Privacy Policy

Privacy Policy

Last updated: [current date]

1. Introduction

The Life Transition Load Inventory (LTLI), operated by Jen Landis-Santos ("we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at https://lifetransitionsload.com, use our financial planning services, or otherwise interact with us.

This policy applies to all personal information we collect through our website, email communications, SMS messages, customer support interactions, and any other related services. By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

We collect several types of information from and about users of our services:

Identity and Contact Data: When you fill out forms on our website, sign up for our services, request information, or communicate with us, we collect your name, email address, phone number, and any other information you choose to provide. This may include information submitted through contact forms, service intake questionnaires, consultation requests, or account registration.

Data Collected Automatically: When you visit our website, we automatically collect certain information about your device and usage, including your IP address, device type, operating system, browser type and version, time zone setting, browser plug-in types and versions, pages you view, time spent on pages, links you click, referring website, and approximate geographic location derived from your IP address.

Cookies and Analytics Data: We use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. This includes session data, preferences, and analytics information that helps us understand how visitors use our website. For detailed information about our use of cookies, please see our Cookie Policy.

Payment Information: When you purchase our services, our third-party payment processor collects and processes your payment card information, billing address, and transaction details. We do not store complete payment card numbers on our servers; this information is handled directly by our payment processor in compliance with PCI-DSS standards.

Content and Messages: We collect any content, communications, or other information you submit to us, including messages sent through contact forms, emails, SMS replies, feedback, testimonials, questions, or materials you provide during the course of using our financial planning services.

3. How We Use Your Information

We use the information we collect for the following purposes:

Service Delivery: To provide, maintain, and improve our financial planning services; to process your requests and transactions; to create and manage your account; to deliver the specific services you have purchased or requested; and to communicate with you about your use of our services.

Payment Processing: To process payments and transactions through our third-party payment processor, to send you receipts and transaction confirmations, and to manage billing and collections.

Communications: To send you transactional emails and SMS messages related to your account, purchases, or service delivery; to send you marketing communications about our services, content, events, and offers (with your consent where required); to respond to your inquiries and provide customer support; and to send administrative information such as updates to our terms or policies.

Analytics and Improvement: To understand how users interact with our website and services; to analyze trends and user behavior; to improve our website functionality, content, and user experience; to develop new services and features; and to conduct research and testing.

Security and Fraud Prevention: To protect our services, users, and business from fraud, abuse, security risks, and illegal activity; to verify identity and prevent unauthorized access; and to investigate and respond to security incidents.

Legal Compliance: To comply with applicable laws, regulations, legal processes, and governmental requests; to enforce our agreements and policies; and to protect our rights, property, safety, and the rights of our users and others.

4. Legal Bases for Processing

For visitors and users in the European Union, United Kingdom, and other jurisdictions with similar data protection laws, we process your personal information based on the following legal grounds:

Consent: Where you have given us specific, informed, and unambiguous consent to process your personal information for a particular purpose, such as sending you marketing communications or using certain cookies. You have the right to withdraw your consent at any time.

Performance of a Contract: Where processing is necessary to fulfill our contractual obligations to you, such as delivering the financial planning services you have purchased, processing your payments, or providing customer support related to your account.

Legitimate Interests: Where processing is necessary for our legitimate business interests or those of a third party, provided those interests are not overridden by your rights and freedoms. Our legitimate interests include operating and improving our business, marketing our services, preventing fraud and security threats, and analyzing how our services are used.

Legal Obligation: Where we must process your information to comply with a legal obligation, such as tax reporting, responding to lawful requests from authorities, or maintaining records required by law.

5. How We Share Your Information

We share your personal information only in the limited circumstances described below:

Service Providers and Processors: We share information with third-party vendors, consultants, and service providers who perform services on our behalf and need access to your information to do that work. These include payment processors (to handle transactions), email service providers (to send communications), SMS providers (to deliver text messages), website hosting providers (to maintain our website), analytics providers (to analyze usage), and customer relationship management platforms (to manage client relationships). These service providers are contractually obligated to use your information only as necessary to provide services to us and to protect the information appropriately.

Legal and Safety Disclosures: We may disclose your information if required to do so by law or in response to valid requests by public authorities, such as to comply with a subpoena, court order, or legal process; to enforce our agreements and policies; to protect our rights, property, or safety or that of our users or the public; to detect, prevent, or address fraud, security, or technical issues; or in connection with an investigation of suspected or actual illegal activity.

Business Transfers: If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our website of any change in ownership or use of your personal information, as well as any choices you may have regarding your information.

With Your Consent: We may share your information for any other purpose with your consent or at your direction.

We Do Not Sell Personal Information: We do not sell your personal information to third parties for monetary or other valuable consideration. California residents have the right to opt out of the sale or sharing of personal information; however, because we do not engage in these practices, there is no need to opt out. If our practices change, we will update this policy and provide appropriate notice and choice mechanisms.

6. Marketing Communications and Your Choices

Email Marketing: We may send you marketing emails about our services, content, resources, and offers. Every marketing email includes an unsubscribe link that allows you to opt out of future marketing messages. You may also unsubscribe by contacting us directly at jenlansan@gmail.com. Even if you opt out of marketing emails, we will still send you transactional and service-related messages necessary to administer your account and fulfill our contractual obligations.

Our email marketing practices comply with the CAN-SPAM Act. We will clearly identify ourselves as the sender, provide accurate subject lines, include our physical mailing address, and honor opt-out requests promptly (within 10 business days).

SMS Marketing: If you provide your phone number and consent to receive text messages, we may send you SMS communications about our services, updates, and offers. By opting in, you provide your prior express written consent to receive marketing text messages using an automatic telephone dialing system or prerecorded or artificial voice, as required by the Telephone Consumer Protection Act (TCPA). Message and data rates may apply. Message frequency varies.

You can opt out of SMS messages at any time by replying STOP to any message. You can also reply HELP for assistance or contact us at jenlansan@gmail.com or 7032836540. We will honor your opt-out request promptly. Opting out of marketing SMS will not affect transactional messages necessary to provide services you have requested.

7. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to collect information about your browsing activities and to provide, secure, and improve our services. Cookies are small data files stored on your device that help us recognize you, remember your preferences, understand how you use our website, and deliver relevant content.

For detailed information about the specific cookies we use, the purposes for which we use them, how long they remain on your device, and how to manage your cookie preferences, please refer to our Cookie Policy, which is incorporated into this Privacy Policy by reference.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The specific retention period depends on the nature of the information and the purposes for which it is processed.

Generally, we retain account and contact information for as long as you maintain an active relationship with us and for a reasonable period thereafter to maintain records, respond to inquiries, resolve disputes, and comply with legal obligations. We retain transaction records and financial information as required by tax and accounting regulations, typically for at least seven years. We retain marketing consent records to demonstrate compliance with applicable laws. We retain analytics and usage data in aggregated or anonymized form for longer periods for research and business improvement purposes.

When we no longer need your personal information, we will securely delete or anonymize it in accordance with our data retention and deletion policies.

9. Data Security

We implement appropriate technical and organizational security measures designed to protect your personal information from unauthorized access, use, disclosure, alteration, and destruction. These measures include encryption of data in transit using SSL/TLS protocols, secure storage systems, access controls and authentication, regular security assessments, and employee training on data protection practices.

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account. Please notify us immediately if you suspect any unauthorized access or use of your account.

10. Your Privacy Rights

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

Rights for EU/UK Residents (GDPR/UK GDPR): If you are located in the European Union or United Kingdom, you have the following rights:

• Right of Access: You can request confirmation of whether we process your personal information and obtain a copy of that information.
• Right to Rectification: You can request that we correct inaccurate or incomplete personal information.
• Right to Erasure: You can request that we delete your personal information in certain circumstances, such as when it is no longer necessary for the purposes for which it was collected or if you withdraw consent.
• Right to Restriction of Processing: You can request that we limit how we use your information in certain circumstances, such as while we verify its accuracy or assess your objection to processing.
• Right to Data Portability: You can request to receive your personal information in a structured, commonly used, machine-readable format and to transmit it to another controller.
• Right to Object: You can object to our processing of your personal information based on legitimate interests or for direct marketing purposes.
• Right to Withdraw Consent: Where we rely on consent as the legal basis for processing, you can withdraw your consent at any time, though this will not affect the lawfulness of processing before withdrawal.

