Privacy Policy

We may collect information that you provide directly to us, information collected automatically when you use our Services, and information obtained from advertising, analytics, and other service providers.

Information You Provide

Depending on how you interact with Planning For Later, we may collect information such as:

• Name
• Email address
• Telephone number
• Mailing address
• ZIP code and state
• Age or date of birth
• Coverage interests and desired coverage amount
• Information about your insurance needs or existing coverage
• Answers to insurance eligibility or health-related questions
• Communication preferences
• Information you provide when contacting us
• Other information you voluntarily provide through our forms or communications

The specific information requested may vary depending on the coverage options or services you are exploring.

Information Collected Automatically

When you visit our website or interact with our advertisements, we and our service providers may automatically collect certain information, such as:

• IP address
• Browser and device information
• Device identifiers
• Pages viewed
• Links or buttons clicked
• Referring website or advertisement
• Date and time of visits
• Approximate location derived from your IP address
• Advertising and campaign information
• Cookie and similar technology identifiers
• Information about how you interact with our website

We may use cookies, pixels, tags, analytics tools, and similar technologies to collect this information.

We may use the information we collect to:

• Provide information about final expense insurance and related coverage options
• Process and respond to requests for insurance information
• Connect you with a licensed insurance agent who may be able to discuss available coverage options
• Allow that insurance professional to follow up regarding your request
• Respond to questions and customer-service requests
• Communicate with you by telephone, text message, email, or other permitted methods
• Operate, maintain, and improve our website and Services
• Understand how visitors use our website
• Measure the effectiveness of our advertising and marketing campaigns
• Personalize advertising and website experiences where permitted
• Detect, prevent, and address fraud, abuse, security incidents, or technical issues
• Maintain records and administer our business
• Comply with applicable laws, regulations, legal processes, and regulatory requirements
• Protect our rights and the rights and safety of our users and others

We may disclose information to third parties when necessary to provide our Services, operate our business, comply with legal obligations, or fulfill your request.

Licensed Insurance Professionals

When you request information about insurance coverage, we may provide the information you submit to a licensed insurance agent or insurance professional so that the agent can contact you, discuss your request, explain potential coverage options, and answer questions.

Planning For Later is a consumer information and lead-generation service. Unless expressly stated otherwise, Planning For Later is not the insurance carrier issuing an insurance policy.

The insurance professional who receives your information may have their own privacy practices and policies governing their use of your information.

Service Providers

We may disclose information to companies that perform services on our behalf, including providers that assist with:

• Website hosting and infrastructure
• Customer relationship management
• Form processing
• Email and text communications
• Call and communication technology
• Analytics
• Advertising
• Fraud prevention and security
• Data storage
• Business operations

These providers may process information as necessary to perform services for us.

Business Transactions

If Black Shark Ventures LLC or Planning For Later is involved in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or similar business transaction, information may be transferred as part of that transaction, subject to applicable law.

Legal and Safety Purposes

We may disclose information when we reasonably believe doing so is necessary to comply with applicable law, regulation, legal process, governmental request, or to protect the rights, property, security, or safety of Planning For Later, Black Shark Ventures LLC, our users, or others.

We may use cookies, pixels, tags, analytics technologies, and similar tools to operate our website, understand website usage, measure advertising performance, and support our marketing activities.

These technologies may be provided by third parties, including advertising and analytics platforms such as Meta, Google, and TikTok, as applicable.

These technologies may collect or receive information about your browser, device, interactions with our website, advertisements you viewed or clicked, pages visited, and other online activity.

Depending on your location and applicable law, you may have choices regarding certain uses of cookies or information for targeted or cross-context behavioral advertising.

You may also be able to control certain cookies through your browser settings or through privacy controls we make available on our website.

If you provide your telephone number and consent to receive communications, Planning For Later and/or the licensed insurance professional associated with your request may contact you regarding the insurance information or coverage options you requested, subject to the consent presented to you when you submit your information and applicable law.

