Effective Date: September 9, 2026
Last Updated: September 9, 2026

Piper Financial Group, Inc. (“Piper Financial Group,” “PFG,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy describes how we collect, use, disclose, retain, and protect personal information when you:

• visit or interact with our website at https://piperfinancialgroup.com/ or any website, landing page, form, or online property that links to this Privacy Policy;

• request information regarding our products or services;

• communicate with Piper Financial Group by telephone, text message, email, web form, chat, or other means;

• participate in our recruiting or agent-development activities;

• apply, inquire, interview, or otherwise engage with an insurance agency or agency owner using a HighLevel sub-account provided through Piper Financial Group;

• create, access, or use an account within a HighLevel-based system administered by Piper Financial Group;

• attend an event, webinar, appointment, meeting, or other activity operated by or on behalf of Piper Financial Group; or

• otherwise interact with us in circumstances where this Privacy Policy applies.

Collectively, these websites, systems, communications, recruiting processes, and related services are referred to in this Privacy Policy as the “Services.”

Please read this Privacy Policy carefully.

By using the Services, you acknowledge the privacy practices described in this Privacy Policy.

This Privacy Policy applies only to the extent Piper Financial Group determines the purposes and means of processing personal information or otherwise has responsibilities with respect to such information.

As explained below, when independent agency owners use a HighLevel sub-account made available through Piper Financial Group to collect and manage recruiting information, the applicable agency owner generally controls that information and is responsible for its collection and use.

1. About Piper Financial Group

Piper Financial Group, Inc. is a United States-based financial and insurance services organization.

Our principal contact address for purposes of this Privacy Policy is:

Piper Financial Group, Inc.
701 Country Stone Ct
Ballwin, Missouri 63021
United States

Email: courtney_piper@piperfinancialgroup.com

Piper Financial Group provides services only where appropriately licensed, authorized, or otherwise permitted to do so.

Nothing contained in this Privacy Policy constitutes an offer of an insurance, financial, securities, or other regulated product or service in a jurisdiction where Piper Financial Group or the applicable representative is not properly authorized.

2. Scope of This Privacy Policy

This Privacy Policy describes Piper Financial Group's practices relating to personal information collected through the Services.

Depending upon the interaction, Piper Financial Group may process information in different capacities.

For example:

Piper Financial Group Data

When you visit Piper Financial Group's website, contact us directly, inquire about Piper Financial Group, become a Piper Financial Group recruit, communicate directly with PFG, or otherwise provide information directly to Piper Financial Group, PFG generally determines how and why that information is used.

Agency Sub-Account Data

Piper Financial Group also administers a HighLevel agency environment through which independent insurance agencies or agency owners may receive their own HighLevel sub-accounts.

These sub-accounts may use technology, automations, CRM structures, communication sequences, workflows, templates, and other systems originally developed or configured by Piper Financial Group. Those systems may be modified to reflect the individual agency's branding, business practices, recruiting processes, and communication style.

When an independent agency or agency owner uses its sub-account to collect information about its prospective recruits, applicants, agents, contacts, or other individuals, that agency owner generally determines the purposes for which the information is collected and used and is responsible for that information.

In those circumstances:

• the agency owner is generally the business or organization responsible for the recruiting relationship;

• Piper Financial Group may provide administrative, technical, CRM, workflow, configuration, maintenance, support, and related services;

• Piper Financial Group may have technical or administrative access to information within the sub-account when reasonably necessary to provide those services; and

• HighLevel and its applicable service providers may process the information as technology providers supporting the platform.

If you are communicating with a particular agency through that agency's sub-account, you should also review any privacy notice provided by that agency.

3. Information We Collect

The information we collect depends upon how you interact with the Services.

We may collect the following categories of personal information.

3.1 Identification and Contact Information

We may collect:

• first and last name;

• mailing address;

• city, state, ZIP code, and country;

• email address;

• telephone or mobile telephone number;

• date of birth when reasonably necessary;

• age or age range;

• preferred method of contact; and

• other information you voluntarily provide.

