Privacy Policy

Overview

This Privacy Policy describes how Financial Planner AI, LLC ("FPAI," "we," "us," or "our") collects and uses information through the Estate Align™ website and platform, including account registration, platform use, demo requests, contact forms, scheduling tools, and enterprise evaluation activities.

Important Clarification: This Privacy Policy does not replace or modify any executed enterprise agreement governing platform access. Platform data processing, if applicable under an executed agreement, may be addressed 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:

• Email address and account credentials provided during registration
• 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 Platform Data

If you use the Estate Align™ platform, we may collect and process:

• Documents you upload for analysis (including estate planning documents such as wills, trusts, and related materials)
• Account information and authentication data
• Platform usage data and interaction logs
• Outputs and reports generated through the Platform

1.3 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 demonstrations or evaluations
• Communicate about platform capabilities, enterprise evaluations, and updates
• Provide requested information about products and services
• Provide, maintain, and improve Platform functionality
• Process and analyze uploaded documents to generate Platform outputs
• 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
• Use uploaded documents to train AI models without explicit consent

3. Third-Party Services and AI Processing

3.1 Service Providers

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

• Website hosting and content delivery
• Cloud infrastructure and database services
• Scheduling, communications, and customer support tools
• Site analytics and performance monitoring (if enabled)
• Security monitoring and logging

3.2 Artificial Intelligence Services

The Platform uses third-party artificial intelligence and machine learning services to analyze uploaded documents and generate Platform outputs. Document content (or portions thereof) may be transmitted to these AI service providers to enable Platform functionality. These providers are contractually bound to:

• Process data solely to provide services to FPAI
• Maintain appropriate security measures
• Not use your data to train their models (where such options are available and elected by FPAI)
• Delete data in accordance with our data retention requirements

3.3 Subprocessor List

A current list of material subprocessors is available upon request by contacting rpc@financialplanner-ai.com.

4. Cookies and Tracking Technologies

4.1 Cookies We Use

The site uses the following categories of cookies:

• Essential Cookies: Required for basic site functionality, authentication, and security. These cannot be disabled.
• Functional Cookies: Remember your preferences and settings to improve your experience.
• Analytics Cookies: Help us understand how visitors interact with the site to improve performance and content. These are anonymized where possible.

4.2 Cookies We Do Not Use

We do not deploy:

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

4.3 Do Not Track Signals

Some browsers offer a "Do Not Track" ("DNT") setting. Because there is no industry-standard interpretation of DNT signals, we do not currently respond to DNT browser signals. However, as described above, we do not engage in cross-site tracking or targeted advertising.

4.4 Managing Cookies

You may adjust your browser settings to limit or block cookies. Note that disabling cookies may affect site functionality, including authentication and preference retention.

5. Platform Data Processing — Important Distinction

The Estate Align™ website serves as both the public-facing site and the platform access point for registered users. Platform use includes account creation, document upload and analysis, and interaction with Platform outputs and features. Estate Align platform use may include the processing of user-uploaded estate planning documents.

5.1 No Automatic Redaction Notice

At this time, the Platform does not perform automatic redaction, anonymization, or removal of personally identifiable information ("PII") from uploaded documents. Documents are processed as submitted by the user.

Estate planning documents (including wills, trusts, and related materials) may contain sensitive personal, financial, or family information. Users are responsible for deciding what to upload and whether to redact information prior to upload. If you have concerns about uploading sensitive information, you should redact such information before using the Platform or refrain from using the Platform.

Pre-loaded sample documents are available within the Platform for users who wish to evaluate Platform functionality without uploading their own documents. These sample documents are derived from publicly available estate records and do not contain private personal information.

5.2 Automated Analysis

The Platform uses automated systems, including artificial intelligence, to analyze uploaded documents and generate outputs such as summaries, visualizations, and meeting preparation materials. These automated analyses are designed to support professional judgment and client conversations — they do not constitute legal, tax, or financial advice and do not result in legally binding decisions about you.

