LifePlans privacy policy

Last modified: 3/4/2026

Introduction

LifePlans, Inc. (“Company”, “We”, or “Our”) respects your privacy and is committed to protecting it through Our compliance with this policy.

This policy describes how we may collect, use, process, disclose, and maintain information from you or that you may provide when you visit the website www.ourlifeplans.com (Our “Website”) or use Our products, services, mobile or other web-based applications, including but not limited to any email, text, and other electronic communications therein (“Services”). By using the Company’s Website or Services, you agree to the terms of this Privacy Policy and the collection, storage, use, processing, and disclosure by the Company and its service providers of the Personal Information that we collect or you provide. If you do not agree with this Privacy Policy or the Terms of Service, please do not visit the Website or use the Services. This policy may change from time to time. Your continued use of this Website or Services after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

The company’s Website and Services are intended for use only by individuals located in the United States. We do not represent or warrant that the Website or Services are appropriate for or available in jurisdictions outside the United States. If you access or use the Website or Services from outside the United States, you do so at your own risk and are responsible for compliance with applicable local laws. We do not knowingly collect or process Personal Information subject to the laws of jurisdictions outside the United States, including but not limited to the European Economic Area, the United Kingdom, or Switzerland.

Children Under the Age of 13

Our Website and Services are not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Website or via Services. We do not knowingly collect Personal Information from children under 13. If you are under 13, do not register on the Website, make any purchases or appointments through the Website or Services, use any of the interactive or public comment features of this Website or Services or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received Personal Information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from a child under 13, please contact us at support@ourlifeplans.com or write to us at the address listed under the “Contact Us” section of this policy.

To the extent that a parent provides information about a child under the age of 18 in the course of accessing, using, or interacting with Our Services, such information shall be deemed to have been provided by the parent on behalf of such child or children.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of Our Website and Services, including information:

  • By which you may be personally identified, such as name, postal address, email address, telephone number, or any other identifier by which you may be contacted online or offline (“Personal Information”), more specifically Personal Information:

    • Collected or stored by or on behalf of you or at your direction through the Company’s provision of Services,

    • In connection with the creation or administration of your Company account, and the Company’s maintenance of your account or Services (e.g., names, usernames, passwords, metadata, support communications, billing information, usage information associated with your account or services);

    • That you provide by filling in forms on Our Website or Services.

    • When you report a problem with Our Website or Services.

    • That you provide when you correspond with or contact us, including but not limited to emails, phone calls, or text messages.

  • Information that is about you but does not identify you (“De-identified Information”); and

  • Information relating to the provision, use, and performance of various aspects of the Website or Services and related systems and technologies (including information concerning use of the various features and functionality of the Services and analytics and statistical data derived therefrom) (“Usage Data”).

We collect this information:

  • Directly from you when you provide it to us.

  • Automatically as you navigate through the Website or Services.

Information We Collect Through Automatic Data Collection Technologies.

As you navigate through and interact with Our Website and use Our Services, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

  • Details of your visits to Our Website, including but not limited to traffic data, location data, logs, and other communication data, and the resources that you access and use on the Website.

  • Information about your computer and internet connection, including but not limited to your IP address, operating system, browser type, mobile network, unique device identifiers, and app version. We also collect information about your activity within Our Services, such as access times, pages viewed, links clicked, and pages you visited prior to navigating to Our Website or Services.

  • Information about any transactions, including the purchase price, date, and location of the transaction. We may use a third-party payment service to process payments made through the Service. If you choose to make a payment through the Service, your payment-related data will be collected directly by the third-party payment service rather than by the Company, and you are subject to the third party’s privacy policy, rather than this Privacy Policy.

Collecting this information helps us to improve Our Website and Services, including by enabling us to:

  • Estimate Our audience size and usage patterns.

  • Store information about your preferences, allowing us to customize Our Website and Services according to your individual interests.

  • Speed up your searches.

  • Recognize your browser’s IP address when you return to Our Website or Services.

The technologies we use for this automatic data collection may include:

  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of Our Website or Services. Unless you have adjusted your browser settings so that it will refuse cookies, Our system will issue cookies when you direct your browser to Our Website or Services. For information about managing your privacy and security settings for cookies, see Choices About How We Use and Disclose Your Information.

  • Web beacons. Also known by other names such as “pixel tags”, web beacons are electronic images that we use in Our Services and in emails to deliver cookies, count visits, and assess usage and email campaign effectiveness.

We may tie non-Personal Information collected automatically to Personal Information about you that we collect from other sources or that you provide to us.

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website or Services are served by third parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use Our website. The information they collect may be associated with your Personal Information, or they may collect information, including Personal Information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any Personal Information, whether in aggregated, de-identified, or identifiable form:

  • To present Our Website and its contents to you;

  • To provide, maintain, and improve Our Services;

  • To send technical notices, security alerts, support, and administrative messages;

  • To respond to your comments and inquiries;

  • To provide you with Services, support services, and information that you request;

  • To fulfill any other purpose for which you provide it;

  • To communicate with you about Our Website and Services and other news and information we think will interest you;

  • To monitor and analyze trends, usage, and activities in connection with Our Website and Services;

  • To personalize advertisements you see when you use Our Service based on information provided by Our advertising partners;

  • To aggregate or de-identify Personal Information so that it will no longer be considered Personal Information;

  • To detect, investigate, and prevent security incidents and other malicious, fraudulent or illegal activity and protect the rights of the Company and others;

  • To identify and repair errors;

  • To carry out Our obligations and enforce Our rights arising from any contracts entered into between you and us, including for billing and collection;

  • To notify you about changes to Our Website or any products or Services we offer or provide through it;

  • To enhance existing Services and develop new Services;

  • In any other way we may describe when you provide the information;

  • For any other purpose with your consent.

  • Disclosure of Your Information

We may disclose aggregated or de-identified information about Our users without restriction.

We may disclose Personal Information that we collect, or you provide as described in this Privacy Policy:

  • To Our subsidiaries and affiliates;

  • To contractors, service providers, vendors, and other third parties as needed to perform services and functions we use to support Our business, such as web hosting, data analysis, information technology, videoconferencing and telecommunications, fraud prevention, customer service, marketing and advertising, payment processing, calendaring, and other business operations. Those third parties are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them;

  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of LifePlans, Inc. assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by LifePlans, Inc. about Our Website and Service users is among the assets transferred;

  • To fulfill the purpose for which you provide it, whether for Services, support services, or otherwise;

  • For any other purpose disclosed by us when you provide the information;

  • With your consent.

We may also disclose your Personal Information:

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

  • For compliance with other agreements, including for billing and collection purposes.

  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of LifePlans, Inc., Our customers, or others.

You may share Personal Information with other users of Our Services when you make content or information available in publicly-accessible arenas or community forums within or outside of Our Services. If Our Service offers social sharing features and other integrated tools, your use of such features relies on the settings you establish with the entity providing the social sharing feature, and not this Privacy Policy. For more information, visit the privacy policy of the entity supporting the social sharing feature.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the Personal Information you provide to us. We have created mechanisms to provide you with the following control over your information:

  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

  • Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your Personal Information with unaffiliated or non-agent third parties for promotional purposes, you can opt out by sending us an email stating your request to support@ourlifeplans.com.

  • Promotional Offers from the Company. If you do not wish to have your contact information used by the Company to promote Our own or third parties’ products or services, you can opt out by sending us an email stating your request to support@ourlifeplans.com. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions, or you may unsubscribe or “Opt Out” of future emails.

  • Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to Our advertisers’ target-audience preferences, you can opt out by sending us an email stating your request to support@ourlifeplans.com.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.

Residents of certain states may have additional Personal Information rights and choices. Please see Your State Privacy Rights for more information.

Your State Privacy Rights

State consumer privacy laws may provide their residents with additional rights regarding Our use of their Personal Information.

California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Montana, Oregon, Tennessee, Texas, Utah, and Virginia provide (now or in the future) their state residents with rights to:

The California Consumer Privacy Act of 2018, including as amended by the California Privacy Rights Act of 2020 (“CCPA”), provides additional rights to know, delete, correct, limit, and opt out, and requires businesses collecting or disclosing Personal Information to provide notices and means to exercise rights. California residents also have the right not to receive discriminatory treatment by us for the exercise of your privacy rights under the CCPA.

For the purposes of this Section, except where a different definition is noted, “Personal Information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular resident or household. Personal Information does not include publicly available information; lawfully obtained, truthful information that is a matter of public concern; information that has been de-identified or aggregated; or other information covered by certain sector-specific privacy laws, as consistent with state law. Any capitalized term used and not otherwise defined below has the meaning assigned to it in Our Privacy Policy.

a. Personal Information We Collect

In the past 12 months, we have collected the following categories of Personal Information:

  • Identifiers, including name, email address, phone number, address, account name and password (and other information used for authentication purposes), IP address, ID or number assigned to your account or device, billing and shipping address, and credit or debit card information, to the extent collected by Our payment processors on Our behalf as necessary to process payments with us.

  • Characteristics protected under California or federal law, such as your age, gender, country of origin or residence, and other information you may provide in connection with your profile on Our Service.

  • Commercial information, including Our Services that you have purchased, obtained, or considered; and/or other purchasing or consumer histories, tendencies, and preferences.

  • Internet or other electronic network activity information, including your interactions with Our Website.

  • Geolocation data, including location-enabled services such as WiFi and GPS.

  • Audio, electronic, visual, thermal, olfactory, or similar information, which includes photographic images; and call and voicemail recordings.

  • Professional and employment-related information, such as your job title and company name, size, email address, phone number, postal address, and related information regarding employees and other representatives of Our enterprise clients.

  • Inferences, including information about your interests, preferences, and favorites.

Please note that because of the overlapping nature of certain of the categories of Personal Information identified above, which are required by state law, some of the Personal Information we collect may be reasonably classified under multiple categories.

Sensitive Personal Information. Certain of the Personal Information that we collect, as described above, may constitute “sensitive Personal Information” as defined by California law, including:

  • Account log-in number combined with required security or access codes, passwords, or other credentials allowing access to an account; and

  • Precise geolocation.

b. Sources of Collected Personal Information

For more information on the sources from which we have collected Personal Information in the past 12 months, review the “Information We Collect” section above.

c. What We Do With Your Personal Information

We collect and use these categories of Personal Information for the business purposes described in the “How We Use Your Information” section, including to operate and manage Our Website.

The types of sensitive Personal Information that we collect may be used for the following purposes:

Account log-in number combined with required security or access codes, passwords, or other credentials, allowing access to an account: To operate and manage Our Service, including your registration and accounts on Our Website; to help authenticate any account you create with us.

Precise geolocation: To operate and manage Our Website, including your registration and accounts on Our Websites; to provide the products and services you request and purchase and carry out the transactions you have requested; to enhance and personalize Our Website, services, products and Our marketing efforts; to develop and serve advertisements on Our Website or through e-mails or other communications; for Our internal purposes (such as auditing, bug detection and error reporting, data analysis, and research to improve Our products, services, content, advertising, and communications and develop new ones).

We will retain Personal Information for as long as needed or permitted in light of the purpose(s) for which it was obtained. The criteria used to determine Our retention periods include: (i) the length of time we have an ongoing relationship with you; (ii) whether you have provided, and the nature of, your directions and/or consent to us or others; (iii) whether there is a legal obligation to which we are subject; (iv) whether there is a privacy right for which the Personal Information has been exercised (such as a request to delete); and (v) whether retention is advisable in light of Our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations).

d. Who We Disclose Personal Information To

We disclose the categories of Personal Information to the categories of service providers and third parties identified in this Privacy Policy and in the ways described in this Privacy Policy.

This includes disclosure of your Personal Information to service providers for a business purpose. When we disclose Personal Information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that Personal Information confidential and not to use it for any purpose except performing the contract. In the preceding twelve (12) months, we have disclosed the categories of Personal Information listed above, including the listed sensitive Personal Information, for one or more of the business purposes detailed in this Privacy Policy.

We do not sell your information. We “share” Personal Information as defined by the CCPA to the extent we engage third parties to use tracking technologies on the Website, including for cross-context behavioral advertising and other purposes detailed in this Privacy Policy. Specifically, as with many online companies, we partner with third parties to show you personalized ads on behalf of advertisers and to manage Our marketing, where such advertising is based on your past visits to Our Website, as well as certain analytics. These third-party partners may use tracking technologies, such as cookies, to gather information about your activities on the Website, or on other platforms, to deliver such advertising to you when you visit Our Website or other third-party platforms. For instance, advertisers may provide us with certain information that enables us to show personalized advertisements to you on Our Website on behalf of those advertisers. As another example, if you visit Our Website, a cookie may be attached to your browser that allows us to deliver advertising to you on other third-party platforms.

We also “share” Personal Information with third parties to facilitate other advertising to you by us and others, such as for data enrichment, audience matching, and analytics services.

In the last twelve (12) months, we have “shared” the following categories of Personal Information to third parties, including advertising and marketing partners and data analytics providers:

  • Identifiers

  • Characteristics protected under California or federal law

  • Commercial information

  • Internet or other electronic network activity information

  • Geolocation data, including precise geolocation

  • Inferences

Please review the “Disclosure of Your Information” section of this Privacy Policy for more details about the parties with whom we have shared Personal Information in the past 12 months.

e. Your Privacy Rights

The CCPA provides California residents with specific privacy rights regarding their Personal Information. This section describes your CCPA rights and explains how to exercise those rights.

If you are a California resident, you have the right to make the following requests under applicable California law in relation to your Personal Information, subject to certain exceptions:

  • Right to Know. You have the right to, up to twice in a 12-month period, request what Personal Information we collect, use, disclose, and/or sell, and to whom, as applicable. You may request either a report disclosing the general categories of the Personal Information we collect, or a report disclosing the specific pieces of Personal Information we collect.

  • Right to Delete. You have the right to request, under certain circumstances, the deletion of your Personal Information that we collect.

  • Right to Opt-Out of Sale or Sharing. You have the right to opt out of the “sale” or “sharing” of your Personal Information, as those terms are defined under California law. As disclosed above, we “share” your Personal Information with third parties for cross-context behavioral advertising and certain analytics. Please review Our “Notice of Right to Opt-Out” below for more information about how to exercise this right.

  • Right to Limit Use and Disclosure. You have the right to limit the use or disclosure of your sensitive Personal Information to only the uses necessary for us to provide Our Website to you, or for certain other authorized purposes. We will not use or disclose your sensitive Personal Information after you have exercised your right unless you subsequently provide consent for the use of your sensitive Personal Information for additional purposes.

  • Right to Correct. You have the right to request the correction of your inaccurate Personal Information.

  • Right to Non-Discrimination. You have the right not to receive discriminatory treatment for the exercise of the privacy rights described above.

How to submit a request. To exercise any of these rights, please submit a request to us via email at support@ourlifeplans.com or write to us at the address listed under the “Contact Us” section of this policy.

We will confirm receipt of your request within 10 business days. We may require, or provide you with the opportunity to provide, additional information from you to help us verify your identity and process your request. If we are unable to verify your identity, we may deny your requests to know or delete.

Requests by authorized agents. You may designate an authorized agent, in writing or through a power of attorney, to request to exercise the above rights on your behalf. If you should use an authorized agent to exercise your various rights under the CCPA, we require that you provide your authorized agent with written permission to exercise your various rights and to verify your own identity with us. If your authorized agent does not submit proof that they have been authorized by you to submit verified requests for disclosure and deletion, we reserve the right to deny such a request that we have received and will explain to your authorized agent why we have denied such a request.

f. Notice of Right to Opt-Out

As described above, we “share” Personal Information as defined by the CCPA. You may opt out of the sharing of your Personal Information at any time by submitting a request to opt out by emailing us at support@ourlifeplans.com or writing to the address under the “Contact Us” section below.

g. Notice of Financial Incentives

We may offer incentives on products or services, such as discounts or exclusive offers, by enrolling in newsletters or other programs. If and when we offer such programs, we will ask for certain of your Personal Information in order to become eligible for the incentives. The programs that may potentially be available to you are:

  • Newsletter. If you sign up for Our Newsletter, you may receive exclusive deals and discounts on Our products and services. In order to participate, you need to visit Our “Newsletters” page on the Website and provide your email address.

h. Shine the Light

Customers who are residents of California may request (i) a list of the categories of Personal Information disclosed by us to third parties during the immediately preceding calendar year for those third parties’ own direct marketing purposes; and (ii) a list of the categories of third parties to whom we disclosed such information. To exercise a request, please write us at the email or postal address set out in “Contact Us” section below and specify that you are making a “California Shine the Light Request.” We may require additional information from you to allow us to verify your identity, and are only required to respond to requests once during any calendar year.

