Privacy Policy

This Privacy Policy explains how Financial Planner AI, LLC (“Financial Planner AI,” “we,” “us,” or “our”) collects, uses, discloses, retains, and protects personal information in connection with:

• The QuickScan upload page and related public website pages that link to this Policy.
• The free Policy QuickScan upload and email-delivery service (“QuickScan”).
• Demo requests, inquiries, and other communications submitted through our public websites.

QuickScan may be used by an individual policy owner or by a financial professional, trustee, attorney, accountant, business representative, or other person authorized to act for a policy owner.

Our QuickScan Terms of Service govern your use of QuickScan. They explain who may upload an illustration, what QuickScan is and is not, how its output may be used, and other important legal terms.

Enterprise services

This Privacy Policy does not replace the privacy, security, confidentiality, or data-processing terms in a signed agreement for Insurance Planner AI Professional or another enterprise service.

When an enterprise agreement, data processing addendum, order form, or other signed agreement applies, that agreement governs the enterprise customer's use of the applicable service and controls if it conflicts with this Policy.

1. Information we collect

Information submitted for QuickScan

When you request a QuickScan, we collect:

• The email address you provide.
• The life insurance carrier illustration you upload.
• Information extracted from that illustration.
• The QuickScan generated from the illustration.
• Information associated with delivering the QuickScan by email.
• The date and time of the submission.
• The version of the Terms and agreement notice associated with the submission.
• Technical and security information associated with the request.

A life insurance illustration may contain information about the policy owner, insured, insurance professional, or other individuals, including:

• Names and contact information.
• Date of birth, age, and sex.
• Underwriting or tobacco classification.
• Policy number or other policy identifiers.
• Insurance carrier and product information.
• Death benefits, premiums, cash values, loans, withdrawals, and guarantees.
• Policy design, funding, and illustrated-performance information.
• Insurance professional or agency information.
• Other information included by the insurance carrier in the illustration.

QuickScan does not require Social Security numbers, banking credentials, account passwords, medical records, or other information unrelated to the illustration analysis. Please remove or redact unnecessary information before uploading it.

Information submitted by a professional

When a financial professional or other representative submits an illustration, the illustration may contain personal information about a policy owner or insured who is not the person making the submission.

The person submitting the illustration is responsible for having the policy owner's permission or other legally sufficient authority. We process the information to provide the requested QuickScan and for the other limited purposes described in this Policy.

Website, device, and usage information

When you visit our public website or use QuickScan, we and our service providers may automatically collect:

• IP address.
• Browser and device type.
• Operating system.
• General geographic area derived from an IP address.
• Pages viewed and links selected.
• Referring page or website.
• Date, time, and duration of activity.
• Error, performance, security, and delivery logs.
• Other information needed to operate and protect the website.

We may use necessary cookies, local storage, and privacy-focused analytics technologies to operate the website, understand general usage, identify technical problems, and prevent misuse.

We do not use third-party advertising cookies or use QuickScan information for cross-site behavioral advertising.

Communications and demo requests

If you contact us, request a demo, or communicate with us, we may collect:

• Your name.
• Email address and telephone number.
• Company, role, or professional information.
• The contents of your message.
• Scheduling information.
• Records of our communications.

A third-party scheduling or communication service may collect information under its own privacy policy when you choose to use that service.

2. How we use information

We use personal information for the following purposes.

To provide QuickScan

We use the submitted illustration and related information to:

• Receive and process the illustration.
• Extract and organize policy information.
• Generate the AI-assisted preliminary summary.
• Identify notable policy features and areas for deeper review.
• Display selected illustrated policy values.
• Deliver the QuickScan to the email address provided.
• Respond to questions about the submission or delivery.

To operate and protect the service

We may use information to:

• Maintain and troubleshoot the website.
• Detect fraud, misuse, malicious files, and unauthorized activity.
• Enforce submission and volume limits.
• Protect users, Financial Planner AI, and our service providers.
• Maintain records of submissions, delivery, and agreement to the Terms.
• Investigate errors, complaints, and security events.

To communicate with you

We use the email address you provide to send:

• The requested QuickScan.
• Delivery, support, security, or service-related messages.
• Responses to your questions or requests.

The requested QuickScan email may include standard links or information about Insurance Planner AI Professional, including an invitation to explore the platform or request a demonstration.

We may send separate marketing communications as permitted by law. You may unsubscribe from ongoing marketing emails at any time. Unsubscribing from marketing does not prevent us from sending a requested QuickScan or another necessary service-related message.

We do not use information contained in a policy illustration to select targeted advertising or determine which marketing message you receive.

To improve our service

We may use aggregated operational information that does not reasonably identify an individual, policy owner, insured, or policy to understand service performance, correct errors, and develop features.

We may access a specific illustration or QuickScan only as reasonably necessary to generate and deliver the requested QuickScan, provide requested support, investigate an error or security event, prevent misuse, or comply with law.

