Life Credit Company, LLC ("Life Credit," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, and disclose information when you use our website at lifecreditcompany.com and related services.

1. Information We Collect

We collect information you provide directly to us, including:

Name, email address, phone number
Life insurance policy information
Medical condition information (only as needed to evaluate loan qualification)
Financial information relevant to processing your application
Communications you send us via forms, email, or phone

We also automatically collect certain information when you use our website, including IP address, browser type, operating system, referring URLs, and pages visited. We use cookies and similar tracking technologies including Google Analytics (GA4), Google Tag Manager, and the Facebook Pixel to help analyze site usage and improve our services.

2. How We Use Your Information

We use the information we collect to:

Process and evaluate your loan application
Communicate with you about our Living Benefit Loan program
Respond to your questions and requests
Comply with legal and regulatory requirements
Improve and analyze our website and marketing effectiveness
Send you informational communications relevant to your inquiry

3. How We Share Your Information

We do not sell or rent your personal information to third parties. We may share your information with:

Service providers who assist in our loan operations under strict confidentiality obligations
Life insurance companies as necessary to process your loan
Legal and regulatory authorities when required by law
Licensed life settlement providers or brokers to facilitate qualified transactions (Life Credit is a marketing company; qualified policies may be referred to a licensed entity)

4. Medical Information

Any medical information you provide is treated with the highest level of confidentiality. We use this information solely to evaluate your eligibility for our Living Benefit Loan program and for no other purpose without your explicit consent.

5. Cookies and Tracking Technologies

Our website uses cookies, web beacons, and similar technologies. We use:

Google Analytics (GA4) to understand how visitors use our site
Google Tag Manager to manage tracking scripts
Facebook Pixel to measure advertising effectiveness

You can control cookie settings through your browser settings. Note that disabling certain cookies may affect website functionality.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. However, no Internet transmission or electronic storage method is 100% secure, and we cannot guarantee absolute security.

7. Your Rights

Depending on your state of residence, you may have certain rights regarding your personal information, including the right to access, correct, or request deletion of your information. California residents may have additional rights under the California Consumer Privacy Act (CCPA). To exercise these rights, please contact us.

8. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

10. 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 updated policy on our website with a revised effective date.

11. Contact Us

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

Life Credit Company, LLC
7924 Ivanhoe Avenue, Suite 10, La Jolla, CA 92037
Phone: 1-888-274-1777
Email: support@lifecredit.com