Privacy Policy

Modern Life Planning ("Modern Life Planning," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit ModernLifePlanning.com, submit an inquiry, schedule a conversation, communicate with us, receive educational content, or otherwise interact with us.

This Privacy Policy applies to ModernLifePlanning.com and other online services that link to it, collectively referred to as the "Site."

By using the Site, you acknowledge that you have read this Privacy Policy. Your use of the Site is also governed by our Terms of Use.

1. Scope of This Policy

This Privacy Policy covers personal information collected through:

• The Site;
• Contact, scheduling, and inquiry forms;
• Email, telephone, and text communications;
• Newsletters and educational communications;
• Social media interactions;
• Website analytics and similar technologies;
• Referrals and introductions;
• Conversations concerning insurance, retirement, investments, family protection, business planning, or related services.

This general website Privacy Policy may not be the only privacy notice applicable to a particular relationship.

If you apply for an insurance product, engage a registered investment adviser, work with an insurance carrier, or establish another regulated professional relationship, you may receive a separate privacy notice, disclosure, agreement, Form ADV, Form CRS, carrier authorization, or other governing document. Those documents will control the regulated service to the extent they conflict with this website Privacy Policy.

2. Personal Information We Collect

"Personal information" means information that identifies, relates to, describes, can reasonably be associated with, or could reasonably be linked to an individual or household. It does not include lawfully available public information or information that has been aggregated or deidentified so that it cannot reasonably identify an individual.

Information you provide directly

Depending on how you interact with us, we may collect:

• Your name;
• Email address;
• Telephone number;
• Mailing address;
• Preferred method of contact;
• Information included in messages or inquiries;
• Appointment and scheduling information;
• Family, household, employment, or business information;
• General financial goals and planning interests;
• Insurance needs, existing coverage, and policy-related information;
• Retirement and investment-planning interests;
• Business ownership, continuity, succession, and benefit-planning interests;
• Information you provide when subscribing to educational communications;
• Records of your communications with us;
• Any other information you voluntarily provide.

Financial, health, and insurance-related information

If you request a regulated service, we or the appropriately licensed or registered professional assisting you may need additional information. This may include financial circumstances, income, assets, liabilities, beneficiaries, insurance history, health-related underwriting information, tax status, employment, business interests, or other information needed to evaluate a planning need or submit an application.

Do not submit Social Security numbers, financial-account passwords, full account numbers, medical records, government identification documents, or payment-card information through a general website contact form or ordinary email.

If sensitive information is required, use only the secure process provided by the licensed professional, registered investment adviser, insurance carrier, custodian, or other authorized party handling the transaction.

Modern Life Planning is not a healthcare provider or health plan, and information submitted through the general Site is not necessarily protected health information under the Health Insurance Portability and Accountability Act (HIPAA).

Information collected automatically

When you use the Site, we and our service providers may automatically collect:

• Internet Protocol address;
• Browser, device, and operating-system information;
• Approximate location derived from an Internet Protocol address;
• Pages viewed and links selected;
• Referring and exit pages;
• Date, time, and duration of visits;
• Website performance and diagnostic information;
• Cookie, pixel, or similar technology identifiers;
• Interactions with forms, emails, and Site features;
• Security and fraud-prevention information.

Information from other sources

We may receive information from:

• Service providers supporting the Site;
• Scheduling, customer relationship management, communications, or analytics platforms;
• Insurance carriers and licensed insurance professionals;
• Registered investment advisers and other regulated professionals;
• Referral partners when you request or authorize an introduction;
• Publicly available sources;
• Social media platforms when you interact with our pages;
• Business contacts and professional networks;
• Other parties at your direction or with your authorization.

3. How We Use Personal Information

We may use personal information to:

• Operate, maintain, secure, and improve the Site;
• Respond to questions and requests;
• Schedule and conduct conversations;
• Understand the planning area in which you have expressed interest;
• Provide educational information and resources;
• Connect you with an appropriately licensed or registered professional when requested or necessary;
• Support insurance, retirement, investment, or business-planning services you request;
• Communicate about an inquiry, appointment, application, or professional relationship;
• Administer newsletters and other communications;
• Personalize Site content and measure its effectiveness;
• Conduct analytics and improve user experience;
• Detect, investigate, and prevent fraud, misuse, security incidents, and illegal activity;
• Maintain business, compliance, and communication records;
• Exercise and defend legal rights;
• Comply with licensing, regulatory, legal, tax, recordkeeping, and reporting obligations;
• Complete a merger, acquisition, financing, restructuring, or other business transaction;
• Carry out another purpose disclosed when information is collected or authorized by you.

We may create aggregated or deidentified information and use it for lawful business, research, analytics, and operational purposes. We will not attempt to reidentify information that applicable law requires us to maintain in deidentified form.