We do not use uploaded illustrations or QuickScan outputs for general AI model training.

To comply with law and protect legal rights

We may use information to:

• Comply with applicable laws, court orders, subpoenas, and legal process.
• Respond to valid government or regulatory requests.
• Establish, exercise, or defend legal claims.
• Enforce our Terms of Service.
• Protect the rights, safety, property, and security of Financial Planner AI, our users, and others.

3. AI processing and automated redaction

QuickScan uses automated document-processing and artificial intelligence technologies to read the submitted illustration and generate a preliminary informational summary.

Redaction

We use automated technology designed to reduce or redact certain identifying information before information is submitted to applicable artificial intelligence providers.

Automated redaction is not perfect. It may fail to recognize some personal information, and information needed to understand the policy may remain in the material processed.

You should not upload personal information that is unnecessary for the QuickScan.

AI model training

We do not use uploaded policy illustrations or QuickScan outputs to train our artificial intelligence models or third-party artificial intelligence models.

We use artificial intelligence providers through business services subject to contractual data-use restrictions.

No automated eligibility or insurance decisions

Financial Planner AI does not use QuickScan to make decisions about:

• Insurance eligibility or underwriting.
• Policy issuance.
• Credit.
• Employment.
• Housing.
• Access to a financial product.
• Another legal or similarly significant matter.

QuickScan produces an informational output for human review. We do not independently take action concerning the policy based on that output.

4. How we disclose information

We disclose personal information only as reasonably necessary for the purposes described in this Policy.

Service providers

We may disclose information to service providers that support:

• Website and cloud hosting.
• Document receipt, storage, and processing.
• Automated redaction.
• Workflow automation.
• Artificial intelligence processing.
• Database and infrastructure services.
• Email generation and delivery.
• Analytics, performance, fraud prevention, and security.
• Customer support and communications.

Depending on the service performed, these providers may receive the email address you submit, the uploaded illustration, extracted policy information, the generated QuickScan, device and usage information, or communications with us. Each provider receives only the information reasonably necessary to perform its services.

We select providers based in part on their privacy, security, and data-use commitments. Our provider agreements are intended to limit the provider's use of information to the services it performs for us.

Professional advisors

We may disclose information to our attorneys, accountants, auditors, insurers, consultants, and other professional advisors when reasonably necessary for their work.

Legal and safety disclosures

We may disclose information when we reasonably believe disclosure is necessary to:

• Comply with law or valid legal process.
• Respond to government or regulatory authorities.
• Investigate fraud, misuse, or security incidents.
• Protect legal rights, safety, property, or systems.
• Prevent harm to another person.

Corporate transactions

Information may be disclosed or transferred as part of a merger, acquisition, financing, reorganization, sale of assets, due-diligence process, or similar business transaction.

Any successor receiving personal information remains subject to applicable law and to the commitments that apply to the information.

At your direction

We may disclose information when you request or authorize us to do so.

For example, your email provider receives the QuickScan when we deliver it to the email address you supplied.

5. What we do not do

We do not:

• Sell personal information for money or other valuable consideration.
• Share personal information for cross-context behavioral advertising.
• Use policy illustrations or QuickScan outputs to train AI models.
• Use policy information for insurance underwriting or eligibility decisions.
• Use policy information to target advertising.
• Rent or provide email lists to third-party marketers.
• Publicly disclose submitted illustrations or QuickScan outputs.

We disclose information to contracted service providers for the limited operational purposes described above. Those service-provider disclosures are not sales of personal information.

6. Data retention and deletion

We retain information only for as long as reasonably necessary for the purposes described in this Policy.

QuickScan illustrations and outputs

We retain uploaded illustrations and generated QuickScan outputs in active production systems for up to 30 days after submission.

After that period, the uploaded illustration and generated QuickScan are deleted from active production systems unless:

• You request continued support concerning the submission.
• We reasonably need the information to investigate fraud, misuse, or a security event.
• A legal obligation or legal hold requires longer retention.
• You separately authorize longer retention.
• A signed enterprise agreement provides otherwise.

Deleted information may remain in encrypted or access-controlled backup systems for up to 90 additional days before being overwritten or expiring through the normal backup cycle.

We may retain aggregated operational statistics that do not reasonably identify an individual, policy owner, insured, or policy.

Email copies

Once a QuickScan is delivered, a copy may remain in the recipient's email account and in systems operated by the recipient's email provider. We do not control deletion from the recipient's mailbox.

Deleting information from our systems does not delete copies that a recipient has downloaded, forwarded, printed, or independently stored.

Submission and compliance records

We may retain limited records after deleting the illustration and QuickScan, including:

• The submitted email address.
• Submission date and time.
• Delivery status.
• Terms and Privacy Policy versions.
• The agreement notice displayed at submission.
• Security and abuse-prevention records.
• Records of deletion, privacy, or legal requests.

