Privacy Policy

Overview

This Privacy Policy describes how Financial Planner AI, LLC ("FPAI," "we," "us," or "our") collects and uses information through the Insurance Planner AI Professional™ website, including demo requests, contact forms, scheduling tools, and related enterprise marketing activities.

Important Clarification: This Privacy Policy does not govern customer data processed within the Insurance Planner AI Professional platform under an executed enterprise agreement. Platform data processing is addressed separately through contractual terms, data processing addenda, and security documentation.

1. Information We Collect

1.1 Information You Provide

We may collect information you voluntarily provide, including:

• Name, business email address, and company affiliation
• Job title and professional role
• Phone number (if provided)
• Information submitted through demo requests, contact forms, or scheduling tools
• Communications sent to us by email or other channels
• Preferences regarding product features or evaluation scope

1.2 Automatically Collected Information

When you visit the site, we may collect limited technical information such as:

• IP address (used for general geographic location only; not stored with personal identifiers)
• Browser type, version, and device information
• Operating system
• Pages visited, time spent, and interaction patterns
• Referring website or source

This data is used for security, performance monitoring, and site optimization purposes only.

2. How We Use Information

We use collected information to:

• Respond to inquiries and demo requests
• Schedule and conduct enterprise demonstrations
• Communicate about platform capabilities, evaluations, and updates
• Provide requested information about products and services
• Improve website performance, reliability, and user experience
• Detect and prevent security incidents or fraudulent activity
• Comply with legal and regulatory obligations

We do not:

• Sell personal information to third parties
• Use website data for targeted advertising
• Share data with data brokers or marketing aggregators

3. Third-Party Services

We use trusted third-party service providers to support website operations, including:

• Website hosting and content delivery
• Demo scheduling and calendar integration
• Site analytics and performance monitoring (if enabled)

These providers are contractually restricted to using data solely to support FPAI services and are prohibited from using your information for their own purposes. A list of current sub-processors is available upon request for enterprise customers under executed agreements.

4. Cookies and Tracking Technologies

The site uses limited cookies and similar technologies to:

• Understand site usage patterns
• Improve performance and reliability
• Remember user preferences
• Support security functions

We do not deploy:

• Advertising or retargeting cookies
• Cross-site behavioral tracking
• Third-party marketing pixels

You may adjust your browser settings to limit or block cookies. Note that disabling cookies may affect site functionality.

5. Platform Data Processing — Important Distinction

This website does not collect or process life insurance policy illustrations, client documents, or policy analysis data.

Such data is processed only within the Insurance Planner AI Professional platform and is subject to:

• Executed enterprise agreements (MSA, SOW, or evaluation agreements)
• Applicable data processing addenda
• Security and compliance documentation
• Zero-Knowledge architecture controls (PII designed to be removed client-side before transmission)

For information about platform data processing, contact us or request the Security & Compliance Overview.

6. Data Sharing

We may share website data in the following limited circumstances:

• Service Providers: Trusted vendors who assist with website hosting, scheduling, communications, analytics, and security — subject to contractual restrictions.
• Legal Requirements: When required by law, subpoena, court order, or governmental request.
• Business Protection: To protect the rights, property, or safety of FPAI, our users, or others; to enforce our terms; or to investigate potential violations.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, where personal information may be transferred to the successor entity.

We do not sell, rent, or trade personal information to third parties for their marketing purposes.

7. Data Retention

Data may be retained longer if required by law, necessary to resolve disputes, or needed to enforce agreements.

8. Data Security

We implement commercially reasonable administrative, technical, and organizational safeguards appropriate to the nature of website data collected, including:

• HTTPS/TLS encryption for all data transmission
• Access controls limiting personnel access to personal information
• Secure hosting infrastructure (SOC 2 Type 2 certified providers)
• Regular security reviews and monitoring

No website system is intended to store or process sensitive client policy information, personal health information, or Social Security numbers. Such data is processed only within the Platform under separate security controls.

9. Your Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal retention requirements.
• Opt-Out: Unsubscribe from marketing communications at any time using the link provided in emails or by contacting us.
• Data Portability: Request your data in a structured, commonly used format (where technically feasible).

To exercise any of these rights, contact us at rpc@financialplanner-ai.com. We will respond within 30 days (or sooner if required by applicable law).

10. California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect, use, and disclose
• The right to request deletion of your personal information
• The right to opt-out of the "sale" of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

To exercise these rights, contact us at rpc@financialplanner-ai.com or submit a request through our website.

11. European Economic Area, United Kingdom, and Switzerland

If you are located in the European Economic Area ("EEA"), United Kingdom ("UK"), or Switzerland, you may have additional rights under the General Data Protection Regulation ("GDPR") or equivalent laws, including:

• Right of access
• Right to rectification
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Rights related to automated decision-making

Legal Basis for Processing: We process personal information based on: (a) your consent; (b) performance of a contract or pre-contractual steps; (c) compliance with legal obligations; or (d) our legitimate interests in operating our business, provided such interests are not overridden by your rights.

International Transfers: If we transfer personal information outside the EEA, UK, or Switzerland, we implement appropriate safeguards, such as Standard Contractual Clauses approved by the European Commission.

To exercise your rights or raise concerns, contact us at rpc@financialplanner-ai.com. You also have the right to lodge a complaint with your local data protection authority.

12. Children's Privacy

The website and Platform are intended for business professionals and are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

13. Third-Party Links

The website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any third-party sites you visit.

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. Material changes will be reflected by updating the effective date above. We encourage you to review this Privacy Policy periodically.

15. Contact

For questions, concerns, or requests regarding this Privacy Policy:

Financial Planner AI, LLC
Robert Chwalk, CFP®, CLU®, ChFC® — Founder & CEO
Email: rpc@financialplanner-ai.com