California privacy policy

This Thrivent Trust Company California Privacy Policy (“California Policy”) applies solely to online visitors and users and other individuals who reside in the State of California and provide “personal information” (as defined below) to Thrivent Trust Company (“consumers” or “you”). This California Policy does not address personal information collected for workforce-related inquiries or transactions. For additional details about the use of personal information for workforce matters, please refer to the Workforce Privacy Policy.

If you are a prospective, existing or past Thrivent Trust Company customer residing in California and have been provided with a copy of our Privacy Notice at any time, any personal information collected as part of that client relationship will be used in accordance with our Privacy Notice and will not fall under this California Policy.

We adopt this California Policy to comply with the California Consumer Privacy Act as modified by the California Privacy Rights Act of 2020 (collectively, the “CCPA”) and any terms defined in the CCPA have the same meaning when used in this policy.

Information we collect

Thrivent Trust Company collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device ("personal information"). In particular, Thrivent Trust Company has collected the following categories of personal information from its consumers within the last twelve (12) months:

1. Identifiers, such as real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number or other similar identifiers.
2. Personal information categories listed in the California Consumer Records statute (Cal. Civ. Code § 1798.80(e)), such as name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. (Some personal information included in this category may overlap with other categories.)
3. Protected classification characteristics under California or federal law, such as age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, or genetic information (including familial genetic information).
4. Commercial information, such as records of personal property; products or services purchased, obtained, or considered; or other purchasing or consuming histories or tendencies.
5. Internet or other similar network activity, including, but not limited to, browsing history, search history, or information on a consumer's interaction with a website, application, or advertisement.
6. Geolocation data, such as IP addresses, which are registered to a geographic location.
7. Audio, electronic, visual, thermal, or olfactory information, such as videos, photos, or voice recordings.
8. Professional or employment-related information, such as current or past job history.
9. Other categories of personal information, such as is described in the Thrivent Trust Company Internet Privacy Policy.
10. Inferences drawn from your personal information (excluding sensitive personal information), as identified above, to create a profile about you reflecting your preferences, trends, or behaviors.
11. Sensitive personal information, such as social security number, driver’s license, state identification card or passport number. Genetic or health information may be received in connection with Irrevocable Life Insurance Trust documentation.

Personal information does not include:

• Publicly available information from government records.
• Deidentified or aggregated consumer information.
• Information excluded from the CCPA's scope, including:
  
  • health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA), collected by a covered entity or business associate, and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
  • personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

Thrivent Trust Company obtains the categories of personal information listed above from the following categories of sources:

• Directly from you or your agents. For example, from documents you complete or information you tell us.
• Indirectly from you. For example, from website usage details collected automatically on our website.
• From our affiliate companies.
• From third parties.  For example, from individuals who provide information about you in connection with our provision of services to a trust, estate, guardianship or other fiduciary relationship for which you are a beneficiary or other related party.

Use of personal information

We may use or disclose the personal information we collect for one or more of the following purposes:

• To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to ask a question about our services, we will use that personal information to respond to your inquiry. As another example, if you provide personal information in connection with a trust which we administer, we will use that information to administer the trust.
• To provide, support, personalize, and develop our website and services.
• To create, maintain, customize, and secure accounts with us for business or fiduciary entities you represent.
• To process your requests or transactions and prevent transactional fraud.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• To help maintain the safety, security, and integrity of our website, services, databases and other technology assets, and our business.
• For testing, research, and analysis, including to develop and improve our website and services.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To learn about opportunities to market other services that may be of interest to you and to market those services to you.
• To conduct internal research, such as to measure consumer interaction with Thrivent Trust Company online.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Thrivent Trust Company's assets, whether as a going concern or as part of receivership, liquidation, or similar proceeding, in which personal information held by Thrivent Trust Company about our consumers is among the assets transferred.

Thrivent Trust Company will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice. Thrivent Trust Company does not use or disclose sensitive personal information for purposes other than those specifically permitted in the CCPA. Thrivent Trust Company does not utilize sensitive personal information to infer characteristics about consumers.

Within the scope of this California Policy, information collected is retained for a period in accordance with the purpose for which it was collected and limits in applicable laws and regulations.

Thrivent Trust Company may disclose the information we collect about you, as listed above, with other parties. Specifically, we disclose personal information with the following categories of other parties:

• Service providers and contractors: We may disclose all categories of information we collect with service providers and contractors who perform services on our behalf for business purposes, including marketing. When we disclose personal information to service providers or contractors, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
• Government agencies and regulators:  We may disclose all categories of information we collect with government agencies and regulators for business purposes to demonstrate our compliance with, or as required by, various laws and regulations.
• Affiliates: We may disclose information we collect within Thrivent’s family of companies as permitted by applicable law, contract, or regulation.
• Third parties: With your consent, we may disclose internet or other similar network activity, on Thrivent websites, applications or services, with third parties to perform targeted marketing. We may also disclose information with third parties if required by law to do so.

Thrivent Trust Company does not sell the personal or sensitive personal information of any California consumers. Thrivent Trust Company does not share the personal or sensitive personal information of any California consumers with any third parties for cross-context behavioral advertising.

Thrivent Trust Company does not knowingly sell or share the personal information or sensitive personal information of minors under 16 years of age without affirmative authorization.

If you are a California consumer, you have specific rights under California law regarding your personal information (unless you are a prospective, current or former customer of Thrivent Trust Company, in which case your rights are described in our Privacy Notice). This section describes the rights applicable to California consumers and explains how to exercise them.

You have the right to request that Thrivent Trust Company disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising access, data portability, correction and deletion rights), we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting that personal information.
• The categories of third parties with whom we disclose that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we disclosed your personal information for a business purpose, the personal information categories that each category of recipient obtained.
  

You have the right to request that Thrivent Trust Company delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising access, data portability, correction and deletion rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

1. Complete the transaction for which we collected the personal information, provide a service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug to identify and repair errors that impair existing intended functionality of our services.
4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

You have the right to request that Thrivent Trust Company correct inaccurate personal information about you. Once we receive and confirm your verifiable request (see Exercising access, data portability, correction and deletion rights), we will utilize commercially reasonable efforts to correct your personal information in our records.

To exercise the access, data portability, correction and deletion rights described above, please submit a verifiable consumer request to us by either:

• Calling us at 877-225-8345 and pressing Option 4; or
• Submitting this online form.

Only you, or someone legally authorized to act on your behalf (an “Authorized Agent”), may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. We may request written permission from you before honoring any requests made by an Authorized Agent. Any identity verification, noted below, may still need to be completed by the consumer directly.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative. If there is a need to verify your identity prior to releasing information in accordance with your request, we will contact you at the phone number you provided in your request submission. At that time, we will conduct additional knowledge-based authentication to ensure that only those people who have a legal right to obtain information can do so.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us.

We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

We will not discriminate against you for exercising any of your CCPA rights.

Thrivent Trust Company reserves the right to amend this California Policy at our discretion and at any time. When we make changes to this California Policy, we will post the updated California Policy on our website and update the policy’s effective date.

If you have any questions or comments about this California Policy, the ways in which Thrivent Trust Company collects and uses your information described below and in our Internet Privacy Policy or Privacy Notice, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Email: 8030@thrivent.com

Postal Address:
Thrivent Trust Company
Attn: Compliance Department
4321 N. Ballard Road
Appleton, WI 54919-0001.