PRIVACY POLICY

LifeLegacy.me

1. INTRODUCTION

Welcome to LifeLegacy.me ("Platform," "Service," "we," "us," or "our"). LifeLegacy.me is a Delaware corporation that operates a secure digital estate planning platform.

This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our Platform. This Policy applies to all users: Professionals (Insurance Agents, Financial Planners, and Attorneys), Clients (individuals who use the Platform for digital estate planning), and Trusted Contacts (individuals designated by Clients to access their digital files).

By using LifeLegacy.me, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with this Policy, please do not use our Platform.

2. INFORMATION WE COLLECT

2.1 Information You Provide Directly

Professional Users:

Full name and professional credentials
Business name and contact information
Email address and phone number
Professional license information (not verified by us)
Payment information (processed by third-party payment processors)
Account credentials (username and password)
Communication preferences

Client Users:

Full name and contact information
Email address and phone number
Date of birth
Account credentials (username and password)
Trusted Contact information (names, email addresses, relationships)
Digital Assets (documents, files, photos, videos, credentials, and any other content you upload)
Instructions and preferences for Trusted Contact access
Communication preferences
Any information contained within uploaded Digital Assets

Trusted Contact Users:

Full name and contact information
Email address and phone number
Relationship to Client
Identity verification information (when accessing Client data)
Documentation related to access activation (death certificates, medical documentation, etc.)

2.2 Information Collected Automatically

When you access our Platform, we automatically collect certain information:

Usage Data:

IP address and geographic location
Browser type and version
Operating system
Device information (type, model, unique identifiers)
Pages visited and features used
Time and date of visits
Time spent on pages
Referring website addresses
Click patterns and navigation paths

Technical Data:

Cookies and similar tracking technologies
Log files and server logs
Error reports and performance data
Session information

Security Data:

Login attempts and authentication data
Security event logs
Access patterns for security monitoring

2.3 Sensitive Information

We recognize that Digital Assets uploaded by Clients may contain highly sensitive personal information, including but not limited to financial account information, Social Security numbers, health information, legal documents, insurance policies, property deeds, personal correspondence, and digital asset credentials. While we implement robust security measures, you should be aware of the sensitive nature of information you choose to store on the Platform.

3. HOW WE USE YOUR INFORMATION

3.1 Primary Purposes

We use your information to:

Create and manage your account
Authenticate users and prevent unauthorized access
Store and protect your Digital Assets
Facilitate access for designated Trusted Contacts
Process subscription payments
Provide customer support
Send service-related notifications
Analyze usage patterns and trends
Identify and fix technical issues
Develop new features and functionality
Enhance user experience
Monitor for suspicious activity
Detect and prevent security breaches
Comply with legal obligations

3.2 Marketing Communications (Optional)

With your explicit consent, we may use your email address to send product updates, tips, industry news, and special offers. You may opt out at any time by clicking "unsubscribe" in emails or adjusting preferences in account settings.

4. HOW WE SHARE YOUR INFORMATION

CRITICAL PRIVACY PROTECTION:

Professionals CANNOT and DO NOT have access to:

Client Digital Assets
Contents of files uploaded by Clients
Trusted Contact access events or details
Any Client data beyond basic roster information

Professionals CAN see:

Names and contact information of their Clients
Account status (active/inactive)
Subscription and billing information
General platform usage statistics

4.1 Service Providers and Third Parties

We share information with trusted third-party service providers who assist in operating our Platform:

Infrastructure and hosting providers
Payment processors (we do NOT store complete credit card information)
Security and fraud prevention services
Communication services
Analytics and performance monitoring
Legal and compliance services

4.2 Legal Requirements and Protection

We may disclose your information when required by law, to protect our legal rights, enforce our Terms and Conditions, or to prevent fraud, abuse, or illegal activity.

5. DATA SECURITY

5.1 Security Infrastructure

LifeLegacy.me employs industry-leading security measures to protect your information:

Encryption:

AES-256 Encryption at Rest: All Digital Assets encrypted using Advanced Encryption Standard with 256-bit keys
SSL/TLS Encryption in Transit: All data transmission protected by SSL/TLS 1.2 or higher
Database encryption for all stored personal information
Encrypted backups stored in geographically distributed locations

HIPAA-Level Security Standards:

Role-based access control (RBAC) systems
Multi-factor authentication (MFA) options
Comprehensive activity logging
Security event monitoring and alerting
Data validation and verification
Intrusion detection and prevention systems

5.2 Security Limitations

Despite our comprehensive security measures, you acknowledge that no system is completely secure, internet transmission carries some risk, and we cannot guarantee absolute security.

