Next Item Previous Item Go back to White Papers List Having a strong organizational culture enables you to hire, conduct business and attract clients in a consistent way that aligns with your overall values. With the fast pace of technological change today, a training culture can give you a competitive advantage when it comes to recruiting and retaining the best talent. Imagine that a quality candidate is considering your organization and another one, but you offer continuous training as a benefit. That will normally make the candidate’s choice simple and obvious. Investing in training for everyone in your organization shows them that you value their professional development and advancement potential. According to Arie de Geus, head of Shell Oil Company’s Strategic Planning Group and a visiting professor at London Business School, a learning culture is not only a strong source of sustainable competitive advantage; it is a critical corporate asset. He says, “Learning is the only source of sustainable competitive advantage.” Instead of investing in training once in a while — when someone requests it or when compliance requires it — make training a key element of your company’s or firm’s makeup. So how do you build training into your culture in such a significant way that it defines your organization? Here are some tips to get started. Survey everyone in your organization to find out what types of training they want to take. What skills do they want to improve, and what type of training do they prefer — online courses, webinars, on-site classes or off-site classes? Offer training to everyone. Instead of focusing only on advisors, for example, offer training to managers and support staff as well. Hire a training manager. Or assign the job of assessing, scheduling and evaluating training to one of your existing team members. This will show the people in your organization that you are committed to making training an integral part of your culture. Establish a mentoring program. Have your senior advisors mentor newer advisors and offer jointwork arrangements. Consider participating in the MDRT/GAMA International Mentoring Program. Create a coaching program. Coach everyone. Many managers make the mistake of focusing their coaching efforts on the rookies or poor performers. Offer coaching to your top performers. They will value the extra guidance on top-level issues, and it’s important to keep them happy. Leverage the expertise of your own people. Build a company e-learning program that enables your more experienced team members to share their expertise with newer employees. Let them be the subject-matter experts who provide some of the training, and reward them for doing so. Offer training in both “hard” and “soft” skills. Some of your team members need training in skillbased areas, while others probably need training in “soft” skills like negotiation, resolving conflicts and being more customer-focused. Attach specific goals to the training. Ask every team member what he or she hopes to gain from the training and how it can also benefit the organization. After the training, have your managers find out to what extent the training lived up to those expectations. This will help you evaluate the ROI. Communicate and celebrate training outcomes. If a training program was at least partially responsible for a team member being promoted, let everyone in the organization know about it. This is an effective way to reinforce the connection between the training you offer and the advancement of those who take the training. Measure the effectiveness of your training program. Consider using a feedback app, which can contain different sets of several questions for different situations. You can repeat the questions at various intervals to create a trend analysis. Use a SharePoint-based intranet to help employees track the progress they make in implementing improvements. Building a training culture requires an ongoing commitment and strategy. Unfortunately, too many agencies, firms and companies have a set-it-and-forget- it formula, which does not move the needle in the proper direction. The rewards of establishing a training culture will help turn each of your top goals and objectives into reality, in increased productivity, expanded markets, recruitment and ultimately retention. An Effective Training Platform for Managers and Advisors An effective resource for training financial advisors is Hoopis Performance Network, which features online, on-demand, total video-based training built on four Disciplines of Success with access to more than 400 sessions. The coursework can be either self-study or facilitator-led, and it complements any firm, agency or company training programs and marketing selling systems. Your advisors can access the video training anytime, anywhere, on their computers, smartphones, or tablets. It’s a cost-effective, time-efficient way to increase productivity, thus retention. An effective resource for training new or experienced sales leaders is HPN, an innovative virtual platform designed for financial leaders who are building a region, an agency or firm, a sales unit, or a sales team. You can get access to hundreds of high-impact sessions for all levels of experience, divided into five distinct elements of success. These sessions are short and easily digestible, averaging less than 10 minutes. Your managers can access the video training anytime, anywhere, on their computers, smartphones, or tablets. 10 Tips for Building a Training Culture

Founder and CEO at High Note Wealth Katherine Forrester Founder and CEO at High Note Wealth Katherine is the Director of Business Development and Co-Founder of High Note Wealth and brings over 23 years of wealth management industry expertise to the business. She founded the firm with her brother Michael Forrester on the belief that all clients should be treated like family. Katherine was a recipient of the 2016 Top 50 Women in Business Award (Minneapolis Business Journal) and the 2017 and 2011 Top Women in Finance Award (Finance & Commerce magazine). In addition, she has been a regular contributor to FOX9's morning news show, sharing her expertise on personal finances for families and individuals. Always active in the community, Katherine is a former board member of the Ridgeview Medical Center Foundation and Northwestern Mutual's FRA Board. She continues to give back to others through her work with the Schneewind Family Foundation, Women’s Violence, The Animal Humane Society and the ABC Foundation. Katherine earned a Bachelor of Arts degree in music therapy from the University of Minnesota and holds the Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU*) designations. Katherine lives in Excelsior with her husband, Randy, and son, Remington, who attends Chinese Immersion School at Excelsior Elementary. She has two step-daughters who she adores, Brooke and Kate. Brooke is currently studying interior design at Samford University. Kate is a mental health practitioner at MN Adult & Teen Challenge and lives with her son Mason and husband Kevin, who is retired from the US Marine Corp and is currently pursuing his degree at the University of St. Thomas, in Minneapolis. A former country music singer and avid musician, Katherine also enjoys traveling, family gatherings and self improvement pursuits. On September 8, 2013, she achieved her lifelong goal of finishing the lronman Triathalon in Madison, Wisconsin where she swam, biked and ran 140.6 miles with a finishing time of 14:02:02. Previous Speaker Go back to Speaker Network Next Speaker

