Notice: Fulfill will no longer be available after 12/1/2019.

Policies & Terms

Thrivent Financial Privacy Notice

The Thrivent Financial Privacy Notice can be found at https://www.thrivent.com/privacy-and-security/privacy-notice.html

The following Privacy & Security Policy is written with respect to the Fulfill website and application.

Fulfill Privacy & Security Policy

Thrivent Financial* values your business and is committed to safeguarding the information you provide to us. Please review this policy to help you better understand our views and practices regarding privacy and security for the Fulfill website and application (“Fulfill Services”).

What information do we gather?

For security, to register for access to the Fulfill Services you will need to provide your email address and create a password. This information is used to identify you as a unique, authorized user. Thrivent will never ask you to provide or confirm your personal information through an email unless you have requested such an email or transaction from us. Never respond to an email (especially unsolicited email) which asks for personal or account information.

In other sections of the Fulfill Services, we may capture additional information you supply, including personal financial information, telephone number, financial account information from third parties you authorize, and other personal information in order to fulfill your request as detailed and consented to under the terms and conditions.

What other information do we capture?

Thrivent Financial's web server and the Fulfill website will automatically recognize your IP address when you visit our site or application as an anonymous visitor (without logging in). It does not recognize your email address. However, we do collect your email address if you communicate with us via email or provide your email address to us when enrolling in the Fulfill Services.

If you register for Fulfill Services, please keep your personal information, including your email address, up to date by following the instructions listed in the FAQ. Your email address will be used by you to retrieve a forgotten password and assist you in using other self-service features.

Thrivent collects aggregate information about the pages visited within the Fulfill Services. In the website, we also capture browser type and version, and screen resolution. In the Fulfill application, we may capture mobile device type, operating system, and version type. This information will assist us in providing a more user-friendly site and to aid in problem resolution if you experience technical difficulties while visiting the Fulfill Services. When you use the Fulfill Services we collect data about your activities that does not personally or directly identify you. This information may include the content you view, the date and time that you view this content, or the location information associated with your IP address.

Anytime you access or service your Fulfill Service accounts using your user ID and password to authenticate yourself, a record of your activity is maintained.

Thrivent Financial may use third party vendors and hosting partners to provide hardware, software, networking, storage, support or related technology required to run our websites and the Fulfill Services. In addition, we use third party providers to act as a data processor of any collected data. These third party providers also collect personally identifiable information on behalf of Thrivent in order to process your request, provide you the services you requested, and for Thrivent to use the information as authorized and consented by you.

In addition, the third party providers will aggregate anonymous collected data to improve the usability of the Fulfill Services. The third party providers will also store any collected data for later retrieval by Thrivent to review aggregate analytics and review a detailed history of your interactions with Thrivent. The third party providers may combine collected data with other relevant data in order to provide you with more information about relevant products and Fulfill Service offerings.

How can you update the personal information you provide?

You can change the information you provided at registration, including your current email address, through the Fulfill application. To update your profile:

  • To change your email address provided for notifications from Fulfill, enter the communications menu under settings.
  • To change your password, follow the instructions available at www.thrivent.com/faqs/#techsupport.

How do we protect your personal information?

We have strict standards of security to safeguard your data. We have physical, technical and administrative safeguards in place to protect your data. The technology we use to protect your data is reviewed often. We improve the process as needed. Within the security aspect of our program, we have implemented many security and privacy features and employ a team of full-time information security and privacy professionals to protect your information. Our program includes administrative, technical and physical safeguards that are reasonably designed to safeguard the security, confidentiality and integrity of the personal information you share with us.

Central to this program are:

  • Policies and standards to govern information technology resources, protect information assets, and safeguard personal information.
  • Use of appropriate technologies such as firewalls and encryption.
  • Monitoring and testing our systems to detect weaknesses and potential intrusions.
  • Maintaining access controls designed to restrict access to those with legitimate business need.
  • Taking reasonable steps to ensure our selected service partners maintain similar high standards and adhere to all legal and regulatory requirements.
  • Ongoing security and privacy awareness training of our employees.
  • Reviewing and updating our technologies, policies and programs at regular intervals in light of emerging risks and developments.

Only authorized employees, agents, contractors, and third parties may access and use data about you. All are trained to safeguard your data. Those who use your data must follow established standards, procedures and laws. Also, Thrivent Financial uses encryption technology when sending or requesting personal information via the Internet.

Your information may be accessible by third party vendors for the purpose of enabling them to store such data in connection with the permitted uses of your information and to fulfill your requests under this Privacy & Security Policy and Terms and Conditions. Our third party website and application providers have an obligation to maintain the confidentiality of the information, except where disclosure is required by law.

What do we do with the information we gather?

We do not share or exchange information gathered through use of the Fulfill Services with outside organizations that are not performing services for us or on our behalf or as permitted by law.

We use the information we gather about you in one or more of the following ways:

  • To verify your account ownership.
  • To fulfill your requests.
  • For general aggregate site visitor analysis and statistical research.
  • To increase visitor satisfaction in their online experience with Thrivent.
  • To provide you with information about features available on our website or application.
  • To provide you with information about products and services available through Thrivent and/or its affiliated and partner companies that may be of interest to you. You can opt out of receiving this information during or after registering for the application.
  • To help resolve any requests for support.
  • To provide you with security information to assist you in accessing our website or application.

