Privacy Statement

Secure Lifestyle LLC operates Finance Navigator and FinanceNavigator.io. We respect your privacy and want you to understand what information we collect, why we collect it, how it may be used or shared, and the choices and rights that may be available to you.

This Privacy Statement applies to Finance Navigator websites, software, applications, and other online services that link to this Privacy Statement (collectively, the “Services”).

Throughout this Privacy Statement, “Finance Navigator,” “we,” “us,” and “our” refer to Secure Lifestyle LLC, as applicable. “You” and “your” refer to visitors, members, customers, and other individuals who use or interact with our Services.

Finance Navigator is intended for individuals age 18 and older.

About Finance Navigator

Finance Navigator is an educational software platform designed to help users organize, visualize, explore, and model financial information. The platform includes tools and features related to areas such as cashflow, budgeting, debt, savings, investments, retirement, mortgages, financial goals, lifestyle planning, and financial scenarios.

Finance Navigator may be made available directly to members or through authorized organizations that provide, sponsor, or support access to the platform.

Finance Navigator provides general financial education and information. It does not provide individualized financial, investment, insurance, tax, or legal advice and does not recommend specific securities, financial products, insurance products, or strategies. Information, calculations, projections, scenarios, and other outputs depend on information entered and assumptions used, and actual results may differ.

Information We Collect

The information we collect depends on how you interact with Finance Navigator and which features you choose to use.

Account and Profile Information

When you create or maintain a Finance Navigator account, we may collect or maintain information such as:

• your first and last name;
• email address;
• mobile phone number;
• state of residence;
• optional secondary email address;
• optional profile image;
• membership, subscription, or trial status;
• account and access information;
• agency or sponsoring-organization relationship, where applicable; and
• other information you choose to provide through available profile fields.

Authentication credentials are handled through our authentication systems and service providers. Finance Navigator does not store passwords in its application data records.

Financial Information You Enter

Finance Navigator allows you to enter financial information so you can use its educational tools, calculators, scenarios, dashboards, and other features.

Depending on the features you use, this may include information about:

• income and cashflow;
• bills and expenses;
• debts, balances, interest rates, and credit utilization;
• savings;
• investments;
• retirement accounts and balances;
• mortgages;
• financial goals;
• lifestyle and scenario information;
• insurance- or protection-related expenses or information;
• assets and net-worth information;
• transactions and budget categories; and
• other financial information you choose to enter.

Finance Navigator does not currently connect directly to your bank or financial institutions. We do not ask for your online banking credentials or financial account numbers.

Some areas of the Services may contain notes, descriptions, messages, support forms, or other free-text fields. Please do not enter passwords, online banking credentials, complete financial account numbers, or other highly sensitive information into free-text fields unless specifically requested through an appropriate secure process.

Communications, Support, Feedback, and Testimonials

If you contact Member Care, submit a support request, provide feedback, complete a survey, or choose to share a testimonial or story, we may collect the information you provide along with information needed to respond to or administer the communication.

Testimonials, stories, images, audio, video, or similar materials intended for public or promotional use may be subject to additional consent or authorization requirements.

Payment and Subscription Information

Payments for applicable Finance Navigator memberships or services are processed through third-party payment processors, including Stripe.

Finance Navigator does not store your complete payment card number or card security code in its application records.

We may receive and maintain information associated with transactions and subscriptions, such as:

• customer or subscription identifiers;
• payment or transaction identifiers;
• membership plan or tier;
• billing cycle;
• subscription or payment status;
• transaction amount and date;
• renewal or cancellation information; and
• related billing or transaction records.

Your payment processor's handling of payment information is also governed by its own privacy and security practices.

Information Collected Automatically

When you access or use the Services, certain technical, security, and usage information may be collected automatically.

Depending on your interaction with the Services, this may include:

• IP address;
• browser and user-agent information;
• device type;
• operating system;
• login and logout timestamps;
• session identifiers;
• session duration;
• authentication and security records;
• certain pages or features accessed;
• application usage or activity information;
• approximate city, region, or country information derived from an IP address;
• privacy and consent preferences;
• Global Privacy Control signals when detected; and
• other information used to operate, secure, troubleshoot, and improve the Services.

Finance Navigator does not currently collect precise GPS location through its application.

