1. Introduction
Welcome to Tax Free Wealth Plan. This Privacy Policy covers our website at TaxFreeWealthPlan.com (the "Site") and our client apps: the Tax Free Wealth Plan iPhone app and the web client app at my.taxfreewealthplan.com (the "Apps"). Both are operated by Tax Free Wealth Plan LLC. We are committed to protecting the privacy and security of your information. This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website, use our Apps or services, or interact with us.
By using our Site, Apps and services, you agree to the collection and use of information in accordance with this policy.
2. Information We Collect
We collect various types of information to provide and improve our services to you. This may include:
Personal Identification Information: Data you voluntarily provide to us, such as your full name, email address, phone number, mailing address, and state of residence.
Sensitive Financial Information: To provide you with a financial analysis or connect you with a licensed insurance or financial professional, we may ask you to provide detailed and sensitive financial data, including but not limited to: your income, net worth, assets, investment objectives, risk tolerance, existing insurance or annuity details, and other related financial information.
Client App Information: If you have a client account, the information described in Section 5, such as your Social Security number, ID details, beneficiary details and the documents in your account.
Technical & Usage Information: Information that is automatically collected when you visit our Site. This includes your IP address, browser type, device type, operating system, pages you viewed, and the dates/times of your visits.
Tracking Information: Information collected through cookies and tracking pixels from services such as Google and Meta (Facebook) to measure advertising effectiveness and for retargeting purposes.
3. How We Collect Your Information
Directly from You: When you fill out forms, surveys, quote requests, or applications on our Site.
Through Our Client Apps: When you use your client account, fill in an application, send a message, ask the assistant a question, or scan a signed form.
Automatically via Technology: Through the use of cookies, web beacons, and pixels when you browse our Site.
From Third Parties: We may receive information about you from other sources, such as marketing partners or lead providers, in accordance with their privacy policies.
4. How We Use Your Information
Tax Free Wealth Plan LLC uses the information you provide to respond to your requests, prepare or review insurance and retirement planning options, provide quote information, schedule appointments, communicate with clients and prospective clients, and support policy-related service needs. We also use the information we collect to:
Provide Our Services: To create your custom financial roadmap, analyze your financial situation, and deliver the educational content you request.
Run Our Client Apps: To run your client account, prepare and send your applications, deliver your messages to your team, and answer your questions through the assistant. We never use information from the Apps for advertising. Sections 5 and 6 explain more.
Connect You with Licensed Professionals: To share your information with licensed insurance professionals and affiliated agents in our network so they can provide you with quotes, consultations, and services.
Communicate with You: If you submit a form, survey, quote request, application, or similar request through our website, advertisements, or related pages, we may contact you by phone, text message, email, or other communication methods regarding your request. Communications may be made by Tax Free Wealth Plan LLC or by licensed insurance professionals affiliated with, contracted with, or partnered with Tax Free Wealth Plan LLC.
Marketing and Advertising: To send you promotional materials, newsletters, and other information we think may interest you. We also use this data to create audiences for advertising on platforms such as Google and Meta (Facebook).
Improve Our Site: To understand how users interact with our website and to improve its functionality and user experience.
Legal and Security Purposes: To comply with legal obligations, prevent fraud, and enforce our terms of service.
5. Our Client Apps
This section explains what our Apps collect and why. App accounts are by invitation only: your strategist sets up your account.
What the Apps collect. Depending on how you use the Apps, we collect:
Your name, email address, phone number, mailing address and date of birth.
Your Social Security number and ID details, such as your driver's license information.
Details about your beneficiaries.
Financial details for applications, such as your income, assets, premium and the source of the money for your premium.
Messages you send to your team and questions you ask the assistant.
Photos or scans of signed paper forms, and documents your strategist shares with you.
An account ID that identifies your client account.
Why we collect it. We use this information to run your client account, prepare your applications and send them to insurance companies, deliver your messages to your strategist and team, answer your questions through the assistant, and keep the records the law requires.
No tracking or ads in the iPhone app. The iPhone app does not track you, does not show ads and does not use advertising identifiers.
Face ID stays on your phone. If you turn on the Face ID lock, your iPhone checks your face. We never receive your face data. The app only gets a yes or no answer from your phone.
Where it is stored. We store information from the Apps in our client system on U.S. cloud servers run by Amazon Web Services. It is encrypted in transit and at rest. On your iPhone, your sign-in is stored in the iPhone Keychain, and saved application drafts are protected by iOS file encryption.
6. The AI Assistant
Our Apps include an AI assistant called Ask. It answers questions about your plan, your documents and your application.
Who provides it. Ask uses artificial intelligence (AI) models from OpenAI. In the iPhone app, your question goes through our client system to OpenAI's API. The web client app, and the iPhone app's sample account, reach OpenAI's models through OpenRouter, using OpenRouter's zero-data-retention routing.