6. YOUR PRIVACY RIGHTS

6.1 Access and Portability Rights

You have the right to request confirmation of what personal information we hold, access to your personal information, and a copy of your Digital Assets in a structured, machine-readable format.

6.2 Correction and Update Rights

You have the right to correct inaccurate or incomplete personal information. You can update most information directly through account settings or contact support@lifelegacy.me for assistance.

6.3 Deletion Rights

You may request deletion of your personal information, including all Digital Assets. Data is deleted within 30 days, with backup copies purged according to backup schedules (typically 90 days).

6.4 Marketing Communication Preferences

You may opt out of marketing communications at any time by clicking "unsubscribe" in emails, adjusting preferences in account settings, or contacting privacy@lifelegacy.me. You cannot opt out of essential service communications.

7. DATA RETENTION

7.1 Active Accounts

Digital Assets retained indefinitely while account remains active
Usage data typically retained for 24 months for analytics
Security logs retained for 12 months
Billing history retained for 7 years for tax purposes

7.2 Account Closure and Data Deletion

Digital Assets permanently deleted within 30 days of deletion request
Client data retained for 90 days after Professional subscription cancellation
Some metadata retained for legal and security purposes
Backup copies purged according to backup retention schedules

8. COOKIES AND TRACKING

8.1 Types of Cookies

Essential Cookies (Required):

Authentication, security, load balancing, user preferences - necessary for Platform operation

Functional Cookies (Optional):

Remember preferences, personalize experience, enhance features

Analytics Cookies (Optional):

Understand usage patterns, measure performance, identify improvements

8.2 Cookie Management

You can control cookies through browser settings or our Cookie Preference Center in account settings. Disabling essential cookies will prevent Platform functionality.

9. CHILDREN'S PRIVACY

LifeLegacy.me is intended solely for users aged 18 and older. We do not knowingly collect personal information from individuals under 18. If we discover a user is under 18, we will immediately terminate the account and delete all associated data.

10. CALIFORNIA PRIVACY RIGHTS

10.1 CCPA Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA):

Right to know what personal information we collect
Right to delete personal information
Right to correct inaccurate information
Right to opt out of sale/sharing (we don't sell, but right is provided)
Right to non-discrimination
Right to limit use of sensitive personal information

10.2 Exercising California Rights

Submit requests to privacy@lifelegacy.me. We verify your identity and respond within 45 days. We do not charge fees for privacy rights requests unless manifestly unfounded or excessive.

11. INTERNATIONAL DATA TRANSFERS

Your information may be stored on servers in the United States and processed by service providers in various locations. We implement appropriate safeguards including Standard Contractual Clauses, encryption for international transfers, and compliance with applicable privacy laws in the US, Canada, and Mexico.

12. CHANGES TO THIS PRIVACY POLICY

12.1 Right to Modify

We reserve the right to modify this Privacy Policy at any time. When we make material changes, we will update the "Last Updated" date, send email notification to registered users, and post prominent notice on the Platform.

12.2 Your Acceptance

Continued use of the Platform after changes take effect constitutes acceptance of the updated Privacy Policy. If you do not agree with changes, you should discontinue use of the Platform and delete your account.

Complete Privacy Policy Available

This is a summary of our Privacy Policy. The complete document includes additional sections on Canadian and Mexican privacy rights, detailed data retention schedules, security breach procedures, and comprehensive contact information. For the full Privacy Policy, please contact us at privacy@lifelegacy.me to request the complete document.

Contact Information

For questions, concerns, or requests regarding this Privacy Policy:

Privacy: privacy@lifelegacy.me

Support: support@lifelegacy.me

Security: security@lifelegacy.me

Website: www.lifelegacy.me

Important Notice

This Privacy Policy is effective as of October 3, 2025. By using LifeLegacy.me, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and disclosure of your information as described herein.