4. How We Disclose Personal Information

We may disclose personal information to the following categories of recipients:

Service providers

We may use service providers for website hosting, cybersecurity, form processing, scheduling, email delivery, communications, customer relationship management, document management, analytics, advertising, professional services, and other operational functions.

Service providers may access personal information only as reasonably necessary to perform services for us, subject to contractual and legal restrictions where required.

Licensed and registered professionals

When you request a service or introduction, we may disclose relevant information to licensed insurance professionals, insurance carriers, registered investment advisers, broker-dealers, custodians, benefits professionals, attorneys, accountants, or other qualified professionals.

These parties may operate as independent businesses and may provide their own privacy notices, disclosures, agreements, and regulatory documents. Their handling of information is governed by their own obligations and applicable law.

We will not submit an insurance application, open an investment account, initiate a transaction, or establish a regulated professional relationship solely because you submitted a general Site inquiry.

Legal, regulatory, and safety disclosures

We may disclose information when we reasonably believe disclosure is necessary to:

• Comply with law, regulation, subpoena, court order, or legal process;
• Respond to a government, regulatory, licensing, or law-enforcement request;
• Detect or prevent fraud, financial crime, security threats, or illegal activity;
• Protect the rights, property, safety, or security of Modern Life Planning, Site users, consumers, or others;
• Investigate violations of our Terms of Use;
• Establish, exercise, or defend legal claims.

Business transactions

Information may be disclosed in connection with an actual or proposed merger, financing, acquisition, reorganization, sale of assets, transfer of business operations, bankruptcy, or similar transaction. A receiving party will be required to handle personal information consistently with applicable law.

At your direction

We may disclose information to another person or organization when you request, direct, authorize, or consent to the disclosure.

5. Sale, Sharing, and Targeted Advertising

Modern Life Planning does not sell personal information in exchange for money.

Some privacy laws define "sale," "sharing," or "targeted advertising" broadly enough to include certain uses of analytics, advertising pixels, social media integrations, or cross-context behavioral advertising, even when no money changes hands.

If Modern Life Planning uses technology that constitutes selling, sharing, or targeted advertising under applicable law, eligible users will be provided with an appropriate method to opt out. We will also honor legally recognized opt-out preference signals, including Global Privacy Control, where required.

We do not knowingly sell or share the personal information of individuals under 16 years of age.

6. Cookies and Similar Technologies

The Site may use cookies, pixels, tags, local storage, and similar technologies for:

• Essential Site operation;
• Security and fraud prevention;
• Remembering preferences;
• Measuring Site traffic and performance;
• Understanding how visitors use the Site;
• Evaluating marketing and communications;
• Supporting embedded or third-party features.

You may be able to control cookies through the Site's cookie-preference tool or through your browser settings. Blocking certain cookies may affect Site functionality.

Do Not Track and Global Privacy Control

Some browsers offer a "Do Not Track" setting. Because there is no single industry standard governing all Do Not Track signals, the Site may not respond to those signals.

Where required by applicable law, we recognize and process Global Privacy Control or another legally valid opt-out preference signal as a request to opt out of the sale or sharing of personal information associated with the browser or device sending the signal.

7. Email, Telephone, and Text Communications

If you provide contact information, we may use it to respond to your inquiry, confirm an appointment, provide requested information, or communicate about a service you requested.

Providing a telephone number through a general contact form does not, by itself, constitute consent to receive automated marketing calls, prerecorded calls, or marketing text messages.

Where legally required, we will obtain separate consent before sending automated or prerecorded marketing communications. Consent to marketing communications is not a condition of purchasing a product or receiving a service.

You may:

• Unsubscribe from marketing emails through the unsubscribe link;
• Reply "STOP" to an eligible marketing text;
• Ask us directly to stop marketing calls, texts, or emails.

We may continue sending non-marketing communications relating to an active request, appointment, application, transaction, legal notice, security matter, or professional relationship.

8. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including:

• Responding to inquiries;
• Providing requested services;
• Maintaining business and compliance records;
• Meeting insurance, investment, licensing, tax, legal, and regulatory requirements;
• Resolving disputes;
• Enforcing agreements;
• Preventing fraud and security incidents.

Retention periods vary based on the type of information, the nature of the relationship, applicable regulatory requirements, and legal obligations.

When information is no longer reasonably needed, we may delete, destroy, aggregate, or deidentify it. Backup copies may remain for a limited period until they are overwritten through ordinary backup processes.

9. Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

No website, email system, data transmission, or storage system can be guaranteed to be completely secure. You provide information through the Internet at your own risk.

If you believe information submitted to Modern Life Planning has been compromised, contact us promptly at [email protected].

