Privacy Policy

Last updated February 2021.

This Privacy Policy describes how LifeReady (“LifeReady,” “we,” “us,” or “our”) collects, uses, processes and discloses your information on www.lifeready.io (the “Site”) and products, services, websites, and mobile applications (together with the Site, the “Services”). The security, privacy and confidentiality of your Personal Information is of utmost importance to us, which is why we have implemented industry leading administrative, physical and technical protections to safeguard the security, privacy, confidentiality and integrity of your Personal Information, especially your Secure Information. All LifeReady Services rely on thePatented KeyCrypt™ security architecture, a specialised upload technology that encrypts Secure Information on an origin device prior to cloud storage. Users and Trusted Parties create their own unique encryption keys (“Keys”) under which Secure Information is converted into uniquely Encrypted Data (“Encrypted Data”) only accessible to the User and Trusted Parties assigned to access the Secure Information. This encrypted data can only be accessed and decrypted with the Keys protecting against breaches, government requests and future acquisitions. KeyCrypt provides the highest level of user privacy as well as industry leading online data security. Other platforms choose not to implement this style of encryption as it limits the ability to on-sell or release users’ data to a potential acquirer or for marketing purposes. LifeReady prioritizes their privacy interests by integrating these strict security protocols into the core design of the platform. Users benefit from increased protection and an ability to confidently share access with nominees. By using the Site andthe Services, you agree to the terms of this Privacy Policy and the collection, storage, use, processing and disclosure by LifeReady and its services providers of the Content that you enter into the Services. If you don’t agree with this Privacy Policy or the Terms of Service, please do not use the Services.

Types of Content

For the purpose of this Privacy Policy, “Content” means any information that uniquely identifies you or any other individual or otherwise contains personally identifiable information provided by or obtained from you or any other user of the Services. Personal Information may include certain types of Basic Information, Secure Information, Advisor Information and Public Information, each of which is described in further detail below.

Basic Information “Basic Information” may include all or some of the following: first and last name of user, primary email address (“Primary Email”), gender, address and postcode, date of birth, date and time of account creation and (if applicable) deletion of your account, and Trusted Parties associated with your account on LifeReady. We use Basic Information to operate and provide the Services as well as to contact you if we need to send information about the Services. If you no longer want to receive email communications from us, follow the “unsubscribe” instructions at the bottom of any email message received.

Certain types of important email communications are required to be sent to you (such as notifications about password changes, permissions changes, or changes to the Terms of Service or this Privacy Policy) and for these, you may not be given an “unsubscribe” option while your account is active.

Secure Information “Secure Information” is any content that you submit through the Services, including health and medical information, personal information, financial information and legal information. By submitting Secure Information through the Services, you hereby grant LifeReady a worldwide, non-exclusive, royalty-free license to store, reproduce and display your Secure Information solely as necessary to operate the Services on your behalf. Full ownership of your Secure Information is still retained by you and in no way does this, or any other Terms or Policy transfer ownership of Secure Information to LifeReady. All Secure Information stored on LifeReady is fully encrypted using LifeReady’s patented KeyCrypt™ security architecture meaning that, in no situation can LifeReady employees, contractors or other associated parties access any Secure Information users submit through the Services. LifeReady may collect data on a categorical basis solely as necessary to operate, provide and improve the Services, but never the content or details of Secure Information.

Advisor Information

If you are working with a financial advisor, an employer, benefits administrator, insurance company or any third party institution (collectively, a “Partner Provider”) to provide you access to the Services, your Partner Provider may be able to see information about your use of, and access to, the Services. This may include the type of Life Ready plan you select,details about the time and date you last logged in to the Services, your total logins to the Services, and an overview of sections of your LifeReady profile which have been partially orfully completed (collectively, the “Usage Information”).

