Privacy Policy

Effective: June 5, 2025

This Privacy Policy describes how Financial Planner AI, LLC and its subsidiaries and affiliates (collectively "Financial Planner AI," "us," "we," or "our") collect, use, and share personal information in connection with our websites at https://www.finplan-ai.com, https://www.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, social media pages, events, emails, 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.

This Privacy Policy does not apply to personal information that we may store, maintain, or process as a data processor/service provider on behalf of Financial Planner AI customers. For more information about the privacy practices of Financial Planner AI customers, please contact the relevant customer.

Financial Planner AI reserves the right, at any time, to modify this Privacy Policy. If we modify how we collect, use, or share personal information, we will notify you by revising the "Effective" date at the top of this Privacy Policy. For material changes, we will provide additional notice (such as posting a notice on our Site or sending you an email notification). Your continued use of the Service following posting or other notification of changes constitutes your acknowledgement of such changes.

1. COLLECTION OF PERSONAL INFORMATION

Personal 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, company location, and other details about your business or profession
Account information including information provided during registration or agreement submission, records of products and services you have purchased from us, and other details about your use of the Service
Insurance policy information such as life insurance policy illustrations that may include an owner's and/or the insured's name, insured's date of birth, address information, agent or agency name, address and phone number. This information is redacted/removed from the policy illustration before illustration data is passed to OpenAI and Anthropic for AI analysis.
Payment information such as bank account number, credit or debit card number, or financial account details used for payments. All payment processing services connected with your use of the Service are provided to you by third-party payment processors. We accept payment from Clients in the form of credit cards, debit cards, and e-checks. Financial Planner AI does not store any credit card or banking information. We are not responsible nor have any liability if you suffer any damages of any kind from your use of the products and services offered by Stripe, OpenAI and Anthropic. You agree that you are subject to the terms and conditions and privacy policies of these companies:
We may also store your billing address to calculate any sales tax due in the United States, to maintain records that may be used for investigations of potentially fraudulent credit card transactions, and to print on your invoices. We may collect commercial information such as your purchase history, including records of products or services you have purchased, provided, returned, or are considering purchasing from us.
Preferences including marketing or communications preferences
Survey responses provided in questionnaires or feedback forms
Communications associated with your requests or inquiries, including for support, assistance, or order information, and any feedback you provide when you communicate with us. We and our service providers may also record or monitor any call or chat you have with us for quality control or training purposes, or to enforce our rights.

Personal Information from Third Parties

We may obtain personal information about you from third parties, such as social media platforms and other public sources, third parties that help us advertise our services and find new customers, joint marketing partners, event co-sponsors, and other third parties.

Personal Information Collected Automatically

We, our service providers, and our advertising partners may automatically log information about you, your computer or mobile device, and your activity over time on our Service and other sites and online services, such as:

Device data such as your computer or mobile device operating system type and version number, manufacturer and model, browser type, screen resolution, IP address, unique identifiers, the website you visited before browsing to our website, and general location information such as city, state, or geographic area.
Online activity data such as pages or screens you viewed, how long you spent on a page or screen, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.

Cookies and Similar Technologies

Like many online services, we use the following technologies to facilitate some of our automatic data collection:

Cookies, which are text files that websites store on a visitor's device to uniquely identify the visitor's browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, helping us understand user activity and patterns, and facilitating online advertising.
Web beacons, also known as pixel tags or clear GIFs, which are typically used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked, typically to compile statistics about usage of websites and the success of marketing campaigns.
Local storage, which is used to save data on a visitor's device. We may use data from local storage to, for example, turn on web navigation, store multimedia preferences, customize what we show you based on your past interactions with our Service, and remember your preferences.
Session-replay technologies, which are third-party software programs that we may use on the Site to record a video replay of user's interactions with the Site. The video replay may include users' clicks, mouse movements, scrolls, mobile app touches, typing, and other activity taken during the session. We use these replays for research and development purposes, such as to help us troubleshoot problems with the Site, understand how users interact with and use the Site, and identify areas for improvement.

Referrals

If you refer someone to us or share their contact information with us, please do so only if you have their permission.

2. THIRD-PARTY AI SERVICES

Our Services utilize artificial intelligence technologies provided by third parties including OpenAI and Anthropic. When you upload insurance policy illustrations or other information, this data may be processed by these third-party AI services to generate analyses. Before any data is passed to these third-party AI services, we redact/remove personal identifying information such as names, dates of birth, addresses, and agent or agency information.

Your use of our Services constitutes acceptance that your de-identified data may be processed by these third-party AI providers according to their respective terms of service and privacy policies. We are not responsible for the privacy practices or policies of these third-party providers.

3. USE OF PERSONAL INFORMATION

Financial Planner AI uses personal information for the purposes set forth below and as otherwise described in this Privacy Policy or at the time of collection.