3.2 Recruiting and Professional Information

In connection with recruiting insurance agents, agency owners, representatives, employees, contractors, or other professionals, we or an agency using the platform may collect:

• employment history;

• professional experience;

• resume or curriculum vitae;

• education information;

• insurance industry experience;

• current employment status;

• current agency affiliation;

• insurance license information;

• states in which you are licensed;

• National Producer Number or similar professional identifiers;

• certifications or professional credentials;

• desired position or opportunity;

• recruiting source;

• referral information;

• interview notes;

• appointment information;

• meeting history;

• recruiting status;

• application status;

• onboarding status;

• agent or agency affiliation;

• internal notes relating to the recruiting process; and

• other information relevant to evaluating or managing a recruiting relationship.

Providing information through a recruiting form does not guarantee employment, contracting, appointment, licensing, carrier approval, or any other opportunity.

3.3 Communications Information

When you communicate with us or with an agency through the Services, we may collect and maintain information about those communications, including:

• email communications;

• SMS or MMS text messages;

• telephone calls;

• voicemail messages;

• website chat communications;

• social media communications;

• calendar communications;

• appointment confirmations;

• communication preferences;

• responses to automated workflows;

• message delivery information;

• timestamps;

• opt-in information;

• consent records;

• opt-out requests; and

• other communications between you and Piper Financial Group or an agency using the Services.

4. Telephone Calls and Call Recordings

Telephone calls made through or in connection with the Services may be monitored or recorded when permitted by applicable law.

Where legally required, appropriate notice or consent will be obtained before a call is recorded.

Call recordings may be used for purposes including:

• quality assurance;

• training;

• recruiting;

• documentation;

• compliance;

• dispute resolution;

• customer service;

• fraud prevention;

• security; and

• improving our Services.

Independent agencies using Piper Financial Group-provisioned sub-accounts are responsible for ensuring their own use of calling and call-recording functionality complies with applicable federal and state laws.

5. Text Messages and Mobile Communications

If you provide a mobile telephone number and consent to receive text messages, Piper Financial Group or the applicable agency may communicate with you by SMS or MMS regarding the subject for which you provided consent.

Messages may include:

• requested information;

• appointment reminders;

• recruiting communications;

• interview reminders;

• follow-up communications;

• application or onboarding updates;

• customer service communications;

• informational messages; and

• marketing or promotional messages where permitted by law and consistent with the consent obtained.

Message frequency may vary.

Message and data rates may apply.

Consent to receive marketing text messages is not a condition of purchasing any product or service unless otherwise specifically permitted by law.

You may withdraw consent to receive recurring marketing text messages at any time by replying STOP or by following another opt-out method provided in the message.

You may reply HELP for assistance where supported.

We may send a final confirmation message acknowledging an opt-out request.

Operational or transactional messages may be treated differently from marketing messages where permitted by applicable law.

Mobile Information Sharing

We do not sell mobile telephone numbers, SMS consent records, or SMS opt-in information to third parties for their independent marketing purposes.

Mobile information may be disclosed to service providers and telecommunications providers as reasonably necessary to deliver and administer messaging services, maintain compliance, prevent fraud, and operate our communication systems.

SMS consent is not transferred to another organization for that organization's unrelated independent marketing purposes.

6. Email Communications

We may use your email address to send:

• responses to inquiries;

• recruiting communications;

• requested materials;

• appointment information;

• operational notifications;

• account information;

• educational content;

• company information;

• newsletters;

• service announcements; and

• marketing communications where permitted by law.

You may unsubscribe from commercial marketing emails by using the unsubscribe mechanism included in the email.

Even after unsubscribing from marketing communications, we may continue sending non-promotional messages reasonably necessary to administer an existing relationship, respond to your request, maintain security, or comply with legal obligations.

7. Information Collected Automatically

When you use our website or other online Services, certain information may be collected automatically.

This may include:

• Internet Protocol address;

• device identifiers;

• browser type;

• operating system;

• device type;

• approximate geographic location derived from IP address;

• referring website;

• pages viewed;

• links clicked;

• date and time of visits;

• session duration;

• website navigation behavior;

• form interactions;

• advertising interactions;

• conversion information;

• cookie identifiers;

• browser or device settings;

• campaign attribution information; and

• other technical or usage information.