Platform access and data processing obligations, if any, may be addressed through executed enterprise agreements and related documentation. For additional information, contact us or request the Security & Compliance Overview.

6. Data Location

FPAI is based in the United States. Personal information and platform data are primarily stored and processed in the United States using cloud infrastructure providers with data centers in the US.

If you access the Platform from outside the United States, you understand and consent to the transfer of your information to the United States, where data protection laws may differ from those in your jurisdiction.

For users in the European Economic Area, United Kingdom, or Switzerland, please see Section 12 regarding international transfer safeguards.

7. Data Sharing

We may share website and service data in the following limited circumstances:

• Service Providers: Trusted vendors who assist with hosting, scheduling, communications, analytics, AI processing, 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.

8. Data Retention

Data may be retained longer if required by law, necessary to resolve disputes, or needed to enforce agreements. Users may request earlier deletion of their data by contacting us (see Section 16).

9. Data Security

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

• HTTPS/TLS encryption for data transmission
• Encryption at rest for stored data
• Access controls limiting personnel access to personal information
• Secure hosting infrastructure (SOC 2 Type 2 certified providers)
• Security monitoring and logging
• Regular security assessments and updates

No system can be guaranteed to be 100% secure. Users should avoid uploading information they are not authorized to share and should redact sensitive information if appropriate.

10. Data Breach Notification

In the event of a security incident that results in unauthorized access to, or disclosure of, personal information that poses a risk of harm, we will:

• Investigate and take steps to contain and remediate the incident
• Notify affected users without unreasonable delay and in accordance with applicable law
• Notify relevant regulatory authorities as required by applicable data protection laws
• Provide information about the nature of the incident and steps users can take to protect themselves

Enterprise customers under executed agreements may have additional notification requirements specified in their contracts.

11. 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).
• Restriction: Request that we limit processing of your personal information in certain circumstances.

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). We may request verification of your identity before processing certain requests.

12. United States State Privacy Laws

If you are a resident of California, Virginia, Colorado, Connecticut, Utah, or another US state with comprehensive privacy legislation, you may have additional rights, 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 correct inaccurate personal information
• The right to opt-out of the "sale" or "sharing" of personal information (we do not sell or share personal information for cross-context behavioral advertising)
• The right to opt-out of targeted advertising (we do not engage in targeted advertising)
• The right to opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects (the Platform does not make such decisions)
• The right to non-discrimination for exercising your privacy rights

California-Specific Disclosures

Under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Categories of personal information collected: Identifiers, professional information, internet activity, and inferences drawn from the above.
• Business purpose for collection: Providing services, communications, security, and improvement of our Platform.
• Sale of personal information: We do not sell personal information.
• Sensitive personal information: We do not use or disclose sensitive personal information for purposes other than those permitted under the CCPA.

To exercise your rights, contact us at rpc@financialplanner-ai.com or submit a request through our website. You may designate an authorized agent to make a request on your behalf, subject to verification.

13. 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.

Automated Decision-Making

The Platform uses automated analysis, including artificial intelligence, to process uploaded documents and generate outputs. These automated processes are designed to support professional users in their work — they do not make decisions that produce legal effects or similarly significant effects concerning you. Human professionals remain responsible for all client-facing decisions and recommendations.

International Transfers

If we transfer personal information outside the EEA, UK, or Switzerland to countries not recognized as providing adequate data protection, we implement appropriate safeguards, such as Standard Contractual Clauses approved by the European Commission or UK Information Commissioner's Office.

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.

14. 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 and we will promptly delete it.

15. 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.

16. 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. FPAI will notify registered users of material changes via email at least fourteen (14) days before such changes take effect. Material changes will also be reflected by updating the effective date above. We encourage you to review this Privacy Policy periodically.

17. Contact

If you have questions or concerns about this Privacy Policy, please contact us:

For formal legal correspondence, you may also write to us at our registered business address (available upon request).