Privacy Policy

Affordable Business Management Solutions, Inc. (“ABMS”), operating under the brand names Madivio and Agent Nucleus (“Agent Nucleus,” “we,” “us,” or “our”), operates this website and related digital properties (the “Site”).

Agent Nucleus serves licensed insurance agents, advisors, and other business professionals by providing marketing support, tools, training, and access to insurance products offered through third-party carrier partners.

We are committed to protecting your privacy and complying with applicable United States data privacy laws, including the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), where applicable.

1. Information We Collect

Information You Voluntarily Provide

We may collect information you choose to provide, including:

• Name
• Email address
• Phone number
• Company name
• Agency details
• Licensing information
• Professional role
• Information submitted through contact forms, registrations, downloads, event signups, appointment requests, or other Site interactions

Providing certain information may be required to access specific tools, resources, or communications.

Automatically Collected Information

We may automatically collect:

• IP address
• Browser type
• Operating system
• Device type
• Referring and exit pages
• Pages viewed and time spent
• Clickstream and navigation data

Aggregated or De-Identified Information

We may collect aggregated or anonymized data for analytics, reporting, performance measurement, and product improvement. This data does not identify individuals.

2. How We Use Information

We use collected information to:

• Respond to inquiries and support requests
• Provide requested resources, tools, and product information
• Facilitate agent onboarding or carrier introductions
• Send newsletters, updates, or communications (if you opt in)
• Improve Site functionality, structure, and user experience
• Monitor usage patterns and engagement
• Maintain security and prevent fraud
• Comply with legal and regulatory obligations

If you decline to provide certain information, some features or services may not be available.

3. Cookies, Tracking & Analytics

The Site uses:

• Session cookies for essential functionality
• Persistent cookies to remember preferences
• Analytics tools to measure traffic and engagement

Third-party service providers may collect usage data on our behalf under confidentiality obligations.

You may adjust browser settings to refuse cookies; however, some features may not function properly if cookies are disabled.

We do not sell or rent your personal information to advertisers or third-party marketing networks.

4. Sharing & Third-Party Relationships

We do not sell, rent, or trade your personal information.

We may share information only in the following circumstances:

• With trusted service providers who support hosting, analytics, communications, CRM systems, or Site operations, under confidentiality agreements
• With strategic carrier or product partners when you request information about, express interest in, or engage with specific insurance products or solutions offered through Agent Nucleus
• When required by law, subpoena, regulatory obligation, or to protect our legal rights

Information shared with carrier or product partners is limited to what is reasonably necessary to facilitate education, appointment, onboarding, or servicing.

5. Carrier & Product Partnerships

Agent Nucleus operates as an independent marketing and distribution organization.

Certain products featured on the Site are underwritten, administered, or serviced by third-party insurance carriers, including Med Mutual.

Agent Nucleus is responsible for marketing, support, and lead distribution. Carrier partners are responsible for underwriting decisions, policy issuance, claims handling, and ongoing policy servicing.

Nothing on this Site creates a joint venture, agency, or employment relationship between Agent Nucleus and any carrier partner.

6. Communications & Consent

By submitting information through the Site related to product inquiries or agent opportunities, you consent to being contacted by Agent Nucleus and, where applicable, relevant carrier partners regarding those products or opportunities.

All communications are subject to applicable federal and state laws, including TCPA where relevant.

You may opt out of marketing communications at any time by following unsubscribe instructions or contacting us.

7. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you may have the right to:

• Request access to personal information we collect
• Request correction of inaccurate information
• Request deletion of personal information
• Opt out of sale or sharing of personal information (we do not sell personal information)
• Limit use of sensitive personal information (where applicable)
• Receive equal service and pricing regardless of privacy rights exercised

To exercise these rights, please contact us using the information below.

8. Data Security & Retention

We implement commercially reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, misuse, or disclosure.

We retain personal information only as long as necessary to fulfill the purposes described in this policy, unless longer retention is required by law.

9. Children’s Privacy

The Site is intended for adult business professionals.

We do not knowingly collect personal information from individuals under 18 years of age. If such information is discovered, it will be deleted promptly.

10. Third-Party Links & Embedded Content

The Site may contain links to third-party websites or embedded tools. These third parties maintain independent privacy practices, and Agent Nucleus is not responsible for their policies or content.

11. Changes to This Policy

We may update this Privacy Policy periodically. Updates will be reflected by a revised “Last Updated” date. Continued use of the Site constitutes acceptance of the updated policy.

12. Contact Information

Agent Nucleus
55 West St., Suite 201
Walpole, MA 02081

For privacy-related inquiries, please use the contact form available on our website.