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MyLifeSettlements

Privacy Policy

Effective Date: February 28, 2026 · Last Updated: February 28, 2026

1. Introduction

MyLifeSettlements LLC (“MyLifeSettlements,” “we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at www.mylifesettlements.com and use our services.

By accessing or using our website, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with these practices, please do not use our website.

2. Information We Collect

2.1 Information You Provide Directly

  • Contact information — name, email address, phone number, and mailing address submitted through our contact or intake forms.
  • Financial suitability information — investment experience, goals, budget ranges, and related details collected during our intake and assessment process.
  • Account credentials — email address and password used to create and access your account (passwords are securely managed by AWS Cognito and are never stored in plain text).
  • Communications — any messages, questions, or feedback you send to us.

2.2 Information Collected Automatically

  • Device and browser information — IP address, browser type, operating system, and device identifiers.
  • Usage data — pages visited, time spent on pages, referral source, and navigation patterns.
  • Cookies and local storage — essential authentication cookies and local storage entries for user preferences (see Section 9 below).

3. How We Use Your Information

We use the information we collect for the following purposes:

  • Providing, operating, and improving our services and platform.
  • Processing investment inquiries and intake submissions.
  • Communicating with you about your account, inquiries, and our services, including transactional emails such as account activation and password resets.
  • Ensuring platform security, preventing fraud, and detecting unauthorized activity.
  • Analyzing site usage to improve the user experience.
  • Complying with legal and regulatory obligations applicable to financial services.

4. Legal Basis for Processing (GDPR)

If you are located in the European Economic Area (EEA), we process your personal data under the following legal bases:

  • Consent — where you have given clear consent for us to process your data for a specific purpose (e.g., cookie preferences, marketing communications).
  • Contractual necessity — where processing is necessary to perform a contract with you (e.g., account creation, providing investment services).
  • Legitimate interests — where processing is necessary for our legitimate business interests, such as platform security, fraud prevention, and analytics, provided those interests are not overridden by your rights.
  • Legal obligation — where processing is necessary to comply with applicable laws, including financial regulatory requirements and tax reporting.

5. 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:

  • Service providers — trusted third-party services that support our operations, including Amazon Web Services (hosting, authentication, email delivery, data storage) and mapping services. These providers are contractually obligated to protect your data.
  • Legal and regulatory disclosures — when required by law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of MyLifeSettlements, our users, or others.
  • Business transfers — in connection with a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this policy, or as required by law. Specifically:

  • Account data is retained for the duration of your account and for a reasonable period afterward to comply with legal obligations.
  • Financial and investment-related records are retained as required by applicable financial regulations.
  • Contact form submissions and lead data are retained until the inquiry is resolved, or longer if you become a client.

When data is no longer needed, we securely delete or anonymize it in accordance with industry best practices.

7. Your Rights Under GDPR

If you are a resident of the European Economic Area, you have the following rights regarding your personal data:

  • Right to access — request a copy of the personal data we hold about you.
  • Right to rectification — request correction of inaccurate or incomplete data.
  • Right to erasure — request deletion of your personal data (“right to be forgotten”), subject to certain legal exceptions.
  • Right to restrict processing — request that we limit how we use your data.
  • Right to data portability — receive your data in a structured, commonly used, and machine-readable format.
  • Right to object — object to processing based on legitimate interests or for direct marketing purposes.
  • Right to withdraw consent — withdraw your consent at any time where processing is based on consent.

To exercise any of these rights, please contact us at info@mylifesettlements.com. We will respond to your request within 30 days. You also have the right to lodge a complaint with a data protection supervisory authority.

8. Your Rights Under CCPA

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights:

  • Right to know — request disclosure of the categories and specific pieces of personal information we have collected about you.
  • Right to delete — request deletion of your personal information, subject to certain exceptions.
  • Right to opt-out of sale — we do not sell your personal information, so no opt-out mechanism is necessary.
  • Right to non-discrimination — we will not discriminate against you for exercising any of your CCPA rights.

To submit a verifiable consumer request, please contact us at info@mylifesettlements.com. We will verify your identity before processing your request and respond within 45 days.

9. Cookies and Tracking Technologies

Our website uses a limited set of cookies and browser storage technologies:

  • Essential authentication cookies — httpOnly, secure cookies that maintain your signed-in session. These are strictly necessary for the website to function and cannot be disabled.
  • Local storage — used to store your cookie consent preference and other non-sensitive user interface settings.

We do not use third-party advertising cookies, social media tracking pixels, or cross-site tracking technologies. You can manage cookies through your browser settings or through the cookie consent banner displayed on your first visit.

10. Data Security

We implement industry-standard security measures to protect your personal information, including:

  • Encryption in transit using HTTPS/TLS for all data transmitted between your browser and our servers.
  • Encryption at rest for data stored in our cloud infrastructure.
  • Secure authentication and access controls powered by AWS Cognito.
  • Regular security assessments and monitoring of our systems.

While we strive to protect your personal information, no method of transmission over the Internet or method of electronic storage is completely secure. We cannot guarantee absolute security.

11. International Data Transfers

Our services are hosted and operated in the United States. If you access our website from outside the United States, including from the European Economic Area, your personal data will be transferred to and processed in the United States. We take appropriate safeguards to ensure your data is protected in accordance with this Privacy Policy and applicable data protection laws.

12. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected personal data from a child under 18, we will take steps to delete that information promptly. If you believe a minor has provided us with personal information, please contact us at info@mylifesettlements.com.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the “Last Updated” date at the top of this page. We encourage you to review this policy periodically. Your continued use of the website after any changes constitutes acceptance of the updated policy.

14. Contact Information

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

MyLifeSettlements LLC
28 NE 11th Street
Miami, FL 33132
Email: info@mylifesettlements.com
Phone: (847) 902-5202