We may collect this information through cookies, pixels, tags, scripts, local storage, analytics technologies, advertising technologies, and similar tools.

8. Cookies and Similar Technologies

We may use cookies and similar technologies to:

• operate our website;

• maintain website functionality;

• remember preferences;

• understand website traffic;

• measure website performance;

• analyze visitor behavior;

• prevent fraud;

• improve our Services;

• identify technical problems;

• understand marketing effectiveness;

• attribute leads or conversions;

• personalize content; and

• support advertising and remarketing activities.

Cookies may be placed by Piper Financial Group or by third-party technology providers.

Depending upon the technologies currently enabled, these providers may include analytics, advertising, CRM, website hosting, social media, conversion tracking, and marketing technology companies.

You can typically modify cookie settings through your web browser.

Disabling certain cookies may affect website functionality.

Where required by applicable law, we may provide additional mechanisms for managing cookies or advertising-related data processing.

9. Analytics and Advertising Technologies

Piper Financial Group may use third-party analytics and advertising technologies, including technologies associated with services such as:

• Google Analytics;

• Google Ads;

• Google Tag Manager;

• Meta advertising technologies and Meta Pixel;

• Microsoft advertising technologies;

• social media platforms;

• remarketing or retargeting platforms; and

• other digital advertising and analytics providers.

These technologies may allow Piper Financial Group and its service providers to understand how visitors use our website, measure advertising effectiveness, create audiences, attribute conversions, and display relevant advertising.

Certain U.S. state privacy laws may define some forms of advertising-related disclosure involving cookies, pixels, or similar identifiers as “sharing,” “targeted advertising,” or, in some circumstances, a “sale,” even where Piper Financial Group does not receive money in exchange for personal information.

Piper Financial Group does not sell personal information to data brokers or third parties in exchange for monetary payment.

Where applicable law provides a right to opt out of targeted advertising, sales, or certain sharing of personal information, eligible individuals may submit such a request using the methods described in this Privacy Policy.

10. HighLevel and CRM Technology

Piper Financial Group uses the HighLevel platform and associated technologies to support portions of its CRM, communications, automation, appointment scheduling, lead management, recruiting, workflow, website, form, and related operations.

Information processed through the platform may therefore be processed by HighLevel, LeadConnector, telecommunications providers, infrastructure providers, and other subprocessors used to provide the applicable technology.

HighLevel operates as a technology provider and may process customer data on behalf of Piper Financial Group or the applicable account owner, subject to its contractual terms and privacy obligations.

Use of the HighLevel platform may involve functions including:

• CRM contact management;

• opportunity and pipeline management;

• automated workflows;

• forms;

• surveys;

• calendars;

• appointment scheduling;

• email;

• SMS and MMS messaging;

• telephone services;

• voicemail;

• call recording;

• website functionality;

• landing pages;

• analytics;

• attribution;

• reporting;

• workflow automation;

• artificial intelligence-assisted functionality where enabled; and

• other available platform features.

The specific features enabled may change over time.

11. Independent Agency Sub-Accounts

Piper Financial Group may provide independent insurance agencies, agency owners, recruiters, agents, or similar organizations with access to designated HighLevel sub-accounts.

Piper Financial Group may configure these accounts using templates, workflows, automation structures, CRM processes, pipelines, forms, campaigns, communications, and similar resources based upon systems developed by Piper Financial Group.

Individual sub-accounts may then be customized to reflect the agency's:

• name;

• logo;

• brand identity;

• contact information;

• messaging;

• communication style;

• recruiting process;

• team;

• calendar;

• workflows; and

• business practices.

Responsibility for Sub-Account Data

Unless otherwise expressly agreed, an agency owner using a sub-account is responsible for the personal information the agency collects through that sub-account.

The agency owner is responsible for determining:

• what information to collect;

• why the information is collected;

• who should receive communications;

• how recruiting information is used;

• who within the agency receives access;

• how long information should be retained;

• whether information should be exported or deleted; and

• what communications are sent to the agency's contacts.

Piper Financial Group may process or access such information when reasonably necessary to:

• establish or configure the sub-account;

• provide technical assistance;

• troubleshoot platform issues;

• maintain workflows;

• administer the platform;

• manage security;

• respond to lawful requests;

• maintain platform functionality;

• investigate misuse; or

• provide services requested by the agency.

12. Responsibilities of Agencies Using the Platform

Each agency, agency owner, agent, recruiter, or other authorized organization using a Piper Financial Group-provisioned sub-account is responsible for using the system lawfully.

This includes responsibility for:

• collecting personal information lawfully;

• providing legally required privacy notices;

• obtaining appropriate consent;

• maintaining evidence of consent where appropriate;

• complying with applicable calling and texting laws;

• complying with the Telephone Consumer Protection Act and implementing regulations where applicable;

• complying with CAN-SPAM and other applicable electronic communication laws;

• honoring unsubscribe and opt-out requests;

• complying with applicable state privacy and consumer protection laws;

• using call-recording functionality lawfully;

• limiting access to authorized personnel;

• protecting login credentials;

• maintaining reasonable information security practices;

• ensuring uploaded information was lawfully obtained;

• responding appropriately to privacy requests relating to agency-controlled data; and

• complying with applicable insurance, employment, recruiting, licensing, and other regulatory requirements.

Agencies may not use the platform to unlawfully import, upload, contact, or market to individuals using scraped, improperly obtained, or unauthorized contact information.

Piper Financial Group reserves the right to restrict or terminate access to the Services where we reasonably believe an agency or user is violating applicable law, platform requirements, or Piper Financial Group's Terms of Service.

13. Information from Third Parties

We may receive information from third parties, including:

• referral sources;

• advertising platforms;

• lead-generation sources;

• social media platforms;

• agency owners;

• agents;

• recruiters;

• technology providers;

• scheduling platforms;

• business partners;

• publicly available sources; and

• individuals who refer prospective recruits or customers to us.

We may combine information received from third parties with information we already maintain where permitted by law.

Agency owners using the platform are responsible for ensuring that third-party information they upload or import was obtained and disclosed lawfully.

14. How We Use Personal Information

Depending on the nature of our relationship with you, we may use personal information to:

• provide the Services;

• respond to inquiries;

• communicate with you;

• provide requested information;

• schedule appointments;

• manage appointments;

• evaluate prospective agents or recruits;

• conduct recruiting activities;

• facilitate interviews;

• manage recruiting pipelines;

• administer agent onboarding;

• manage professional relationships;

• maintain CRM records;

• provide customer service;

• send operational communications;

• send marketing communications where permitted;

• operate automated workflows;

• personalize communications;

• maintain websites and forms;

• administer HighLevel accounts and sub-accounts;

• configure agency systems;

• provide technical support;

• troubleshoot problems;

• authenticate users;

• maintain account security;

• detect fraudulent or unauthorized activity;

• maintain records;

• analyze website usage;

• measure marketing effectiveness;

• improve our website and Services;

• conduct internal analytics;

• protect our legal rights;

• enforce our agreements;

• resolve disputes;

• comply with legal or regulatory obligations;

• respond to lawful governmental requests;

• maintain regulatory or compliance records; and

• perform other purposes disclosed at the time information is collected or with your authorization.

15. Insurance and Financial Services Information

Piper Financial Group operates within the insurance and financial services industry.

Additional information may be required when an individual actually applies for, purchases, or receives an insurance or financial product.

Piper Financial Group does not intend for its general website contact forms or recruiting CRM to be used to collect highly sensitive application information such as Social Security numbers, bank account credentials, or similar financial credentials.

When sensitive information is necessary to complete an insurance or financial product application, that information may be collected separately through an insurance carrier, financial institution, authorized application system, or other secure service provider.

Information submitted directly to such organizations may also be governed by the privacy policy or privacy notice of the organization collecting that information.

Individuals should not send Social Security numbers, account passwords, bank credentials, or other highly sensitive information through ordinary email, SMS, website contact forms, or recruiting forms unless specifically instructed to use an approved secure method.

16. Financial Privacy Laws

Certain information collected in connection with financial or insurance services may be subject to specialized federal or state financial privacy requirements.