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Next Item Previous Item Go back to White Papers List In working with companies of all sizes, we see a lot of wasted effort related to training. One mistake companies make is failing to focus on accountability and implementation after sending salespeople through training. We Forget Most Training Almost Immediately In 1885, German psychologist Herman Ebbinghaus proposed what he called the “forgetting curve.” He created a mathematical representation of the exponential rate at which we lose a memory “if no attempt is made to retain it.” In general, about 70 percent of a memory is lost within the first 24 hours. If we do nothing to focus on retaining that valuable training, then the time, money and effort we’ve spent on training is wasted. Not only do we forget what we learned in training sessions; we lose the momentum from those sessions after a while, too. Successful sales trainers know that if people do not integrate the skills they learn into their daily routine within three days, the initial enthusiasm of a sales training event wears off quickly, and no real change occurs. The Solution: Implementation and Accountability So how can you make sure salespeople retain more of what they learn? By having them implement what they learned right away. This requires having your sales leaders build in accountability with salespeople who go through training to ensure that they implement what they learned within 72 hours. Tips for Enhancing Knowledge Retention Here are some effective ways to enhance retention of that new knowledge: Before the sales training, provide your sales leader with instruction or training on how to hold salespeople accountable for implementing what they learn during the training within 72 hours. Have each salesperson identify changes he or she will make as a result of the training, by specific dates, in writing. Have the salespeople who completed the training meet in a follow-up session with their sales leader to discuss which strategies they plan to adopt, and by when. Assign someone the task of taking notes on these decisions and sending them to the salespeople and sales leader. Have the sales leader follow up on those dates to see if the changes were implemented on time. If you have coaches or mentors in your organization, get them involved in this implementation process. Measure the effectiveness of the new strategies after a specific amount of time. Train Sales Leaders on How to Hold Salespeople Accountable Because implementation and accountability are so important for knowledge retention, it is just as important to train the sales leaders as it is to train the sales force. When you commit to training your first- and second-line managers, they become part of the solution. Teach your sales leaders (1) how to make sure the salespeople implement the new material as soon as they return to the office and (2) how to hold them accountable for doing so. It is important for sales leaders to understand how to implement effective classroom resources, whether local or virtual, as well as the valuable techniques salespeople learn in joint sales calls. A home office or agency trainer may be responsible for dozens or hundreds of people to train. Many smaller firms do not have a full-time trainer on staff. By investing in sales leaders, both companies and firms can improve their results because the firm’s management team can do its job to make sure the sales force uses the information. Measure the Training’s Effectiveness Some training programs are more effective than others. If a training session proves to be of little use, you need to know that so you don’t invest in it again. Here are some ways to measure how effective the training is: After six months or one year, ask the salespeople who went through the training to rate it. Create a form for this purpose, and evaluate the collective opinions. Include both quantitative rankings (such as a ranking of 1 to 7 on various aspects of the training), as well as qualitative feedback, to include details about why the training was or was not effective. Ask your sales leaders to assess the training session’s overall effectiveness separately. Have them quantify, if possible, the impact the training had on sales so you can compare that number with the cost of the training. In Summary To ensure that you’re getting an optimum return on your training investment, make sure salespeople start implementing what they learned within 72 hours. And train your sales leaders on how to hold the salespeople accountable for doing so. Finally, assess the training after enough time has passed to determine its effectiveness. Use that feedback to determine how to spend future training dollars. Consider Hoopis Performance Network for Advisor Training Check out Hoopis Performance Network, which features online, ondemand, video-based training built on four Disciplines of Success with access to more than 400 sessions. HPN provides educational and training resources to launch, retool and reenergize all levels of financial professionals and staff. The curriculum is designed to help establish the cornerstones of a producer’s practice to ensure consistent growth and retention through higher levels of productivity. A Simple Way to Get More Out of Your Training Investment

Field Director Don Badgley Field Director Don Badgley is a Field Director with a major U.S. Financial Services company and has been practicing since 1986. He specializes in Life, Disability and Long-Term Care Insurance. He leads Seminars around the country and has been Field Faculty for that company’s training school since 2000. Don is now a featured contributor on the Hoopis Performance Network. Don is also a qualifying and life member of the Million Dollar Round Table (MDRT) and a multi-year recipient of the National Sales Achievement and National Quality awards. Previous Speaker Go back to Speaker Network Next Speaker

Referral Coach Bill Cates Referral Coach Bill Cates, CSP, has revolutionized the way financial professionals generate an abundance of high-quality clients through referrals and personal introductions. His first two books, Get More Referrals Now! (McGraw-Hill) and Don’t Keep Me a Secret! (McGraw-Hill) have established Bill as the financial services industry’s foremost expert on building a thriving referral-based business. Bill’s newest book, “Beyond Referrals” (McGraw-Hill) is a groundbreaking next step in client acquisition. Cates introduces his Perpetual Revenue System™ that takes referrals to introduction, appointments, and the ultimate goal – a new client. Cates is the president of Referral Coach International, founder of Referral Coach Academy™, and the creator of The Referral Advantage Program® Cates’ has trained over 70,000 financial professionals worldwide in his proven system. Cates is an MDRT Main Platform speaker and was inducted into the Professional Speakers Hall of Fame in 2010. He’s a highly sought after speaker because of his unique blend of high-content, humor, and motivation. Bill offers two video-based training programs: Individuals should check out his complete self-study system and leaders/managers should check out his group training program. Previous Speaker Go back to Speaker Network Next Speaker

Financial Advisor with Northwestern Mutual Financial Network Ian Freeman CLU, ChFC, CASL, AEP Financial Advisor with Northwestern Mutual Financial Network After graduating from Wesleyan University in 1980 with an interdisciplinary major in government, history, economics, and philosophy, Ian became a banker and investment banker before joining Northwestern Mutual in October of 1987. Starting with a $5,000 loan from his uncle, heavy debt, and major anxiety, Ian went nearly 4 months in the business without writing a policy. By the end of that first year, he was the leading first-year agent in the Eastern region. Ian followed that by being the leading second and third-year agent in Eastern region, one of the few representatives ever to lead all three years. In his 29 year career, Ian has written over 3,800 lives and has over $1.3 billion of death benefit in force. As a measure of consistency, 100 lives written in a year is a benchmark, and Ian has done that every year except one (he wrote 98.5 – still a sore spot!) He ranks in the top 40 in career production in the history of Northwestern Mutual, and is a life and qualifying member of the Million Dollar Round Table, consistently qualifying for Court of The Table or Top of the Table honors. Ian is most proud that he is one of only 27 representatives out of 6,500 that have qualified for the Northwestern Forum, the highest measure of production at that company, every year since its inception. Ian holds the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Chartered Advisor for Senior Living (CASL), and Accredited Estate Planner (AEP) designations, and is a member of NAIFA and AALU. Ian considers himself to be an old-fashioned, traditional representative working primarily in the personal market. His passion and commitment to his clients are the driving forces in his practice and carry through to his team of three dedicated associates. Ian is considered a “living legend” at Northwestern Mutual not just because of his production but because of how much time he has given back to mentoring agents throughout the country. In his “spare time” Ian has been President of the Financial Representative Association at Northwestern Mutual, the primary link between their field and home office. Less than 80 representatives in the history of the company have held this honor. Ian has served on countless committees and his counsel is often sought by senior management. He regularly gives dynamic main platform presentations throughout the U.S. to help explain the basics of insurance. He is active in several charitable organizations in Connecticut and Florida. Previous Speaker Go back to Speaker Network Next Speaker

Trustworthy Selling MultiLine can help your agents proactively pivot to life insurance and financial services conversations in order to serve more of their customers’ financial needs. Multiline Edition Understand how today’s consumers really make financial choices. Engage consumers by aligning to their mindset and preferences. Naturally pivot to life and financial needs by engaging in courageous conversations. Quickly build trust using proven questioning and collaborative discovery skills. Motivate today’s consumers to act on their intentions. Create cross-selling opportunities with communication techniques that deepen relationships. Your Multiline Agents Will: Equip Your Multiline Agents With the Skills and Confidence To Successfully Pivot to the Life Insurance and Financial Services! Most consumers today are looking for trustworthy financial professionals who can help them address all of their insurance and financial needs. Unfortunately, many don’t realize their home and auto agent is a full-service financial representative. Trustworthy Selling MultiLine can help your agents proactively pivot to life insurance and financial services conversations in order to serve more of their customers’ financial needs. The Language of Trust Diagnose Before You Prescribe Language Demo: Building Trust, Rapport & Credibility Leveraging the Power of Silence Storyselling Check out Some of Our Trustworthy Selling MultiLine Content! It united LIMRA consumer research with field-tested language and techniques drawn from HPN’s network of successful new advisors. New skills are mastered through practice, role play, application projects and follow up coaching. Lessons are made memorable through use of real-life case studies. Content is easily incorporated into day-to-day activities with a language reference guide, demonstration videos and other online resources. Why Multiline Edition Works: Schedule a Demonstration Contact Us Multiline Product Sheet Download Download Now Multiline Edition

HPN digital content and learning solutions are designed to fit your organization’s unique needs. Our content solutions are scalable, customizable and designed to increase advisor productivity and retention. Digital Learning Solutions for Advisor Development Gain Trial Access and Experience Our Digital Content Today! Trial Access Sales Skills Prospecting Telephoning Factfinding Closing Sales Psychology Handling Objections Virtual Selling Generational Buying Differences Practice Management Goal Setting Time Management Activity Management Client Building Team Selling Staff Development Digital Practice Operational Best Practices Marketing Networking Social Media Marketing Target Marketing Cross-Selling Center of Influence Development Understanding Life Events Giving Presentations Product Knowledge Life Insurance Annuities Disability Insurance Understanding IRAs Qualified Retirement Plans Long Term Care Insurance Critical Illness Insurance Multiline Solutions Planning Concepts Saving & Investing Retirement Planning College Planning Business Planning Estate Planning Life Event Planning Overview of Social Security Understanding Medicare Motivation & Inspiration The Power of Purpose Mental Toughness Overcoming Rejection and Adversity Real Impact Stories Power of Risk Management Planning Check Out Just Some of the Topics Within Our Content Library Looking to get new advisors off to a fast start or reignite experienced advisors to get to the next level? Either way, our digital content and learning solutions are designed to fit your organization’s unique needs. Our content solutions are scalable, customizable and designed to increase advisor productivity and retention. Interested in a FREE “Test Drive” of Our Content? Test Drive eLearning Knowledge Checks and Action Items for Performance Improvement Ability to Easily Enroll Learners in Courses and Learning Paths Reporting and Analytics for Greater Accountability Around Learning On Demand Classroom Training Modules (virtual and in person) Coaching Resources Including Guides, Assessments and Tutorial Videos Skill Assessment to Identify Strengths and Areas of Development Additional Advisor Development Tools and Resources In addition to our digital content, we also provide turnkey training and coaching tools for managers including: How to Conduct an Annual Policy Review History and Numbers Behind Social Security Choices for Medicare Coverage Understanding Social Security and FICA Tax How to Find Networking Opportunities The Financial Services Education Network content library provides the Science through hundreds of micro-learning modules focused on education and knowledge. Eszylfie Taylor – Personal Observation Strategies for Better Prospecting Tom Hegna – Don’t Worry, Retire Happy: 7 Steps to Retirement Security Sabine Robinson – Understanding the Art & Science of High Activity David Resseguie – 3 Powerful Tips for Building Better Phoning Habits Ellen Rogen – Leveraging Presentation Skills to Move Clients to Action The HPN University content library provides the Art by focusing on the skills, best practices and execution methods of the top experts and practitioners in financial services. Check Out Some of Our Sample Videos! We’ve combined the two most powerful digital content libraries in the world, equipping you and your advisors with the Art and Science of learning and development. Digital Learning Solutions for Advisor Development

