Ever After Planning’s Terms and Conditions and Privacy Policy outline how the company provides guidance-driven planning services and how it safeguards personal information, including a clear commitment not to sell mobile opt‑in data to third parties for marketing or promotional purposes.

1. Introduction

Ever After Planning (“EAP,” “we,” “us,” or “our”) provides independent guidance and planning services designed to help you protect what matters most today and prepare for the future. These Terms and Conditions and Privacy Policy (collectively, the “Agreement”) govern your access to and use of our website, communications, and services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by this Agreement; if you do not agree, you must not use the Services.

2. Eligibility and Services

You must be at least 18 years old and able to form a binding contract to use the Services. EAP offers education, planning frameworks, and guidance to help you align insurance, healthcare, and legacy decisions with your personal goals, but does not guarantee any particular financial, legal, tax, insurance, or health outcome. You are responsible for evaluating whether any plan, recommendation, or strategy is appropriate for your situation, including consulting with licensed professionals such as attorneys, tax advisors, or licensed insurance agents as needed.

3. No Professional, Legal, or Tax Advice

Content provided through the Services is for informational and educational purposes only and is not legal, tax, investment, or medical advice. Any examples, case studies, or planning scenarios are illustrative and may not reflect your individual circumstances. You should consult qualified professionals before making decisions about estate planning, insurance coverage, healthcare choices, or financial strategies.

4. User Responsibilities

You agree to provide accurate, current, and complete information when interacting with EAP, including when booking consultations, requesting resources, or opting in to communications. You are solely responsible for maintaining the confidentiality of any communication channels you use with us and for any activity that occurs under your email address or phone number. You agree not to use the Services for any unlawful, abusive, or unauthorized purpose, and not to interfere with or disrupt the operation or security of the Services.

5. Intellectual Property

All content on the website and in related materials—including text, graphics, logos, branding, frameworks, checklists, and other materials—is owned by or licensed to EAP and is protected by copyright and other intellectual property laws. You may use the content solely for your personal, non‑commercial use in connection with evaluating or engaging EAP’s Services, and you may not reproduce, distribute, modify, or create derivative works without our prior written consent.

6. Third‑Party Products and Links

The Services may reference or link to third‑party websites, products, or services, including but not limited to insurance carriers, financial institutions, or legal resources. These references do not constitute an endorsement or guarantee of any third‑party offerings, and EAP is not responsible for the content, policies, or practices of third‑party sites or providers. You access third‑party resources at your own risk and should review their terms and privacy policies separately.

7. Disclaimers and Limitation of Liability

The Services and all related content are provided on an “as is” and “as available” basis, without any warranties of any kind, whether express or implied. EAP does not warrant that the Services will be uninterrupted, error‑free, or free of vulnerabilities, or that any outcome (including insurance approvals, claims outcomes, tax results, or legal results) will occur. To the maximum extent permitted by law, EAP and its owners, contractors, and affiliates are not liable for any indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the Services.

8. Indemnification

You agree to indemnify, defend, and hold harmless EAP and its owners, employees, contractors, and affiliates from and against any claims, liabilities, damages, judgments, losses, and expenses (including reasonable attorney’s fees) arising out of or related to your use of the Services, your violation of this Agreement, or your reliance on any information or materials provided.

9. Changes to the Services and this Agreement

EAP may update, modify, or discontinue any aspect of the Services at any time, and may revise this Agreement from time to time. When we make material changes, we will update the effective date and may provide additional notice as appropriate; your continued use of the Services after changes become effective constitutes your acceptance of the revised Agreement.

10. Contact Information

If you have questions about these Terms and Conditions or the Privacy Policy, or wish to exercise your privacy rights, you may contact EAP using the contact details provided on the website.

11. Information We Collect

EAP may collect information that you choose to provide directly, such as:

Contact information (for example, your name, email address, phone number, and city or state).

Planning‑related information you choose to share in forms, questionnaires, or consultations (for example, family situation, coverage concerns, or planning goals).

Communication preferences, including your email and SMS subscription choices and consent records.

We may also collect certain information automatically when you use the website, such as device and browser information, general location (based on IP address), and usage data like pages visited, time on page, and referring URLs.