To the extent applicable, Piper Financial Group will handle nonpublic personal information in accordance with applicable financial privacy and insurance privacy requirements.

Nothing in this website Privacy Policy is intended to replace any separate financial privacy notice that Piper Financial Group may be required to provide to customers or consumers under the Gramm-Leach-Bliley Act, state insurance privacy laws, or other applicable law.

If Piper Financial Group provides you with a separate financial privacy notice concerning a particular financial or insurance relationship, the more specific privacy notice will govern the information and activities covered by that notice.

17. How We Disclose Personal Information

We may disclose personal information in the circumstances described below.

Service Providers

We may disclose personal information to companies that perform services on our behalf, including providers of:

• CRM technology;

• cloud hosting;

• website hosting;

• telecommunications;

• telephone services;

• SMS and MMS messaging;

• email delivery;

• appointment scheduling;

• analytics;

• advertising;

• information technology;

• cybersecurity;

• payment processing;

• database administration;

• customer support;

• document management;

• workflow automation;

• artificial intelligence functionality where enabled;

• compliance services; and

• professional services.

These organizations may access information only as reasonably necessary to perform the services for which they are engaged, subject to applicable contractual and legal requirements.

Agency Owners and Authorized Users

Information associated with an agency-controlled sub-account may be available to the agency owner and authorized users designated by that agency.

Piper Financial Group Personnel

Information may be available to employees, contractors, administrators, and authorized representatives of Piper Financial Group who reasonably require access to perform their responsibilities.

Business Transactions

We may disclose information in connection with an actual or proposed:

• merger;

• acquisition;

• sale;

• financing;

• restructuring;

• reorganization;

• bankruptcy;

• transfer of assets; or

• similar business transaction.

Legal Requirements and Protection of Rights

We may disclose information where we reasonably believe disclosure is necessary to:

• comply with applicable law;

• comply with a subpoena, court order, or other lawful process;

• respond to a governmental or regulatory inquiry;

• investigate suspected fraud;

• investigate security incidents;

• enforce contractual terms;

• protect Piper Financial Group;

• protect our customers or users;

• protect the rights, property, or safety of another person; or

• establish, exercise, or defend legal claims.

With Your Direction or Consent

We may disclose information when you direct us to do so or otherwise provide authorization.

18. No Sale of Personal Information for Monetary Compensation

Piper Financial Group does not sell personal information to third parties in exchange for monetary compensation.

As explained in the Cookies and Advertising sections, certain privacy laws define “sale” or “sharing” broadly enough that some advertising or analytics technologies may potentially fall within those definitions.

Where applicable, eligible individuals may exercise legally provided opt-out rights.

19. Sensitive Personal Information

Depending upon the interaction, some information processed by Piper Financial Group or an agency may qualify as sensitive personal information under applicable state law.

Examples may include:

• precise account credentials;

• certain government identifiers;

• information concerning racial or ethnic origin;

• religious beliefs;

• health information;

• biometric information;

• precise geolocation;

• citizenship or immigration status; or

• other information classified as sensitive under applicable law.

Piper Financial Group does not seek to collect categories of sensitive information that are unnecessary for the applicable interaction.

Individuals should not voluntarily submit sensitive personal information through general website, recruiting, SMS, or email channels unless specifically requested and appropriate safeguards are provided.

Where legally required, sensitive personal information will be processed only for permitted purposes or with required authorization.

20. Data Retention

We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including as necessary to:

• provide our Services;

• maintain business records;

• administer recruiting relationships;

• maintain agency relationships;

• manage accounts;

• provide customer support;

• maintain consent and opt-out records;

• satisfy contractual requirements;

• comply with insurance or regulatory obligations;

• satisfy recordkeeping requirements;

• prevent fraud;

• resolve disputes;

• enforce agreements;

• establish or defend legal claims; and

• comply with applicable law.

Retention periods may vary based upon:

• the category of information;

• the nature of the relationship;

• applicable legal requirements;

• industry requirements;

• contractual commitments;

• litigation considerations;

• security requirements; and

• legitimate operational needs.