At Hoopis Performance Network, we care about your privacy and security, and want you to know how we collect, use, share, and protect your personal information and what choices you have regarding your data. Privacy Policy Hoopis Performance Network, LLC (“HPN”) values our customers’ participation, interests and needs, and takes great pride in its relationships with its customers. In order to provide our services as well as information regarding those services, HPN will occasionally ask you to provide us information about yourself and/or your business. This Privacy Policy describes the information we collect and how we use that information. If you have questions or concerns regarding this Privacy Policy, you can contact HPN at info@hoopis.com . By providing HPN with personal information, you expressly agree to the terms of this Privacy Policy and consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. Also, by using the Service, you agree to the collection and use of information in accordance with this Privacy Policy. If you choose to visit www.hoopis.com or use any of our apps or services, your visit and any dispute over privacy is subject to this Policy and our Terms & Conditions. This Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your information when you use the Service and tells you about your privacy rights, including how the law protects you. To have your personally identifiable information deleted from HPN systems, you may email [insert email], use our contact information form [insert link], or click here to MANAGE YOUR PERSONAL INFORMATION [make this a clickable link]. This Privacy Policy describes how and why HPN might collect, store, use, and/or share ("process") your information when you use our services, such as when you: Visit our website at http://www.hoopis.com , or any Website of ours that links to this Privacy Policy. Download and use our mobile applications, or any other application of ours that links to this Privacy Policy Engage with us in other related ways, including any communications, content or course interactions, or other methods. Questions or concerns? Reading this Privacy Policy will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at: info@hoopis.com Interpretation and Definitions Interpretation The words of which the initial letter is capitalized, or lower-case words referred to below, are defined as follows. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural. Definitions For purpose of this Policy, the following definitions shall apply: Account means a unique account created for you to access our Service or parts of our Service. Affiliate and Business Partners includes our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us or with whom we have a contractual business relationship. Application refers to apps created by HPN or any software program provided by the Company. re Controller means a person or organization which, alone or jointly with others, determines the purposes and means of the processing of Personal Information. Cookies are small files that are placed on your computer, mobile device or any other device by a website.. Device means any device that can access the Service such as a computer, a cell phone, or a digital tablet. 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Overview General overview of the information we collect HPN collects and stores a limited amount of personally identifiable information from the users of its Services. The first kind of information we collect and store is information you provide to us. When you express an interest in obtaining various products and services from us, you may provide us with several types of personally identifiable information, which may include your name, e-mail address, usernames or passwords. We may also collect or obtain additional information concerning the types of products you ordered or purchased, and the date of the order or purchase, when you register on, log on, or visit our Website or any of our Service Providers. Overview of the use and disclosure of information We use the information we collect about you in order 1) to provide our services, 2) to provide customer service, 3) to improve our services and 4) to provide you information regarding our services and those of our affiliates. We give access to personally identifiable information only to those HPN staff members who require access to fulfill these functions. We also employ other Service Providers to provide and perform certain Website and e-commerce related functions on our behalf, such as fulfilling orders, analyzing data, processing credit card payments and providing customer service. These companies and individuals may have access to personal information needed to perform these functions, but may not use it for any other purposes. These companies may also have their own privacy policies governing use of their individual services. We may also communicate with you via e-mail, U.S. mail or telephone to provide requested goods and/or services, answer questions regarding those goods and/or services, complete transactions requested by you, such as your purchase or return of a product, resolve complaints, or send you administrative communications either about your account with us or about important changes to our Services, which may include any future changes to this Privacy Policy. Generally, you cannot opt out of these communications, but they will be primarily informational in nature rather than promotional. Regardless of any opt-out choices that you make, HPN may disclose personal information when it believes in good faith that such disclosures (a) are required by law, including, for example, to comply with a court order or subpoena or (b) will help to enforce any terms and conditions of use on our Website; protect your safety or security, including the safety and security of property that belongs to you; and/or, protect the safety and security of our Website, HPN, and/or third parties, including the safety and security of property that belongs to HPN or third parties. This includes exchanging information with other companies and organizations for fraud protection and risk reduction. Finally, in the event that all or substantially all of the assets relating to Hoopis Performance Network or www.hoopis.com are transferred or sold to another entity, personally identifiable information submitted to us may be transferred to the acquiring entity. 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When you access the Service by or through a mobile Device, HPN may collect certain information automatically, including, but not limited to, the type of mobile Device you use, your mobile Device’s unique ID, the IP address of your mobile Device, your mobile operating system, the type of mobile Internet browser you use, and other diagnostic data. We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile Device. Tracking Technologies and Cookies HPN uses Cookies and similar tracking technologies, such as beacons, tags, and scripts, to track the activity on our Service and to collect and store certain information used to improve and analyze our Service. The technologies we use may include: Cookies or Browser Cookies. A cookie is a small file placed on your Device. You can instruct your browser to refuse all Cookies or to request your permission whenever a Cookie is being sent. 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The purpose of these Cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you use the Website. For more information about the Cookies we use and your choices regarding Cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy. Use of Your Personal Information Hoopis Performance Network, LLC may use Personal Information for the following purposes: To provide and maintain our Service, including to monitor the usage of our Service. To manage your Account: to manage your registration as a user of the Service. The Personal Information you provide can give you access to different functionalities of the Service that are available to you as a registered user. For the performance of a contract: the development, compliance and undertaking of a contract for the products or services you have purchased or of any other contract with us through the Service. To contact you: To contact you by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications, regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation. To manage your requests: To attend and manage your requests to HPN. For business transfers: We may use your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by us about our Service users is among the assets transferred. For other purposes: We may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience. HPN may share your personal information in the following situations: With Service Providers: We may share your personal information with Service Providers to monitor and analyze the use of our Service, or to contact you. For business transfers: We may share or transfer your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of our business to another company. With Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include our parent company and any other subsidiaries, joint venture partners or other companies that we control or that are under common control with us. With business partners: We may share your information with our business partners to offer you certain products and services. With other users: when you share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside of HPN. With your consent: We may disclose your personal information for any other purpose with your consent. Retention of Your Personal Information HPN will retain Your Personal Information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. HPN will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a short period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods. Transfer of Your Personal Information Your information, including Personal Information, is processed at HPN's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. HPN will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Information will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information. Delete Your Personal Information You have the right to delete or request that HPN assist in deleting the Personal Information that we have collected about you. Our Service may give you the ability to delete certain information about you from the Service. You may update, amend, or delete your information at any time by contacting us to request access to, correct, or delete any personal information that you have provided to us. Please note, however, that we may need to retain certain information when we have a legal obligation or lawful basis to do so. Disclosure of Your Personal Information Business Transactions If HPN is involved in a merger, acquisition or asset sale, your Personal Information may be transferred. We will provide notice before your Personal Information is transferred and becomes subject to a different Privacy Policy. Law enforcement Under certain circumstances, HPN may be required to disclose your Personal Information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency). Other legal requirements HPN may disclose your Personal Information in the good faith belief that such action is necessary to: Comply with a legal obligation Protect and defend the rights or property of the Company Prevent or investigate possible wrongdoing in connection with the Service Protect the personal safety of Users of the Service or the public Protect against legal liability Security of Your Personal Information The security and confidentiality of your information is extremely important to HPN but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to meet security standards and use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. We have implemented technical, administrative, and physical security measures to protect customer’s information from unauthorized access and improper use. Please be aware that, despite our best efforts, no security measures are perfect or impenetrable. HPNwill take reasonable precautions to protect Personal Information in its possession from loss, misuse and unauthorized access, disclosure, alteration, and destruction, taking into due account the risks involved in the processing and the nature of the Personal Information. Mobile Specific Information Mobile Device Access: We may request access to or permission to use certain features from your mobile device, including (but not limited to) your mobile device's camera, reminders, storage, and other features. If you wish to change our access or permissions, you may do so in your device’s settings. Push Notifications: We may request to send you push notifications regarding your account or certain features of the application(s). If you wish to opt out from receiving these types of communications, you may turn them off in your device's settings. Content Information: Apps created by HPN are not designed to collect or display end-user provided content or any content uploaded by you. For your privacy, we do not allow users to upload video, we do not collect user videos, and we do not display user collected videos. All content found within HPN apps including (but not limited to) any designs, images, animations, videos, audio files, fonts, logos, illustrations, compositions, artworks, interfaces, text, drawings, literary works and any other materials have been created by HPN or its partners for users of our app as part of our Service. HPN content and courses are created and developed under copyright and license agreements giving contractional permission for HPN to distribute this developed content to our users. All content, including videos, found within our mobile apps are privacy-released by our performers and content partners with permission to display that content to our users within our apps. Additional collected app information: Any additional information that you provide or is collected though usage of our apps is primarily needed to maintain the security and operation of our application(s), for troubleshooting, and for our internal analytics and reporting purposes. Any other additional information you provide may be collected for any other purpose with your consent. All personal information that you provide to HPN must be true, complete, and accurate, and you must notify us of any changes to such personal information. Controls for DO-NOT-TRACK features Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, HPN does not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice. Links to Other Websites Our Service may contain links to other websites that are not operated by HPN or covered by this privacy policy. If you click on a third-party link, you will be directed to that third party's site. WE STRONGLY ADVISE YOU TO REVIEW THE PRIVACY POLICY OF EVERY SITE YOU VISIT. