Protecting the privacy and security of data about you is a responsibility we take very seriously. We understand your data is personal, and it is important to you that we keep it confidential. The practices and procedures we have to protect your data are rigorous and thorough. This notice describes the privacy and security policy of cuLearn. It also explains the types of data about you that we collect and disclose, with whom that data may be shared, and how we protect your data.

After you read this notice, if you decide that our practices and procedures meet your expectations, there is nothing you need to do. If you do not want data about you shared as outlined, you may tell us your data-sharing choices, as described in this notice. Once you tell us of your choice, we will honor it until you change it.

Security of data about you

We have strict standards of security to safeguard your data. We have physical, electronic and procedural safeguards in place to protect your data. The technology we use to protect your data is reviewed often. Only individuals who are trained to safeguard your data may use data about you. Those who use your data must follow established standards, procedures and laws.

What information do we gather on our website?

We may capture information you may supply including your name, telephone number, name of your church, the home city and state of your church and other personal information in order to fulfill your request.

cuLearn 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.

What other information do we capture?

The cuLearn web server automatically recognizes your IP address when you visit our site as an anonymous visitor. 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 completing an online form or registering for various sections of our site.

cuLearn collects aggregate information about the pages visited within our website. We also capture browser type and version, and screen resolution. 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 our site. When you visit our website 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.

cuLearn may use third party vendors and hosting partners to provide hardware, software, networking, storage, support or related technology required to run our websites. In addition, we use third party providers to act as a data processor of any collected data. The third party providers will aggregate anonymous collected data to improve the usability of the website. The third party providers will also store any collected data for later retrieval by cuLearn and its agents to review aggregate analytics and review a detailed history of your interactions with cuLearn. The third party providers may combine collected data with other relevant data in order to provide you with more information about relevant products and website offerings.

How can you update the personal information you provide online?

You can change information you have provided, including your current email address by calling 612-844-4555.

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.

Only authorized employees and representatives 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, cuLearn 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 under this Privacy Policy. Our third party website 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 use the information we gather about our site visitors in one or more of the following ways:

  • To fulfill requests for additional information.

  • To fulfill your requests for contact from a cuLearn representative.

  • To help ensure a safer online environment for our site visitors.

  • For general aggregate site visitor analysis and statistical research.

  • To increase visitor satisfaction in their online experience with cuLearn.

  • To help resolve disputes, if needed.

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

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


    625 Fourth Ave. South

    Minneapolis, MN  55415-1624

or by calling us toll-free at 612-844-4555. We are available to answer calls between the hours of 8 a.m. and 5 p.m., Central time Monday – Friday.

You may select one or more of the following options:

  • 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 partners.
  • Direct us not to share data about you with our partners 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.
  • 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.
  • 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.

Transmission of Data to Other Countries. Your personal information is processed in the United States, where privacy laws may be less stringent than the laws in your country and where the government, courts, or law enforcement may be able to access your information. By submitting your personal information to us you agree to the transfer, storage and processing of your information in the United States.

Do you reside in the EU?

If you reside, permanently or temporarily, in the European Union, we may provide you with additional options concerning your information.

  • Changes to your Personal Information. We rely upon you to update and correct your personal information. If you identify an error in your information you can make a request that we modify it by contacting us using the information in the “Questions and comments” section below.
  • Access to your Personal Information. If required by law we will grant reasonable access to Personal Information that we hold about you. All requests must be directed to the address included in the “Questions and comments” section below.
  • Revocation of Consent or Restricting Processing. If you revoke your consent for the processing of personal information, or wish to restrict the ways in which we can use your information, then we may no longer be able to provide you certain services. In some cases we may limit or deny your request to revoke consent or restrict use if the law permits or requires us to do so, or if our processing is not based on your consent. If you would like to revoke your consent or restrict our use of information such a request must be directed to the address included in the “Questions and comments” section below.
  • Deletion of your Information. Typically we retain your Personal Information for the period necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by one of Thrivent’s industry regulators. If required by law, and permitted by our regulators, we will grant a request that we delete your Personal Information. All such requests must be directed to the address included in the “Questions and comments” section below.

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

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

Cookie technology, however, may be used in various sections of our website to provide you with customized services and increase the quality of your online experience. cuLearn 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 and with other third parties who may recognize the cookie technology and display cuLearn advertisements. The cookie uses this identifier to differentiate site visitors; it does not provide any personally identifiable information or directly identify you.


  • 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. cuLearn uses web beacons on its website and in email communications for aggregate statistical purposes.

Do we use encryption technology?

Some areas on cuLearn’s website have been built to handle personal  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 cuLearn is also 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 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 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.

cuLearn 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 cuLearn’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 (Link opens in new window) 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 16 years of age without the consent of their parent or guardian.

What about links to other websites from cuLearn’s site?

The cuLearn website contains 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 culearn is not covered by this privacy policy.

Complaints. Complaints can be sent to us at the address included in the “Questions and comments” section below. Some jurisdictions may also allow you to complain to a data protection authority as well.

Questions or comments?

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


    625 Fourth Ave. South

    Minneapolis, MN  55415-1624

Also, if you receive email messages from cuLearn about updates to our website and wish to no longer receive these updates, you can unsubscribe from our mailing list following the unsubscribe directions in the email.

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

This Internet Privacy Policy and any updates are effective as of February  1, 2016.

cuLearn with Thrivent Social Media Guidelines

 Thanks for visiting one of cuLearn with Thrivent’s social media pages! All of us at cuLearn with Thrivent welcome you to participate in our conversations and hope you find value in the information shared. Please review these Guidelines for your participation in any of our social media pages. The Guidelines are a legal contract between you and cuLearn with Thrivent. By making use of cuLearn with Thrivent's social media pages, you agree that you have read, understand, and agree to be bound by these Guidelines. cuLearn with Thrivent may update these Guidelines at any time, in its sole discretion, and without notice. If you do not agree with any of these terms or any update(s), do not use cuLearn with Thrivent’s social media pages. Your participation is also subject to the terms and policies of the social media sites themselves:

Product, Service or General Questions – Our social media pages are not a substitute channel for services, customer complaints, or general questions. They may not be used for the submission of any claim, demand, informal or formal complaint, or any other form of legal and/or administrative note or process, or for the exhaustion of any legal and/or administrative remedy. Any comments, transactions, questions or concerns regarding any product, service or program of cuLearn with Thrivent should be addressed to the cuLearn with Thrivent corporate office at, 612-844-4555, or to a cuLearn with Thrivent representative. (If you have comments, transactions, questions or concerns regarding any product, service or program of Thrivent Financial, they should be addressed to the Thrivent corporate office at, 800-847-4836, or to a Thrivent financial representative in your area using the Locate Your Financial Representative feature on  Our social media pages are also not to be used to report phishing or criminal activity. Suspicious e-mails or other interactions should be forwarded to, or our customer service team at 612-844-4555.

Your Privacy – Please be advised that posting is not anonymous and you have no expectation of privacy when using our social media pages. Only information that you desire to share publicly, without limitation, should be posted to our page. Even where content is removed from our page, the previously posted information may be retained or accessed by individuals. Your posts may also appear in search-engine results (e.g., Google). Do not post any personally identifiable health or financial information on this site. Please refer to each site's data and privacy policies concerning the protection of your information and controls.

cuLearn with Thrivent may collect information about users who participate on cuLearn with Thrivent’s social media pages. cuLearn with Thrivent may use information that you make publicly available on its social media pages, including the fact that you like or recommend content, to promote products or information to you through our social media pages. cuLearn with Thrivent does not sell or provide this information to third parties. For more information, visit the cuLearn with Thrivent Privacy Policy.

Prohibited Uses – In addition to the other restrictions included in these Guidelines, you agree that you will use our social media pages only for lawful purposes and in accordance with these Guidelines. You agree not to use our page, any content taken from it, or any copy of it:

  • In any way that violates any applicable federal, state, local or international law or regulation.
  • To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any junk mail, chain letter or spam or any other similar solicitation.
  • To impersonate or attempt to impersonate cuLearn with Thrivent, a cuLearn with Thrivent employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).
  • To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of our social media pages, or which, as determined by us, may harm cuLearn with Thrivent or users of our social media pages or expose them to liability.

Responsibilities and Etiquette – Social media is a powerful tool and can have significant impact on others, whether intended or not. You are responsible for all of your interactions online. Please use your best judgment and think about the potential consequences of your actions before engaging with our community. When you participate in a specific thread, please keep your comments relevant to the topic of the thread. Promoting your own agenda and/or changing the topic does not help the community. While we welcome reasonable critiques, we may delete negative comments about cuLearn with Thrivent and/or our competitors that aren’t relevant or don’t add to the overall community experience.  We may also remove excessive, identical, or substantially similar posts by the same user or multiple users (a group of people sending identical messages or one person submitting under different aliases). If you have a new topic you'd like to discuss, you can post it as a new post to our timeline/wall, submit it privately via our Contact Form, or call our customer service team at 612-844-4555.

We also expect your posts to follow the rules of polite discourse and we ask that all visitors to our page treat each other and our representatives with respect. We may delete comments or posts, including but not limited to, those that we deem to be:

  • Profane, obscene, inappropriate, disruptive or unrelated.
  • Indecent, sexually explicit or pornographic — including masked profanity where symbols, initials, intentional misspellings or other characters are used to suggest profane language.
  • Threatening (including, but not limited to that which is abusive, defamatory, derogatory, hateful, or that which includes personal attacks, inflammatory language, stalking or harassment of any individual, entity or organization).
  • Discriminatory (including but not limited to comments that contain hateful speech of any kind regarding age, gender, race, religion, nationality, sexual orientation or disability).
  • False, inaccurate, libelous or otherwise misleading in any way.
  • Spam, or links to any kind of virus, malware, spyware, or similar program that could cause harm to a user's computer.
  • Inappropriately formatted, including that which is unprofessional, aggressive (g., all caps), difficult to read, uses slang, or includes confusing typographic symbols or special characters.
  • Otherwise not compliant with these Guidelines.

If you believe that you are the subject of an inappropriate post, please call our customer service team at 612-844-4555 or use available channels to make a report to the administrator of the social media platform (for example, the “Report post” link on Facebook or the “Report Tweet” link on Twitter). Posts may be subject to criminal and civil liability. Any interactions we deem to be criminal or fraudulent in nature or that instigate or imply violence toward oneself or another may be reported to the proper authorities. We also reserve the right to ban any user from our page without prior written notice or consent for violations of these Guidelines and in compliance with the relevant social media platform’s rules of behavior, such as Facebook Community Standards. We make every effort to moderate our social media pages and respond in a timely manner; however, we will not respond to every comment.


Content – The information presented on or through our social media pages is made available solely for general information purposes. cuLearn with Thrivent and its representatives and employees cannot provide legal, accounting, financial or tax advice or services. Consult your attorney, tax advisor, or financial professional for additional information. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to our social media pages, or by anyone who may be informed of any of its contents. The content published on our social media pages should not be considered a recommendation, advertisement, endorsement or advice regarding specific products and services. The statements and/or opinions expressed by participants of this site are solely those of the persons participating. Such statements and/or opinions do not necessarily reflect the views of cuLearn with Thrivent or any of its subsidiaries or affiliates and are not adopted or endorsed by cuLearn with Thrivent or its subsidiaries and affiliates. cuLearn with Thrivent, its subsidiaries and affiliates are not responsible for the content of such statements and/or opinions. Positive feedback may not be representative of the experience of all customers, does not guarantee future performance or success, and should not be considered a recommendation by cuLearn with Thrivent for any specific product.


