Effective date: April 2, 2021
Life First and its affiliates (“us”, “we”, or “our”) operate the Life First website and associated web application under Life First -related domains (hereinafter collectively referred to as the “Service”).
This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.
We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.
Service is the Life First website and web application operated by Life First.
Personal data means data about a living individual who can be identified from this data or other information either in our possession or likely to come into our possession.
This is information about you or your household that doesn’t identify you personally or that has been aggregated or is no longer identifiable to a specific person.
Usage Data is data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Cookies are small files stored on your device (computer or mobile device).
Information Collection and Use
We collect several different types of information for various purposes to provide and improve our Service to you.
Types of Data Collected
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally, identifiable information may include, but is not limited to:
- Email address
- First name and last name, especially when together
- Phone number
- Address, State, Province, Locality
- ZIP/Postal code, City
- Cookies and Usage Data
We may use your Personal Data to contact you with newsletters, marketing or promotional materials, and other information that may be of interest to you. You may opt-out of receiving any, or all, of these communications from us by following the unsubscribe link or the instructions provided in any email or message that we send.
While using our Service, we may ask you to provide us with additional information that is not used to contact or identify you (“Non-Personal Information”). Non-Personally identifiable information may include, but is not limited to:
- First name
- Household income
- Financial Goals
- Financial Estimates
We may use your Non-Personal Information to provide recommendations that may be of interest to you. We may also use aggregated information that is not personally identifiable to identify and publicize facts or trends. You may opt-out of this usage by requesting that your account be deleted, and your information purged.
We may also collect information on how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customize our Service.
You can enable or disable location services when you use our service at any time through your individual device settings.
Tracking and Cookies
Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
- Session Cookies. We use Session Cookies to operate our Service.
- Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
- Security Cookies. We use Security Cookies for security purposes.
Embedded content from other websites
Pages and/or articles on this site may include embedded “third-party” content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
Life First has no control over third-party content and features (embedded or otherwise). By utilizing this site, you agree to hold Life First harmless for liability for third-party content.
How long we retain your data
We reserve the right to retain your data indefinitely, except where the law requires that data be deleted or destroyed. You have the right to request certain types of data be removed. Though we will make every effort to honor such requests, our capacity to do so may vary.
What rights you have over your data
We do not offer the ability to download personalized data for end-users and/or clients. You have the right to “close out” and have all your data removed. Some data may be controlled by third parties with their own policies and processes holding precedence.
Transfer of Data
Your information, including Personal Data, may be transferred to – and maintained on – computers or servers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
Disclosure of Data
Disclosure for Law Enforcement
Under certain circumstances, Life First may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Life First may disclose your Personal Data in the good faith belief that such action is necessary to:
- To comply with a legal obligation.
- To protect and defend the rights or property of Life First.
- To prevent or investigate possible wrongdoing in connection with the Service.
- To protect the personal safety of users of the Service or the public.
- To protect against legal liability.
Security of Data
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
Our Policy on “Do Not Track” Signals under the California Online Privacy Protection Act (CalOPPA)
We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.
You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
We may employ third-party companies and individuals to facilitate our Service (“Service Providers”), provide the Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyze the use of our Service.
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
For more information on the privacy practices of Google, please visit the Google Privacy Terms web page.
Links to Other Sites
We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
Our Service does not address anyone under the age of 18 (“Children”).
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.