To Provide the Service

Processing transactions and granting access to our online products and technology
Establishing, managing, monitoring, and maintaining your account
Improving and personalizing your experience on or with the Service
Verifying your identity or determining your eligibility for offers or promotions
Communicating with you, including providing notices about your account or transaction and responding to requests
Contacting you by phone, email, or other form of communication
Providing contests, surveys, sweepstakes, or other promotions you participate in
Providing maintenance and support

Research and Development

Improving the Services and developing new features
Studying and analyzing usage trends and user preferences
Creating aggregated, de-identified, or anonymous data from personal information

Marketing and Advertising

Sending Financial Planner AI-related or other direct marketing communications as permitted by law
Displaying interest-based advertising using third-party advertising companies
Displaying customer testimonials with consent

For Compliance, Fraud Prevention, and Safety

Maintaining the safety, security, and integrity of the Service, business, databases, and other technology assets
Protecting our, your, or others' rights, privacy, safety or property (including by making and defending legal claims)
Auditing our internal processes for compliance with legal and contractual requirements and internal policies
Enforcing the terms and conditions that govern the Service
Preventing, identifying, investigating, and deterring fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft
Complying with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities

4. LEGAL BASES FOR PROCESSING

We process personal information based on the following legal bases:

Contract: To provide our Services and fulfill our contractual obligations to you
Legitimate Interests: For our business operations, security, fraud prevention, and service improvement
Consent: For marketing communications and optional features
Legal Obligation: To comply with applicable laws and legal requirements

In addition to the sharing described elsewhere in this Privacy Policy or at the point of collection, Financial Planner AI may share your personal information as follows:

Related Companies: Our affiliates, subsidiaries, and other related companies
Service Providers: Third parties who perform services on our behalf that are necessary for the orderly operation of our business, including website hosting, cloud storage, email services, workflow automation, maintenance services, database management, analytics, payment processing, marketing, customer relationship management, and other purposes
Advertising Partners: Companies that help with advertising campaigns or that collect information about your activity on the Service for interest-based advertising
Contest and Joint Marketing Partners: Partners that provide content and features through the Service, and who may send you promotional materials or contact you regarding their products and services
Professional Advisors: Persons, companies, or professional firms providing Financial Planner AI with advice and consulting in accounting, administrative, legal, tax, financial, debt collection, and other matters
Law Enforcement and Government Authorities: When required to do so by law or in response to valid requests by public authorities, or to comply with a legal obligation or for the purposes described in the section "For Compliance, Fraud Prevention, and Safety"
Business Transaction Participants: Third parties in connection with any business transaction (or potential transaction) involving a merger, acquisition, sale of shares or assets, financing, consolidation, reorganization, divestiture, or dissolution

6. PROFESSIONAL ADVISOR USE OF SERVICES

If you are a financial advisor, insurance agent, or other financial professional ("Advisor") using our Services on behalf of clients:

You represent and warrant that you have all necessary permissions, authorizations, and consents from your clients to upload their information to our Services.
You acknowledge that you are acting solely as an agent of your client and not of Financial Planner AI. We do not establish any relationship with your clients through your use of our Services.
You remain solely responsible for compliance with all applicable laws, regulations, and professional obligations governing your industry, including but not limited to securities laws, insurance regulations, fiduciary duties, and disclosure requirements.
You shall indemnify, defend, and hold harmless Financial Planner AI from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or relating to: (a) your use of the Services on behalf of clients; (b) any violation of applicable regulations; or (c) any failure to obtain proper authorization from your clients.
You are solely responsible for explaining to your clients how their information will be used when uploaded to our Services. You must provide your clients with access to our Privacy Policy and Terms of Service.
Financial Planner AI makes no representations about the suitability of our Services for assisting you in fulfilling your professional obligations to clients.

7. DATA RETENTION

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy any legal, accounting, or reporting requirements. Our retention periods include:

Account data: For the duration of your account plus 3 years after account closure
Policy analyses and uploaded documents: 30 days, then automatically deleted
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

You may request deletion of your personal information at any time by contacting us at rpc@financialplanner-ai.com, subject to certain legal exceptions.

8. YOUR CHOICES

Account Information

If you have a Financial Planner AI account, you can log into your account to review, delete, and make changes to certain personal information stored in your account. If you need to make a change and are unable to do this through your account settings, please email us using the contact information at the end of this Privacy Policy. We rely on you to update and correct the personal information contained in your account. Note that we may keep historical information in our backup files as permitted by law.

Marketing Emails

You may opt-out of marketing-related emails by clicking the "unsubscribe" link at the bottom of the email or by contacting us as described below. You may still receive service-related communications, such as those relating to your account.

Text Messages

We may offer communications via text messages sent by Financial Planner AI or any of our service providers. To stop receiving text messages from us, reply STOP to any text message you receive from us, or send your request and mobile telephone number to the email address listed at the end of this Privacy Policy. Note that we may send you a message to confirm receipt of your STOP request.