We retain these limited records for as long as reasonably necessary to document the transaction, maintain security, comply with law, resolve disputes, and enforce our agreements.

Communications and marketing records

We retain communications for as long as reasonably necessary to respond, maintain business records, and address legal or support matters.

We retain marketing preferences so that we can honor an unsubscribe request.

Deletion requests

You may request deletion by emailing rpc@financialplanner-ai.com with the subject line:

Privacy Request — Delete My Information

Please include the email address used for QuickScan and enough information for us to identify the submission.

A request may be subject to identity verification and legally permitted exceptions.

7. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information based on the nature of the information and the service.

These safeguards may include:

• Encryption during transmission.
• Access controls.
• Authentication controls for administrative access.
• Logging and monitoring.
• Vendor review and contractual restrictions.
• Data minimization and retention controls.
• Security and incident-response procedures.

No website, email system, artificial intelligence service, transmission method, or storage system is completely secure. We therefore cannot guarantee absolute security.

If we discover a security incident involving personal information, we will investigate and provide notices to affected individuals, customers, regulators, or others when required by applicable law.

8. Your privacy rights and choices

Depending on where you live and the law that applies, you may have the right to:

• Confirm whether we process your personal information.
• Access personal information we maintain about you.
• Correct inaccurate information.
• Request deletion.
• Obtain a portable copy of certain information.
• Withdraw consent where processing is based on consent.
• Opt out of a sale of personal information.
• Opt out of targeted advertising.
• Opt out of certain profiling.
• Appeal a decision concerning a privacy request.
• Exercise privacy rights without unlawful discrimination.

We do not currently sell personal information, use it for targeted advertising, or use it for profiling that produces legal or similarly significant effects.

Submitting a request

Email rpc@financialplanner-ai.com with the subject line:

Privacy Request

Describe the right you wish to exercise and include the email address associated with QuickScan or your communication with us.

We may ask for information reasonably necessary to verify your identity and locate the relevant records. We will use verification information only to process and document the request.

Information submitted by another person

When a financial professional or representative submitted the illustration, we may need to:

• Verify the identity or authority of the person making the request.
• Coordinate with the submitting professional or organization.
• Determine whether we process the information under that party's instructions.
• Apply the relevant enterprise agreement or legal exception.

Both the submitter and a person whose information appears in an illustration may contact us with a privacy concern.

Authorized agents

Where applicable law permits, an authorized agent may submit a privacy request for you. We may request evidence of the agent's authority and may contact you directly to verify the request.

Appeals

If we deny a request and applicable law gives you a right to appeal, reply to our decision with the subject line:

Privacy Appeal

Explain why you believe the decision should be reconsidered.

If we deny an appeal, we will provide any additional complaint information required by applicable law.

We will respond within the time required by applicable law.

Marketing communications

You may opt out of an ongoing marketing email by:

• Selecting the unsubscribe link in the email; or
• Contacting rpc@financialplanner-ai.com.

You will still receive a QuickScan that you request and necessary service, support, privacy, security, or legal communications.

Browser and analytics controls

You may control cookies and local storage through your browser settings. Disabling necessary technologies may affect website functionality.

9. Children's privacy

QuickScan is intended only for people who are at least 18 years old.

We do not knowingly allow a person under 18 to submit an illustration or request a QuickScan. If we learn that personal information was submitted directly by a person under 18 without legally sufficient authorization, we will take reasonable steps to delete it.

A policy illustration may contain information about an insured who is under 18 when the illustration is lawfully submitted by the policy owner or an authorized adult. In that situation, we process the information only for the purposes described in this Policy.

10. United States service

QuickScan is intended for use in the United States.

We and the service providers we use to operate QuickScan process and store QuickScan information in the United States. This includes hosting, storage, databases, workflow processing, AI endpoints, document processing, logs, backups, email generation and delivery infrastructure, and support access.

If you access QuickScan from outside the United States, your information will be transferred to and processed in the United States, where privacy laws may differ from those in your location.

11. Third-party links and services

The QuickScan email and public website may include links to:

• Insurance Planner AI Professional.
• A demonstration scheduling service.
• Other third-party websites or services.

A third party's privacy policy governs information you provide directly to that third party. We do not control and are not responsible for the third party's independent privacy practices.

12. Changes to this Policy

We may update this Privacy Policy as our practices, technology, or legal obligations change.

When we update it, we will revise the “Last updated” date. If a change materially affects how we use information already collected, we will provide additional notice when required by law.

Changes apply prospectively unless applicable law permits otherwise.

13. Contact us

For privacy questions, deletion requests, access requests, appeals, or security concerns, contact:

Financial Planner AI, LLC

New Jersey, United States

Email: rpc@financialplanner-ai.com

Use “Privacy Request” in the email subject line when exercising a privacy right.