When information is no longer reasonably necessary, we may delete, deidentify, anonymize, or securely dispose of it, subject to applicable law.

Information contained in system backups may remain for a limited period after deletion from active systems.

21. Data Security

Piper Financial Group takes reasonable administrative, technical, and organizational measures designed to protect personal information against:

• unauthorized access;

• unauthorized use;

• loss;

• destruction;

• alteration;

• disclosure; and

• other unauthorized processing.

These measures may include, as appropriate:

• access restrictions;

• user authentication;

• role-based permissions;

• password protections;

• security monitoring;

• encryption provided by applicable technology systems;

• vendor security measures;

• personnel access controls;

• system logging;

• secure hosting environments; and

• other reasonable safeguards.

No system of electronic transmission, storage, or processing can be guaranteed to be completely secure.

Accordingly, Piper Financial Group cannot guarantee the absolute security of personal information.

Users of the Services are responsible for maintaining the confidentiality of passwords and account credentials and for promptly notifying the appropriate account administrator if they suspect unauthorized access.

22. Data Breaches and Security Incidents

If Piper Financial Group becomes aware of a security incident involving personal information, we may investigate the incident, take reasonable remediation measures, notify affected organizations or individuals where required, and make notifications to regulators or government authorities where required by applicable law.

For information controlled by an independent agency through a sub-account, Piper Financial Group may notify the applicable agency owner so that the agency can fulfill its own notification and compliance responsibilities.

23. Your Privacy Choices

Depending upon your relationship with Piper Financial Group, you may be able to:

• update your contact information;

• request correction of inaccurate information;

• unsubscribe from marketing email;

• opt out of marketing text messages;

• modify cookie settings;

• request information about our privacy practices;

• exercise applicable state privacy rights; or

• withdraw consent where processing depends upon consent.

Submitting a privacy request will not affect communications that Piper Financial Group is legally required or otherwise permitted to maintain.

24. U.S. State Privacy Rights

Residents of certain U.S. states may have privacy rights under applicable state comprehensive consumer privacy laws.

The particular rights available depend upon:

• your state of residence;

• the nature of your relationship with Piper Financial Group;

• the type of information involved;

• whether an applicable statutory exemption applies; and

• whether Piper Financial Group or the applicable agency meets the jurisdictional thresholds of the relevant law.

Where applicable, rights may include the right to:

• confirm whether personal information is being processed;

• access personal information;

• obtain a copy of personal information;

• correct inaccuracies;

• request deletion;

• obtain certain information about categories of personal information collected;

• obtain information about categories of third parties receiving information;

• obtain data in a portable format;

• opt out of targeted advertising;

• opt out of certain sales or sharing of personal information;

• limit certain uses of sensitive personal information;

• withdraw consent for certain processing;

• opt out of certain automated decision-making or profiling activities where legally provided; and

• appeal a denied privacy request.

We will honor applicable rights as required by law.

Certain information may be exempt from state comprehensive privacy laws, including information regulated by financial, insurance, employment, business-to-business, or other specialized laws where an exemption applies.

25. California Privacy Disclosures

To the extent the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA”), applies to Piper Financial Group's processing of your personal information, California residents may have rights provided by that law.

Depending upon applicability and statutory exemptions, these may include rights to:

• know what personal information has been collected;

• access personal information;

• request deletion;

• request correction;

• receive information regarding disclosure practices;

• opt out of the sale or sharing of personal information;

• limit certain uses of sensitive personal information; and

• receive equal service and pricing without unlawful discrimination for exercising privacy rights.

Piper Financial Group does not sell personal information in exchange for monetary compensation.

Our use of certain advertising or analytics technologies may potentially constitute “sharing” or “sale” under the CCPA's broad statutory definitions.

Where required, California residents may exercise applicable opt-out rights using the request methods described below or other mechanisms made available on our website.

26. How to Submit a Privacy Request

To submit a privacy-related request, contact:

Piper Financial Group, Inc.

Email: courtney_piper@piperfinancialgroup.com

Mail:

Piper Financial Group, Inc.
701 Country Stone Ct
Ballwin, Missouri 63021
United States

Please include sufficient information for us to understand and process your request.