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. Children's Privacy Our Service is not addressed to anyone under the age of 18. HPN does not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from anyone under the age of 18 without verification of parental consent, we will remove that information from our servers. HPN does not knowingly collect personal information from or conduct business with minors (under the age of 18) and we ask that minors do not submit any personal information to us via this Website. California Residents California Civil Code Section 1798.83, also known as the "Shine The Light" law permits our users who are California residents to request and obtain from HPN, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below. CCPA Privacy Notice This section applies only to California residents. Under the California Consumer Privacy Act (CCPA), you have the rights listed below. The California Code of Regulations defines a "residents" as: (1) every individual who is in the State of California for other than a temporary or transitory purpose and (2) every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose All other individuals are defined as "non-residents." If this definition of "resident" applies to you, we must adhere to certain rights and obligations regarding your personal information. Your rights with respect to your Personal Information Right to request deletion of the data — Request to delete You can ask HPN for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation, or any processing that may be required to protect against illegal activities. Right to be informed — Request to know Depending on the circumstances, you have a right to know: whether we collect and use your personal information; the categories of personal information that we collect; the purposes for which the collected personal information is used; whether we sell or share personal information to third parties; the categories of personal information that we sold, shared, or disclosed for a business purpose; the categories of third parties to whom the personal information was sold, shared, or disclosed for a business purpose; the business or commercial purpose for collecting, selling, or sharing personal information; and the specific pieces of personal information we collected about you. In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request. Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights We will not discriminate against you if you exercise your privacy rights. Right to Limit Use and Disclosure of Sensitive Personal Information We will not collect or process your Sensitive Personal Information. Verification process Upon receiving your request, HPN will need to verify your identity to determine you are the same person about whom we have Personal Information in our system. These verification efforts require us to ask you to provide information so that we can match it with information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g., phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate. HPN will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you. Other privacy rights You may object to the processing of your personal information. You may request correction of your Personal Information if it is incorrect or no longer relevant or ask to restrict the processing of the information. You can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA. You may request to opt out from future sharing of your Personal Information to third parties. Upon receiving an opt-out request, we will act upon the request as soon as feasibly possible, but no later than fifteen (15) days from the date of the request submission. To exercise these rights, you can contact us by email at info@hoopis.com , by calling toll-free at (847) 716-1800, or by referring to the contact details at the bottom of this document [insert a link to exercise these rights. If you have a complaint about how we handle your data, we would like to hear from you. Users Located Outside the United States If you are visiting HPN Sites outside the United States, please be aware that information we collect from the Sites will be transferred to, and processed in, the United States and other countries. By using the Sites, you acknowledge and consent to the transfer and processing of your Personal Information in the United States as described in this Policy.[insert link – I AGREE] GDPR Privacy This section applies only to residents and citizens of the European Union. Legal Basis for Processing Personal Information under the General Data Protection Regulation (the “GDPR”) HPN may process Personal Information under the following conditions: Consent: you have given your consent for processing Personal Information for one or more specific purposes. Performance of a contract: Provision of Personal Information is necessary for the performance of an agreement with you and/or for any pre-contractual obligations thereof. Legal obligations: Processing Personal Information is necessary for compliance with a legal obligation to which HPN is subject. Vital interests: Processing Personal Information is necessary in order to protect your vital interests or of another natural person. Public interests: Processing Personal Information is related to a task that is carried out in the public interest or in the exercise of official authority vested in the Company. Legitimate interests: Processing Personal Information is necessary for the purposes of the legitimate interests pursued by HPN. In any case, HPN will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Information is a statutory or contractual requirement, or a requirement necessary to enter into a contract. Your Rights under the GDPR HPN undertakes to respect the confidentiality of your Personal Information and to guarantee you can exercise your rights. You have the right under this Privacy Policy, to: Request access to your Personal Information. The right to access, update or delete the information we hold about you. You can access, update or request deletion of your Personal Information by contacting us to assist you. This also enables you to receive a copy of the Personal Information we hold about you. Request correction of the Personal Information that we hold about you. You have the right to have any incomplete or inaccurate information we hold about you corrected. Object to processing of your Personal Information. This right exists where we are relying on a legitimate interest as the legal basis for our processing and there is something about your particular situation which makes you want to object to our processing of your Personal Information on this ground. You also have the right to object where we are processing your Personal Information for direct marketing purposes. Request erasure of your Personal Information. You