Privacy Policy

Learn Better Living ("we," "us," or "our") operates the website learnbetterliving.com. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

1. Information We Collect

Personal Information You Provide

When you fill out forms on our website (such as our quiz or contact forms), we may collect:

• Name (first and last)
• Email address
• Phone number
• Zip code
• Financial situation information (credit score range, debt status, housing situation)
• Any other information you choose to provide

Information Collected Automatically

When you visit our website, we automatically collect:

• IP address and approximate location
• Browser type and version
• Device type and operating system
• Pages visited and time spent on pages
• Referring website or source
• Clicks and interactions with our content

2. How We Use Your Information

We use the information we collect to:

• Provide personalized recommendations and content
• Connect you with financial products and services that match your needs
• Share your information with our marketing partners (see Section 3)
• Respond to your inquiries and provide customer support
• Send you marketing communications (with your consent)
• Improve our website and services
• Analyze usage patterns and trends
• Comply with legal obligations

3. Information Sharing and Disclosure

Marketing Partners

Important: When you submit your information through our forms (including our quiz), you consent to us sharing your information with our network of marketing partners who may contact you via phone, email, or text message regarding financial products and services including but not limited to:

• Credit cards and credit-building products
• Personal loans and debt consolidation
• Insurance products (auto, home, life)
• Mortgage and refinancing services
• Debt relief and credit counseling services

Our partners may contact you even if you are on a Do Not Call list, based on the consent you provide. See our Marketing Partners page for a current list of partners.

Other Disclosures

We may also share your information:

• With service providers who help us operate our website
• To comply with legal requirements or respond to legal process
• To protect our rights, privacy, safety, or property
• In connection with a merger, acquisition, or sale of assets

4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences
• Analyze website traffic and usage
• Deliver targeted advertising
• Track conversions and effectiveness of our marketing

Third-party analytics and advertising partners may also place cookies on your device. You can control cookies through your browser settings, though some features may not function properly if cookies are disabled.

5. Your Privacy Rights

All Users

You may:

• Opt out of marketing emails by clicking "unsubscribe" in any email
• Request to be placed on our internal Do Not Call list
• Contact us to request access to or deletion of your information

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to Know: Request what personal information we collect, use, and disclose
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt out of the "sale" of your personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights

To exercise these rights, contact us at privacy@learnbetterliving.com or call 1-800-XXX-XXXX.

6. Data Security

We implement reasonable security measures to protect your information, including encryption of data in transit. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Lead information may be retained for up to 7 years.

8. Children's Privacy

Our website is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Third-Party Links

Our website contains links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to read the privacy policies of any website you visit.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Email: privacy@learnbetterliving.com
Address: [Your Business Address]