Nevada provides its residents with a limited right to opt out of certain Personal Information sales. Residents who wish to exercise this sale opt-out right may submit a request to this designated address: support@ourlifeplans.com. However, please know we do not currently sell data triggering that statute’s opt-out requirements.

SMS Text Messages and Electronic Messages

We may offer you the ability to receive communications from us or Our partners via text message (SMS), email, or other electronic means. By providing your mobile phone number or other contact information and opting in to receive such messages, you consent to receiving text messages and other electronic communications from us regarding your account, Our services, promotional offers, and other updates consistent with your communication preferences.

Message Frequency and Costs. Message frequency may vary based on your interactions with us. Standard message and data rates may apply from your mobile carrier. We are not responsible for any charges that may be billed to you by your carrier as a result of such messages.

Opting Out. You can opt out of receiving text messages at any time by replying “STOP” to a text you receive from us. After opting out, you may receive a confirmation message to verify your request has been processed. You may unsubscribe from marketing emails by clicking the “Unsubscribe” link included in the email. Transactional or service-related emails may still be sent as permitted by law. You may request to stop receiving non-essential calls by contacting us at support@ourlifeplans.com. Requests will be honored in accordance with applicable law. Transactional or service-related emails may still be sent as permitted by law.

Data and Privacy. We will handle all Personal Information collected in connection with electronic communications in accordance with this Privacy Policy. We do not share your phone number or contact information with unaffiliated third parties for their own marketing purposes without your explicit consent. Do not send the following via SMS text or electronic message: Individually Identifiable Health Information or Protected Health Information as such terms are defined under 45 CFR Section 160.103; confidential information; any personally identifiable information you do not want collected or stored. Company is not a HIPAA Covered Entity and does not provide healthcare services. Any health-related information provided is treated as Personal Information, not regulated Protected Health Information.

Consent and Compliance. By opting in, you acknowledge that your consent to receive text messages or other electronic communications is not a condition of purchase or employment. Our messaging practices comply with applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and other privacy and communications standards.

Data Security

We have implemented measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of Our Website or Services, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Restrictions on passwords and user credential sharing are more specifically outlined in Our Terms of Service.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do Our best to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted to Our Website or through Services. Any transmission of Personal Information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website or Services. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us support@ourlifeplans.com.

Data Retention

We retain the information we collect about you only for as long as needed to fulfill the purposes for which it was gathered, as well as for other legitimate business needs, such as complying with applicable legal, regulatory, or compliance requirements.

Third-Party Services

This Privacy Policy does not apply to, and we disclaim responsibility for, the privacy, information-handling, or other practices of any third parties, including any third party that operates a website or service linked from the Service. A link on the Service does not constitute or imply our endorsement (or that of our affiliates) of the linked website or service.

We also are not responsible for the data collection, use, disclosure, or security practices of other entities, such as Facebook, Apple, Google, Microsoft, or any other app developer, platform provider, operating system provider, wireless carrier, or device manufacturer. This includes any personal information you choose to share with such organizations through or in connection with our mobile application.

Changes to Our Privacy Policy

It is Our policy to post any changes we make to Our privacy policy on this page with a notice that the privacy policy has been updated on the Website home page. If we make material changes to how we treat Our users’ Personal Information, we will notify you through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting Our Website and this privacy policy to check for any changes.

Contact Us

To ask questions or comment about this privacy policy and Our privacy practices, contact us at support@ourlifeplans.com or write to us at LifePlans, Inc., PO Box 12536, Pittsburgh, PA 15241.