10. Third-Party Websites and Services

The Site may link to third-party websites, social media platforms, scheduling services, insurance carriers, registered investment advisers, or other external services.

Modern Life Planning does not control and is not responsible for the content, privacy, security, availability, or practices of third-party services. A link does not necessarily mean that Modern Life Planning endorses the third party or its products.

Review the privacy policy and terms of each third-party service before providing information.

11. Children's Privacy

The Site is intended for adults and is not directed to children under 13 years of age. We do not knowingly collect personal information directly from children under 13 through the Site.

If you believe a child has provided personal information without appropriate authorization, contact us at [email protected]. We will review the request and delete the information where required.

12. Privacy Rights

Depending on where you live and subject to applicable law, you may have the right to:

• Confirm whether we process your personal information;
• Request access to personal information;
• Request correction of inaccurate personal information;
• Request deletion of personal information;
• Obtain a portable copy of certain information;
• Opt out of sale, sharing, targeted advertising, or certain profiling;
• Limit certain uses or disclosures of sensitive personal information;
• Withdraw consent where processing depends on consent;
• Appeal a decision concerning a privacy request;
• Receive equal service and pricing without unlawful discrimination for exercising privacy rights.

These rights are subject to legal exceptions. For example, we may retain information needed to comply with law, detect fraud, complete a requested transaction, maintain required regulatory records, or establish and defend legal claims.

Submitting a request

To submit a privacy request, email:

[email protected]
Subject: Privacy Request

Describe the request and identify the email address or other information associated with your interaction with us.

We may need to verify your identity before completing a request. Information collected for verification will be used only for verification, security, fraud prevention, and legal compliance.

An authorized agent may submit a request where permitted by law. We may require evidence of the agent's authority and may need to verify the consumer's identity directly.

We will respond within the period required by applicable law. If we deny a request in whole or in part, we will provide an explanation and any appeal instructions required by law.

13. California Privacy Notice

This section supplements the rest of this Privacy Policy for California residents.

Depending on your interaction with Modern Life Planning, the categories of personal information collected during the preceding 12 months may include:

• Identifiers, such as name, email address, telephone number, Internet Protocol address, and mailing address;
• Personal information described in California Civil Code section 1798.80, such as financial, insurance, employment, and family information;
• Commercial information, such as services requested and insurance or planning interests;
• Internet or electronic-network activity;
• Approximate geolocation;
• Professional or employment-related information;
• Inferences concerning interests, needs, or preferences;
• Sensitive personal information, but only when voluntarily provided or required for a specifically requested regulated service.

We collect these categories from the sources and use them for the purposes described in Sections 2 and 3. We may disclose them for business purposes to the recipients described in Section 4.

We do not use or disclose sensitive personal information for the purpose of inferring characteristics about a person except as permitted by law.

California residents may have the rights to know, access, correct, delete, and obtain information about our disclosures, as well as the right to opt out of sale or sharing and limit certain uses of sensitive personal information. We will not unlawfully discriminate against a person for exercising a privacy right.

California's "Shine the Light" law may allow residents to request information regarding disclosures of certain personal information to third parties for their own direct-marketing purposes. Modern Life Planning does not disclose personal information to unrelated third parties for their own direct marketing without authorization.

Not every provision of the California Consumer Privacy Act applies to every business or every category of financial information. Certain information governed by federal or state financial privacy laws may be exempt from some requirements. We will apply the rights and exceptions required for the particular information and relationship.

14. Financial Privacy Notices

If Modern Life Planning or a professional involved in your request is subject to the Gramm-Leach-Bliley Act, state insurance privacy laws, investment-adviser requirements, or similar financial privacy rules, you may receive a separate financial privacy notice.

That notice may explain:

• The nonpublic personal information collected;
• How that information is used and disclosed;
• How the information is safeguarded;
• Whether any disclosure choices apply;
• How to contact the regulated firm.

This website Privacy Policy is not intended to replace a legally required financial privacy notice.

15. Visitors Outside the United States

Modern Life Planning is based in California, United States. The Site is directed primarily to people located in the United States.

If you access the Site from another country, your information may be processed in the United States, where privacy laws may differ from those in your location. The availability of services and privacy rights depends on applicable law.

Nothing on the Site represents that services are available or legally permitted in every jurisdiction.

16. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our services, technology, legal obligations, or information practices.

The revised policy will be posted on this page with a new "Last Updated" date. If a change materially affects how we use previously collected personal information, we will provide additional notice or obtain consent where required by law.

17. Contact Us

For questions, privacy requests, or concerns about this Privacy Policy, contact:

Modern Life Planning
Mission Viejo, California
Email: [email protected]
Website: https://modernlifeplanning.com

Please do not send Social Security numbers, financial-account credentials, full policy numbers, medical records, or other highly sensitive information through ordinary email.