Privacy Policy | MyLifeLedger

At MyLifeLedger, protecting your family's privacy is our fundamental obligation. We built this platform on a "Map, Not Vault" philosophy—meaning we help you organize where things are, without requiring you to store the keys (passwords) to open them.

1. Information We Collect

A. Information You Provide to Us

Account Information: When you register, we collect your name, email address, and payment information (processed securely by Stripe).
Ledger Data: This includes the names of institutions (e.g., "Chase Bank", "State Farm"), physical locations (e.g., "Home Safe", "Filing Cabinet"), and contact names. We do not request or require sensitive account numbers, PINs, or passwords.
Trustee Information: If you use our sharing features, we collect the email addresses of the people you invite (your "Trustees") to send them access invitations.

B. Information Collected Automatically

Usage Data: We collect anonymous data on how you interact with our service to improve user experience (e.g., which pages are visited most).
Device Information: We may collect information about the device and browser you use to access MyLifeLedger for security and optimization purposes.

2. How We Use Your Information

To provide, maintain, and improve the MyLifeLedger service.
To process your subscription payments.
To send you Annual Update Reminders—a core feature ensuring your ledger doesn't go stale.
To notify you about changes to our service or policies.
To provide customer support.

We STRICTLY DO NOT sell, rent, or trade your personal information to third parties, advertisers, or data brokers.

3. Data Security

We employ bank-level security measures designed to protect your information:

Encryption at Rest: Your data is encrypted in our database using **AES-256 encryption**, the industry standard for financial data.
Encryption in Transit: All data transmitted between your device and our servers is protected using Transport Layer Security (TLS/SSL).
Secure Infrastructure: Our servers are hosted in secure data centers with strict access controls.
Payment Security: We do not store your full credit card information. Payments are processed by Stripe, a PCI-DSS compliant payment processor.

4. Sharing Your Information

We only share your personal data in the following limited circumstances:

With Your Consent: When you explicitly invite a family member or advisor ("Trustee") to view your ledger.
Service Providers: With trusted third-party vendors who assist us in operating our service (e.g., hosting, payment processing, email delivery), subject to strict confidentiality agreements.
Legal Obligations: If required by law, subpoena, or legal process, strictly limited to what is legally mandated.

5. Your Rights and Choices

Access and Correction: You can view and edit your personal information at any time by logging into your account.
Data Portability: You can download a PDF copy of your ledger at any time.
Deletion: You may request the deletion of your account. Upon request, we will permanently delete your account and all associated data from our active databases, subject to any legal retention requirements.

6. Children's Privacy

Our service is restricted to users who are 18 years of age or older. We do not knowingly collect personal information from children under the age of 13.

7. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

8. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

support@mylifeledger.com