have the right to ask us to delete or remove Personal Information when there is no good reason for us to continue processing it. Request the transfer of your Personal Information. HPN will provide to you, or to a third-party you have chosen, your Personal Information in a structured, commonly used, machine-readable format. Please note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you. Withdraw your consent. You have the right to withdraw your consent to our use of your Personal Information. If you withdraw your consent, we may not be able to provide you with access to certain specific functionalities of the Website. Exercising your GDPR Data Protection Rights You may exercise your rights of access, rectification, deletion, and objection by contacting us. Please note that we may ask you to verify your identity before responding to such requests. If you make a request, we will try our best to respond to you as soon as possible. You have the right to complain to a data protection authority about our collection and use of your Personal Information. For more information, if you are in the European Economic Area (EEA), please contact your local data protection authority. Members of the EU whose data is transferred into the U.S. and Data Privacy Framework HPN complies with the EU-U.S. Data Privacy Framework (the “EU-U.S. DPF”) as set forth by the U.S. Department of Commerce. HPN has certified to the U.S. Department of Commerce that it adheres to the EU-U.S. Data Privacy Framework Principles with regard to the processing of Personal Information received from the European Union in reliance on the EU-U.S. DPF. To learn more about the Data Privacy Framework (“DPF”) program, and to view our certification, please visit https://www.dataprivacyframework.gov/ Data Privacy Overview The U.S. Department of Commerce and the European Commission have agreed on a set of data protection principles and associated supplemental principles to enable U.S. companies to satisfy European Union (“EU”) law by requiring that Personal Information transferred from the EU to the U.S. be adequately protected (the “EU-U.S Data Privacy Framework (EU-U.S. DPF)”). The European Economic Area (the “EEA”), which as of the date of this Policy includes all member states of the EU plus Iceland, Liechtenstein, and Norway, have recognized the EU-U.S. Data Privacy Framework as providing adequate protection of Personal Information. Should there be any conflict between the EU-U.S. Data Privacy Framework Principles and this Policy, this Policy shall be interpreted to be consistent with the EU-U.S. Data Privacy Framework Principles. Scope This Policy applies to all Personal Information received by HPN in the United States from the EEA either directly from individuals, from its affiliates or from other third party organizations, and in any format whatsoever, including electronic, paper or oral transmission. This Policy also applies to HPN’s Service Providers that process Personal Information received by HPN or its affiliates from the EEA on HPN's behalf. Privacy Principles for Transfer of Personal Information Received from the EEA The privacy principles set forth in this section have been developed based on the EU-U.S. Data Privacy Framework Principles. Notice Where HPN collects Personal Information directly from individuals in the EEA or receives it from its European affiliates, it or its European affiliates will inform those individuals about the purposes for which they collect and use Personal Information about them; the transfer of Personal Information to HPN in the U.S.; the types or identity of third parties to which HPN discloses that information and the purposes for which it does so; and the choices and means HPN offers individuals for limiting the use and disclosure of their Personal Information. Notice will be provided in clear and conspicuous language when individuals are first asked to provide Personal Information to HPN or as soon as practicable thereafter, and in any event before HPN uses the information for a purpose other than that for which it was originally collected. HPN may, from time to time, process certain Personal Information about customers, business partners, suppliers, vendors, Service Providers, employees and candidates for employment, including information recorded and stored on various types of media, including electronic media. Hoopis Performance Network will process these types of data in conformity with the EU-U.S. Data Privacy Framework Principles and will continue to apply the Principles to Personal Information received under the application of the DPF as long as it holds this data. Purposes for which we may collect and use Personal Information from our customers, consumers and other non-employees include: Communicating to individuals about our products, services and related issues. Evaluating the quality of our products and services. Allowing individuals to register for our Websites and administering and processing these registrations. Transferring Personal Information in connection with HPN’s legal, regulatory compliance and auditing purposes. Facilitating HPN’s internal administrative purposes and application functionality; and maintaining, administering, and complying with HPN’s legal, regulatory compliance and auditing obligations, policies, and procedures. Execution of contracts and delivery of our products and services to customers. We may share Personal Information within HPN’s U.S. Affiliates. HPN may also share Personal Information with its third-party Service Providers for the sole purpose of, and only to the extent needed, to support HPN’s or our customers’ business needs. We may also disclose Personal Information to our Service Providers in the U.S. and other third parties when required to do so under law or by legal process. Third Party Service Providers are required to keep Personal Information received from HPN confidential and may not use it for any purpose other than originally intended. Choice HPN will offer individuals in the EEA the opportunity to choose (by either opt-out or opt-in) if their Personal Information is (a) to be disclosed to a third party that is not acting on HPN’s behalf, or (b) to be used for a purpose materially different from the purpose for which it was originally collected or subsequently authorized by the individual. [insert link to opt in or out] HPN will provide individuals with reasonable, clear and conspicuous and readily available mechanisms to exercise these choices. Accountability for Onward Transfer HPN will transfer Personal Information to Service Providers only for limited and specific purposes. HPN will obtain contractual assurances from its Service Providers that they will safeguard Personal Information in a manner consistent with this Policy and that they will provide at least the same level of protection as is required by the relevant EU-U.S. Data Privacy Framework Principles. HPN recognizes its responsibility and potential liability for onward transfers to Service Providers. Where HPN has knowledge that a Service Provider is using or disclosing Personal Information in a manner contrary to this Policy and/or the level of protection required by the EU-U.S. Data Privacy Framework Principles, HPN will take reasonable steps to prevent, remediate or stop such use or disclosure. If HPN transfers Personal Information to non-agent third parties acting as a Controller, HPN will apply the foregoing