How do you opt out of data sharing & email marketing?

To opt out of data sharing and email marketing write us at:

Thrivent
122 E College Ave Suite 1E

OR

By calling us toll-free at 866-226-5225. We are available to answer calls between the hours of 7 a.m. and 8 p.m., Central time Monday – Thursday; 7 a.m. to 6 p.m, Central time Friday; and 8 a.m. to 1 p.m. Central time on Saturday.

You also have the ability to update your preferences by submitting a Support Request within the Fulfill Services.

You may select one or more of the following options:

  1. Tell us not to share data about you within our family of companies. However, we may still share transactional and experiential data including the existence of your products, services or benefits; and data about you as needed by our fraternal operations.
  2. Direct us not to share data about you with other financial institutions with which we have joint marketing agreements. We do not share or exchange information gathered on this site with outside organizations that are not performing services for us or on our behalf.
  3. Request we remove your name from some or all of our internal marketing lists. You should know that our regular service mailings may still contain marketing materials. If you have opted in to receive electronic service notifications and/or confirmations, you will continue to receive such emails.
  4. In all states except California, Minnesota, North Dakota, New Mexico and Vermont, tell us not to share data about you with nonprofit Christian organizations. In California, Minnesota, North Dakota, New Mexico and Vermont, we do not share data about you with nonprofit Christian organizations.

How do we respond to "Do Not Track" signals?

Thrivent does not collect or share personally identifiable information about your online and application activities through web tracking mechanisms, therefore "Do Not Track" signals are not honored. Information collected or shared about your online or application activity does not identify you.

Do we use cookie technology?

Cookies are messages which often include anonymous unique identifiers given to your web browser by a web server. The browser stores the message on your computer. The message is sent back to the server each time your browser requests that site. For security reasons, cookies are not used for automatic access to secure areas on Thrivent Financial's websites. You need to type your user ID and password every time you log in to a secure access area.

Cookie technology, however, may be used in various sections of our website to provide you with customized services or advertising and increase the quality of your online experience. Thrivent may use cookies to create a unique identifier to recognize you as a repeat visitor on subsequent visits and to collect information about your activities on our website to serve you more relevant advertisements on Thrivent.com and with other third parties who may recognize the cookie technology and display Thrivent advertisements. The cookie uses this identifier to differentiate site visitors; it does not provide any personally identifiable information or directly identify you.

Cookies:

  • Cannot be used to reveal your email address obtained from your hard drive or learn confidential or personal information about you that you have not already explicitly revealed.
  • Cannot read data off your hard drive or read cookie files created by other sites.
  • Are not executable programs and cannot damage your computer or files on your computer.

How can you set or delete your computer's cookies?

You can set your computer's browser to opt-out of receiving and storing cookies, however, doing so may limit your access to certain sections of our site. You also can delete cookies stored on your computer's browser. The process to set or delete cookies differs by browser. See your browser's Help feature or contact the manufacturer for instructions on how to set/delete your browser's cookie options.

Do we use web beacons?

Web beacons (also known as web bugs, pixel/page tags and clear GIFs) are used with cookies to monitor the behavior of site visitors based on IP address. Thrivent Financial uses web beacons on its websites and in email communications for aggregate statistical purposes.

Do we use encryption technology?

Several areas within the Fulfill Services have been built to handle sensitive or confidential information. These pages utilize an internet method known as Secure Socket Layers (SSL). With SSL engaged, pages are sent to you in an encrypted (scrambled) format and any information you submit to Thrivent also is encrypted. Encryption is the transformation of data into a form unreadable by anyone who doesn't have the appropriate decryption key. This method of transferring sensitive data is considered the industry standard for the Internet.

For added security, close your browser or the application completely when you finish using this site. While online, your browser is using part of your computer's memory. If your browser is left open, it may be possible for someone using your computer to go back and use this memory to access your information. Closing your browser clears this memory. You may also want to consider clearing your browser's temporary files. For added security for the Fulfill application, you should log out of the Fulfill application when you are not using it.

For your security, we highly recommend you update your browser to versions that support SSL. Microsoft Internet Explorer, Mozilla Firefox and Apple Safari are three browsers that support these encryption techniques. A solid lock graphic will display when the SSL mode is engaged and the connection is encrypted. If you are not sure if your browser is compatible, check with your service provider.

Thrivent has taken steps to make all information you provide to us as secure as possible against unauthorized access and use, alteration, and/or loss. This information is kept in Thrivent’s secure database. You should keep in mind, however, that no data transmission over the internet is 100% secure and any information disclosed online can potentially be intercepted and used by unauthorized parties.

What is our policy for children (individuals under 16 years of age)?

Your children's safety is important to us. We have developed our privacy guidelines in compliance with the requirements outlined by the Federal Trade Commission Children's Online Privacy Protection Act (COPPA). See the FTC site for additional information on COPPA. Effective 6/10/2010, registration will not be accepted if the birth date indicates the individual is under the age of 16. Additionally, no information should be submitted to or posted on our site by children under 13 years of age without the consent of their parent or guardian.

What about links to other websites from the Fulfill Services?

The Fulfill Services may contain links to other external websites. Although our intent is to provide links to other quality sites, we cannot guarantee the safety and privacy of information you provide to these linked sites. Any data or personal information collected by websites other than Fulfill is not covered by this privacy policy.

Questions or comments?

If you have questions regarding our Internet Privacy Policy, send a message using our online Contact Us form, or send your written request to:

Thrivent Financial
4321 N. Ballard Rd.
Appleton, WI 54919

Also, if you receive email messages from Thrivent about updates to our website and wish to no longer receive these updates, you can unsubscribe from our mailing list by submitting a Support Request within the Fulfill application or website.

Notice of any material change to this Privacy & Security Policy is given on this website's home page.

This Privacy & Security Policy and any updates are effective as of June 1, 2017.

*This Privacy & Security Policy is provided by Thrivent Financial. Thrivent Financial includes Thrivent Financial for Lutherans, its affiliates and subsidiaries and Thrivent Federal Credit Union in the providing of the Fulfill Services.

Fulfill Application and Website Terms and Conditions

Last Modified: February 14, 2018

You are accessing services provided directly or indirectly to you from Thrivent through its third party providers, MX and Thrivent Federal Credit Union, and being asked to agree to a legally binding agreement in accordance with the terms and conditions set forth below.

Please read the Terms and Conditions carefully before you start to use the Services (defined below). These Terms and Conditions constitute an agreement between you (“you”, “your” or “user”) and Thrivent Financial for Lutherans, its affiliates and subsidiaries`, (collectively referred to herein as “Thrivent”, “our”, “we” or “us”), pertaining to your use of the Fulfill website, www.fulfillmoney.com/Fulfill/, and/or Fulfill application (the “Services”). By using the Services, you agree to be bound by these Terms and Conditions as well as the, Thrivent Fulfill Privacy and Security Policy (located at www.fulfillmoney.com/Fulfill/Privacy.aspx), any other documents they expressly incorporate by reference, and any other terms and conditions which may also apply to specific portions, services, or features of the Services, all of which are hereby incorporated by reference into these Terms and Conditions (collectively, the “Terms”).

Accepting the Terms:

BY CLICKING TO ACCEPT OR AGREE TO THE TERMS, WHERE THIS OPTION IS MADE AVAILABLE TO YOU BY THRIVENT IN THE USER INTERFACE FOR ANY OF THE SERVICES, OR BY USING ANY PART OF THE SERVICES, YOU EXPRESSLY (a) ACKNOWLEDGE THAT YOU HAVE READ ALL OF THESE TERMS AND ARE ELIGIBLE FOR THE SERVICES; (b) AGREE AND CONSENT TO THE TERMS (c) REPRESENT AND WARRANT THAT: (i) IF YOU ARE AGREEING TO THESE TERMS ON BEHALF OF A BUSINESS ENTITY OR ANOTHER INDIVIDUAL, ARE AUTHORIZED TO BIND SUCH ENTITY OR SUCH INDIVIDUAL, AND (ii) YOU AGREE TO BE BOUND BY THE TERMS, INCLUDING THE DISCLAIMERS AND LIMITATIONS OF LIABILITY; AND (d) AGREE TO BE LIABLE FOR ANY NONCOMPLIANCE WITH THESE TERMS. IF YOU DO NOT AGREE TO ANY OF THE TERMS, DO NOT CLICK THE ACCEPTANCE BUTTON, IF APPLICABLE, AND DO NOT ACCESS OR USE THE SERVICES.

Services

The Services are a personal financial management service that allows registered users to organize, consolidate, manage and track their financial information. The financial information available to you within the Services includes information, files or data that you input into the Services, or that you store or use in or with the Services, such as Provider Account data (collectively, “Account Data”).

You agree to provide accurate, current and complete information about yourself while registering for the Services and to maintain and update this information to keep it accurate, current, and complete. Failure to provide accurate and complete information during registration or account setup may prohibit your use of the Services or result in errors in information generated.

You are responsible for maintaining the confidentiality and security of your login information, passwords, and any other security or access information used by you or anyone you authorize on your behalf to access the Fulfill website or Fulfill application (collectively, “Login Credentials”). Any unauthorized access to or use of Account Data that results from your improper use or protection of your Login Credentials is your responsibility. Thrivent shall assume that any and all activities that occur under your account, including communications sent, were done or authorized by you. You agree to immediately notify Thrivent if you become aware of any loss, theft, or unauthorized use of any Login Credentials. We reserve the right to deny you access to the Services (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Login Credentials has occurred. In addition, we have the right to disable your Login Credentials, at any time, in our sole discretion, for any reason, without notice.

You hereby grant to Thrivent, Thrivent Federal Credit Union, Thrivent Mutual Funds and inFaith Community Foundation and their affiliates, affiliated entities, third-party providers, partners, licensors, employees, distributors and agents (collectively referred to as “Partner Entities”) permission to use your Login Credentials and Account Data to: (1) enable Thrivent to provide the Services to you; (2) update and maintain Account Data; and, (3) address errors or service interruptions. Further, you agree that the Partner Entities may use your Account Data to enhance the types of data and services Thrivent, Thrivent Federal Credit Union, Thrivent Mutual Funds and Thrivent Financial for Lutherans Foundation may provide to you in the future, and for other permissible business purposes, including but not limited to marketing other goods and services to you, to the fullest extent permitted by law.

