Privacy Policy

ASSET PLANET – TERMS OF USE & PRIVACY POLICY

(Effective October 2, 2025)

Table of Contents

  1. Introduction & Acceptance of Terms
  2. Scope of License & Intellectual Property
  3. Artificial Intelligence & Machine Learning
  4. User Content, Data Input & Accuracy
  5. Data Storage, Security & Backups
    • 5.1 Securing Access at Login (2FA, OTP & Tokenization)
    • 5.2 Serverless Architecture & Access Controls
    • 5.3 Internal Access to Customer Data
  6. Sharing &Collaboration Controls
  7. Third-Party Financial Connections & Banking Integrations
  8. Cookies, Tracking & Messaging
  9. Fees, Payments & Refunds
  10. Acceptable Use & Prohibited Conduct
  11. Termination, Changes & Updates
  12. Disclaimer of Warranties
  13. Limitation of Liability & Indemnification
  14. Dispute Resolution & Governing Law
  15. Privacy Practices (Collection, Use & Disclosure of Information)
  16. Location-Based Services (LBS)
  17. Opt-Out & User Rights
  18. Children’s Privacy
  19. California & U.S. Legal Notices
  20. Contact Information
  21. Marketing, Testimonials & Owned Comparisons
  22. Music Licensing (ASCAP) & Media Use
  23. Third-Party Referrals & Wellness Resources
  24. Data Retention and Deletion After Subscription Termination
  1. Introduction & Acceptance of Terms

We value long-term relationships, clear disclosures, and user choice. Our mission is to help “Everyone Everywhere Who Earns an Income, Pays a Bill, or Dreams of a Better Tomorrow,” and our privacy practices are designed to reflect those principles.

By downloading, installing, accessing, or using Asset Planet’s mobile applications (“Apps”) or web-based applications (“WBA”) (collectively the “Services”), you agree to be bound by this combined Terms of Use & Privacy Policy. If you do not agree, you may not use the Services.

  1. Scope of License & Intellectual Property

You receive a personal, revocable, non-transferable, non-exclusive license to use the Services on devices you own/control. The Services and all content are licensed, not sold, and remain the property of Asset Planet Inc. and its licensors. You may not modify, reverse engineer, or create derivative works from the Services. All trademarks, logos, and slogans—including the name “Asset Planet” and slogans such as “Starting Today, Change Your Tomorrow,” “Improving the financial journey for everyone, everywhere,” “Debt Crusher,” and “Turns Dreams Into Goals”—remain proprietary.

  1. Artificial Intelligence & Machine Learning

Asset Planet uses AI/LLM models to provide features such as planning suggestions, document analysis, data summarization, and financial insights. AI outputs are informational only and not financial, legal, tax, or investment advice. Data you provide may be used (in anonymized or aggregated form) to operate and improve our Services and train AI models. Users may not intentionally use Asset Planet’s proprietary names, marks, or slogans to train outside AI systems. AI results may be incomplete, inaccurate, or unsuitable for personal circumstances.

  1. User Content, Data Input & Accuracy

Data you enter is your responsibility. Asset Planet cannot guarantee accuracy of user-inputted financial or other data. Mathematical formulas are designed for accuracy but are not guaranteed error-free. No compensation is offered for inaccuracies due to user input or formula errors.

User-Posted Media. Some sites and apps in our network allow you to post images, audio, or video. You are responsible for the content you post and for obtaining any necessary rights or permissions. Re-use or re-posting of content found on our properties is prohibited without our written consent and, if applicable, the consent of the original poster.

  1. Data Storage, Security & Backups

Asset Planet uses third-party providers (e.g., AWS, Google, Microsoft) for secure storage and multi-region backups. While we take precautions (encryption, limited Super Administrator access, audit of elevated privileges), no system is 100% secure. Users can download or export their data locally. Once exported, Asset Planet is not responsible for external access or breaches. Offsite backups may be encrypted and stored offline; execution of these contingency plans may change over time.

5.1 Securing Access at Login (2FA, OTP & Tokenization)

We require two-factor authentication for every login. After you submit your username and password, we send a One-Time Passcode (OTP) via a secured tokenized API. The token used to deliver the OTP is not stored in our database. For added protection, we validate the login context (e.g., account credentials, device signals, and location indicators) before allowing any read/write of data.

5.2 Serverless Architecture & Access Controls

We use a serverless architecture on providers such as AWS and apply strict controls (MFA for cloud access, least-privilege roles, permission boundaries, and allow-listed admin endpoints). These controls materially reduce our attack surface; however, no system can be guaranteed 100% secure.

5.3 Internal Access to Customer Data

Internal access to customer content is tightly restricted. Other than limited profile data needed for operations (e.g., confirmations, emergency account restrictions), our policies and controls prevent employees/administrators from accessing your account content.

  1. Sharing & Collaboration Controls

Users can share data/reports with others. Shared content becomes visible to chosen recipients. You can revoke sharing permissions at any time via in-app/WBA controls, but Asset Planet cannot retract data once recipients have copied or downloaded it. Asset Planet is not responsible for recipients’ use of shared data.

  1. Third-Party Financial Connections & Banking Integrations

You may connect accounts (bank, credit, investment) via partners like Plaid, MX. Secure tokens—not credentials—are used where available. Third-party terms govern these integrations; Asset Planet is not liable for outages or errors in their APIs.

Calendar/Contacts/Notes Integrations. To provide scheduling, contact management, and cross-platform note capabilities, you may connect services such as Google Calendar, Google Contacts, and Google Notes. If enabled, we process the minimum data necessary to sync events, manage contacts, and support collaboration, subject to your permissions and the third party’s terms.

  1. Cookies, Tracking & Messaging

We use cookies, pixels, and similar technologies to enhance user experience, measure engagement, and deliver offers. Strictly necessary cookies apply automatically; others require opt-in. Push notifications, SMS, and email alerts may be sent; you can manage preferences in-app or in your device settings.

  1. Fees, Payments & Refunds

Services may be free or subscription-based. Yearly/monthly subscriptions are non-refundable unless stated otherwise in a promotion. Promotions (e.g., Founders Club) have their own cancellation terms. If you sign up for the Services under any special promotion or limited-time offer, your subscription is subject to any specific cancellation or early termination penalties detailed in the promotional materials. The continued benefit derived from any promotional offer is contingent upon maintaining a continuous and congruent paid subscription. Any termination, cancellation, or service pause initiated by you during the commitment period of the promotional offer will immediately void the benefit resulting from that original commitment. Notwithstanding any other provision, “Founders Club” members (whether designated as Consumer or Professional) are excluded from this provision and will be governed by the specific termination and cancellation terms agreed upon in their original “Founders Club” membership agreement.

  1. Acceptable Use & Prohibited Conduct

You may not engage in illegal, fraudulent, or harmful activity. You may not interfere with the Services’ integrity or access unauthorized systems. You may not upload unlawful, harmful, or defamatory content. You may not misrepresent your identity or affiliation.

  1. Termination, Changes & Updates

Asset Planet may suspend, modify, or discontinue the Services at any time. We may revise this Agreement; continued use means acceptance of updates. Important notices (security, policy) may still be sent even if you opt out of marketing messages.

  1. Disclaimer of Warranties

The Services are provided “AS-IS” and “AS-AVAILABLE”. We disclaim all warranties, including merchantability, fitness for a particular purpose, accuracy, or uninterrupted service.

  1. Limitation of Liability & Indemnification

Asset Planet is not liable for indirect, incidental, or consequential damages. Liability is limited to the total fees paid by you in the 30 days before a claim. You agree to indemnify Asset Planet against claims from your misuse of the Services.

  1. Dispute Resolution & Governing Law

All disputes will be resolved by binding arbitration under the Federal Arbitration Act and AAA rules. This agreement is governed by California law; venue is Los Angeles County, CA.

  1. Privacy Practices (Collection, Use & Disclosure of Information)

We collect details you provide (name, email, billing info) and automatically collect device/usage data. We do not sell user data to 3rd parties. Ads may appear in-platform; users can choose whether to engage with third-party offers. We may disclose info if required by law, court order, or to protect legal rights and security.

Legal Compliance & Enforcement.
We may collect, use, and disclose Personal Data as reasonably necessary to investigate, prevent, or address suspected illegal or prohibited activities, enforce our agreements, protect the rights, property, or safety of Asset Planet, our users, or others, respond to third-party claims or legal demands, and comply with applicable laws, regulations, court orders, or other legal processes.

Aliasing/Tokenization. We use tokenization (“aliasing”) to segregate sensitive identifiers from application data. Tokens stand in for sensitive values and are handled by secured services; the underlying sensitive data is not stored within our application database.

  1. Location-Based Services (LBS)

LBS is off by default. If you enable it, we use GPS/cell ID to provide tailored content or suggestions. You remain responsible for safe use (e.g., no navigation while driving).

  1. Opt-Out & User Rights

You can update/correct personal data, unsubscribe from marketing, or disable your account by in-app settings or emailing

[email protected]. For SMS, reply

STOP to opt out of texts. Legal opt-out requests may take up to 30 days.

  1. Children’s Privacy

Services are not intended for children under 16 without parental consent. Parents control household sharing features. We do not knowingly collect or sell data from minors.

  1. California & U.S. Legal Notices

California Civil Code §1798: We do not knowingly share personal info with 3rd parties for their direct marketing without opt-in.

Do Not Track: Our Services do not currently respond to browser DNT signals.

Bankruptcy/merger: Data may transfer in reorganization or sale events.

  1. Contact Information

Questions or concerns? Email

[email protected] or visit https://assetplanet.com/privacy.

  1. Marketing, Testimonials & Owned Comparisons

21.1 Advertising & Promotions. From time-to-time we may run promotions or present product comparisons, including on sites we operate. Where we own or have a financial interest in a featured property, we disclose that relationship.

21.2 Testimonials & Representative Personas. Testimonials may use a representative name and/or image to protect privacy while accurately conveying real user feedback. We do not publish fabricated claims.

  1. Music Licensing (ASCAP) & Media Use

22.1 Licensed Music on Memorial Sites. On properties such as LegacyWall.com and MyLegacyWall.com, certain music may be played under our ASCAP license.

22.2 No Unauthorized Re-Use. Content (audio, images, text) appearing on our properties may not be copied or re-used without our express consent and, as applicable, the content poster’s consent.

  1. Third-Party Referrals & Wellness Resources

23.1 Referrals. We may refer you to third-party providers and may receive compensation for referrals. Such referrals do not make us a provider of those services, and we are not responsible for third-party outcomes.

23.2 Emotional-Support Resources. Some solutions may surface sensitive topics. We do not provide counseling; where appropriate we may link to external support resources. If you feel overwhelmed, please seek qualified professional support.

  1. 24. Data Retention and Deletion After Subscription Termination

Upon termination, cancellation, or non-renewal of your paid subscription, your access to the Services and your account will be disabled. We will retain any data, records, and content you have provided or generated through the Services (“User Data”) for up to one hundred twenty (120) days following the effective date of termination (“Retention Period”) to allow you an opportunity to export or request deletion of such User Data.

During the Retention Period, you may request immediate deletion of your User Data at any time by selecting the “Delete My Data” option available in the subscription cancellation screen or by contacting us as described in our Privacy Policy. Upon receiving such a request, we will delete or anonymize your User Data within a commercially reasonable time, except where we are required to retain certain information to comply with applicable law, enforce our agreements, resolve disputes, or maintain appropriate business and financial records.

After the Retention Period, any remaining User Data will be permanently deleted or anonymized, and we will have no obligation to recover or provide copies of your User Data.