Privacy Policy

Questions

If you have questions about this Privacy Policy, contact us at (insert our email here)

California residents

If you are a California resident, please review Section 8, Notice to California Residents.

This Privacy Policy includes the following sections

• 2. Information we collect
• 3. How we use information
• 4. How we share information
• 5. Analytics and advertising
• 6. Children's privacy
• 7. Your rights and choices
• 8. Notice to California Residents
• 9. International transfers
• 10. Security and storage
• 11. Retention
• 12. Employee and applicant information
• 13. Changes to this Privacy Policy
• 14. How to contact us

A. Information you provide to us

You may provide information when you create an estate plan, complete questionnaires, upload documents, create an account, purchase Services, respond to surveys or promotions, or communicate with support by phone, chat, email, or other channels.

Categories of information you may provide include:

• Contact and account information: Name, mailing address, phone number, email address, username, password, and other account credentials.
• Government issued identifiers: For example, driver's license information, passport number, or other government identification that you submit for verification, fraud prevention, or compliance purposes, where offered.
• Financial and transaction information: Purchase history, payment method details, billing address, and other transaction data. Payment card information is generally processed by our payment processors. We do not store full payment card numbers unless we clearly disclose that we do so.
• Customer support interaction information: Messages submitted through online forms, email, chat, and records of support interactions. Calls or video sessions may be recorded or summarized for quality, training, and compliance purposes where permitted by law and where disclosed.
• Surveys and promotions: If you participate, you may provide basic contact information and responses relevant to the survey or promotion.
• Content you upload or submit: Information entered into forms and questionnaires, files and documents uploaded, reviews, and any other content you submit. Depending on what you provide, this may include sensitive personal information as defined by certain laws.
• Information about other individuals: Information you enter about beneficiaries, fiduciaries, agents, guardians, executors, trustees, and family members, such as name, contact details, date of birth, relationship, and similar details. You are responsible for ensuring you have authority and permission to provide information about other people.

B. Information collected automatically

When you use the Services, we and our service providers may collect information automatically through cookies and similar technologies.

This information may include:

• Device and network information: IP address, device identifiers, browser type, operating system, language settings, internet service provider, and related technical data.
• Usage information: Pages viewed, features used, clicks, mouse movements, searches, timestamps, referral pages, and other interaction data. Certain sessions may be recorded to help diagnose issues, improve usability, and protect against fraud where permitted and disclosed.
• Approximate location information: General location derived from IP address, typically at the city and state level.
• Cookie controls: Most browsers let you control cookies through settings. If you block cookies, some features may not work properly.

C. Information received from other sources

We may receive information about you from other sources, such as:

• Other users: For example, if another user shares your contact information through a shared access feature or includes your information in their estate plan, they represent they have permission to share that information.
• Partners and data sources: Business partners, marketing partners, researchers, analysts, social media services, government databases, public record aggregators, and other sources that help us maintain accurate records and improve Services.
• Social login providers: If you sign in through a third party platform, that platform may provide us certain data such as name, email address, or profile information based on your settings with that platform.

D. Information provided by professional partners

If a professional partner uses the Services in connection with supporting you, we may receive personal information from that partner, including documents they upload for your benefit. Professional partners are responsible for obtaining appropriate permission before providing your information to us.

A. Provide and operate the Services

We use information to:

• Create and deliver the estate planning outputs you request
• Create, administer, and maintain your account
• Process payments and transactions
• Verify identity where needed
• Provide member support and respond to requests
• Enable features you choose, including sharing features where you direct us to share your plan
• Concierge style support: If offered, and at your direction, authorized support personnel may access your account to view or update information to help you. Support interactions may be recorded or stored for quality and compliance where permitted.

B. Communicate with you

We use information to communicate with you by email, phone, or text, such as:

• Account and transactional messages
• Product and feature updates
• Service announcements
• Changes to terms, policies, and notices

C. Marketing, advertising, and analytics

We may use information to:

• Send newsletters and promotional communications where permitted
• Measure campaign performance
• Understand user engagement
• Personalize marketing on and off the Services as allowed by law

D. Personalization

We may use information to remember preferences and tailor your experience, including recommending features based on your activity.

E. Improve and develop the Services

We use information to:

• Detect bugs and errors
• Monitor performance
• Conduct research and analytics
• Test and develop new features, tools, and Services

F. Security, fraud prevention, and legal compliance

We use information to:

• Detect and prevent fraud
• Secure accounts and systems
• Investigate suspicious activity
• Comply with legal obligations and enforce our Terms of Service

G. With your consent

Where required, we will request consent for specific uses.

Combination, aggregation, and de-identification: We may combine information collected from different sources for the purposes described above. We may also create aggregated or de-identified information that cannot reasonably identify you. We may use and share such information for lawful business purposes.

Artificial intelligence and automated tools: We may use automated tools, including AI, to support customer service, document intake, workflow efficiency, analytics, and quality review. We apply privacy and security controls consistent with this Privacy Policy. Unless we clearly disclose otherwise and obtain required permissions, we do not use your personal information to train external AI models.

A. Service providers and vendors

We work with third parties that help us run the Services, such as providers for:

• Payment processing
• Data hosting and storage
• Customer support platforms
• Communications tools
• Product analytics
• Error monitoring
• Identity verification
• Security and fraud prevention
• Printing, mailing, and filing support where offered and requested
• AI enabled communications and call support systems where offered

B. Affiliates

We may share information with our subsidiaries and affiliates for business operations consistent with this Privacy Policy.

C. Business transactions

If we are involved in a merger, acquisition, financing, reorganization, or sale of assets, information may be transferred as part of that transaction subject to applicable law.

D. Legal requirements and protection

We may disclose information when we believe it is necessary to:

• Comply with law or respond to lawful requests
• Enforce our terms and policies
• Protect our rights, users, and the public
• Prevent fraud and address security incidents

E. Third party services you choose to use

If you choose to use third party services through the Services, your information may be shared with those third parties at your direction. Their practices are governed by their own policies, not ours. Examples can include financial account linking providers if offered.

F. Business partners and targeted offers

We may share limited information with business partners so they can provide offers that may be relevant to you. Depending on where you live, this may be considered a sale or sharing of personal information under certain privacy laws. You can opt out where required as described in Section 7.

G. Aggregated or de-identified information

We may share aggregated or de-identified information that cannot reasonably be used to identify you.

A. Analytics

We may use third party analytics services, including tools such as Google Analytics, to understand how users interact with the Services. These providers may collect information such as device data, usage data, and approximate location. You can often limit analytics through browser settings, device settings, and available opt out mechanisms provided by analytics vendors.

B. Advertising

We aim to promote Estate Vault in a relevant way. We may work with advertising partners to measure the effectiveness of ads and to show Estate Vault ads on other websites, platforms, and applications. These partners may use cookies, pixels, or similar technologies to recognize your device and infer interests based on activity.

We do not control third party tracking on third party properties. Opt out choices are described in Section 7.

Opt out scope: Many opt outs apply per browser and per device. If you use multiple browsers or devices, you may need to set preferences on each.

Rights

• Access to certain personal information we hold about you
• A copy of certain personal information
• Correction of inaccurate information
• Deletion of certain information
• Information about categories of personal information collected, disclosed, or shared
• Opt out of certain processing, including targeted advertising or certain sales or sharing of data
• Information about financial incentives where offered
• Non-discrimination for exercising privacy rights

Identity verification

To protect your information, we may need to verify your identity before responding to requests. The steps depend on the sensitivity of the request.

Authorized agents

In certain jurisdictions, you may designate an authorized agent to submit requests on your behalf. We may require proof of authorization and may verify directly with you.

Marketing choices

• Email: You can unsubscribe using the link in marketing emails or by contacting us. You may still receive transactional and administrative messages.
• Text messages: If you receive marketing texts, you can reply STOP to opt out. Administrative messages may still be sent where permitted.

Targeted advertising and sales or sharing opt out

Where required by law, you may opt out of certain disclosures considered sales or sharing for targeted advertising by using our cookie and privacy settings tools where available, and by adjusting device and browser settings.

Appeals

Where required by law, you may have the right to appeal a denied request. We will provide appeal instructions when applicable.

A. Key definitions

"Personal information" and "sensitive personal information" have the meanings set by the CCPA.

"Selling" generally means disclosing personal information for monetary or other valuable consideration.

"Sharing" generally means disclosing personal information for cross context behavioral advertising.

B. Categories of personal information collected and disclosed

In the last 12 months, we may have collected the categories listed below and disclosed them for business purposes to service providers and vendors. We may also share certain categories with advertising and analytics partners for cross context behavioral advertising.

• Identifiers: Examples — name, email, phone number, address, account identifiers. Business purposes — account setup, service delivery, communications, security, analytics.
• Government identifiers: Examples — driver's license or similar identifiers you provide. Business purposes — identity verification, fraud prevention, compliance. We generally do not sell or share government identifiers for advertising.
• Commercial information: Examples — purchases, plan selections, transaction history. Business purposes — service delivery, support, analytics, marketing.
• Internet or network activity: Examples — browsing and usage data, device identifiers, cookie IDs. Business purposes — analytics, security, personalization, advertising measurement.
• Approximate geolocation: Examples — city and state derived from IP address. Business purposes — security, analytics, advertising measurement.
• Audio and visual information: Examples — call recordings or chat records where permitted. Business purposes — support, quality assurance, compliance. We generally do not sell audio and visual information.
• Information about others included in your plan: Examples — beneficiary or agent details you enter. Business purposes — generating your plan and related features. We generally do not sell or share this category for advertising.
• Inferences: Examples — inferred preferences based on interactions. Business purposes — personalization, product improvement, marketing.

C. Categories of recipients

We disclose personal information to:

• Service providers and vendors that help operate the Services
• Analytics and advertising partners for measurement and marketing
• Affiliates
• Entities involved in business transactions
• Law enforcement or regulators where required by law

D. Sales and sharing opt out

California residents have the right to opt out of selling and sharing of personal information. Where applicable, you may exercise this right through our cookie and privacy settings tools. We also honor legally recognized opt out preference signals where required.

E. Right to limit use of sensitive personal information

Where applicable, California residents may have the right to limit certain uses of sensitive personal information. We do not use sensitive personal information for purposes that require a right to limit beyond what is permitted under the CCPA, except as disclosed in this policy.

F. Shine the Light

California residents may request information about certain disclosures of personal information to third parties for their direct marketing purposes. Contact us using the information in Section 14.

Account security

You are responsible for maintaining the confidentiality of your password. Log out and close your browser when finished using shared devices.

Infrastructure

We may use reputable cloud service providers and security tools to host and protect the Services. No system can be guaranteed perfectly secure, and we cannot guarantee absolute security.

Retention purposes

• Provide the Services
• Maintain your account
• Comply with legal obligations
• Resolve disputes
• Enforce our agreements
• Support legitimate business needs such as audits and security

Retention periods

Retention periods vary depending on the type of information and why we collected it. When information is no longer needed, we take steps to delete, de-identify, or securely dispose of it, unless we must retain it longer for legal or operational reasons.