Cookies, Local Storage, Analytics, and Similar Technologies

Finance Navigator and its service providers may use cookies, browser storage, session storage, pixels, scripts, or similar technologies to operate the Services, maintain preferences, support authentication and security, understand use of the Services, and, where applicable, support analytics or advertising-related functions.

Finance Navigator currently maintains privacy and consent controls that may record your choices through browser storage and internal consent records.

Certain analytics or advertising technologies may be configured or made available on FinanceNavigator.io and may be activated subject to applicable consent requirements. Where required, non-essential technologies should not be activated until the appropriate consent is provided.

Depending on applicable law and available controls, you may be able to manage certain privacy choices through our consent tools, including choices relating to the sale or sharing of personal information or targeted advertising where those concepts apply.

Browser settings and privacy signals may also affect how certain technologies operate. Where required by applicable law, we may recognize supported privacy preference signals, such as Global Privacy Control.

Because technologies and legal definitions change, our cookie or consent interface may provide additional current information about available choices.

How We Use Information

We may use information collected through Finance Navigator to:

• provide and operate the Services;
• create, authenticate, and manage accounts;
• provide financial education tools, calculations, dashboards, scenarios, and other platform features;
• administer memberships, subscriptions, trials, purchases, and access;
• personalize and improve the member experience;
• provide Member Care and respond to questions or support requests;
• communicate about accounts, subscriptions, security, service updates, and transactions;
• send marketing or promotional communications where permitted by law and consistent with your choices;
• process payments and maintain transaction and subscription records;
• understand how the Services are used;
• develop, test, maintain, and improve features and services;
• maintain security, detect unauthorized activity, prevent fraud, and protect users and the Services;
• maintain consent, access, audit, and other operational records;
• comply with applicable legal and regulatory requirements;
• establish, exercise, or defend legal claims; and
• carry out other purposes disclosed when information is collected or with your consent.

Where applicable law requires a lawful basis for processing personal information, that basis may include performance of a contract, your consent, compliance with legal obligations, or our legitimate interests, provided those interests are not overridden by applicable rights and protections.

When and With Whom We May Share Information

We do not sell or rent your personal information to third-party data vendors or marketing companies.

We may disclose information in the circumstances described below.

Service Providers

We may provide information to service providers that perform services on our behalf, such as providers supporting:

• hosting and application infrastructure;
• authentication and data storage;
• payment processing;
• email delivery;
• security and fraud prevention;
• analytics and application functionality;
• accessibility services;
• artificial-intelligence-enabled features;
• membership or access verification; and
• other services necessary to operate and support Finance Navigator.

These providers may process information only as permitted by applicable agreements, their roles, and applicable law.

Agencies and Organizations Providing or Supporting Access

If your access to Finance Navigator is provided, sponsored, administered, or supported through an authorized agency or other organization, authorized personnel may have access to certain information associated with your account.

Depending on the relationship, permissions, and services involved, this may include identity and contact information, account and membership status, support information, billing-related status or history, login and consent or audit information, and certain financial information available through authorized administrative or member-view tools.

Access is subject to applicable permissions and the relationship between the member, Finance Navigator, and the authorized organization.

Affiliates

We may share information with affiliated entities where reasonably necessary to operate, administer, support, or improve our Services, subject to applicable law and this Privacy Statement.

Legal, Regulatory, and Safety Reasons

We may disclose information when we reasonably believe disclosure is necessary or appropriate to:

• comply with applicable law, regulation, legal process, subpoena, court order, or governmental request;
• protect the rights, property, security, or safety of Finance Navigator, Secure Lifestyle LLC, our members, or others;
• investigate or prevent suspected fraud, misuse, unauthorized access, or other unlawful activity; or
• establish, exercise, or defend legal claims.

Business Transactions

If Secure Lifestyle LLC or Finance Navigator is involved in a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar transaction, information may be transferred or disclosed as part of that transaction, subject to applicable legal requirements.

At Your Direction or With Your Consent

We may disclose information when you direct us to do so, authorize the disclosure, or otherwise consent to it.

Sale, Sharing, and Targeted Advertising

Finance Navigator does not sell personal information to third-party data vendors or marketing companies for money.

Privacy laws in some jurisdictions define terms such as “sell,” “share,” or “targeted advertising” more broadly and may apply those terms to certain uses of cookies, pixels, advertising technologies, or disclosures to third parties even when no money changes hands.

Where applicable law provides a right to opt out of such activity, Finance Navigator will provide applicable privacy controls or other methods for exercising that right.