Thrivent may use, modify, display, distribute and create new materials using the Account Data and/or your communications to provide the Services to you. By submitting Account Data and/or communications, you agree that Thrivent, Thrivent Federal Credit Union, Thrivent Mutual Funds, and inFaith Community Foundation, may use this information for the purposes set out herein, without any particular time limit and without the payment of any fees.

Thrivent, Thrivent Federal Credit Union, Thrivent Mutual Funds and inFaith Community Foundation may use or license certain information, as permitted by law, such as financial account balances and data, or other available data that is collected through users’ use of the Services, for various purposes including but not limited to conducting certain analytical research, performance tracking, benchmarking to provide and improve products and services, and to assist in troubleshooting and technical support. Any data used for the above purposes will be aggregate and anonymous, meaning that it will not be associated with any of your personally identifiable information and cannot be traced back to you. To the extent that a user requests customer service or other assistance regarding use of the Services , you agree that Thrivent, Thrivent Federal Credit Union and its third party providers are authorized to access and view your account information to provide such assistance and support. Please utilize the functionality Help and Support within the Services for this support.

Provider Accounts

As a feature of the Services, you may provide Thrivent or its service providers with access to your third party financial accounts, (“Provider Accounts”). Thrivent or its service providers will access these Provider Accounts through your third party account provider’s website. You agree to provide any information, data, passwords, usernames, PINs and/or other login or authentication information necessary to access your Provider Accounts and you authorize our service providers to use this information to gain access to your Provider Accounts. All such information used to access or authenticate your Provider Accounts will be secured. After obtaining initial access to your Provider Accounts, your Provider Accounts will recognize any future access by the Services through use of a security token, and therefore, our third party providers will not store your Provider Account access and authentication information. At no time will Provider Account access and authentication information be shared with Thrivent. Except as otherwise provided herein, we or our third party providers may not store, use, change, or display, data, passwords, usernames, PINs, or other content used to access your Provider Accounts, or create new content using such information. Notwithstanding the foregoing, Thrivent Federal Credit Union may store such information as necessary to enable you to retain continued access your account(s) at Thrivent Federal Credit Union.

You expressly authorize Thrivent and our third party providers, in conjunction with the operation and hosting of the Services, to access your designated providers’ websites to retrieve your Provider Account Data. You acknowledge and agree when you access data and information through the Services, personally identifiable information of your Provider Accounts, such as financial account balances, charges, budgets, categories, goals, debits and deposits, investments as may be applicable, (collectively, “Provider Account Data”), will be collected by Thrivent and its third parties. You understand that Thrivent and our third party providers will reformat and manipulate Provider Account Data within the Services.

In accessing and using the Services you represent that you are the legal owner of the Provider Account(s) and that you have the authority to appoint, and do expressly appoint, Thrivent or our third party providers as your agent to access and retrieve Provider Account Data on your behalf. You further acknowledge that Thrivent does not (nor do our third party providers), review Provider Account Data and you agree that we are not responsible for its completeness or accuracy. Any transactions or informational activities performed at any provider’s website are not made through the Services and Thrivent assumes no responsibility for such transactions or activities. Neither we nor our service providers are liable for any damages or costs of any type arising out of or in any way connected with your use of the services of those third parties. YOU ACKNOWLEDGE AND AGREE THAT WHEN THRIVENT OR ITS THIRD PARTY PROVIDERS ACCESS AND RETRIEVE INFORMATION FROM USERS’ PROVIDERS, THRIVENT AND ITS THIRD PARTY PROVIDERS ARE ACTING AS USERS’ AGENT, AND NOT THE AGENT OR ON BEHALF OF PROVIDERS.

Provider Services

In connection with your use of the Services, and as part of the functionality of the Services as may be applicable, you may have access to certain online services or information made available by your bank and/or other third party provider(s) (“Provider Services”), including online banking, online payment, online investment account download, online bill pay, online trading, and other account information available from third party provider(s). The Services may be designed to allow access to Provider Services (if and to the extent provided by users’ provider(s)) to set up banking and other information, schedule the Services to access Provider Account(s), download transactions into the Services and otherwise aggregate information from users Provider Account(s). Thrivent has no control over the provision of Provider Services or provision of access to the Provider Services by users’ provider(s). Thrivent does not guarantee use of the Provider Services through the Services provided. You agree that you may be able to use the Services in conjunction with the Provider Services, and that Thrivent and its third party providers disclaim any and all liability whatsoever for any actions or inactions on the part of your provider(s) resulting in any inability to use the Services to access accounts, obtain data, download transactions, or otherwise use or access the Provider Services.