Notice and Choice principles and will obtain contractual assurance from these parties that they will provide the same level of protection as is required under the principles, unless derogation for specific situations under European data protection law applies. Access You can review the personal information you provided us and make any desired changes to such information at any time by requesting a copy of the information maintained by HPN about you at info@hoopis.com. Upon request and in accordance with the EU-U.S. Data Privacy Framework Principles, HPN will grant individuals reasonable access to their Personal Information that is held by HPN. In addition, HPN will take reasonable steps to permit individuals to correct, amend, or delete their Personal Information that is demonstrated to be inaccurate, incomplete or processed in violation of the EU-U.S. Data Privacy Framework Principles. In accordance with the EU-U.S. DPF Principles, Hoopis Performance Network may limit or deny access to Personal Information where the burden or expense of providing access would be disproportionate to the risks to the individual’s privacy, where the legitimate rights of persons other than the individual would be violated or if necessary to safeguard important countervailing public interests (e.g., national security) or in other limited circumstances (e.g., disclosure would breach a legal or other professional privilege). Data Integrity and Purpose Limitation HPN will use Personal Information only in ways that are compatible with the purposes for which it was originally collected or as subsequently authorized by the individual. HPN will also take reasonable steps to ensure that Personal Information is relevant to its intended use, accurate, complete, and current. HPN will adhere to the EU-U.S. Data Privacy Framework Principles with respect to Personal Information received under its EU-U.S. DPF certification for as long it retains said information. Recourse, Enforcement and Liability HPN utilizes the self-assessment approach to verify its compliance with those sections of its Policy adopted pursuant to the EU-U.S. DPF. HPN periodically verifies that those sections are accurate, comprehensive for the information intended to be covered, prominently displayed, completely implemented, and in conformity with the EU-U.S. Data Privacy Framework Principles. HPN will investigate complaints and disputes regarding use and disclosure of Personal Information in accordance with the EU-U.S. Data Privacy Framework Principles. HPN will also investigate suspected infractions of this Policy. HPN’s participation in the EU-U.S. Data Privacy Framework is subject to investigation and enforcement powers of the Federal Trade Commission (FTC). HPN encourages interested persons with questions or concerns relating to this Policy to contact us using the contact information below. In compliance with the EU-U.S. DPF, HPN commits to resolve DPF-Principles-related complaints about our collection and use of your Personal Information. EU individuals with inquiries or complaints regarding our handling of Personal Information received in reliance on the EU-U.S. DPF should first contact HPN at: Hoopis Performance Network, LLC ATTN: Paul Malave 650 Dundee Road, Suite #150, Northbrook, IL, 60062 Unites States Email: info@hoopis.com Phone: (847) 716-1800 In compliance with the EU-U.S. DPF, HPN commits to refer unresolved complaints concerning our handling of Personal Information received in reliance on the EU-U.S. DPF to EU data protection authorities or an alternative dispute resolution provider based in the European Union. If you do not receive timely acknowledgment of your DPF-Principles-related complaint from us, or if we have not addressed your DPF-Principles-related complaint to your satisfaction, please visit https://edpb.europa.eu/about-edpb/about-edpb/members_en for more information or to file a complaint. The services of EU data protection authorities are provided at no cost to you. Under certain conditions detailed in the EU-U.S. Data Privacy Framework, you may be able to invoke binding arbitration. If your DFP complaint cannot be resolved through the above channels, under certain conditions, you may invoke binding arbitration for some residual claims not otherwise resolved by other redress mechanisms. For more information about binding arbitration, visit https://www.dataprivacyframework.gov/s/article/G-Arbitration-Procedures-dpf?tabset-35584=2 [dataprivacyframework.gov]. HPN agrees to periodically review and verify its compliance with the EU-U.S. Data Privacy Framework Principles, and to remedy any issues arising out of failure to comply with the EU-U.S. DPF Principles. HPN acknowledges that its failure to provide an annual self-certification to the U.S. Department of Commerce will remove it from the Department’s list of EU-U.S. DPF participants. Limitations HPN may also be required to disclose, and may disclose, Personal Information in response to lawful requests by public authorities, including for the purpose of meeting national security or law enforcement requirements. HPN adherence to the EU-U.S. Data Privacy Framework Principles may be limited (a) to the extent necessary to meet applicable national security, public interest, or law enforcement requirements, e.g., in the course of lawful requests by public authorities (b) by statute, government regulation, or case law that creates conflicting obligations or explicit authorizations, provided that, in exercising any such authorization, an organization can demonstrate that its non-compliance with the principles is limited to the extent necessary to meet the overriding legitimate interests furthered by such authorization; or (c) if the effect of the Directive or Member State law is to allow exceptions or derogations, provided such exceptions or derogations are applied in comparable contexts. Data Privacy Framework Changes and Updates to EU-U.S. DPF Policy This Policy may be amended from time to time, consistent with the requirements of the EU-U.S. Data Privacy Framework Principles. Appropriate public notice will be given concerning such amendments. Contact Us Questions or comments regarding this Policy or our practices concerning Personal Information should be submitted to Hoopis Performance Network by mail or e-mail as follows: Hoopis Performance Network, LLC 650 Dundee Road, Suite #150, Northbrook, IL, 60062 Unites States Email: info@hoopis.com Phone: (847) 716-1800 Changes to this Privacy Policy HPN may update its Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. Updates shall be effective on the date the change is posted. If we are going to use or disclose your Personal Information in a manner materially different from that stated at the time we collected the information, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you with at least 30 days’ notice of the amended Privacy Policy. We will post the amended Privacy Policy prominently on our Website so that you can always review what information we gather, how we might use that information and whether we will disclose it to anyone. Please check the HPN Websites at any time for the most current version of our Privacy Policy. In addition: We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "Last updated" date at the bottom of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. Effective Date This Policy is effective as of September 01, 2023. Last updated: October 09, 2023.