Privacy Policy

This Privacy Policy describes how Financial Planner AI, LLC ("Financial Planner AI," "us," "we," or "our") collects, uses, and shares personal information in connection with our websites at finplan-ai.com, lifeinsuranceplanner-ai.com, and any other websites we own and operate that link to this Privacy Policy (collectively, the "Site"), together with our products, services, and other electronic communications (collectively, the "Services").

Your use of our Services is also governed by our Terms of Service, which contains important information about limitations of liability, dispute resolution, and other legal terms. Our Services are designed for policy owners and authorized financial professionals. See our Terms of Service for complete eligibility and authorization requirements.

Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by revising the "Effective" date above and providing additional notice (such as posting a notice on our Site or sending an email). Your continued use of the Services after the effective date of any changes constitutes your acceptance of the updated policy.

1. INFORMATION WE COLLECT

Information You Provide

We collect personal information when you provide it to us, which may include:

• Contact information such as name, email address, phone number, and mailing address
• Professional information such as company name, job title, and other details about your business or profession
• Account information including registration details, records of Services you have used, and other details about your use of the Services
• Insurance policy information such as life insurance policy illustrations that may include an owner's and/or insured's name, date of birth, address, and agent information. Our automated system attempts to identify and redact personal identifying information before AI processing, though this process may not capture all personal information (see Section 4)
• Payment information such as payment method details. We use third-party payment processors (including Stripe) to handle payment processing. Financial Planner AI does not directly store credit card numbers, debit card numbers, or bank account numbers. We may store billing addresses for tax calculation and transaction records for accounting purposes
• Communications associated with your requests, inquiries, support interactions, and feedback

Information Collected Automatically

We and our service providers may automatically collect information about you and your device, including:

• Device data such as operating system, browser type, screen resolution, IP address, unique identifiers, and general location information (city, state, or geographic area)
• Usage data such as pages viewed, time spent on pages, navigation paths, access times, and duration of access

Cookies and Similar Technologies

We use cookies, web beacons, and local storage to facilitate navigation, remember preferences, understand usage patterns, and support analytics. For details on managing cookies, see our Cookie Policy. You can control cookies through your browser settings, though disabling them may affect Site functionality.

2. HOW WE USE YOUR INFORMATION

We use personal information for the following purposes:

To Provide the Services

• Processing transactions and managing your account
• Analyzing policy illustrations and delivering reports
• Communicating with you about your account and transactions
• Providing maintenance and support

Research and Development

• Improving the Services and developing new features
• Analyzing usage trends and user preferences
• Creating aggregated, de-identified data for service improvement

Marketing

• Sending marketing communications as permitted by law
• Displaying relevant content based on usage patterns

Compliance, Fraud Prevention, and Safety

• Maintaining the security and integrity of the Services
• Enforcing our Terms of Service
• Complying with applicable laws and legal process
• Preventing fraudulent or unauthorized activity

Legal Bases

We process your information based on: contractual necessity (to provide our Services), legitimate business interests (for security, fraud prevention, and service improvement), your consent (for marketing communications), and legal obligations (to comply with applicable laws).

3. HOW WE SHARE YOUR INFORMATION

We may share your personal information with the following categories of recipients:

• Service Providers: Third parties that perform services on our behalf, including cloud hosting, document storage, AI processing, payment processing, email delivery, workflow automation, analytics, and customer support
• Professional Advisors: Persons or firms providing Financial Planner AI with legal, accounting, tax, or other professional advice
• Law Enforcement and Government Authorities: When required by law, in response to valid legal requests, or to protect rights, privacy, safety, or property
• Business Transaction Participants: Third parties in connection with any merger, acquisition, sale of assets, financing, or similar corporate transaction

Financial Professional Data Processing

When financial professionals use our Services on behalf of policy owners, we process data under the professional's direction. The financial professional remains responsible for their client relationships and regulatory compliance. For complete professional user requirements, see Terms of Service Section 5. For privacy inquiries related to data processed through a financial professional's use of our Services, please contact the relevant financial professional directly.

What We Do Not Do

• We do not sell your personal information to third parties
• We do not use your data for marketing without consent
• We do not use uploaded policy illustrations or analysis outputs to train AI models
• We do not share data outside our technology partners except as described above

4. DATA PROCESSING AND SECURITY

How We Process Policy Illustrations

Our Services are built on enterprise-grade third-party platforms selected for their security practices and industry certifications. When you upload policy illustrations:

1. Our automated system attempts to identify and redact personal identifying information (names, addresses, dates of birth, agent information) before AI processing, though this process may not capture all personal information
2. De-identified policy data is processed through enterprise AI services with contractual commitments not to train on business data
3. Analysis results are generated and delivered to the email address you provide
4. You maintain control over when to request deletion of illustrations and analyses

All processing occurs within the United States through our enterprise technology partners.

PII Redaction

Our Services employ automated technology to identify and redact personal identifying information from policy illustrations before AI processing. However, automated redaction is not perfect and may fail to identify all personal information. You are responsible for reviewing documents before upload and assume all risk associated with uploading documents containing personal information. For financial professionals, our redaction system is a convenience tool, not a compliance guarantee—you must implement your own controls to meet regulatory obligations.

