Privacy Statement

Effective Date: January 4, 2026

Life Settlement Labs ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Statement explains how we collect, use, and protect your data when you use https://lifesettlementlab.com.

Regulated Activities & Licensing Notice

Life Settlement Labs is a technology and marketing platform. We are not a licensed life settlement broker or purchaser. Any regulated life settlement activities—including formal underwriting, bidding, or transactional services—are performed exclusively by our licensed affiliate.

1. Information We Collect

We collect information that you voluntarily provide through our valuation tools and contact forms:

  • Contact Information: Name, email address, and phone number.
  • Policy Details: Carrier name, face value, death benefit, and premium history.
  • Sensitive Health & Lifestyle Data: Age, gender, smoking status, medical conditions (e.g., cardiovascular, neurological, or gastrointestinal history), and lifestyle factors used for mortality modeling.

2. How We Use Your Information

We use your data to power our proprietary valuation engine and provide the services you request:

  • Actuarial Modeling: To perform mortality analysis and estimate life expectancy.
  • Valuation Estimates: To generate a non-binding estimate of your policy's secondary market value.
  • Affiliate Connection: To transfer your case to a licensed affiliate for formal review.
  • Communication: To contact you via email, phone, or SMS regarding your results.

3. HIPAA & Sensitive Data Notice

HIPAA Notice: Because Life Settlement Labs is not a healthcare provider, health plan, or medical clearinghouse, information entered into this website is generally not considered "Protected Health Information" (PHI) under the Health Insurance Portability and Accountability Act (HIPAA).

However, we treat your medical data with equivalent high-security standards. We do not sell your health data to third-party advertisers. It is used strictly for the financial assessment of your life insurance policy.

4. How We Share Your Information

We share your information only in the following circumstances:

  • With Licensed Affiliates: We share your full case profile with our licensed affiliate to facilitate professional life settlement services.
  • With Service Providers: We use trusted third-party providers to host our website, store our database, and send emails. These providers are contractually obligated to protect your data.

5. Data Security & Retention

We employ industry-standard technical safeguards, including:

  • Encryption in Transit: All data sent to our servers is encrypted via SSL/TLS.
  • Encryption at Rest: Your data is stored in encrypted databases with restricted access.
  • Retention: We retain your data only as long as necessary to fulfill the purposes outlined in this statement or to comply with legal obligations.

6. Your Rights & Choices

Depending on your state of residence (such as California, Colorado, or Washington), you may have the right to:

  • Access the personal data we hold about you.
  • Correct inaccuracies in your data.
  • Delete your sensitive health information from our records.
  • Opt-out of future communications.

To exercise these rights, contact us at: [email protected]

7. Consent for Electronic Communication

By providing your contact information, you agree to receive electronic communications (email and SMS) from us and our affiliates regarding your valuation. You may opt-out at any time.