12. How We Use Your Information

We use your information to:

Provide and personalize Services, including planning conversations and follow‑up resources aligned with your goals and circumstances.

Communicate with you about consultations, follow‑up materials, reminders, and updates you have requested or that relate to the Services.

Send educational content, planning tips, and marketing communications, subject to your preferences and any consent requirements.

Improve our Services, website performance, and user experience through analytics and operational monitoring.

Maintain security, detect fraud or misuse, and comply with legal obligations.

13. Legal Bases for Processing (Where Applicable)

Where required by applicable law, we process personal information based on one or more of the following legal bases:

Your consent (for example, where you opt in to receive SMS messages or marketing emails).

Performance of a contract or steps taken at your request prior to entering into a contract (for example, when you schedule or attend a planning session).

Compliance with legal obligations (for example, recordkeeping or responding to lawful requests).

Our legitimate interests, such as improving the Services, ensuring security, and communicating with you about relevant offerings in a way that respects your rights and expectations.

14. How We Share Information

We may share your information with:

Service providers who perform services on our behalf, such as website hosting, email and SMS delivery, customer communication tools, and analytics.

Professional partners or trusted collaborators, when needed to deliver planning‑related services or resources you request (for example, introductions to licensed professionals), subject to appropriate safeguards and only as permitted by law and your preferences.

Authorities or other parties when required by law, legal process, or to protect our rights, safety, or property, or that of others.

We may use de‑identified or aggregated information that does not reasonably identify you for analytics, research, or to improve our planning frameworks and educational content.

15. Mobile Communications and SMS

If you provide your mobile number and opt in, you may receive SMS or text messages related to appointments, reminders, educational content, or promotional messages. You can opt out of SMS communications at any time by replying STOP (or as otherwise instructed in the message), though you may still receive important transactional messages where permitted by law.

EAP does not sell mobile opt‑in data to third party entities for marketing or promotional purposes. This includes any mobile numbers, consent records, or engagement data collected in connection with SMS or other mobile‑based programs.

16. Data Sales and Targeted Advertising

EAP does not sell your personal information for money. We may use service providers and certain marketing or analytics tools that help us understand how people use our website and communications, or that deliver content based on general interests; these activities are carried out in accordance with applicable privacy laws and contractual safeguards. You may have the right under certain privacy laws to opt out of specific types of data sharing for targeted advertising, and we will honor such rights where applicable.

17. Cookies and Similar Technologies

Our website may use cookies and similar technologies to remember your preferences, understand how you interact with our content, and improve site performance. You can adjust your browser settings to refuse or limit cookies, but some features of the website may not function properly if you do so.

18. Data Security

We implement administrative, technical, and physical safeguards intended to protect personal information against unauthorized access, loss, misuse, or alteration. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security. You are responsible for using secure devices and networks when interacting with our Services.

19. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Policy, including providing Services, complying with legal obligations, resolving disputes, and enforcing our agreements. We may retain anonymized or aggregated information that does not identify you for longer periods for analytics and planning purposes.

20. Your Privacy Rights

Depending on where you live, you may have certain rights regarding your personal information, which can include:

Accessing and obtaining a copy of personal information we hold about you.

Requesting correction of inaccurate or incomplete personal information.

Requesting deletion of personal information, subject to legal and operational limitations.

Objecting to or restricting certain processing, including direct marketing in some cases.

Withdrawing consent where processing is based on consent, without affecting the lawfulness of processing before withdrawal.

To exercise these rights, please contact us using the information on the website, and we will respond in accordance with applicable law.

21. Children’s Privacy

The Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13 without appropriate consent, we will take steps to delete such information as required by law.

22. Geographic Scope

EAP is based in the United States, and information provided through the Services may be processed in the United States or other locations where our service providers operate. By using the Services, you understand that your information may be transferred to and processed in jurisdictions that may have different data protection laws than your country of residence.

23. Governing Law and Disputes

This Agreement and any dispute arising out of or relating to your use of the Services will be governed by and construed in accordance with the laws of the state in which EAP is primarily located, without regard to conflict‑of‑law principles. