PRIVACY POLICY – LIFECARE FINANCIAL SERVICES, LLC
(Website: https://lifecarefinancialservices.com/)
1. Who We Are
1.1 This Website is operated by Lifecare Financial Services, LLC, an insurance and financial-education firm.
1.2 Our Website address is https://lifecarefinancialservices.com/.
1.3 Contact information for privacy-related inquiries is provided on the Website’s Contact page.
2. What Personal Data We Collect and Why We Collect It
2.1 We collect only the personal data needed to operate the Website, provide insurance-related services, or facilitate communications with users.
2.2 Data we collect may include:
• Name, email address, and contact information submitted through registration forms or intake forms.
• Information voluntarily entered into your user profile or intake form.
• Technical data, such as IP address, browser type, device information, and cookies.
• Any information you choose to provide when communicating with us.
2.3 We do not collect individualized financial or investment details unless voluntarily supplied by the user during an inquiry.
2.4 We do not provide individualized investment advice through the Website. Any investment-related contact occurs only between the user and a third-party Registered Investment Adviser (RIA).
3. Registration and Intake Forms
3.1 Users who create an account (via WP-Members) must provide an email address and password.
3.2 Any additional information submitted in intake forms is stored in usermeta, accessible only to administrators, and used solely to support communication and service inquiries.
3.3 We retain user-submitted intake information until the user deletes their account or requests deletion.
4. Comments
4.1 If comments are enabled, WordPress will collect the data shown in the comment form, the commenter’s IP address, and browser user-agent string for spam detection.
4.2 If comments are disabled on this Website, this section does not apply.
5. Media Uploads
5.1 If users upload images, they should avoid uploading images containing embedded location data (EXIF GPS).
5.2 Uploaded files may be publicly accessible.
6. Contact Forms
6.1 If you submit information through a contact form, we collect the data submitted in the form.
6.2 We retain contact-form submissions only as long as necessary to respond to your inquiry.
6.3 We do not use form submissions for marketing unless you expressly opt in.
7. Cookies
7.1 The Website uses cookies to support login functionality, user preferences, and security features.
7.2 Examples include:
• Temporary cookies to test whether your browser accepts cookies.
• Login cookies that persist for up to two weeks when “Remember Me” is selected.
• Screen-option cookies lasting up to one year.
7.3 If you edit or publish content (administrator accounts only), an additional cookie stores the post ID of the edited article.
7.4 Third-party services (such as embedded videos or analytics) may also set cookies.
8. Embedded Content From Other Websites
8.1 Pages or articles may include embedded content such as videos, images, or articles from external websites.
8.2 Embedded content behaves as though you visited the external site directly and may collect data according to that site’s privacy policy.
9. Analytics
9.1 We may use standard analytics tools (such as Google Analytics or hosting-provider analytics) to understand Website performance and visitor behavior.
9.2 Analytics data may include anonymized IP addresses, device details, pages visited, and session duration.
9.3 Users may opt out of Google Analytics tracking through their browser settings or Google’s opt-out tools.
10. Who We Share Your Data With
10.1 We do not sell or rent personal data.
10.2 We may share limited data with:
• Website hosting providers
• Security and spam-filtering services
• Email service providers (for account verification or password resets)
• Third-party Registered Investment Advisers, only if you knowingly request contact, and only with your permission
10.3 If you request a password reset, your IP address may appear in the reset email.
11. How Long We Retain Your Data
11.1 For registered users, we retain profile data and intake-form data until the user deletes the account or requests deletion.
11.2 If comments are enabled, comment data is retained indefinitely to recognize follow-up comments.
11.3 Analytics data may be retained for up to one year.
11.4 Administrative, legal, or security-related data may be retained longer if required by law.
12. Your Rights Over Your Data
12.1 You may request an exported file of the personal data we store about you.
12.2 You may request that we delete any personal data we hold, excluding data we must retain for administrative, legal, or security purposes.
12.3 Account holders may edit or update their profile information at any time, except for their username.
13. Where Your Data Is Sent
13.1 Visitor activity may be checked through automated spam-detection services.
13.2 Hosting, analytics, or email communication may involve data processing by U.S.-based third parties.
14. How We Protect Your Data
14.1 We implement technical and administrative measures such as encryption, secure hosting, password hashing, and restricted administrative access.
14.2 We do not store payment information and do not process financial transactions on this Website.
15. Data Breach Procedures
15.1 If a data breach is suspected or detected, we take steps including:
• Internal investigation
• Restricting access to affected systems
• Notifying affected users when legally required
16. Third-Party Data Sources
16.1 We generally do not receive additional user data from third parties unless you request an introduction to an RIA or insurance provider.
17. Automated Decision-Making and Profiling
17.1 We do not conduct automated decision-making or profiling on this Website.
18. Industry Regulatory Disclosure Requirements
18.1 Lifecare Financial Services, LLC operates within U.S. insurance and financial-education industries.
18.2 We do not provide individualized investment advice.
18.3 Any investment-related activities occur only through third-party Registered Investment Advisers, subject to their own compliance requirements.