Privacy Policy

1 Who We Are

MyLifeGamePlan.com is a financial preparedness and life insurance planning platform operated by Omega One Insurance Group, a licensed insurance agency located in Cleveland, Tennessee. The primary contact for privacy matters is:

Steven Shelton
2625 Ralph Buckner Blvd, Suite A
Cleveland, TN 37311
Email: steven@clevelandins.com

2 Information We Collect

We collect information in two ways: information you provide directly and information collected automatically.

Information You Provide Directly

When you use our Game Plan Builder, contact forms, or other interactive tools, you may provide:

• Contact information — your first and last name, email address, and phone number
• Financial information — monthly household expenses, income figures, existing insurance coverage amounts, debt balances, mortgage payoff amounts, and retirement savings estimates
• Personal details — your age, spouse or partner's age, number of dependents, and age of children
• Preferences — your preferred time to be contacted and whether a spouse or partner should be included in a consultation

Information Collected Automatically

When you visit our website, we and our service providers may automatically collect:

• Usage data — pages visited, time spent on pages, links clicked, and referring URLs
• Device and browser information — IP address, browser type and version, operating system, and device type
• Cookies and similar technologies — small files placed on your device to remember your preferences and understand how you use our site (see Section 6 for more details)

3 How We Use Your Information

We use the information we collect for the following purposes:

• To deliver our services — to calculate and display personalized financial projections and life insurance coverage estimates through our planning tools
• To contact you — to follow up on submitted Game Plans, respond to contact form inquiries, and schedule consultations as requested
• To improve our website and tools — to understand how visitors use our site and to enhance the accuracy and usefulness of our calculators
• To comply with legal obligations — to maintain records as required by applicable insurance regulations and Tennessee state law
• To send relevant communications — with your consent, to send educational content, planning reminders, or product information that may be relevant to your financial goals

We do not use your financial inputs in our calculators to make underwriting decisions. All calculator outputs are estimates for educational purposes only.

4 How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

With Licensed Insurance Professionals

When you submit a completed Game Plan and request to be contacted, your name, contact information, calculated coverage need, and coverage term are shared with licensed insurance professionals at Omega One Insurance Group for the purpose of providing you with a personalized insurance consultation.

With Service Providers

We work with third-party vendors who help us operate our website and deliver our services (such as our website platform provider, email delivery services, and analytics providers). These service providers are contractually obligated to use your data only for the purposes we specify and to protect it appropriately.

For Legal Compliance

We may disclose your information if required to do so by law, court order, or regulatory authority, or if we believe in good faith that disclosure is necessary to protect the rights, property, or safety of our business, our users, or the public.

Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our business assets, your information may be transferred as part of that transaction. We will notify you by email or prominent notice on our website if such a transfer occurs.

5 Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including providing services to you, complying with our legal obligations, resolving disputes, and enforcing our agreements. Contact information and Game Plan submissions are typically retained for up to five (5) years in accordance with standard insurance industry recordkeeping practices.

Financial inputs entered into our calculator tools are not retained on our servers after your session ends, unless you choose to submit the Game Plan form.

6 Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies. Cookies are small text files stored on your device that help us recognize you and understand how you interact with our site.

We use the following types of cookies:

• Essential cookies — required for the website to function properly; these cannot be disabled
• Analytics cookies — help us understand visitor behavior in aggregate (e.g., which tools are used most frequently) so we can improve our services
• Preference cookies — remember your settings and preferences to improve your experience on return visits

Most browsers allow you to refuse or delete cookies through your browser settings. Disabling cookies may affect the functionality of certain features on our website.

7 Security

We implement reasonable administrative, technical, and physical safeguards to protect the personal information you share with us. Our website is served over HTTPS (encrypted connection) to protect data in transit.

However, no method of transmission over the internet or method of electronic storage is completely secure. While we strive to protect your personal information, we cannot guarantee its absolute security. You share information with us at your own risk.

If you believe your information has been compromised or if you discover a security vulnerability on our site, please contact us immediately at steven@clevelandins.com.

8 Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access — you may request a copy of the personal information we hold about you
• Correction — you may request that we correct inaccurate or incomplete information
• Deletion — you may request that we delete your personal information, subject to our legal obligations to retain certain records
• Opt-out of communications — you may opt out of receiving marketing or promotional communications from us at any time by clicking the unsubscribe link in any email or by contacting us directly
• Data portability — you may request a copy of your information in a structured, commonly used format

To exercise any of these rights, please contact us using the information in Section 10 below. We will respond to all verifiable requests within 30 days.

9 Children's Privacy

Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately and we will take steps to delete such information from our records.

10 Third-Party Links

Our website contains links to third-party websites, including but not limited to the Social Security Administration (ssa.gov). This Privacy Policy applies only to MyLifeGamePlan.com. We are not responsible for the privacy practices of any third-party sites and encourage you to review the privacy policies of any external sites you visit.

11 Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of MyLifeGamePlan.com after any changes constitutes your acceptance of the updated policy.

12 Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us: