Privacy Policy

Privacy Policy

Last Updated: 2026

This Privacy Policy describes how information is collected, used, stored, disclosed, and protected when you access or use the IBN Platform, including all related websites, forms, portals, tools, communications, and services (collectively, the “Platform”).

By accessing or using the Platform, you acknowledge that you have read, understand, and agree to the practices described in this Privacy Policy.

 No Refunds Policy (Formal & Enforceable)

Refunds and Payments

All payments made through the Platform are final and non-refundable.

The Platform does not offer refunds, credits, chargebacks, or partial reimbursements for any reason, including but not limited to:

Unused services

Canceled participation

Delays in licensing, appointments, or approvals

Regulatory or carrier decisions

User error or change of circumstances

By submitting payment, you acknowledge and agree that you are purchasing access to services, systems, support, and administrative resources, and that no refunds will be issued under any circumstances.

All sales are final. No refunds or credits will be issued.

1. Information We Collect

The Platform may collect the following categories of information:

a. Personal Information

Full name

Email address

Telephone number

Mailing address

Date of birth (when required for licensing or compliance purposes)

Government-issued identifiers (only when required and permitted by law)

b. Professional and Licensing Information

Licensing status and application details

Examination scheduling and results (when voluntarily provided)

Regulatory and compliance-related information
Appointment, contracting, and onboarding records

c. Client Information

Personal, financial, and contact information submitted through forms in connection with insurance, retirement, or financial service applications

Information required to complete carrier submissions, regulatory filings, and compliance obligations

d. Submitted Content

Uploaded documents, forms, and records

Photos, videos, or other media voluntarily submitted

Communications sent through or stored within the Platform

e. Technical and Usage Data

IP address

Browser type and device information

Access times, activity logs, and system usage data

Cookies or similar tracking technologies (where applicable)

2. How Information Is Used

Information collected through the Platform is used solely for legitimate business and operational purposes, including but not limited to:

Onboarding and account administration

Licensing and regulatory support

Facilitating insurance and retirement-related applications

Scheduling appointments and meetings

Sending operational, transactional, and compliance-related communications

Training, education, and recognition initiatives

Internal recordkeeping and system integrity

Improving Platform functionality and user experience

Personal information is not sold.

3. Client Information and Limited Disclosure

The Platform may collect personal and financial information from clients through forms submitted in connection with insurance, retirement, or financial service applications (“Client Information”).

Client Information is collected solely for the purpose of:

Facilitating insurance or retirement-related applications

Supporting communication between clients and their designated agents

Meeting regulatory, compliance, and carrier submission requirements

Client Information is not sold, rented, licensed, or shared for marketing or unrelated purposes.

Client Information is disclosed only as necessary to:

Licensed insurance or financial professionals representing the client

Insurance carriers, financial institutions, or product providers involved in the client’s application

Regulatory or compliance authorities when required by law

Client Information is retained securely within the Platform and is not shared with third parties outside of these limited and specific purposes.

4. Communications and Electronic Consent

By submitting information or using the Platform, you consent to receive electronic communications, including but not limited to:

Email communications

SMS/text messages

Appointment reminders

Licensing, compliance, and administrative notifications

Platform-related announcements

Message frequency may vary. Message and data rates may apply.
You may opt out of SMS communications at any time by replying STOP.
Opting out may limit your ability to receive time-sensitive notifications related to Platform services.

5. Content Use and Recognition

If you voluntarily submit photos, videos, testimonials, or similar materials, you grant permission for such content to be used for:

Recognition and announcements

Marketing and promotional materials

Websites, social media, training, and internal communications

Requests for removal may be submitted in writing and will be reviewed in good faith, subject to legal, regulatory, and operational requirements.

6. Disclosure of Information

Information may be disclosed only as necessary to:

Comply with legal or regulatory obligations

Respond to lawful requests from regulatory authorities

Work with trusted third-party service providers that support Platform operations (such as messaging, scheduling, data hosting, or analytics services)

Protect the rights, safety, and integrity of the Platform and its users

All third-party service providers are required to maintain appropriate confidentiality, security, and data protection standards.

7. Payment Processing and Financial Information

The Platform utilizes third-party payment processors, including Stripe and PayPal, to process payments for services, subscriptions, or fees.

The Platform does not collect, store, or process full credit card numbers, bank account details, or other sensitive payment credentials. All payment transactions are processed directly by the applicable third-party payment processor in accordance with their respective privacy policies, security standards, and regulatory obligations.

Information shared with payment processors may include:

Name

Email address

Billing address

Transaction details necessary to complete payment

These payment processors operate independently and are solely responsible for the security and processing of payment information. The Platform is not responsible for the privacy practices or security measures of third-party payment processors.

8. United States and Canadian Users

The Platform may be accessed by users located in the United States and Canada.

By using the Platform, you acknowledge and agree that:

Your information may be processed and stored in the United States or Canada

Cross-border data transfers may occur for operational and administrative purposes

You are responsible for complying with all applicable federal, state, provincial, and local privacy, licensing, and data protection laws

For Canadian users, the Platform is designed to align with the requirements of the Personal Information Protection and Electronic Documents Act (PIPEDA).

9. Data Security

Reasonable administrative, technical, and physical safeguards are implemented to protect personal information against unauthorized access, disclosure, alteration, or destruction.

However, no electronic system can guarantee absolute security, and use of the Platform is at your own risk.

10. Data Retention

Information is retained only for as long as necessary to fulfill operational, legal, regulatory, and business purposes, unless a longer retention period is required or permitted by law.

11. Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

Request access to your personal information

Request correction of inaccurate or incomplete data

Request deletion or restriction of data (where legally permissible)

Requests must be submitted in writing to Platform Support and will be handled in accordance with applicable law.

12. Third-Party Links and Services

The Platform may contain links to third-party websites or integrate with external services. This Privacy Policy does not govern third-party practices, and the Platform is not responsible for their privacy policies or content.

13. Changes to This Privacy Policy

This Privacy Policy may be updated from time to time. Any changes will be effective upon posting. Continued use of the Platform constitutes acceptance of the revised Privacy Policy.

14. Contact Information

Questions or requests regarding this Privacy Policy or data practices should be directed to Platform Operations or Support.
14A. Mobile Information Sharing and SMS Policy

IBN PLATFORM LLC respects your privacy regarding mobile communications.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Text messaging originator opt-in data and consent information will not be shared with any third parties, except as necessary to support the delivery of messaging services, including messaging aggregators, carriers, and technical service providers strictly for operational purposes.

All mobile messaging communications are used solely for service-related, transactional, account, compliance, and support purposes in accordance with user consent.

Message frequency may vary. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP. For assistance, reply HELP or contact Platform Support.

SMS Consent Collection and Use

IBN PLATFORM LLC obtains SMS consent through clear and compliant opt-in methods. Users provide consent by entering their mobile number into a Platform form and actively selecting an opt-in checkbox authorizing SMS communications.

Consent is collected through online forms, registration pages, inquiry submissions, appointment scheduling forms, and other Platform-related submission processes where the user voluntarily provides their contact information.

IBN PLATFORM LLC uses SMS consent only for the purposes disclosed at the time of opt-in. SMS communications may include service-related notifications, account updates, appointment reminders, support-related messages, compliance notifications, and administrative communications.

If a user separately opts in to marketing communications, SMS consent may also be used to send promotional messages, including offers, discounts, and announcements.

Message frequency may vary. Message and data rates may apply.

Users may opt out of SMS communications at any time by replying STOP. For assistance, users may reply HELP or contact Platform Support.

Consent to receive SMS communications is not a condition of purchase.