Privacy Policy

This privacy policy explains how LifeCloud handles your personal information and data. We value your trust, so we’ve strived to present this policy in clear, plain language instead of complex lawyer speak. The policy is structured so you can quickly find answers to the questions which interest you the most.

This privacy policy applies to all the products, services and websites offered by LifeCloud, Inc. and any affiliated entity or d/b/a (collectively "LifeCloud") except where otherwise noted. We refer to those products, services and websites collectively as the “services” in this policy. Some services have supplementary privacy statements that explain in more detail our specific privacy practices in relation to them. Unless otherwise noted, our services are provided by LifeCloud, Inc. inside of the United States.

Questions? For questions regarding our privacy policy or practices, contact LifeCloud via our support link.

Changes to this privacy policy. We may modify this privacy policy at any time, but if we do so, we will notify you by publishing the changes on this website. If we determine the changes are material, we will provide you with additional, prominent notice as is appropriate under the circumstances, such as via email.

Emails - No Spam Policy

Regarding any email addresses provided to LifeCloud. We will not sell, give away, or in any other way expose your email addresses with any third-party. We understand your email addresses are sacred, and LifeCloud would not violate the trust you are placing in us to manage them. We will only use your email address to keep you informed of LifeCloud products and services, billing related matters, and account related matters.

Financial Data

LifeCloud uses Plaid Inc. (“Plaid”) to gather your data from financial institutions. By using the Service, you grant LifeCloud and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid end user privacy policy. https://plaid.com/legal/#end-user-privacy-policy

Estate Details

Regarding all of your estate data provided to LifeCloud. All your estate related data (e.g. assets, documents, bank account info, etc.) is encrypted uniquely for you and only you will have access to the data. Your private passphrase is never stored or saved on our servers, and is only provided by you after logging into the system. This ensures that your private data is protected and cannot be decrypted by others (not even LifeCloud employees). 

Member Data
(not including your estate details)

What information does LifeCloud collect? When you use LifeCloud, we collect information relating to you and your use of our services from a variety of sources. These are listed below. The sections afterward describe what we do with this information.

Information we collect directly from you:

Registration information. You need a LifeCloud account before you can start saving your estate data on LifeCloud. When you register for an account, we collect and store all registration information.

Billing information. If you make a payment to LifeCloud, we require you to provide your billing details, such as a name, address, email address and financial information corresponding to your selected method of payment (e.g. a credit card number and expiration date or a bank account number). 

Account settings. You can set various preferences and personal details on our Settings page.

Other data you intentionally share. We may collect your personal information or data if you submit it to us in other contexts. For example, if you provide us with a testimonial, participate in a LifeCloud contest, or send us an email with comments or suggestions.

We safeguard your email addresses. Rest assured, LifeCloud definitely does not sell or give away those email addresses to any third parties.

How does LifeCloud use the information we collect? We may disclose aggregated, anonymous, or anonymized data to third parties for market research, academic research, benchmarking, or any other purpose. In all such instances, we will not disclose any identifiable information about you, your users, or your company. None of your estate details can or will be shared (i.e. only you have the ability to access that data). LifeCloud may also analyze your usage patterns and respondents to improve or optimize our services.

To manage our services. We internally use your information, including certain for the following limited purposes:

To monitor and improve our services and features. We internally perform statistical and other analysis on information we collect (including usage data, device data, referral data, and information from page tags) to analyze and measure user behavior and trends, to understand how people use our services, and to monitor, troubleshoot and improve our services. 

To assist the enforcement of our Terms of Service.

To prevent potentially illegal activities.

To screen for undesirable or abusive activity. For example, we have automated systems that screen content for phishing activities, spam, and fraud.

To contact you about your service or account. We occasionally send you communications of a transactional nature (e.g. service-related announcements, billing-related matters, changes to our services or policies, a welcome email when you first register). You cannot opt out of these communications since they are required to provide our services to you.

To respond to legal requests and prevent harm. If we receive a subpoena or other legal request, we may need to inspect the data we hold to determine how to respond.

With whom do we share or disclose your information?

LifeCloud does not sell or share any of your data, but we may make aggregate, anonymized, or anonymous data available to third parties for research or other purposes.

We use cookies on our websites.

Cookies are small bits of data we store on the device you use to access our services so we can recognize repeat users. Each cookie expires after a certain period of time, depending on what we use it for. We use cookies for several reasons:

To make our site easier to use. If you use the "Remember me" feature when you sign into your account, we may store your username in a cookie to make it quicker for you to sign in whenever you return to LifeCloud. For security reasons, we use cookies to authenticate your identity, such as confirming whether you are currently logged into LifeCloud.

To provide you with personalized content. We may store user preferences, such as your default language, in cookies to personalize the content you see. 

To improve our services. We use cookies to measure your usage of our websites and track referral data, as well as to occasionally display different versions of content to you. This information helps us to develop and improve our services and optimize the content we display to users.

Setting your cookie preference. You can typically adjust your browser settings to refuse cookies, and you have the option to revoke your consent anytime by altering your browser settings to block or disable cookies or by opting out of particular cookies through an email sent to optout@LifeCloud.com. However, please be aware that if you opt to decline cookies entirely, you may not be able to fully enjoy all the features of the websites you visit.

Blogs and Forums

Our website offers publicly accessible blogs and may offer community forums in the future. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. We’re not responsible for any personal information you choose to submit in these areas of our site.

Safety of Minors and COPPA

Our services are not intended for and may not be used by minors. "Minors" are individuals under the age of majority in their place of residence (or under 13 in the United States). LifeCloud does not knowingly collect personal data from minors or allow them to register. If it comes to our attention that we have collected personal data from a minor, we may delete this information without notice. If you have reason to believe that this has occurred, please contact us via our support link.

When might we disclose your data to third parties?

Only for a limited number of reasons. Most commonly, we share your member information (not your estate details) with our service providers who help us to provide our services to you. We contractually bind these service providers to keep your information confidential and to use it only for the purpose of providing their services to us. For example, we use payment processors who help us to process credit card transactions. By using our services, you authorize LifeCloud to sub-contract in this manner on your behalf. Rarer circumstances include when we need to share information if required by law, or in a corporate restructuring or acquisition context (see below for more details).

We may disclose:

Your non-estate information to our service providers. We use service providers who help us to provide you with our services. We give relevant persons working for some of these providers access to your information, but only to the extent necessary for them to perform their services for us (e.g. they have no ability to decrypt your estate data). We also implement reasonable contractual and technical protections to ensure the confidentiality of your personal information and data is maintained, used only for the provision of their services to us, and handled in accordance with this privacy policy. Examples of service providers include payment processors, email service providers, and web traffic analytics tools.

Your account details to your billing contact. If your details (as the account holder) are different to the billing contact listed for your account, we may disclose your identity and account details to the billing contact upon their request (we also will usually attempt to notify you of such requests). By using our services and agreeing to this privacy policy, you consent to this disclosure.

Aggregated information to third parties to improve or promote our services. No individuals can be identified or linked to any part of the information we share with third parties to improve or promote our services.

The presence of a cookie to advertise our services. We may ask advertisers to display ads promoting our services on other websites. We may ask them to deliver those ads based on the presence of a cookie but in doing so will not share any other information with the advertiser.

Your information if required or permitted by law. We may disclose your information as required or permitted by law, or when we believe that disclosure is necessary to protect our rights, and/or to comply with a judicial proceeding, court order, subpoena, or other legal process served on us.

Your information if there's a change in business ownership or structure. If ownership of all or substantially all of our business changes, or we undertake a corporate reorganization (including a merger or consolidation) or any other action or transfer between LifeCloud entities, you expressly consent to LifeCloud transferring your information to the new owner or successor entity so that we can continue providing our services. If required, LifeCloud will notify the applicable data protection agency in each jurisdiction of such a transfer in accordance with the notification procedures under applicable data protection laws.

Information you expressly consent to be shared. For example, we may expressly request your permission to provide your contact details to third parties for various purposes, including to allow those third parties to contact you for marketing purposes. (You may later revoke your permission, but if you wish to stop receiving communications from a third party to which we provided your information with your permission, you will need to contact that third party directly.)

What are your rights to your information? You can:

Update your account details. You can update your registration and other account information on your Settings page or via communication with LifeCloud support.

Cancel your account. Canceling your account will not immediately cause all the estate data in the account to be permanently deleted, but will disable your access to any other services that require a LifeCloud account. We will respond to any such request, and any appropriate request to access, correct, update or delete your personal information within the time period specified by law (if applicable) or without excessive delay. We will promptly fulfill requests to delete personal data unless the request is not technically feasible or such data is required to be retained by law (in which case we will block access to such data, if required by law).

For how long do we retain your data?

We will retain your data for as long as your account is active, and for at least 30 days thereafter. However, we reserve the right to delete or purge such data after you have canceled your account.

Persons with Disabilities. LifeCloud is committed to guaranteeing that all individuals can access information about our products and services, including this Policy. If you require this Policy in a different format, please reach out to us via the support link, and we will make every effort to accommodate your request.

Disclosure of Information Pursuant to Subpoena or to Protect LifeCloud or Third Parties

Notwithstanding anything to the contrary in this Privacy Policy, LifeCloud may disclose information regarding Users (including personal information) pursuant to a valid subpoena or legal process. We will undertake good faith efforts to provide you with notice of any such subpoena or process, but this is not always possible, and you acknowledge that we do not have a legal obligation to do so. Additionally, LifeCloud may disclose information regarding Users (including personal information) in order to protect the property of LifeCloud or prevent any imminent damage to third party property or where there is a threat of personal injury.