LifeLens Financial, LLC dba as LifeLight Financial (“LifeLight Financial,” "we", or "us") respects our customers and understands that you are concerned about privacy. We are committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. By using the LifeLight Financial website or contacting us through phone, email, mail, events or other means, you consent to the data practices described in this policy. We care and highly respect your privacy. LifeLight Financial Policy is to provide you with transparency in our privacy practices and give you our principles so that you may know how the information will be used. We will continue to treat your information with care and respect.
YOUR REGISTRATION INFORMATION
An email address is required to provision a new account. Without this, we are unable to create your account. If you purchase a paid subscription, you will need to provide billing and payment information, including full name, billing address and credit card number. If you do not provide us this information, you may be unable to subscribe and access to our Services may be limited.
What Information LifeLight Financial Collects
LifeLight Financial collects personally identifiable information that you provide through purchases of our products. We collect this information because you voluntarily provide it. In some cases (for instance the purchase of a product or service or a request for a free resource), LifeLight Financial will require certain information in order to complete the transaction.
This information includes, but is not limited to, your email address, name, home or work address or telephone numbers. When you purchase an item, we will have transaction information that you provide. This information might include your method of payment, credit card information, billing address, or other payment information.
Our web server collects non-personally identifiable information from you during the course of your visit to the Site and as you complete your personal planner. This information may include general information regarding your Internet Service Provider and host, your IP address, the content on the Site you access, the platform operating system and web browser you use, and the date, time, and duration of your visit to the Site.
This information may be collected through the use of a “cookie.” Cookies are small text files that are stored on your hard drive to store your preferences. Cookies themselves do not contain any personally identifiable information. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can choose to refuse any cookie by following the procedure suggested by your particular web browser. You may delete LifeLight Financial cookies from your computer, but doing so may impair your use of the Site.
We may also use "web beacons" on the Site from time to time. Web beacons are small pieces of code placed on a web page to track or monitor the behavior and collect data about the visitors viewing a web page. For example, web beacons can be used to count the users who visit a web page or to deliver a cookie to the browser of a visitor viewing that page.
We may also collect information from you through your voluntary submission. For instance, such information may be submitted through your use of an online form to register with us to access and use certain portions of the Site, or by sending us an email to request certain services from LifeLight Financial. You may also give us personal information when completing your personal planner. In other cases, such information may be the content or information you post in a web-forum, in a chat room, or through other interactive or "social networking" portions of the Site (collectively referred to herein as the "Interactive Portions" of the Site). The information you voluntarily submit may include information which may be used to personally identify you, such as your name, physical address, telephone number, email address, credit card number, and/or tax identification number.
Confidentiality and Anonymity: Your personal information is protected on our site. However, if you desire to achieve total anonymity use a name that will only make sense to you. If you prefer that your LifeLight Financial model is anonymous, we suggest the following:
- Use made-up names for yourself and family members.
- Put in a made-up addresses for your primary residence and all real estate. Note our Zillow Valuation Analysis for your primary residence will not be applicable if you do not use your actual residence. You will need to indicate your own value assumption if you do not use your correct address.
How LifeLight Financial Uses the Information It Collects
LifeLight Financial uses information it collects to, among other things, process your requests and transactions, offer or furnish additional services, personalize the types of information you receive from us, assess trends in the use of the Site, develop content and functionality that helps serve our users’ needs, and improve the services we provide. Any information you submit using the Interactive Portions of the Site, even personally-identifiable information, may be automatically publicly displayed on the Site. You therefore should be very careful about providing any personally identifying information using the Interactive Portions of the Site.
Our use of the non-personally-identifiable information we collect through the Site is unrestricted. We may sell or license non-personally-identifiable information or aggregated information (information derived from personally-identifiable information, but not containing any personally identifying details) to Third Parties.
In the event we use Google Analytics, the information generated by the cookie about your use of the Site (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the Site, compiling reports on website activity for LifeLight Financial and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google.
We will not use your personally-identifiable information in a manner different from that stated at the time of collection (the "Purpose") without first attempting to notify you via the last email address we have in our records. We will only share your personally-identifiable information with Third Parties that assist us in carrying out the Purpose. Such Third Parties shall be required to use your personally-identifiable information only to assist in the Purpose and to maintain the confidentiality of your personally identifiable information.
We reserve the right at all times to: (a) use and disclose any information it reasonably believes necessary to satisfy any law, regulation, government request, court order, subpoena or other legal process; (b) edit or remove any information, in whole or in part, that in our sole discretion is objectionable, disruptive to the Site or in violation of the Terms of Service; (c) use and disclose any information when we believe it is necessary to prevent harm or injury, to prevent fraud, or to protect our legal interests; and (d) use and disclose any information in connection with an investigation of suspected or actual illegal activity.
Retention and Integrity of Information
You can request access, modifications to, or removal of the personal information collected by us through your use of the Site by contacting us. To honor your request, we will need the exact information you want to access, modify, or remove. We will use reasonable efforts to provide you with access to and to modify or remove such information if requested, provided, however, we will not be liable to you should it be unable, after such efforts, to identify, modify, or remove such information. We may also decline requests that are unreasonable, require disproportionate technical effort, or that jeopardize the privacy of others.
Due to the dynamic and ever-changing nature of the interactive portions of the Site, you acknowledge and agree it may be impossible for us to access, modify or remove your personal information from these portions of the Site.
Data and Data Integrity
The overall integrity and quality of the data presented by LifeLight Financial to you is an important element in providing you with a high quality and accurate picture of your personal finances. LifeLight Financial, however, is not responsible for and cannot guarantee the accuracy or timeliness of Account information we retrieve on your behalf directly, from third-party technology providers, from third-party financial institutions where your accounts are held, or from third-party research/market data providers used to provide Services.
LifeLight Financial may not be able to foresee or anticipate technical or other difficulties which may result in failure to obtain data, personalization settings or other service interruptions. LifeLight Financial assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications or personalization settings. LifeLight Financial encourages you to periodically confirm the valuation or execution price of particular investments through independent sources, such as an investment advisor, broker-dealer or other financial institution.
We are committed to protecting the privacy of children. Neither LifeLight Financial nor any of its services are designed or intended to attract children under the age of 13. We do not collect personally-identifiable information from any person that we know to be under the age of 13.
We have put in place reasonably appropriate physical, electronic, and/or procedural safeguards to protect your personally-identifiable information. However, even with such measures, no one is able to guarantee that unauthorized Third Parties will not be able to bypass these measures or otherwise capture such information. LifeLight Financial shall not be liable to you for any Third-Party's unauthorized access to or use of your personally- identifiable information.
All LifeLight Financial servers are up-to-date with the latest operating systems to prevent security breaches due to bugs in software. All LifeLight Financial servers are segregated from the internet with only bare minimum access for web applications. All data is stored in the Google Cloud storage infrastructure and is encrypted. At no time is credit card related data stored or handled directly by LifeLight Financial.
Other Obligations While You Use the Services
Confidentiality: You agree and understand that you are responsible for maintaining the confidentiality of your account’s login information and password. You should also maintain appropriate anti-virus and anti-malware software on your computer, so that your account login information is not compromised through your own negligence. If you receive evidence that someone has committed fraud by accessing your account you must contact us immediately.