You further acknowledge and agree that: (i) some providers may not allow the Services to access the Provider Services, (ii) providers may make changes to their websites, with or without notice to Thrivent, that may prevent or delay aggregation of information from such websites, and (iii) the Services may “refresh” the Provider Account Data by collecting the Provider Account Data nightly, so your most recent transactions may not be reflected in any account balances or other account information presented to user in the Services. In the event that you see a discrepancy in the Provider Account Data, and in any case before making any transactions or decisions based on such account information presented in the Services, you agree to check the last refresh date for the account and confirm with that applicable provider that the Provider Account Data is correct or otherwise confirm that Provider Account Data is up to date and accurate.

In addition, such Provider Account Data will be used and disclosed in accordance with our Privacy Policy and Privacy Notice (Link). You understand that such information may be used to further market to you and make you aware of services that may be of interest to you from Thrivent or Thrivent Federal Credit Union. By consenting to these Terms you are opting into such contact and marketing by Thrivent and Thrivent Federal Credit Union. You, in accordance with our Privacy Policy and Privacy Notice can opt-out of such marketing.

Eligibility Requirements

The Services are offered and available to users who meet all eligibility requirements. If you do not meet all eligibility requirements you must not access or use the Services.

Age: By using these Services, you represent and warrant that you are at least 18 years of age or older. In addition, if you are under the age of 18 years of age, or are not at least the age of majority or otherwise incapable of binding to a legal contract in the jurisdiction from which you enter into this agreement, you MUST have your legal guardian (e.g., your parent) or someone with authorized power of attorney review this agreement and consent upon your behalf or you should not proceed any further. Notwithstanding the foregoing, Thrivent has not designed the Services with the intention that such be used by minors nor does it market the Services for use by minors.

Export Restrictions: The Services and underlying information, software and technology are subject to U.S. export controls. None of the Services or underlying information, software or technology may be downloaded or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, North Korea, Iran, Sudan, Russia, Ukraine, Syria or any other country subject to U.S. sanctions applicable to the export or re-export of goods; or (ii) to anyone on the U.S. Treasury Department’s List of Specially Designated Nationals and Blocked Persons List, or the U.S. Commerce Department’s Denied Persons List, Unverified List, Entity List, or Nonproliferation Sanctions List. By using the Services, you agree to the foregoing and you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list, and that you acknowledge you are responsible to obtain any necessary U.S. government authorization to ensure compliance with U.S. law.

Further, you agree that you are not a person barred from receiving the Services under the laws of the United States or other countries including the country in which you are resident or from which you use the Services.

Limitations

Your right to use the Services is personal to you and is not transferable by you to any other person or entity. You may not, without our express prior written consent: (a) copy, reproduce, distribute or create derivative works of any portion of the Services; (b) reverse engineer, decompile, alter, modify, disassemble or otherwise attempt to derive source code utilized in the Services or any third-party applications incorporated into the Services, including Java applets associated with the Services; (c) use the Services to provide services to any third parties, including business process outsourcing, service bureau applications or training of third parties; or (d) use the Services as a platform for designing and creating a competing product or service, including one for only your internal use. In the event that we have reason to believe you, or any third parties on your behalf, have developed, or are in the process of developing, a software system similar to the Services or are otherwise in violation of these Terms, you agree to promptly provide us information to assist us with any applicable investigation, including allowing us to audit your use of the Services. In the event we determine you have developed a software system similar to the Services, you hereby grant us authority to secure injunctive relief from your continued development and/or sale of such competing product or services. All rights not expressly granted to you by these Terms are reserved to Thrivent.

You are solely responsible for your Account Data, including the accuracy, quality and reliability of all such content. You represent and warrant that: (i) none of your Account Data violates any third party’s copyright, patent, trademark, trade secret or other proprietary or intellectual property rights or rights of publicity or privacy (collectively, “Intellectual Property Rights”), and (ii) you have obtained all consents and waivers required under all applicable local, state, national and international laws, rules, statutes, treaties and regulations (including those, but not limited to, governing account collection, export control, consumer protection, data privacy, unfair competition, anti-discrimination and false advertising) (collectively, “Laws”) for the provision, manipulation, retention, use and sharing of personal data of individuals (including you) with respect to whom information is supplied by you as part of your use of the Services, and that you will retain all such consents and waivers and/or provide them to Thrivent at any time upon request. Notwithstanding the foregoing, we reserve the right to take any action with respect to the Services that we deem necessary or appropriate in our sole discretion if we believe you or your use of the Services may create liability for Thrivent. Your use of the Services is subject to all applicable Laws.

In connection with your use of the Services, you agree not to: (A) use the Services for illegal purposes or in violation with any law or regulation; (B) attempt to gain unauthorized access to other computer systems; (C) interfere with another user’s use and enjoyment of the Services, including disrupting the normal flow of dialogue; (D) use the Services to infringe any third party’s Intellectual Property Rights; (E) transmit through the Services, through feedback or otherwise, any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable material of any kind or nature; and (F) bypass or disable any security mechanisms in the Services.

Additionally, you agree not to: (a) Use the Services in any manner that could disable, overburden, damage, or impair the Services; (b) Use any robot, spider, other automatic or manual device, process, or means to access the Services for any purpose, including monitoring or copying any of the material on the Services, (c) Use any device, software, routine, or in any other way, interfere with the proper working of the Services, (d) Introduce any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful, (e) Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Services, the server on which the Services is stored, or any server, computer or database connected to the Services, and (f) Attack the Services via a denial-of-service attack or a distributed denial-of-service attack.

Required Equipment

As applicable, you are responsible for obtaining and installing, configuring and updating a computer, mobile device, operating system, web-browsing software, Internet service and connection, wireless service and connection, and/or such other equipment, software and services as may be necessary for you to access the Services. Thrivent makes no warranties that your equipment or third-party software is or will continue to be compatible with the use of the Services.

Disclaimer

The Services, or certain portions and/or functionalities thereof, are provided as strictly educational in nature and are provided with the understanding that neither Thrivent nor its third party providers are engaged in rendering accounting, investment, tax, legal, or other professional advice. If legal or other professional advice is required, you should consult with your attorney, accountant or other financial professional who is fully aware of your circumstances. Thrivent and its third party providers specifically disclaim any liability, loss, or risk which is incurred as consequence, directly or indirectly, of the use and application of any of the Services. Further, Thrivent and its third party providers are not responsible for any investment decisions or any damages or other losses resulting from decisions that arise in any way from the use of the Services or any materials or information accessible through it. Past performance does not guarantee future results. Thrivent and its third party providers do not warrant that the Services comply with the requirements of the FINRA or those of any other organization anywhere in the world.

Logos and other trademarks of non-Thrivent entities that appear within the Services are the property of their respective owners and their use implies neither affiliation nor association with Thrivent nor sponsorship or approval by their respective owners.

Proprietary Rights

You are permitted to use content delivered to you through the Services only in connection with the Services. You acknowledge and agree that Thrivent and/or its licensors or suppliers own all rights to the Services, the content displayed on the Services including its “look and feel” (e.g., text, graphics, images, logos and button icons), photos, editorial content, notices, and other Intellectual Property Rights, made available to you as a part of or in conjunction with the Services, but specifically excluding the logos and other trademarks of other financial institutions that may appear with account information relating to them. You are only permitted to use any of the foregoing as expressly authorized by these Terms. Thrivent, and all other names, logos, icons and marks identifying Thrivent’s, Thrivent Federal Credit Union’s, Thrivent Mutual Fund’s and inFaith Community Foundation’s products and services are Thrivent’s trademarks and may not be used without our prior written consent. Trademarks of other entities should not be used without permission of their respective owners. You may not remove or alter any trademark, logo, copyright or other proprietary notices, legends, symbols or labels on any portion of the Services.

User Risks

Thrivent , through its third party providers, acts solely as an operator of the Services for your convenience and use of the Services, and any reliance by you upon any content or information available to you through the Services (the “Materials”), including any action taken by you because of such use or reliance, is at your sole risk. None of the Partner Entities is responsible or liable for, or makes any representations or warranties as to the following, without limitation:

  1. Any representations, promises, recommendations or inducements that may be made by or through any party (including vendors) found at, on, through or from the Services;
  2. The timeliness, accuracy, reliability, completeness, legality, copyright compliance or decency of the Services or any Materials;
  3. Any inaccuracy, omission, error or delay in the Services or any Materials;
  4. Non-performance of or interruption to the Services or any Materials due to, without limitation: (i) any act or omission by any disseminating party, (ii) any force majeure or any other cause beyond the control of any disseminating party, or (iii) outages, transmission quality or malfunctions of telephone circuits, computer systems, or mobile devices, including any defects or failures with respect to your software, computer systems, operating systems, Internet access provider, or wireless provider;
  5. The quality of the Services or any Materials (including the results to be obtained from use of them); or
  6. Any loss resulting from, including any unauthorized access by a third party, arising out of or related to your access and/or use of or interaction with the Services or the Materials.

Modifications

Thrivent reserves the right to modify or discontinue, temporarily or permanently, the Services with or without notice to you. Such modifications may include establishing or changing limits concerning use of the Services, temporarily or permanently, including (i) any features, licensing terms, or other characteristics of any version of the Services that it releases, (ii) the amount of storage space you have on the Services at any time, and (iii) the number of times (and the maximum duration for which) you may access the Services in a given period of time. We reserve the right to make any such changes effective immediately to maintain the security of the system or Login Credentials or to comply with any Laws. You may reject changes by discontinuing use of the Services to which such changes relate. Your continued use of the Services will constitute your acceptance of and agreement with such changes. User access and use of the Services may be interrupted from time to time, including due to the malfunction of equipment, periodic updating, maintenance or repair of the Services or other actions that Thrivent, in its sole discretion, may elect to take. We will not be liable to you or any third party, if for any reason all or any part of the Services is unavailable at any time, for any period, or for any reason. Therefore, you are advised not to rely on the Service's availability to conduct any time sensitive business.

Cancellation

You may cancel your registration at any time by sending a request for cancellation by submitting a Support Request within the mobile app, or contacting Thrivent Financial at 1-866-226-5225. Upon confirmation of your request, your account will be cancelled and your access to the Services will be terminated. Some of your information may remain stored within the Services after account deletion for recordkeeping purposes. None of your information will be used or disclosed except in accordance with these Terms or as permitted or required by law. Please refer to our Privacy Policy for more information.

Thrivent may at any time terminate your access to the Services for any reason, including:

  1. You have breached any provision of these Terms (including the Thrivent Privacy Policy), or have acted in a manner which shows you do not intend to, or are unable to, comply with the provisions of these Terms and/or the Thrivent Privacy Policy;
  2. Thrivent is required to do so by Law (for example, where the provision of the Services to you is, or becomes, unlawful);
  3. A partner or Service Provider with whom Thrivent offered the Services to you has terminated its relationship with Thrivent or ceased to offer the Services to you;
  4. Thrivent is transitioning to no longer providing the Services to users in the country in which you are a resident or from which you use the Services; or
  5. The provision of the Services brought to you by Thrivent is, in Thrivent’s sole opinion, no longer commercially viable.

Feedback

You have no obligation to give Thrivent any suggestions, enhancement requests, recommendations, comments or other feedback (“Feedback”) relating to the Services. To the extent we receive any Feedback from you, we may use and include any Feedback that you provide to improve the Services or any other related technologies. Accordingly, if you provide Feedback, you agree that such Feedback will become Thrivent’s proprietary information and that the Partner Entities and other authorized entities may freely use, reproduce, license, distribute, and otherwise commercialize the Feedback in the Services or other related technologies.

Communication

We will communicate with you electronically via email, text, or by posting notices on or through the Services. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communication be in writing. Electronic alerts will be sent via text, email or notification through the Services (in the case of email or text, to the email address or phone number you provided when registering for the Services). Your consent to receive communications electronically is valid until you revoke your consent notifying us of your decision to do so. If you revoke your consent to receive communications electronically, we may terminate your right to use the Services. You may opt-out of communications at any time by submitting a changing your notifications preferences within the website on desktop or mobile, or by contacting Thrivent at 1-866-226-5225.

You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. While Thrivent will use commercially reasonable efforts to provide timely and accurate alerts, we neither guarantee the delivery or accuracy of the content of any alert. You agree that Thrivent and its third party providers shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; for any actions taken or not taken by you; or any third party reliance on an alert. Automatic alerts may be sent to you updating you to certain changes to your account. Voluntary alerts may be turned on by default. Voluntary alerts may then be customized, deactivated or reactivated by you.

Endorsements

All products and service marks contained on or associated with the Services that are not Thrivent marks are the trademarks of their respective owners. References to any names, marks, products or services of third parties or hypertext links to third-party sites or information do not constitute or imply Thrivent’s endorsement, sponsorship, guarantee or recommendation of the third party, information, products or services.

Disclaimers of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (a) YOUR USE OF THE SERVICES, , AND ALL INFORMATION, PRODUCTS, SERVICES, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES OR THE SITE IS AT YOUR SOLE RISK; (b) THE SERVICES, AND ALL CONTENT AND PRODUCTS ASSOCIATED WITH THRIVENT,THRIVENT FEDERAL CREDIT UNION, THRIVENT MUTUAL FUNDS AND INFAITH COMMUNITY FOUNDATION ARE BEING PROVIDED “AS IS” AND “AS AVAILABLE”; (c) TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PARTNER ENTITIES DISCLAIM ANY AND ALL WARRANTIES WITH RESPECT TO THE SERVICES AND ANY THIRD-PARTY SERVICES, IN WHOLE OR IN PART, INCLUDING (i) ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, FUNCTIONALITY, TITLE AND NON-INFRINGEMENT, (ii) REPRESENTATIONS AND WARRANTIES THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, WILL BE SECURE, THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIALS PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS OR REQUIREMENTS, AND THAT ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED, (iii) REPRESENTATIONS AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING AND COURSE OF PERFORMANCE, (iv) ANY WARRANTY, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, RELATED TO THE COMPREHENSIVENESS, COMPLETENESS, CORRECTNESS, LEGALITY, RELIABILITY OR ACCURACY OF THE SERVICES OR THIRD-PARTY SERVICES, IN WHOLE OR IN PART, (v) ANY WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, OR VIRUS-FREE, AND (vi) WARRANTIES RELATED TO THE ACCURACY OF ANY INFORMATION OBTAINED THROUGH THE SERVICES, THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES, THE CORRECTION OF DEFECTS IN THE SERVICES, OR THAT THE SERVICES WILL OPERATE IN COMBINATION WITH ANY OTHER HARDWARE OR SOFTWARE; (d) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK; (e) YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER DEVICE OR LOSS OF DATA THAT RESULTS FROM YOUR USE OF THE SERVICES OR THIRD-PARTY SERVICES; AND (f) THE CURRENT STATE OF THE SERVICES DOES NOT ALLOW FOR ERROR-FREE USE OF THE SERVICES AND THAT INTERRUPTIONS, CRASHES, DOWNTIME AND DELAY IN SERVICES MAY OCCUR. NO INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THRIVENT THROUGH OR FROM THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

