You have to authenticate (login with a username and password) and a two-factor authentication which requires a time-based code in addition to your username and password. This authentication process happens over HTTPS - a secure, encrypted Web channel. All of this is standard industry authentication.

In addition, you need a LifeCloud Secret to unlock your LifeCloud data. The secret is a passphrase that you can remember and long enough that it can’t be guessed. A simple example might be, “my favorite movie of all-time is top gun.” Case and spaces do not have to be remembered - we strip it down to help remember the secret a little easier. This extra level of security makes LifeCloud completely secure since we don’t save your secret anywhere on the system.

Yes, LifeCloud is subject to frequent security evaluations by an independent CPA firm accredited by the AICPA. These evaluations encompass annual SOC 2 and HIPAA audits. Furthermore, a SOC 3 report, summarizing the findings of the SOC 2 audit, is made available. These rigorous audits confirm that LifeCloud meets and surpasses industry benchmarks for safeguarding data. Moreover, LifeCloud employs a better-than-bank encryption architecture, enhancing the security of your data beyond these established standards.

You must specify a hint to help you remember your secret. Sometimes all you need is a little reminder word or two to jog your memory. But if you absolutely forget your secret then all you need to do is pick a new secret and then have someone in your LifeCloud circle re-invite you back into your own LifeCloud.

If you cancel your subscription to LifeCloud, your account will be deactivated, which disables your access to services that require a LifeCloud account. Your personal and estate data stored with LifeCloud will not be immediately deleted but will remain in a deactivated state for at least 30 days. This period allows for data retrieval or account reactivation if you change your decision. After this time, LifeCloud reserves the right to delete or purge your data permanently unless required by law to retain it longer, in which case access to such data will be blocked. If you need to access, correct, update, or delete your personal information during this period, you can contact LifeCloud support, who will respond within the legally specified timeframe or without unnecessary delay.

If your LifeCloud account lapses, the data associated with it will initially be retained and not immediately deleted. This retention allows for a period during which you could potentially reactivate your account. The data remains in a deactivated state for at least 30 days, during which you can access, correct, update, or request the deletion of your personal information. After this period, LifeCloud reserves the right to delete or purge the data unless retention is required by law. In such cases where law requires data to be retained, access to this data will be blocked.

If you decide to cancel or do not reactivate your lapsed account within the stipulated time, and there are no legal impediments, your data will be permanently removed from LifeCloud's servers, following the completion of the retention period. This process ensures your personal information is handled respectfully and in line with privacy commitments, even if you choose to discontinue using LifeCloud's services.

No, LifeCloud is designed to ensure that only the owner of the LifeCloud account and those whom the owner chooses to share their LifeCloud with can access their data.