Cookies

Most browsers let you remove and/or stop accepting cookies from the websites you visit. To do this, follow the instructions in your browser's settings. Many browsers accept cookies by default until you change your settings. If you do not accept cookies, however, you may not be able to use all functionality of the Site and it may not work properly. For more information about cookies, including how to see what cookies have been set on your browser and how to manage and delete them, visit www.allaboutcookies.org.

Analytics

We use Google Analytics to help us analyze how our Site is being accessed and used. You can learn more about Google Analytics cookies by clicking here and about how Google protects your data by clicking here. To opt-out of Google Analytics, you can download and install the Google Analytics Opt-out Browser Add-on, available here.

Advertising Choices

You can limit the use of your information for interest-based advertising by:

Blocking third-party cookies in your browser settings
Using browser plug-ins/extensions
Using your mobile device settings to limit the use of the advertising ID associated with your mobile device

You can also opt out of interest-based ads from companies participating in the following industry opt-out programs:

The Network Advertising Initiative (http://www.networkadvertising.org/managing/opt_out.asp)
The Digital Advertising Alliance (https://optout.aboutads.info)

Some of the companies we work with may offer their own opt-out mechanisms. For example, you can learn more about how Google uses cookies for advertising purposes by clicking here and opt-out of ad personalization by Google by clicking here.

Many of the opt-out preferences described in this section must be set on each device or browser for which you want them to apply. Please note that some of the advertising companies we work with may not participate in the opt-out mechanisms described above, so even after opting-out, you may still receive interest-based advertisements from other companies. If you opt-out of interest-based advertisements, you will still see advertisements online but they may be less relevant to you.

Do Not Track

Some browsers may be configured to send "Do Not Track" signals to the online services that you visit. The Site currently does not respond to "Do Not Track" or similar signals. To find out more about "Do Not Track," please visit http://www.allaboutdnt.com.

9. DATA SUBJECT 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 have collected about you
Correction: Request that we correct 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, please contact us at rpc@financialplanner-ai.com. We may need to verify your identity before processing your request.

10. 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 and outputs generated by our AI are informational only and require human review before any decisions are made.

11. CHILDREN'S PRIVACY

The Service is 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 from our files as soon as possible.

12. SECURITY OF PERSONAL INFORMATION

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

Encryption in transit: All data transmitted between your browser and our servers is encrypted using TLS/SSL
Access controls: We limit access to personal information to authorized personnel who need it to perform their job functions
Authentication: Multi-factor authentication for administrative access
Third-party security: Our service providers maintain their own security certifications and measures
Regular reviews: We periodically review our security practices and update them as needed

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

13. 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.

14. THIRD PARTY WEBSITES AND SERVICES

The Service 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 or online services, and we are not responsible for their actions. Other websites and services follow different rules regarding the collection, use, and sharing of your personal information. We encourage you to read the privacy policies of the other websites and online services you use.

15. STATE-SPECIFIC PRIVACY RIGHTS

California Residents

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have additional rights:

Right to Know: You can request information about the categories and specific pieces of personal information we collect, use, disclose, and sell
Right to Delete: You can request deletion of your personal information, subject to certain exceptions
Right to Correct: You can request correction of inaccurate personal information
Right to Opt-Out: You have the right to opt-out of the sale or sharing of personal information (we do not sell personal information)
Right to Limit Use: You can limit use of sensitive personal information
Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise these rights, California residents may contact us at rpc@financialplanner-ai.com.

Nevada Residents

Nevada residents have the right to opt-out of the sale of certain personal information. We do not currently sell personal information as defined under Nevada law. If you are a Nevada resident and wish to exercise this right, please contact us at rpc@financialplanner-ai.com.

Virginia Residents

Under the Virginia Consumer Data Protection Act (VCDPA), Virginia residents have rights to access, correct, delete, obtain a copy of personal data, and opt-out of the processing of personal data for targeted advertising, sale, or profiling.

Colorado Residents

Under the Colorado Privacy Act (CPA), Colorado residents have rights to access, correct, delete, obtain a copy of personal data, and opt-out of the processing of personal data for targeted advertising, sale, or profiling.

Connecticut Residents

Under the Connecticut Data Privacy Act (CTDPA), Connecticut residents have rights to access, correct, delete, obtain a copy of personal data, and opt-out of the processing of personal data for targeted advertising, sale, or profiling.

Utah Residents

Under the Utah Consumer Privacy Act (UCPA), Utah residents have rights to access, delete, obtain a copy of personal data, and opt-out of the processing of personal data for targeted advertising or sale.

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

16. CONTACT INFORMATION

For questions about this Privacy Policy or our privacy practices, please contact us at:

Financial Planner AI, LLC

Email: rpc@financialplanner-ai.com

For legal notices: