Privacy Policy

Privacy Statement

LLIPF, LLC is committed to protecting your privacy. This Statement of Privacy applies to the Life’s Lessons in Personal Finance Web site and governs data collection and usage. By using the Life’s Lessons in Personal Finance Web site, you consent to the data practices described in this statement.

Collection of your Personal Information

If you register as a user, LLIPF, LLC collects personally identifiable information, such as your e-mail address, name, home or work address and telephone number. LLIPF, LLC also collects anonymous demographic information such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by LLIPF, LLC. This information includes but is not limited to: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by LLIPF, LLC for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Life’s Lessons in Personal Finance Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Life’s Lessons in Personal Finance public message boards, this information may be collected and used by others. Note: LLIPF, LLC does not read any of your private online communications.

LLIPF, LLC encourages you to review the privacy statements of Web sites you choose to link to from Life’s Lessons in Personal Finance Web site so that you can understand how those Web sites collect, use and share your information. LLIPF, LLC is not responsible for the privacy statements or other content on Web sites outside of the Life’s Lessons in Personal Finance Web site and Life’s Lessons in Personal Finance family of Web sites.

Use of your Personal Information

LLIPF, LLC collects and uses your personal information to deliver the services you have requested. LLIPF, LLC also uses your personally identifiable information to inform you of other products or services available from LLIPF, LLC and its affiliates. LLIPF, LLC may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

LLIPF, LLC does not sell, rent or lease its customer lists to third parties. LLIPF, LLC, may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, LLIPF, LLC may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to LLIPF, LLC, and they are required to maintain the confidentiality of your information.

LLIPF, LLC does not collect, use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.  LLIPF, LLC does not collect, use or disclose any personal information of children under the age of thirteen (13).

LLIPF, LLC keeps track of the Web sites and pages our customers visit within Life’s Lessons in Personal Finance Web site, in order to determine what Life’s Lessons in Personal Finance services are the most popular. This data is used to deliver customized content and advertising within Life’s Lessons in Personal Finance Web site to customers whose behavior indicates that they are interested in a particular subject area.

Life’s Lessons in Personal Finance Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on LLIPF, LLC or the site; (b) protect and defend the rights or property of LLIPF, LLC; and, (c) act under exigent circumstances to protect the personal safety of users of Life’s Lessons in Personal Finance web site, or the public.

Use of Cookies

The Life’s Lessons in Personal Finance Web site uses "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Life’s Lessons in Personal Finance pages, or register with Life’s Lessons in Personal Finance site or services, a cookie helps Life’s Lessons in Personal Finance Web site to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Life’s Lessons in Personal Finance Web site, the information you previously provided can be retrieved, so you can easily use the Life’s Lessons in Personal Finance Web site features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Life’s Lessons in Personal Finance Web sites you visit.

Security of your Personal Information

LLIPF, LLC secures your personal information from unauthorized access, use or disclosure. LLIPF, LLC secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

LLIPF, LLC will occasionally update this Statement of Privacy to reflect company and customer feedback. LLIPF, LLC encourages you to periodically review this Statement to be informed of how LLIPF, LLC is protecting your information.

Contact Information

LLIPF, LLC welcomes your comments regarding this Statement of Privacy. If you believe that LLIPF, LLC has not adhered to this Statement, please contact us at We will use commercially reasonable efforts to promptly determine and remedy the problem.


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