By accepting a Partner Provider’s invitation to sign up for the Services, (an “Invitation”), you hereby grant LifeReady a worldwide, non-exclusive, perpetual, royalty-free, fully paid, sub licensable and transferable license to store, aggregate, reproduce and display User Information, internally or to your Partner Provider, solely as necessary to operate, provide and improve the Site, the Services and our businesses, including after termination of your Account or the Services. You also hereby grant your Partner Provider, a non-exclusive, perpetual license to access your UsageInformation through the Services, and to use, prepare derivative works of, and display such Usage Information, including after termination of your Account or the Services. Usage Information may be personally identifiable and may be tied back to you, your Account and/or your web browser. Usage Information will never contain any Secure Information.

Security

The security, privacy, and confidentiality of your Secure Information are of utmost and critical importance to us. When we collect your Personal Information including, without limitation, your Secured Information, we will do so using systems and processes consistent with information privacy and security requirements under applicable federal and state laws. Accordingly, we use industry leading administrative, physical and technical protections to safeguard the security, privacy, confidentiality and integrity of your Personal Information, especially your Secure Information. We will never share Secure Information with third parties without your express permission, such as when you request Content to be shared with a Trusted Party. Our Services rely on the Patented KeyCrypt™ security architecture which provides industry leading end-to-end and client level encryption.

Non-Personal Information Overview


“Non-Personal Information” does not uniquely identify you or anyone else as a specific individual, but provides technical data, including information about your use of the Services or your web browser. Non-Personal Information may include Cookie Information and Aggregate Information each of which is described in further detail below.

Aggregate Information


“Aggregate Information” is information about how you use the Services as well as some demographic information (such as age range, gender, country and state of residence).Through your use of the Services you grant LifeReady a worldwide, non-exclusive, perpetual, royalty-free, fully paid, sub licensable and transferable license to truncate, aggregate, reproduce, distribute, prepare derivative works of, store, display and transmit Aggregate Information generated in connection to your use of the Service, including for promoting or marketing the Site or the Services in any media formats and through any media channels, and including after termination of your Account or the Services. Aggregate Information can never be linked back to you, your Account or your web browser and will never include Basic Information, Secure Information or Advisor Information.

Cookie Information


“Cookie Information” is collected via cookies which enable automated recognition of your web browser and tells us how and when you visit the Site and use the Services. Cookies are stored through your web browser when you access a website and do not contain any Personal Information.

Sharing with Trusted Parties

We will share Secure Information with your Trusted Parties in accordance with your authorisation and explicit instruction, including any permissions set giving Trusted Parties conditional, temporary or restricted access to designated portions of your Secure Information. If you designate any of your Secure Information as only shareable with Trusted Parties after you are declared dead, medically unfit, incapacitated or any other trigger that LifeReady may offer as part of the Service (the “Conditional Release Sections”), thenLifeReady will only share such Conditional Release Sections according to the timing and permissions that you have explicitly provided. As part of your use of the Services, you may designate one or multiple Trusted Parties as an “Unlocker” of your Conditional Release Sections.

With your explicit permission, the “Unlocker” will be able to trigger the Conditional Release Sections through their use of the Services, and your Conditional Release Sections will be made visible to your Trusted Parties according to your authorisation and explicit instructions.

Sharing with Financial Advisors or Partner Providers


If you registered for the Services with an invitation received from a Partner Provider, we may share Usage Information with the Partner Provider, who is bound to protect the confidentiality of your Personal Information. We do not share any Secure Information with Partner Providers unless designated as a Trusted Party for the specific Secure Information you have chosen to share.

Sharing with Agents

We may share your Basic Information with certain partners or service providers we use to perform, facilitate or improve the Services (collectively, “Agents”), but only in order forLifeReady to be able to provide the Services. Features such as Social Sign In, Two FactorAuthentication and others, require some Basic Information to be shared with Agents. All ofour Agents are contractually bound to protect the confidentiality of your Basic Informationand will never have access to Secure Information.

Sharing with Acquirers

If LifeReady is involved in a merger, acquisition, sale, reorganisation, liquidation or other transfer of its assets to another entity (the “Acquirer”), you will be notified via email of change in ownership and provided any choices available with respect to your Personal Information. You will always be given the option to export and delete your Secure Information from the Services. The Acquirer will possess your Basic Information and Advisor Information but will never have access to any Secure Information stored on LifeReady as this is fully encrypted using LifeReady’s patented KeyCrypt™ security architecture. This means that in no situation, can LifeReady or an Acquirer’s employees, contractors or other associated parties, access any Secure Information users submit through the Services.

Sharing pursuant to applicable law

Other than sharing with Trusted Parties, Agents or Acquirers as described above, we can only share Basic Information, first and last name of user, primary email address (“PrimaryEmail”), gender, address and postcode, date of birth, date and time of account creation and (if applicable) deletion of your account, and Trusted Parties associated with your account on LifeReady in the circumstances described below.

Other Sharing of Information


LifeReady may share your Basic Information with a third party if we;

- believe that you have misused or abused the Services or the Personal Information of anyother user, or have attempted to interfere with or harm the Services. We will investigate and cooperate with appropriate law enforcement officials, which may include sharing your Basic Information with them in order to protect our rights or property of that or other users,Trusted Parties, Agents, and others. We will give our full co-operation in any legal process or criminal investigation into any misuse or abuse of the Services.

- are required by law to comply with a subpoena or analogous legal process or governmental request. While a subpoena or analogous legal process or governmental request may encompass Secure Information, LifeReady does not have the ability to decrypt any user’s Secure Information and will only be able to provide an encrypted copy of Content stored on your LifeReady account. All Secure Information stored on LifeReady is fully encrypted using LifeReady’s patented KeyCrypt™ security architecture meaning that, in no situation, can LifeReady employees, contractors or other associated parties access any Secure Information users submit through the Services and thus cannot comply with any requests to do so. All keys required to decrypt any Secure Information are solely held by you and your Trusted Parties.

We will notify you if we receive a request for access to your Basic Information from any governmental entity or other third party before sharing the requested information, unless we are legally prohibited from doing so. No fiduciary duty is created between you and LifeReady by using the Services. While communications are protected in accordance with this Privacy Policy, they are not protected by the doctor-patient confidentiality, attorney-client privilege, or any other fiduciary duty.

Changes to this Policy

We may amend or modify this Privacy Policy from time to time. If we make any changes inthe way we collect or use your Personal Information, we will notify you by sending an email. It is your responsibility to keep your email address information accurate and up-to-date. Your continued use of the Services following notice of such changes indicates your agreement to be bound by the changes and the new Privacy Policy.

Miscellaneous

All LifeReady Services rely on the Patented KeyCrypt™ security architecture, a specialised upload technology that encrypts Secure Information on an origin device prior to cloud storage. Users and Trusted Parties create their own unique encryption keys (“Keys”) under which Secure Information is converted into uniquely Encrypted Data (“Encrypted Data”) only accessible to the User and Trusted Parties assigned to access the Secure Information. This encrypted data can only be accessed and decrypted with the Keys protecting against breaches, government requests and future acquisitions.

KeyCrypt™ provides the highest level of user privacy as well as industry leading online data security. No security measure or safeguard is 100% effective, and LifeReady cannot guarantee absolute security of any of Your Information, including without limitation your Secure Information. By using the Services you agree that LifeReady shall not be responsible or liable for unauthorised access, hacking or other security intrusions, failure to store, theft, deletion, corruption, destruction,damage, or loss of any data or information, including without limitation.

Secure Limitation

If we discover a security incident that compromises your Secure Information, we will let you know about it in accordance with applicable law. We will send all notices and communications directly to your Primary Email address and it is your responsibility to ensure this is kept up to date. Please notify us immediately of any suspected or unauthorised use of your password or account or any other such incident.