AI Data Usage

We utilize AI providers who contractually commit not to train on business API data. We do not use uploaded policy illustrations or analysis outputs to train AI models. We may use anonymized and aggregated metadata (such as policy type frequency and processing patterns) to improve service performance. We cannot independently verify third-party practices beyond our contractual agreements.

Automated Decision-Making

Our Services use AI to analyze insurance policies, but we do not make fully automated decisions that have legal or similarly significant effects on you. All analyses are informational outputs that require human review before any decisions are made.

Security Measures

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption: All data encrypted in transit (TLS/SSL) and at rest (AES-256)
• Access controls: Access to personal information limited to authorized personnel with multi-factor authentication for administrative access
• Vendor security: Our technology partners maintain SOC 2 Type II and ISO 27001 certifications. Financial Planner AI does not maintain its own SOC 2 certification; we rely on our vendors' certifications
• No AI training: Your data is never used to train AI models

While we use commercially reasonable efforts to protect your personal information, no method of transmission over the Internet or electronic storage is fully secure, and we cannot guarantee absolute security.

5. DATA RETENTION

We retain personal information for as long as necessary to fulfill the purposes for which it was collected. Our retention periods include:

• Account data: Duration of your account plus 3 years after closure
• Policy illustrations and analyses: User-controlled deletion. When deleted, data is removed from active systems immediately. Our technology partners may retain deleted data in backup systems for up to 90 days
• Usage data: 30 days
• Transaction records: 7 years for tax and accounting purposes
• Marketing data: Until you opt out, plus 90 days
• Legal/compliance data: As required by applicable law

For complete data removal including backup systems, contact rpc@financialplanner-ai.com. We will coordinate with our technology partners to ensure deletion within 90 days of your request, subject to legal holds or regulatory requirements.

6. YOUR RIGHTS AND CHOICES

Data Rights

Depending on your location and applicable law, you may have the following rights regarding your personal information:

• Access: Request information about the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete personal information
• Deletion: Request deletion of your personal information, subject to certain exceptions
• Portability: Receive a copy of your personal information in a portable format
• Restriction: Request that we limit how we process your personal information
• Objection: Object to certain processing of your personal information
• Withdrawal of consent: Where we rely on consent, withdraw your consent at any time

To exercise these rights, contact us at rpc@financialplanner-ai.com. We may need to verify your identity before processing your request.

Marketing Communications

You may opt out of marketing communications by clicking the "unsubscribe" link in any marketing email or by contacting us. You will continue to receive transactional and service-related communications (such as account confirmations, analysis results, and service updates) regardless of your marketing preferences.

Account Information

You can review, update, and delete certain personal information through your account settings. If you need assistance, contact us using the information in Section 12.

Analytics

We use Google Analytics to understand how our Site is used. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

7. STATE-SPECIFIC PRIVACY RIGHTS

California Residents

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have additional rights including: the right to know what personal information we collect, use, disclose, and sell; the right to delete personal information; the right to correct inaccurate information; the right to opt out of the sale or sharing of personal information; the right to limit use of sensitive personal information; and the right to non-discrimination for exercising privacy rights. We do not sell personal information as defined under California law.

Other State Privacy Laws

Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), and Nevada may have additional rights under their respective state privacy laws. These rights generally include the right to access, correct, delete, and obtain a copy of your personal data, and to opt out of targeted advertising or sale of personal data. We do not sell personal information.

To exercise any state-specific privacy rights, contact us at rpc@financialplanner-ai.com.

Multi-Jurisdictional Application

If any court or regulatory authority determines that the law of a jurisdiction other than New Jersey applies to any aspect of this Privacy Policy, the provisions herein shall be enforced to the maximum extent permitted under applicable law. If any provision is found unenforceable, it shall be modified to the minimum extent necessary or severed, and all other provisions shall remain in full force and effect.

8. CHILDREN'S PRIVACY

The Services are not intended for use by anyone under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

9. INTERNATIONAL USERS

Our Services are intended for users in the United States. If you access our Services from outside the United States, you do so at your own risk and are responsible for compliance with local laws. Your information will be transferred to, processed, and stored in the United States. By using our Services from outside the United States, you consent to this transfer.

10. DATA BREACH NOTIFICATION

In the event of a data breach that affects your personal information and creates a risk of harm, we will notify you and applicable regulators in accordance with applicable law. Notification may be provided via email, through our Services, or by other means required by law.

If you are a financial professional and a security incident affects policy owner data you uploaded to our Services, we will notify you as required by applicable law. You remain solely responsible for assessing your own notification obligations to affected policy owners under applicable data breach notification laws and professional or regulatory requirements.

For limitations of liability related to data breaches and security incidents, see Terms of Service Section 11.

11. THIRD-PARTY WEBSITES AND SERVICES

The Services may contain links to other websites and online services operated by third parties. These links are not an endorsement of, or representation that we are affiliated with, any third party. We do not control third-party websites and are not responsible for their practices. We encourage you to read the privacy policies of other websites you visit.