Cookie Policy

INTRODUCTION

This Cookie Policy explains how Financial Planner AI, LLC ("we," "us," or "our") uses cookies and similar technologies on our websites at https://www.finplan-ai.com, https://www.lifeinsuranceplanner-ai.com, and any other websites we operate (collectively, the "Services").

Financial Planner AI provides software tools for analyzing life insurance policies. We are not an insurance company, insurance agent, insurance broker, or licensed insurance professional.

This Cookie Policy is part of and incorporated into our Privacy Policy and Terms of Service. By using our Services, you agree to the use of cookies and similar technologies in accordance with this Cookie Policy, our Privacy Policy, and our Terms of Service.

Intended Users: Our Services are used by policy owners analyzing their own life insurance policies and by licensed financial professionals analyzing policies on behalf of policy owners with proper authorization. This Cookie Policy applies equally to both user types.

1. WHAT ARE COOKIES?

Cookies are small text files that are placed on your device when you visit a website. They are widely used to make websites work more efficiently, provide a better user experience, and provide information to website owners.

Other similar technologies include:

• Web beacons (also called pixel tags or clear GIFs): Small graphics with unique identifiers that function similarly to cookies
• Local storage: Technology that stores data locally on your device
• Session storage: Temporary storage that is deleted when you close your browser

2. CATEGORIES OF COOKIES WE USE

We use the following categories of cookies on our Services:

3. HOW WE USE COOKIES

We use cookies for the following purposes:

• Website functionality: To enable core features and remember your preferences
• Analytics: To understand how users interact with our Services and improve user experience
• Security: To help authenticate users and prevent fraudulent use
• Performance: To monitor website performance and identify technical issues
• Marketing: To deliver relevant content and measure marketing effectiveness

4. THIRD-PARTY COOKIES

Some cookies are placed by third-party services that appear on our pages. We do not control these cookies, and they are governed by the respective third party privacy policies:

• Google Analytics: Used for website analytics (Privacy Policy)
• Facebook: Used for marketing analytics (Privacy Policy)
• LinkedIn: Used for marketing analytics (Privacy Policy)

International Data Transfers

Third-party cookies process data primarily in the United States. However, our third-party cookie providers (Google, Facebook, LinkedIn) are global companies that may process cookie data in other countries where they operate, subject to their respective privacy policies and data protection frameworks.

Important distinction: This applies to cookie data collected by third parties. Personal information you upload directly to our Services (such as life insurance policy illustrations) is processed only within the United States, except for backup or disaster recovery purposes, as described in our Privacy Policy.

By using our Services and accepting third-party cookies, you consent to this international processing of cookie data. Please review the privacy policies of our third-party providers for detailed information about their data handling practices and international data transfers.

While we select third-party providers based on their security certifications and data protection commitments, we cannot control their internal data processing operations.

5. YOUR COOKIE CHOICES

Cookie Consent

When you first visit our Services, you will see a cookie banner that allows you to:

• Accept all cookies
• Reject non-essential cookies
• Customize your cookie preferences

You can change your cookie preferences at any time by adjusting your browser settings as described below.

Browser Controls

Most web browsers allow you to control cookies through their settings:

• Chrome
• Firefox
• Safari
• Edge
• Internet Explorer

Opt-Out Tools

You can opt out of interest-based advertising from participating companies:

• Network Advertising Initiative
• Digital Advertising Alliance
• Google Analytics Opt-out Browser Add-on

Do Not Track

Some browsers offer a "Do Not Track" setting. Our Services do not currently respond to Do Not Track signals. For more information, visit www.allaboutdnt.com.

6. IMPACT OF DISABLING COOKIES

If you disable cookies, please be aware that:

• Some features of our Services may not function properly
• You may not be able to access certain areas of our Services
• Your user experience may be significantly impacted
• You may need to adjust settings each time you visit
• Essential cookies are necessary for the Services to function and cannot be disabled through our cookie banner

7. COOKIES ON MOBILE DEVICES

When using our Services on mobile devices, similar technologies may be used:

• Mobile advertising IDs: Used for marketing analytics
• Mobile analytics: Used to understand mobile app usage
• Local storage: Used to store preferences

You can control these through your device settings:

• iOS: Settings > Privacy > Advertising
• Android: Settings > Google > Ads

8. CHANGES TO THIS COOKIE POLICY

We may update this Cookie Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by updating the "Effective" date at the top of this policy. Your continued use of our Services after any changes constitutes your acceptance of the updated Cookie Policy.

9. DATA RETENTION

Cookie data is retained for the durations specified in Section 2 above. You can delete cookies at any time through your browser settings. Please note that:

• Essential cookies will be reset when you visit our Services again
• Deleting cookies may impact your user experience
• Third-party cookie retention is controlled by the respective third parties

10. APPLICABLE LAW

This Cookie Policy is governed by the laws of the State of New Jersey, without regard to its conflict of law principles. If any court or regulatory authority determines that the law of a jurisdiction other than New Jersey applies to any aspect of this Cookie Policy, the provisions of this Cookie Policy shall be enforced to the maximum extent permitted under applicable law. If any provision is found unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be made enforceable, it shall be severed, and all other provisions shall remain in full force and effect.

Limitation of Liability

Our liability for any security incident, unauthorized access, or data breach related to cookie data is limited to the maximum extent permitted by law, as set forth in Section 14.2 of our Terms of Service. This includes any incidents involving third-party cookies placed by our service providers. For complete information about our liability limitations, please review our Privacy Policy and Terms of Service.