Where permitted or required by law, we may request additional information to reasonably verify your identity before fulfilling a privacy request.

We will use information submitted for verification only as reasonably necessary to authenticate and process the request.

27. Requests Concerning an Independent Agency

If your request concerns information you provided directly to an independent agency or agency owner using a Piper Financial Group-provisioned HighLevel sub-account, the agency owner may be responsible for handling your request.

If Piper Financial Group receives a request relating to information controlled by an agency, we may:

• direct you to the appropriate agency;

• forward the request to the agency where appropriate; or

• assist the agency with fulfilling the request when reasonably necessary.

Piper Financial Group is not responsible for an independent agency's separate privacy practices except to the extent required by applicable law or contractual obligations.

28. Authorized Agents

Where applicable law permits an authorized agent to submit a privacy request on your behalf, we may request reasonable documentation demonstrating the agent's authority.

We may also require you to verify your identity directly with us where permitted by applicable law.

29. Appeals

If applicable state law gives you the right to appeal a decision concerning your privacy request, you may submit an appeal using the same contact information provided for privacy requests.

Your appeal should clearly indicate that it is a privacy-request appeal and explain the decision you would like us to reconsider.

We will respond as required by applicable law.

30. Non-Discrimination

Piper Financial Group will not unlawfully discriminate against an individual for exercising privacy rights provided by applicable law.

This means we will not unlawfully deny services, charge different prices, provide a different level or quality of service, or otherwise retaliate solely because an individual exercised a legally protected privacy right.

31. Do Not Track Signals and Browser-Based Privacy Controls

Some browsers allow users to transmit “Do Not Track” or other privacy-preference signals.

Because industry standards concerning these signals continue to evolve, our website may not respond uniformly to every browser-based Do Not Track signal.

Where applicable law requires recognition of a legally recognized universal opt-out preference signal, such as an applicable browser-based opt-out mechanism, Piper Financial Group will endeavor to process that signal as required by law and as supported by our website technology.

32. Artificial Intelligence and Automated Features

Certain technology providers used by Piper Financial Group or agencies using the Services may offer artificial intelligence, machine learning, automated communication, conversation assistance, summarization, scheduling, lead management, workflow, or similar features.

Where such features are enabled, information may be processed to provide the requested functionality.

Piper Financial Group does not intend artificial intelligence functionality to replace human judgment for decisions that legally require human review.

Agency owners are responsible for reviewing and appropriately using automated or AI-assisted functionality within their respective sub-accounts.

We may modify, enable, disable, or change automated functionality as technology and business practices evolve.

33. Automated Communications

The Services may use automated workflows to initiate or manage:

• email;

• text messaging;

• appointment reminders;

• follow-up messages;

• recruiting sequences;

• notifications;

• task assignments;

• pipeline updates; and

• other communications.

Automated communications may be triggered by actions such as:

• submitting a form;

• requesting information;

• scheduling an appointment;

• responding to a message;

• reaching a particular recruiting stage;

• failing to complete an expected action; or

• other workflow criteria.

Use of automation does not eliminate the responsibility of Piper Financial Group or the applicable agency to comply with applicable communication, consent, and privacy laws.

34. Links to Third-Party Websites

The Services may contain links to third-party websites, applications, carrier websites, social networks, scheduling systems, or other external services.

Piper Financial Group does not control the privacy practices of third parties.

When you leave our website or interact directly with a third-party service, the privacy policy of that third party may apply.

We encourage you to review the privacy practices of third-party websites and services before providing personal information.

35. Social Media

Piper Financial Group may maintain pages or profiles on social media platforms.

Information you provide directly to a social media platform is subject to that platform's privacy practices.

We may receive information from a social media company when you interact with Piper Financial Group's content, advertisements, pages, lead forms, or profiles, subject to your settings and the applicable platform's policies.

36. Children's Privacy and Age Restrictions

The Services are intended for individuals 18 years of age or older.

Piper Financial Group does not knowingly direct the Services to children or intentionally collect personal information from children under the age of 13 through the Services.

Individuals under 18 should not submit recruiting applications or create platform accounts.

