Lifeforce Financial, Inc. ("Lifeforce Financial," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard information obtained through our website at www.lifeforcefinancial.com (the "Site") and through communications with Alex Barba and Lifeforce Financial.
Please read this policy carefully. By using our Site or submitting information to us, you agree to the practices described in this Privacy Policy.
1. Information We Collect
Information You Provide to Us
We collect information that you voluntarily provide when you:
- Submit a contact or policy evaluation request form
- Send us an email or call us directly
- Engage with us to request information about life settlement services
This information may include your name, email address, phone number, information about your life insurance policy (type, face value, approximate age), and any other information you choose to provide.
Information Collected Automatically
When you visit our Site, we may automatically collect certain technical information, including:
- IP address and general geographic location
- Browser type and version
- Pages visited and time spent on the Site
- Referring website addresses
- Device type and operating system
This information is collected through standard web server logs and, if applicable, cookies or similar tracking technologies.
Cookies
Our Site may use cookies — small text files stored on your browser — to improve your experience and understand how the Site is used. You can disable cookies through your browser settings; however, some features of the Site may not function as intended if you do so.
2. How We Use Your Information
We use the information we collect to:
- Respond to your inquiries and policy evaluation requests
- Provide life settlement brokerage services you have requested
- Communicate with you about our services, process updates, and relevant information
- Comply with our legal and regulatory obligations as a licensed life settlement broker
- Improve the functionality and content of our Site
- Protect the security and integrity of our business
We will not use your information to send you unsolicited commercial communications unrelated to the services you've requested, and we will not sell your personal information to third parties for their marketing purposes.
3. How We Share Your Information
We do not sell, rent, or trade your personal information. We may share your information in the following limited circumstances:
Life Settlement Transaction Processing
If you decide to proceed with a life settlement, we will share relevant policy and personal information with institutional buyers and their representatives as part of the bidding and closing process. You will be informed of this sharing and will have the opportunity to review and consent to the process before it begins.
Service Providers
We may share information with third-party service providers who assist us in operating our website or conducting our business (such as form processing services, website hosting providers, or email services). These providers are contractually required to maintain the confidentiality of your information.
Legal Requirements
We may disclose your information if required to do so by law, regulation, court order, or in response to a lawful request from a government authority. As a licensed life settlement broker, we are subject to regulatory oversight and may be required to maintain and produce records related to transactions.
Business Transfers
In the event of a merger, acquisition, or sale of all or a portion of our business assets, your information may be transferred as part of that transaction. We will notify you via prominent notice on our Site if such a transfer occurs.
4. Data Security
We take reasonable administrative, technical, and physical measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
We encourage you to avoid sharing sensitive financial details (such as full Social Security numbers or banking information) via web forms or email. We will never request such information through unsecured channels.
5. Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this policy, or as required by law. As a regulated life settlement broker, we maintain certain transaction and client records for the period required by applicable state and federal regulations. When information is no longer necessary, we securely delete or anonymize it.
6. Your Rights
Depending on your state of residence, you may have rights with respect to your personal information, including:
- The right to know what personal information we hold about you
- The right to request correction of inaccurate information
- The right to request deletion of your information, subject to our legal retention obligations
- The right to opt out of certain uses of your information
To exercise any of these rights, please contact us using the information below. We will respond to your request within a reasonable timeframe and in accordance with applicable law.
7. Children's Privacy
Our Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a minor, we will take steps to delete that information promptly.
8. Third-Party Links
Our Site may contain links to third-party websites. This Privacy Policy does not apply to those external sites, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party sites you visit.
9. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of the Site following any changes constitutes your acceptance of the updated policy.
10. Contact Us
If you have any questions about this Privacy Policy, or wish to exercise your privacy rights, please contact us:
- Alex Barba — Lifeforce Financial, Inc.
- Email: abarba@lifeforcefinancial.com
- Phone: (305) 555-0100
- Location: Miami, FL