Email, SMS, and Other Communications

We may send transactional or service-related communications concerning your account, security, membership, subscription, payments, support requests, or use of the Services. Because these communications may be necessary to provide or administer the Services, they may not always be subject to marketing opt-out preferences.

Where permitted, we may also send marketing or promotional communications. You may unsubscribe from marketing emails using the unsubscribe method included in those communications.

If SMS or text-message communications are offered, additional consent may be requested as required by applicable law. Consent to receive marketing communications is not a condition of purchasing Finance Navigator unless expressly stated otherwise and legally permitted.

Financial Information and Educational Tools

Finance Navigator provides educational software tools and information. It does not hold, transfer, invest, or manage your money.

Calculations, projections, simulations, insights, comparisons, and other outputs may depend on information you provide, assumptions, formulas, historical information, or other variables. They are estimates or educational illustrations and should not be interpreted as guarantees of future performance or outcomes.

Finance Navigator does not provide individualized financial, investment, insurance, tax, or legal advice or recommend specific financial products, securities, insurance products, or strategies.

You should consider your individual circumstances and consult appropriately qualified professionals when needed.

How We Protect Information

We use administrative, technical, and organizational safeguards designed to help protect personal information and member accounts.

Depending on the system or information involved, these safeguards may include encrypted connections, authentication and access controls, permission-based access, monitoring and logging, security controls, and procedures intended to detect or respond to unauthorized activity.

We also use service providers that maintain their own security measures for the systems and information they process on our behalf.

No website, application, transmission method, or electronic storage system can be guaranteed to be completely secure. Accordingly, while we work to protect information, we cannot guarantee absolute security.

If we become aware of a security incident involving personal information, we will evaluate and respond to the incident in accordance with applicable law and our incident-response procedures, including providing notices when legally required.

Data Retention

We retain personal information for as long as reasonably necessary for the purposes for which it was collected or processed, including to:

• provide and administer the Services;
• maintain account and subscription records;
• process and document transactions;
• provide support;
• maintain security, fraud-prevention, consent, and audit records;
• resolve disputes;
• enforce agreements;
• maintain appropriate business records; and
• satisfy applicable legal, regulatory, tax, accounting, or reporting obligations.

Retention periods may vary depending on the type of information, the nature of our relationship with you, operational requirements, and applicable legal obligations.

When information is no longer reasonably necessary, we may delete, anonymize, or otherwise dispose of it in accordance with our practices and applicable requirements.

Accessing, Correcting, and Deleting Your Information

Finance Navigator allows members to update or remove much of the financial information they have entered as their circumstances change.

Certain profile information may also be updated through available account or profile controls.

Some account information, authentication information, administrative records, or other system information may not be directly editable or deletable by members.

If you want to request deletion of your Finance Navigator account, please contact Member Care at membercare@financenavigator.io.

An account-deletion request does not necessarily result in deletion of every record associated with an account. Certain information may be retained where reasonably necessary or as permitted or required by applicable law, including for security, fraud prevention, transaction records, legal compliance, dispute resolution, enforcement, audit, or recordkeeping purposes.

We may need to verify your identity before completing certain privacy or account requests.

Your Privacy Rights

Depending on where you live and applicable law, you may have rights concerning your personal information. These may include rights to:

• know or access personal information we maintain about you;
• correct inaccurate personal information;
• request deletion of certain personal information;
• obtain a portable copy of certain information;
• restrict or object to certain processing;
• withdraw consent where processing is based on consent;
• opt out of certain sales, sharing, targeted advertising, or profiling where applicable;
• appeal certain decisions concerning a privacy request; and
• receive information about categories of personal information collected, used, or disclosed.

These rights are not absolute and may be subject to exceptions, limitations, verification requirements, and jurisdiction-specific rules.

To submit a privacy request, contact:

membercare@financenavigator.io

We may request information reasonably necessary to verify your identity and protect your information from unauthorized access or disclosure.

Where applicable law provides a right to appeal our response to a privacy request, instructions for doing so will be provided with our response or may be requested through the contact information above.

We will not unlawfully discriminate against you for exercising applicable privacy rights.

Authorized Agents

Where permitted by applicable law, you may authorize another person to submit a privacy request on your behalf.

We may require the authorized agent to provide proof of authorization and may also require you to verify your identity or confirm directly that you authorized the agent to act for you.