Rights for California Residents (CCPA/CPRA): If you are a California resident, you have the following rights:

• Right to Know: You can request disclosure of the categories and specific pieces of personal information we have collected about you, the categories of sources, the business or commercial purposes for collection, and the categories of third parties with whom we share personal information.
• Right to Delete: You can request that we delete your personal information, subject to certain exceptions.
• Right to Correct: You can request that we correct inaccurate personal information we maintain about you.
• Right to Opt Out of Sale or Sharing: You have the right to opt out of the sale of your personal information or sharing for cross-context behavioral advertising. As stated above, we do not sell or share personal information for these purposes.
• Right to Limit Use of Sensitive Personal Information: You can request that we limit our use of sensitive personal information to purposes necessary to provide services you requested. We do not use or disclose sensitive personal information for purposes that would trigger this right.
• Right to Non-Discrimination: You have the right not to receive discriminatory treatment for exercising your privacy rights.

How to Submit a Request: To exercise any of these rights, please contact us at jenlansan@gmail.com or 7032836540. Please provide sufficient information to allow us to verify your identity and locate your information in our systems. We may request additional information to verify your identity before fulfilling your request. For California requests, you may designate an authorized agent to make a request on your behalf by providing written authorization.

We will respond to verified requests within the timeframes required by applicable law (generally 30 days for GDPR requests and 45 days for CCPA requests, with possible extensions). We do not charge a fee to process or respond to your request unless it is excessive, repetitive, or manifestly unfounded.

11. International Data Transfers

Our business is based in the United States. If you are accessing our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States and other countries where our service providers operate. These countries may have data protection laws that differ from those of your country.

When we transfer personal information from the European Union, United Kingdom, or other regions with data transfer restrictions to countries that have not been deemed to provide an adequate level of protection, we implement appropriate safeguards such as standard contractual clauses approved by the European Commission or other legally recognized transfer mechanisms.

By using our services and providing your information, you consent to the transfer of your information to the United States and other countries as described in this policy.

12. Children's Privacy

Our services are not directed to, and we do not knowingly collect personal information from, children under the age of 13 (or under 16 for residents of the European Union or United Kingdom). If we learn that we have collected personal information from a child under these ages without verification of parental consent, we will delete that information as quickly as possible. If you believe we might have information from or about a child under the applicable age, please contact us at jenlansan@gmail.com.

13. Third-Party Links and Services

Our website may contain links to third-party websites, services, or resources that are not owned or controlled by us. This Privacy Policy applies only to information collected by us through our services. We are not responsible for the privacy practices or content of third-party sites or services.

When you click on a third-party link or use a third-party service, you are subject to that party's privacy policy and terms. We encourage you to read the privacy policies of any third-party sites or services you visit or use. We do not endorse and are not responsible for the practices of these third parties.

Some third-party services we use, such as payment processors and analytics providers, may collect information directly from you or your device. Their collection and use of information is subject to their own privacy policies.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, legal requirements, or for other operational, legal, or regulatory reasons. When we make changes, we will update the "Last updated" date at the top of this policy.

If we make material changes that significantly affect your rights or how we use your personal information, we will notify you by email (sent to the email address associated with your account) or by posting a prominent notice on our website prior to the changes taking effect. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of the revised policy. If you do not agree to the updated policy, please discontinue use of our services.

15. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

The Life Transition Load Inventory (LTLI) Jen Landis-Santos Email: jenlansan@gmail.com Phone: 7032836540

For privacy-related inquiries, compliance questions, or to exercise your privacy rights, please use the contact information above. We will respond to your inquiry as promptly as possible and within the timeframes required by applicable law.