Communications may include telephone calls and text messages and, where expressly disclosed and consented to, may involve automated technology.

Consent to receive marketing calls or text messages is not a condition of purchasing any goods or services.

The exact consent language displayed on the form at the time you submit your information governs the communications you authorize.

You may request to stop receiving text messages by following the opt-out instructions provided in those messages, such as replying STOP, where applicable.

You may unsubscribe from marketing emails using the unsubscribe link contained in those emails.

Requests to stop marketing communications do not necessarily prevent us from sending non-marketing communications relating to a request, transaction, legal matter, or other service-related purpose where permitted by law.

When you explore insurance coverage, we may ask questions related to eligibility, insurance needs, or health that can help determine which coverage options may be appropriate to discuss with you.

We use this information for purposes associated with your insurance inquiry, including facilitating your request and connecting you with a licensed insurance professional.

The information collected through Planning For Later should not be considered a substitute for an insurance application, underwriting decision, medical advice, or coverage determination.

Eligibility, rates, coverage, policy terms, and availability are determined by the applicable insurance carrier and/or licensed insurance professional.

We use reasonable administrative, technical, and organizational safeguards designed to protect the information we maintain.

However, no website, electronic transmission, or storage system can be guaranteed to be completely secure. We therefore cannot guarantee the absolute security of information transmitted to or maintained by us.

We may retain information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including providing our Services, maintaining business and transaction records, resolving disputes, enforcing agreements, meeting legal and regulatory obligations, and protecting against fraud or abuse.

Retention periods may vary depending on the type of information, why it was collected, and applicable legal requirements.

Depending on where you live, applicable law may provide you with certain rights regarding your personal information.

These may include the right to request:

• Access to certain personal information we maintain about you
• Correction of inaccurate personal information
• Deletion of certain personal information
• Information about categories of information we collect or disclose
• A copy of certain information
• Opt-out of certain forms of targeted advertising, sharing, or sale as those terms are defined under applicable privacy laws
• Withdrawal of certain consent where applicable

These rights are not absolute and may be subject to exceptions or verification requirements.

To submit a privacy request, contact us at:

support@planningforlater.com

+1 844-580-7928

Please include enough information for us to understand and appropriately respond to your request. We may need to verify your identity before fulfilling certain requests.

Where applicable, you may also use an authorized agent to submit a request on your behalf, subject to appropriate verification.

We will not unlawfully discriminate against you for exercising privacy rights available to you under applicable law.

Some state privacy laws use terms such as “sale,” “sharing,” or “targeted advertising” in ways that may include certain transfers of personal information or the use of advertising technologies, even when no money is exchanged for the information.

Planning For Later may disclose information to a licensed insurance professional in connection with a consumer’s request for insurance information. We may also use advertising and analytics technologies as described in this Privacy Policy.

Where applicable law gives you the right to opt out of certain activities classified as a “sale,” “sharing,” or targeted advertising, we will provide a method for exercising that right as required.

Residents of certain U.S. states may have additional privacy rights under their state’s laws.

As Planning For Later expands into additional states, we may provide supplemental disclosures, notices, or privacy controls where required by applicable law.

If a state-specific privacy notice applies to you, that notice should be read together with this Privacy Policy.

Planning For Later’s Services are intended for adults seeking information about insurance coverage and are not directed toward children under 18.

We do not knowingly collect personal information directly from children under 18 through our lead-generation Services.

If you believe a child has provided personal information to us, please contact us so we can review the situation and take appropriate action.

Our website may contain links to websites or services operated by third parties.

We are not responsible for the privacy practices, content, or security of third-party websites or services. We encourage you to review the privacy policies of any third party with whom you interact.

We may update this Privacy Policy periodically to reflect changes in our practices, Services, technology, legal requirements, or other circumstances.

When we update this Privacy Policy, we will revise the “Last Updated” date at the top of this page.

We encourage you to review this Privacy Policy periodically.

If you have questions about this Privacy Policy, our privacy practices, or your personal information, you may contact us at: