Privacy Policy

Mr. BoB Inc. ("Mr. BoB", "we", "us", or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our website, mrbob.co, and our enterprise software designed for Insurance Marketing Organizations (IMOs) to manage agent onboarding and operations (collectively, the "Services").

Scope:

This policy applies to all users of our Services, including IMO users, agents, and anyone interacting with our platform. By using our Services, you consent to the practices described in this Privacy Policy.

1. Information We Collect:

We collect information in various ways, including:

A. Information You Provide:

- Account Creation: Name, email address, company details, and other information necessary for account creation and management.

- Agent Onboarding: Name, contact details, social security number (with proper consent and security measures), licensing information, background check results as required by the IMO and with necessary consents. (Review: Clarify purpose and legal basis for collecting SSNs, how they are protected, and retention period.)

- Payments: Payment card details and billing information for secure transaction processing. (Review: Specify which payment processors are used and their data retention policies.)

- Communications: Content of your communications with us, including emails, messages, and support inquiries.

- Surveys and Feedback: Information you provide through optional surveys and feedback forms.

- Interactive Features: Information shared through chat features, messaging services, and social media pages.

B. Information Collected Automatically:

- Usage Data: IP address, device information, browser type, operating system, access times, pages visited, and referring website addresses.

- Cookies and Similar Technologies: Cookies, web beacons, and similar technologies to enhance your experience and analyze trends. You can manage your cookie preferences through your browser settings. (Review: Specify types of cookies used and their purposes.)

- Analytics: We use [Name of analytics provider(s)] to understand how users interact with our Services. (Replace with specific analytics provider(s).)

C. Information from Other Sources:

- Background Checks: We may obtain background check reports on agents during the onboarding process as authorized by the IMO and in compliance with applicable laws. We use [Name of background check provider(s)] to conduct these checks. (Replace with specific provider(s) and ensure compliance with relevant state laws like FCRA and state equivalents.)

- Social Media: Information from social media platforms if you choose to connect them to our Services. (Review: Specify which social media platforms and what data is collected.)

- Other Third Parties: We may receive information from [Categories of third parties, e.g., data brokers, marketing partners] (Specify categories and, if required by state laws, the names of specific data brokers).

2. How We Use Your Information:

(Review: Ensure you clearly identify the legal basis (e.g., consent, contract, legitimate interest) for each data use.)

- Providing and Managing Services: Operating and managing your account, processing transactions, providing customer support, and delivering core functionalities of our platform.

- Agent Onboarding and Management: Facilitating onboarding for IMOs and managing agent information, including compliance checks, licensing verification, and background checks.

- Personalization: Personalizing your experience and tailoring content and features based on your preferences and usage patterns.

- Analytics and Improvement: Analyzing trends, tracking user engagement, and generating reports to understand Service usage and identify areas for improvement.

- Marketing and Communications: With your consent, sending you promotional emails, newsletters, and other marketing communications. You can opt-out anytime.

- Security and Compliance: Detecting and preventing fraudulent activities, protecting the security of our platform, and ensuring compliance with applicable laws and regulations.

3. Sharing of Information:

We may share your information with:

- Service Providers: [List of specific service providers and their functions, e.g., payment processors, cloud storage providers, marketing platforms]. (Replace with names of actual service providers.)

- IMOs: We share information with IMOs as necessary to facilitate agent onboarding and management, subject to the IMO's requirements and the agent's consent.

- Legal Compliance and Protection: We may disclose information when required by law, regulation, legal process, or government request, or to protect our rights, property, or safety, or the rights, property, or safety of others.

- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. We will notify you of any change in ownership or control of your personal information.

4. International Data Transfers:

Your information may be transferred to, stored, and processed in countries other than your country of residence. We ensure any such transfers comply with applicable data protection laws and that your information is protected with appropriate safeguards. (Specify mechanisms used for lawful transfer, e.g., Standard Contractual Clauses.)

5. Data Security:

We implement industry-standard security measures to protect your information, including encryption, access controls, security audits, firewalls, and incident response plans. However, no method of transmission over the internet or method of electronic storage is 100% secure.

6. Data Retention:

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. (Specify the exact retention periods for different categories of data, e.g., account information, payment information, etc.)

7. Your Choices and Rights:

You have certain rights and choices regarding your personal information:

- Access and Update: You can access and update your account information by logging into your account settings.

- Rectification: You can request correction of inaccurate or incomplete personal information.

- Erasure: You can request deletion of your personal information, subject to certain legal exceptions. (Explain the process for submitting deletion requests and potential exceptions.)

- Marketing Communications: You can opt-out of receiving marketing emails from us by following the unsubscribe instructions or contacting us directly.

- Cookies: You can manage your cookie preferences and opt-out of certain tracking technologies through your browser settings.

- Data Portability: You have the right to request a copy of your personal information in a structured, commonly used, and machine-readable format. (Explain the process for requesting data portability.)

To exercise your rights, please contact us at privacy@mrbob.app.

8. Children's Information:

Our Services are not intended for children under 13. We do not knowingly collect personal information from children under 13. If you become aware that a child has provided us with personal information, please contact us and we will take steps to delete such information. (Review and ensure compliance with COPPA if applicable.)

9. Changes to the Privacy Policy:

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated Privacy Policy on our website or through other means.

10. Contact Information:

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

- Email: privacy@mrbob.app

- Postal Address: BDI Trades Inc 1501 S Mopac Expy STE 220 Austin, TX 78746-7683

11. Third-Party Links and Services:

Our Services may contain links to third-party websites and services that are not operated by us. We are not responsible for the privacy practices or the content of such third-party websites and services. We encourage you to review the privacy policies of any third-party websites or services that you visit.

12. State-Specific Privacy Rights:

Residents of certain states, such as California, Virginia, Colorado, Connecticut, and Utah, may have additional rights under applicable data privacy laws. These rights may include:

- Right to Know: The right to request information about the personal information we collect, use, and disclose.

- Right to Delete: The right to request deletion of your personal information.

- Right to Opt-Out of Sale/Sharing: The right to opt-out of the sale or sharing of your personal information.

- Right to Non-Discrimination: The right to not be discriminated against for exercising your privacy rights.

To exercise your state-specific privacy rights, please contact us at privacy@mrbob.app. (Provide information on how to submit requests and appeal decisions.)

13. Additional Information:

This Privacy Policy is governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws provisions.

14. Notice to Nevada Residents:

We do not sell personal information as defined by Nevada law. If you are a Nevada resident and would like to submit a request relating to the sale of your personal information, you may do so by contacting us at privacy@mrbob.app.

15. Washington My Health My Data Act (MHDM):

The Washington My Health My Data Act (MHDM) provides Washington residents with additional rights and protections regarding their consumer health data. Consumer health data is defined broadly under the MHDM and may include information collected by Mr. BoB. For more information about your rights under the MHDM, please visit the website of the Washington State Attorney General.

Please note that this Privacy Policy does not apply to the practices of third parties that we do not own or control, including any third-party websites, services, or applications that you may access through our Services.

By using our Services, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

(Disclaimer: Consider adding a disclaimer stating that the privacy policy is not a contract and is subject to change.)