If Piper Financial Group learns that personal information from a child was collected in circumstances where collection was not legally permitted, we will take reasonable steps to delete the information as appropriate.

A parent or legal guardian who believes a child has provided personal information to Piper Financial Group may contact us using the information provided below.

37. Employment and Contractor Information

This Privacy Policy may apply to information collected from applicants, recruits, prospective independent agents, prospective contractors, or similar individuals where no separate applicant or workforce privacy notice is provided.

Information collected in these contexts may be used to:

• communicate about opportunities;

• evaluate qualifications;

• verify licensing;

• schedule interviews;

• maintain recruiting records;

• conduct onboarding;

• assess agency placement;

• evaluate professional experience; and

• satisfy legal or regulatory requirements.

A recruiting relationship does not necessarily create an employment relationship.

Insurance agents or agency owners may operate as independent contractors or independent businesses depending on the applicable arrangement.

38. Deidentified and Aggregated Information

We may create aggregated, anonymized, or deidentified information from personal information where permitted by law.

Information that can no longer reasonably be associated with an identifiable individual may be used for purposes such as:

• analytics;

• benchmarking;

• reporting;

• product improvement;

• business planning;

• operational analysis; and

• improving recruiting or CRM processes.

Where required by applicable law, we will not attempt to reidentify information that has been processed and maintained as deidentified data.

39. Business Records and Legal Compliance

We may retain and process information as reasonably necessary to comply with:

• insurance regulations;

• licensing requirements;

• tax obligations;

• corporate recordkeeping requirements;

• litigation holds;

• subpoenas;

• regulatory requests;

• contractual requirements;

• consent-record requirements;

• telecommunications compliance requirements;

• fraud-prevention obligations; and

• other applicable laws and regulations.

Legal or compliance requirements may prevent us from immediately deleting information following a request.

40. Changes to This Privacy Policy

Piper Financial Group may revise this Privacy Policy from time to time to reflect:

• changes in our Services;

• new technology;

• changes to our HighLevel implementation;

• new privacy requirements;

• new communication functionality;

• new advertising practices;

• changes in agency relationships;

• new legal requirements; or

• other business or regulatory developments.

When we make changes, we will update the “Last Updated” date at the top of this Privacy Policy.

Material changes may also be communicated by additional means where required by applicable law.

Your continued interaction with the Services after an updated Privacy Policy becomes effective will be subject to the updated Privacy Policy, subject to applicable law.

41. Contact Us

Questions, concerns, or requests regarding this Privacy Policy or Piper Financial Group's privacy practices may be directed to:

Piper Financial Group, Inc.
701 Country Stone Ct
Ballwin, Missouri 63021
United States

Email: courtney_piper@piperfinancialgroup.com

Website: https://piperfinancialgroup.com/

42. Additional Financial Privacy Notices

Because Piper Financial Group operates in the insurance and financial services industry, certain customers may receive additional privacy notices required by federal or state financial or insurance privacy laws.

Those notices may contain additional information regarding:

• nonpublic personal information;

• financial information;

• insurance application information;

• information-sharing practices;

• affiliate relationships;

• service-provider disclosures;

• consumer opt-out rights; and

• safeguards applicable to financial information.

Where a separate financial privacy notice applies to a particular relationship or category of information, that notice should be read together with this Privacy Policy.

If there is a conflict between this general Privacy Policy and a legally required financial privacy notice concerning specific regulated information, the more specific financial privacy notice will govern to the extent of the conflict.

43. Relationship Between This Privacy Policy and the Terms of Service

This Privacy Policy describes how Piper Financial Group handles personal information.

Separate Terms of Service govern access to and use of Piper Financial Group's websites, HighLevel-based systems, agency sub-accounts, recruiting systems, and related Services.

Agency owners and other authorized platform users may be subject to additional contractual obligations concerning:

• account access;

• appropriate use;

• data ownership;

• communications;

• recruiting practices;

• security;

• regulatory compliance;

• intellectual property;

• workflow usage;

• system administration;

• fees;

• termination; and

• other platform requirements.

This Privacy Policy does not modify contractual obligations established under Piper Financial Group's Terms of Service or another written agreement except where required by applicable privacy law.

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