Privacy Policy

1. Introduction

Karma Insurance Network ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website, apply for career opportunities, or communicate with us.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Professional Information: Work history, license information, experience level, qualifications
• Application Materials: Resume, cover letters, professional references, license documentation
• Communication Records: Email correspondence, phone call records, text message history
• Website Activity: IP address, browser type, pages visited, time spent on site

2.2 Automatic Information Collection

We automatically collect certain information about your device when you access our website, including:

• Browser and device information
• IP address and location data
• Website usage patterns and preferences
• Referral sources and search terms

3. How We Use Your Information

We use the information we collect for the following purposes:

• Application Processing: To review and evaluate your application for career opportunities
• Communication: To respond to inquiries, provide information about opportunities, and maintain contact
• SMS and Text Messaging: To send updates about your application status, career opportunities, and important information (with your consent)
• Website Improvement: To analyze website usage and improve user experience
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Business Operations: To conduct our business operations and maintain records

4. Text Messaging and SMS Data Protection

4.1 SMS Data - No Third-Party Sharing

We do not sell, rent, share, or disclose your SMS consent, phone number, or any SMS opt-in data to any third parties under any circumstances. Your SMS information is used exclusively by Karma Insurance Network and is never shared, traded, or made available to outside parties for any purpose.

4.2 Consent to Text Messages

By providing your mobile phone number and consenting to receive text messages, you agree to receive SMS messages from Karma Insurance Network regarding:

• Application status updates
• Career opportunity notifications
• Important company communications
• Onboarding and training information

4.3 Message Frequency and Fees

Message frequency varies based on your application status and preferences. You may receive up to 5 messages per week during active application periods. Standard message and data rates may apply as determined by your carrier.

4.4 Opt-Out and Support

You may opt out of SMS messages at any time by replying STOP to any message. For assistance, reply HELP or contact us at privacy@karmainsurance.net.

You can also opt out by:

• Emailing us at privacy@karmainsurance.net
• Calling us during business hours

4.5 Consent Not Required

Your consent to receive SMS messages is not a condition of purchasing any goods or services from Karma Insurance Network. You may access all our services without opting in to SMS communications.

5. Information Protection

We do not sell, trade, or rent your personal information. Your phone number and SMS consent data are never shared with any outside parties.

5.1 Internal Use Only

All information collected, including your phone number and SMS preferences, is used exclusively by Karma Insurance Network for the purposes stated in this policy. We do not provide, sell, or otherwise share this information with external companies, partners, or any third parties.

5.2 Legal Exceptions

The only circumstance under which any information may be disclosed is when required by law in response to a valid court order or legal process. However, your SMS consent and phone number data remain protected and are not subject to voluntary disclosure under any circumstances.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of sensitive data
• Secure data transmission protocols
• Access controls and user authentication
• Regular security assessments and updates
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information 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. Specifically:

• Application Materials: Retained for 3 years after application submission
• Communication Records: Retained for 2 years for business purposes
• Website Analytics: Retained for 12 months
• Employee Records: Retained according to applicable employment laws

8. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a portable format
• Opt-Out: Opt out of marketing communications
• Restriction: Request restriction of processing in certain circumstances

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will delete that information promptly.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information is collected
• The right to delete personal information
• The right to opt-out of the sale of personal information (we do not sell your information)
• The right to non-discrimination for exercising CCPA rights

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Providing notice through our normal communication channels

Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

13. Contact Us

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

14. Effective Date

This Privacy Policy is effective as of January 5, 2026, and replaces any previous privacy policies.