Information obtained for verification of an authorized-agent request will be used for verification, request fulfillment, security, or fraud-prevention purposes as permitted by applicable law.

U.S. State Privacy Rights

Residents of certain U.S. states may have additional privacy rights under state law.

The specific rights available to you depend on the law applicable to your circumstances and whether that law applies to Secure Lifestyle LLC and the processing involved.

California Residents

If the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA/CPRA”), applies to your personal information, you may have rights that include:

• the right to know the categories and specific pieces of personal information collected about you;
• the right to know the categories of sources from which personal information is collected;
• the right to know the purposes for collecting, using, selling, or sharing personal information;
• the right to know the categories of third parties to whom personal information is disclosed;
• the right to request correction of inaccurate personal information;
• the right to request deletion of certain personal information, subject to applicable exceptions;
• the right to obtain certain personal information in a portable format;
• the right to opt out of the sale or sharing of personal information where applicable;
• the right to limit certain uses or disclosures of sensitive personal information where applicable; and
• the right not to receive discriminatory treatment for exercising rights provided by applicable law.

Finance Navigator does not sell personal information to third-party data vendors or marketing companies for money.

As explained above, California law may define “sharing” more broadly in connection with certain cross-context behavioral advertising activities. Where such activity occurs and California law requires an opt-out, applicable controls will be provided.

California residents may submit privacy requests through membercare@financenavigator.io or the privacy controls made available through our Services.

We may verify requests as permitted or required by applicable law. Certain information may be exempt from deletion or other requests where an exception under applicable law applies.

Residents of Other U.S. States

Residents of states with applicable comprehensive privacy laws—including, depending on the circumstances, Virginia, Colorado, Connecticut, Utah, Texas, and other jurisdictions—may have rights concerning access, correction, deletion, portability, targeted advertising, sale of personal information, profiling, consent, or appeals.

The availability and scope of these rights depend on applicable law and whether relevant statutory thresholds and requirements apply.

Requests may be submitted to membercare@financenavigator.io.

International Privacy Rights

Individuals in the European Economic Area, United Kingdom, Switzerland, or other jurisdictions with applicable data-protection laws may have additional rights regarding their personal information.

Depending on applicable law, those rights may include:

• access to personal information;
• correction of inaccurate information;
• deletion or erasure;
• restriction of processing;
• objection to certain processing;
• data portability;
• withdrawal of consent where processing relies on consent; and
• the right to lodge a complaint with an applicable data-protection authority.

Where applicable law requires a lawful basis for processing personal information, we rely on an appropriate basis for the particular processing activity, which may include performance of a contract, consent, compliance with a legal obligation, or legitimate interests.

International Data Transfers

Finance Navigator and its service providers may process information in the United States and other countries.

When applicable law requires safeguards for transfers of personal information between jurisdictions, we use appropriate transfer mechanisms or other legally recognized safeguards as required.

Data-protection laws in the countries where information is processed may differ from those in your country of residence.

If you are located in a jurisdiction that provides a right to complain to a supervisory or data-protection authority, you may exercise that right in accordance with applicable law.

For questions or requests regarding international privacy rights, contact membercare@financenavigator.io.

Children's Privacy

Finance Navigator is intended for individuals age 18 and older and is not intended for children.

We do not knowingly seek to collect personal information from children through Finance Navigator. If you believe that a person under 18 has provided personal information through the Services, please contact us at membercare@financenavigator.io so the matter can be reviewed and appropriate action taken.

Third-Party Websites and Services

Finance Navigator may contain links to or integrations with third-party websites, platforms, services, or resources.

This Privacy Statement does not govern the privacy practices of third parties acting independently of Finance Navigator. We encourage you to review the privacy notices of third-party services you choose to use.

Changes to This Privacy Statement

We may update this Privacy Statement from time to time to reflect changes in our Services, privacy practices, technology, legal requirements, or other circumstances.

When we make changes, we will update the Last Updated date at the top of this Privacy Statement. Where required by applicable law, we may provide additional notice or obtain consent before material changes become effective.

The English-language version of this Privacy Statement controls to the extent permitted by applicable law if there is a conflict with a translated version.

Contact Us

If you have questions about this Privacy Statement, our privacy practices, or a privacy request, please contact:

Email: membercare@financenavigator.io
Phone: 800.890.8661
Website: FinanceNavigator.io

Copyright © 2026 Secure Lifestyle LLC. All Rights Reserved.