Sharing Content and Intellectual Property – Infringement of any party’s copyright, patent, trademark, trade secret, intellectual property, right of publicity, other proprietary rights, or right of privacy, is strictly prohibited.  By submitting any content, including, for example, photos, to our social media pages, you warrant and represent that you are the owner of the relevant copyright, right of publicity, and all other relevant rights, or that the owner or owners of each such relevant right has granted you all necessary licenses and permissions to use the content consistent with the manner and purpose of your use, and to enter into all of the relevant agreements contained in these Guidelines, including the license granted to cuLearn with Thrivent, below, on behalf of such owner or owners. When posting a photo of a minor, you must be the parent or legal guardian of the minor and have all rights and permissions necessary to post such photo. No photos may be posted by individuals under the age of 13. If you post photos of your child, do not identify the full name, address, telephone, or location where photo was taken if it's a location your child frequents.

License of Intellectual Property – For any content that you submit, including, but not limited to, data, text, messages, files, documents, images, photographs, videos, audiovisual works, musical compositions, sound recordings, postings, your and/or other persons' names, likenesses, voices, screen names, profiles, actions, appearances, performances and/or other biographical information or material, and any other materials, you grant cuLearn with Thrivent a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute such content and/or incorporate such content into any form, medium or technology throughout the world, on an unrestricted basis for any purpose, without the requirement of any permission from or compensation to you or any other person or entity.

Removal of Content –  If you believe that any content posted to any of our social media pages infringes your intellectual property rights, you may consider reporting it to the social media page by its designated reporting method; you may also see our Copyright and Copyright Agent Information  to learn of steps you may be able to take under the Digital Millenium Copyright Act. cuLearn with Thrivent reserves the right (but not the responsibility) to remove any posts, without notice. If cuLearn with Thrivent doesn't remove a post, that doesn't mean that cuLearn with Thrivent endorses its content or views. cuLearn with Thrivent also reserves the right to waive or modify any of these terms as they apply to a specific posting or individual, without affecting the application of these terms to all other postings and individuals.

Third-party Content – The presence of third-party/external links on our social media pages page does not represent an official endorsement or recommendation on behalf of cuLearn with Thrivent. Additionally, cuLearn with Thrivent is not responsible for, nor does it endorse, advertisements that social media platforms may publish on our social media pages or any other content that may be available on other pages of the social media platform. cuLearn with Thrivent is not responsible for the terms of use, privacy or security policies of the social media platforms, or other sites that may be linked to from these platforms. As always, use caution and good judgment when using any third-party sites or applications available on the Internet.

Endorsements and Testimonials –By engaging with our social media pages, you're making a connection with us and our page. It is not intended to be an "endorsement" of the products or services of cuLearn with Thrivent or our affiliates. Thrivent and cuLearn with Thrivent do not solicit testimonials or endorsements via social media sites, particularly those about investment advisory products and services. While we hope you have a great experience working with cuLearn with Thrivent and Thrivent Financial, to ensure we're complying with industry regulations, we ask that you please do not post testimonials about your experience with us, including testimonials about your personal financial representative or your experience with a product or service.

Limitation on Liability – You are responsible for what you post and accept all risk inherent in engaging on our social media pages. cuLearn with Thrivent is not responsible for users’ actions, content, information, or data, and you agree to indemnify cuLearn with Thrivent and all respective officers, directors, owners, employees, agents, representatives and assigns against any losses, damages, liabilities and costs known or unknown (including, without limitation, settlement costs, any legal or other fees and expenses for investigating or defending any actions or threatened actions) incurred by us in connection with any claims arising out of the use of our social media pages. We will not be liable to you for any lost profits or other consequential, special, indirect, or incidental damages arising out of or in connection with your use of our social media pages. We disclaim all warranties of any kind, whether express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement and fitness for a particular purpose. The foregoing does not affect any warranties which cannot be excluded or limited under applicable law. In such cases, our liability will be limited to the fullest extent permitted by applicable law.

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