Privacy Policy

This Privacy Policy describes how Infinite Bank Solutions (“we”, “us,” or “our”) collects, uses, shares, and secures your personal information in connection with our website, mobile applications, and other digital properties that link to this Privacy Policy (collectively, the “Sites”) and how we provide the Sites, educational materials, digital content, and other services (the “Services”) more broadly. It applies to information collected from and about you in connection with your use of the Sites and Services, as well as from other sources, such as over the telephone with our representatives or from third parties in connection with our Services, and not to External Sites (as defined below). By using the Sites and Services, you consent to the data practices described in this Policy.

As providers of Services that involve the use of personal – and sometimes sensitive – information, protecting the confidentiality of that information is a top priority. This means we will never sell your personal information and we use industry standard technical, physical, administrative, and organizational controls to ensure the security and confidentiality of your data.

We may change this Privacy Policy at any time, and we take such steps as required by applicable law to notify you of any material changes. Your continued use of the Sites or Services following the update and notification means that you consent to our updated policy.

I. How and Where We Collect and Use Your Information

You can use some of the Sites by just browsing (as a “Visitor”) or by accessing the Sites and Services after creating and maintaining an account, for example, to seek, apply for and/or purchase one or more products through the Sites (as a “Member”).

You may also become a Member by providing us with information (as described below) when you seek, apply for and/or purchase one or more products over the telephone with one of our representatives.

Each of Visitors and Members may be referred to in this Privacy Policy by the terms “user,” “you” or “your.” Some of our Services are only available to Members.

1. Sources of Information

The types and sources of personal information we collect depend on the Service utilized, how you interact with us and our Sites, and/or how you were referred to us. These may include:

Information that you provide to us directly via online tools, applications, forms, and communications (calls, texts, emails, chats, etc.)Information generated through your interaction with our Sites, or from third-party platforms you use to access our Services.

2. Types of Information We Collect and How We Use It

We collect "Usage Information" (such as browser type, IP address, and device ID) to improve functionality and ensure compatibility.

We collect names and email addresses for newsletter subscriptions, and may use engagement data (e.g., clicks or opens) for optimization.

Marketing engagement is also tracked to improve relevance and delivery.

Communication via email or chat may include personal details used to respond and deliver Services.

Survey and review data is collected voluntarily and may include names and contact info; with your consent, this may be published or shared with third-party providers.

When creating an account, we collect names, email addresses, and optionally phone numbers and social login data (e.g., Google/Facebook info).

To provide insurance estimates, we collect personal and lifestyle data (Estimate Information) and Contact Information.

To apply for insurance, additional Application Information is required (e.g., SSN, DOB, health history, etc.).

"Account Information" includes all of the above, and may be shared with insurance carriers to service policies and manage claims.

We do not store credit card information ourselves.

Other uses of personal data may include:

Operating, maintaining, and improving the Sites and Services

Sharing data with insurance carriers or joint marketing partners

Responding to your inquiries and customer service requests

Benchmarking and performance analysis

Compliance with legal and regulatory obligations

II. How We Share Your Information
1. Specific Sharing

We may share your data with:

Insurance Carriers – to provide quotes and process applications Service Providers – for hosting, analytics, marketing, and customer service

Referral Partners – if you were referred to us by another business

2. General Sharing

We may share aggregated or anonymized data, and:

For marketing, analytics, and retargeting

With affiliates and subsidiaries As part of business transfers (mergers, sales, reorganizations)As required by law or legal process

When interacting with social media integrations

III. How We Secure Your Information

We use administrative, physical, and technical safeguards to protect your data. However, no system is 100% secure, and we cannot guarantee absolute protection against interception or breaches.

IV. Users From Outside the U.S.

Our Sites and Services are intended for U.S. residents and governed by U.S. laws. If you access them from outside the U.S., your data may be transferred and stored in the U.S.

V. Children

We do not knowingly collect data from children under 13. If you believe a child has submitted personal information to us, please contact us to request deletion.

VI. Job Applicants

If you apply for a job with us, we collect and process your application data for recruitment purposes. This may include resumes, contact info, diversity data (if voluntarily shared), and credentials.

VII. External Sites

We are not responsible for the content or privacy practices of external websites linked from our Sites. Please refer to those sites’ policies.

VIII. How to Opt-Out

To opt-out of certain data uses, contact us at

[email protected]

. Some data uses may be required to deliver requested Services, and opting out may affect your access or eligibility for certain features.

IX. Online Tracking Opt-Out Guide

You may opt out of online tracking via:

Browser settings to block or remove cookies

Device settings to limit ad tracking

Privacy plug-ins like uBlock Origin or Ghostery

Ad platform tools:

Google: https://adssettings.google.comFacebook: https://www.facebook.com/about/adsTwitter: https://twitter.com/personalizationIndustry

tools: DAA: http://optout.aboutads.infoNAI: http://optout.networkadvertising.org

Note: We do not currently respond to “Do Not Track” (DNT) browser signals.

X. Contact Us

For questions or concerns about our privacy practices, please contact:

Infinite Bank Solutions

📧

[email protected]