Limitations of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PARTNER ENTITIES SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES, CLAIMS OR LOSSES INCURRED, INCLUDING COMPENSATORY, INCIDENTAL, INDIRECT, DIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, HOWEVER CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, INCLUDING DAMAGES FOR TELECOMMUNICATION FAILURES, LOSS, CORRUPTION, SECURITY OR THEFT OF DATA, VIRUSES, SPYWARE, LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, LOSS OF PRIVACY, OR PECUNIARY LOSS ARISING OUT OF YOUR USE OR YOUR INABILITY TO USE THE SERVICES; ARISING IN CONNECTION WITH YOUR USE OF THE SERVICES, INCLUDING ANY INTERRUPTION, INACCURACY, ERROR OR OMISSION IN YOUR USE OF THE SERVICES; ANY ACT OR OMISSION BY US IN ADMINISTERING THE SERVICES; OR THE PURCHASE OR USE OF ANY GOODS OR SERVICES OF MERCHANTS OR SUPPLIERS THROUGH THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, CLAIMS, OR LOSSES AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. WE ASSUME NO RESPONSIBILITY FOR ANY DAMAGE CAUSED BY YOUR ACCESS OR INABILITY TO ACCESS THE SITE OR THE SERVICES. THE LIMITATIONS OF DAMAGES SET FORTH HEREIN ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE AGREEMENT BETWEEN THRIVENT AND YOU. THRIVENT WOULD NOT BE ABLE TO PROVIDE THE SERVICES WITHOUT SUCH LIMITATIONS. SOME STATES DO NOT ALLOW LIMITATIONS ON INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

Indemnification

You agree, at your expense, to defend, indemnify, hold harmless, protect and fully compensate the Partner Entities from any and all claims, liability, damages, losses, expenses and costs (including attorneys’ fees) caused by or arising from (a) a third-party claim, action or allegation of infringement based on your use of the Service or information, data, files or other content you submitted or uploaded; (b) any fraud, manipulation, or other violation of Law by you; (c) a breach of these Terms by you; or (d) your negligent or wrongful acts or omissions. For the avoidance of doubt, if you are a business entity, your obligations hereunder shall extend to indemnification based on the acts and omissions of your employees, consultants and agents.

No Waiver

Thrivent shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by Thrivent. No delay or omission on the part of Thrivent in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a waiver of any rights or remedies on future occasions.

Exclusive Agreement

You agree that these Terms are the complete and exclusive agreement between you and Thrivent as it relates to the Services provided. These Terms supersede any proposal or prior agreement, oral or written, and any other communications between you and Thrivent relating to the subject matter of these Terms. These Terms, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and Thrivent.

Miscellaneous

You agree and acknowledge that if you breach these Terms, Thrivent may have no adequate remedy at law and will suffer irreparable harm as a result of such breach and will therefore be entitled to injunctive relief without the obligation of posting a bond.

The titles and headings of these Terms are for convenience and ease of reference only and shall not be utilized in any way to construe or interpret the agreement of the parties as otherwise set forth herein. Each covenant and agreement in these Terms shall be construed for all purposes to be a separate and independent covenant or agreement. If a court of competent jurisdiction holds any provision (or portion of a provision) of these Terms to be illegal, invalid, or otherwise unenforceable, the remaining provisions (or portions of provisions) of these Terms shall not be affected thereby and shall be found to be valid and enforceable to the fullest extent permitted by law. All covenants, agreements, representations and disclaimers as to warranties and limitations on liability made in these Terms shall survive your acceptance of these Terms and the termination of these Terms.

Thrivent may modify these Terms, at any time and without notice to you, by delivering such amended terms to the email address you provide to Thrivent at the time of registration or that you subsequently updated, or by posting updated Terms on the Services. You are expected to check this page from time to time so that you are aware of any changes, as you recognize and agree that they are binding on you. You manifest your acceptance of such amended terms if you continue to use or access the Services after such amended terms have been delivered to you by email or posted. If you do not agree with such amended terms, your only remedy is to discontinue your use of and access to the Services pursuant to these Terms. Otherwise, these Terms may not be amended except in writing signed by Thrivent and you.

For all purposes of these Terms, except as otherwise expressly provided or unless the context otherwise requires: the terms defined herein include the plural as well as the singular and vice-versa; and the words “including,” “included” and “includes” mean inclusion without limitation.

Choice of Law and Forum for Disputes

By visiting or using the Services, you agree that the laws of the State of Wisconsin, without regard to principles of conflict of laws, will govern these Terms. To the extent that these Terms conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. You agree that any claim or dispute of any sort that might arise between you and Thrivent, our officers, directors, employees or agents must be brought in the U.S. District Court for the Eastern District of Wisconsin, or the courts of the State of Wisconsin located in the City of Appleton, County of Outagamie subject to applicable jurisdictional requirements in any such action or proceeding. You irrevocably waive any objection to such venue. You understand that, in return for your agreement to this provision, Thrivent is able to offer the Services as these Terms designate and that your assent to this provision is an indispensable consideration to these Terms.

You also acknowledge and agree that, with respect to any dispute with Thrivent, our officers, directors, employees or agents, our third party providers and Partner Entities arising out of or relating to your use of the Services or these Terms: (i) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and (ii) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING SUCH DISPUTE.

Contact Information:

Thrivent Financial for Lutherans, 4321 N. Ballard Rd. Appleton, WI 54919-0001 USA. We can also be contacted at 1-800-847-4836.

Date: February 14, 2018

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