What is sent. Your question and details of your plan, for example your first name, state, plan options, premiums and application status.
What is removed. Social Security numbers, bank account numbers and card numbers are removed before anything is sent.
Your permission. The iPhone app asks for your permission before your first question. You can turn Ask off at any time in Profile, and when you sign out, the app forgets your permission and will ask again. In the web client app, nothing is sent to the AI provider unless you type a question and send it.
Training and retention. OpenAI's API terms say that it does not use API data to train its models by default. Under its own policies, OpenAI may keep API data for up to 30 days to monitor for abuse.
Answers from the assistant are for information only and can be wrong. Please see our Terms of Use.
7. How We Share Your Information
Financial privacy. As a licensed insurance agency, we protect your nonpublic personal information, such as your financial details and Social Security number, under federal and state insurance privacy laws.
Information from our client apps. We share information from the Apps only with your team (your strategist and the people who support them), the insurance companies you apply to or hold products with, and service providers that run the Apps for us, such as hosting, email delivery and the AI provider. We may also disclose it for legal reasons or in a business transfer, as described below. We never sell information from the Apps and never use it for advertising.
Information from our website and forms. We may share your information with licensed insurance professionals, affiliated agents, service providers, technology platforms, marketing and analytics providers, insurance carriers, and other parties necessary to respond to your request, provide services, process applications, maintain client records, comply with legal obligations, or operate our business.
We do not sell personal information for money. However, certain advertising, analytics, or retargeting activities may be considered a "sale" or "sharing" under some state privacy laws. Where required, we provide applicable privacy choices and opt-out rights.
We may also disclose your information for legal reasons, such as to comply with a legal obligation or respond to valid requests by public authorities, and in connection with a business transfer such as a merger, acquisition, or sale of assets.
8. Your Communication Choices
You may opt out of marketing emails by using the unsubscribe link in our emails. You may opt out of text messages by replying STOP. You may also contact us at contact@taxfreewealthplan.com to request that we stop contacting you by phone, text, or email, subject to communications that may still be necessary for legal, transactional, policy servicing, or compliance purposes.
9. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to track activity and hold certain information. These are used to improve your experience and support our advertising efforts. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.
This section describes our website. The iPhone app does not track you, show ads or use advertising identifiers (see Section 5).
10. Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, alteration, disclosure, or destruction. We use technologies such as Secure Socket Layer (SSL) to encrypt data in transit. However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure.
Information in our Apps is stored on U.S. cloud servers run by Amazon Web Services and is encrypted in transit and at rest. On your iPhone, your sign-in is kept in the iPhone Keychain and saved application drafts are protected by iOS file encryption.
11. Data Retention and Deleting Your App Account
We will retain your Personal and Financial Information only for as long as is necessary for the purposes set out in this Privacy Policy, to provide our services to you, or as required to comply with our legal obligations.
Deleting your app account. You can delete your app account at any time. In the iPhone app, go to Profile and tap Delete my app account. You can also call us at (307) 323-4657. This deletes your app account, all of your sign-ins and sign-in codes, and your history of questions to the assistant.
What we keep, and why. Records of your plan, applications, contracts and communications stay with your team and with the insurance companies, because insurance and other laws require them to be kept. Deleting your app account does not delete these records, and it does not cancel any policy or application.
12. Your Privacy Rights
Depending on your jurisdiction, you may have certain rights regarding your personal information, which may include:
The right to access: You have the right to request copies of your personal data.
The right to rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
The right to erasure: You have the right to request that we erase your personal data, under certain conditions. You can also delete your app account yourself, as described in Section 11.
The right to restrict processing: You have the right to request that we restrict the processing of your personal data, under certain conditions.
The right to object to processing: You have the right to object to our processing of your personal data, under certain conditions.
The right to data portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
The right to opt out of sale or sharing: Where applicable, you have the right to opt out of the "sale" or "sharing" of your personal information, including for cross-context behavioral advertising. We honor recognized opt-out preference signals, such as the Global Privacy Control (GPC), where required by law.
To exercise any of these rights, please contact us using the information below.
13. Children's Privacy
Our Site, Apps and services are not intended for use by anyone under the age of 18 ("Children"). Our Apps are for adults 18 and older, and we do not give app accounts to anyone under 18. We do not knowingly collect personally identifiable information from children. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us.
14. Links to Other Websites
Our Site may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
15. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top.
16. Contact Us
If you have any questions about this Privacy Policy, please contact us:
By email: contact@taxfreewealthplan.com
By mail: Tax Free Wealth Plan LLC, 2232 Dell Range Blvd Ste 242 #5469, Cheyenne, WY 82009