canada, and other countries. Personal data may be stored or processed in the United States or Canada.

For Canadian users, the collection, use, and disclosure of personal information are governed by applicable federal and provincial privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

By using the Platform, you consent to cross-border processing and transfer of information for legitimate purposes.

11. Security of Information

We implement reasonable physical, administrative, and technical safeguards to protect personal information from unauthorized access, disclosure, alteration, or destruction. However, no online system can be guaranteed fully secure.

12. Children’s Privacy

The Platform is not directed to individuals under the age of 13 (or higher age as required by applicable law). We do not knowingly collect personal information from individuals under this age. If we learn that information of a minor has been collected, we will take steps to delete it.

13. Third-Party Links

The Platform may contain links to external websites or services. We have no control over and are not responsible for their privacy practices. Users should review the privacy policies of such third parties before providing information.

14. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on the Platform with a revised effective date. Continued use of the Platform after changes have been posted constitutes acceptance of the updated Policy.

15. Contact Information

For questions about this Data Privacy Policy or to exercise your rights, contact Platform Support or Operations at:

[Insert Contact Information]

SMS Consent Collection and Use

IBN PLATFORM LLC collects SMS consent through clear and compliant opt-in checkboxes on forms and registration pages. Users are required to actively select an opt-in checkbox before receiving SMS communications.

Consent is collected using separate opt-in options depending on the type of messaging, including:

Non-Marketing (Transactional / Service) SMS Consent

Users may opt in to receive service-related, non-marketing messages such as general inquiries, informational updates, account notifications, service alerts, and support communications by agreeing to the following disclosure:

“By checking this box, I consent to receive non-marketing text messages from IBN Platform about General Inquiry & Information. Message frequency varies, message & data rates may apply. Text HELP for assistance, reply STOP to opt out.”

Marketing and Promotional SMS Consent

Users may separately opt in to receive marketing and promotional messages such as special offers, discounts, product updates, and announcements by agreeing to the following disclosure:

“By checking this box, I consent to receive marketing and promotional messages including special offers, discounts, new product updates among others from IBN Platform at the phone number provided. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out.”

Consent to receive SMS communications is not a condition of purchase. Users may opt out at any time by replying STOP. For assistance, users may reply HELP.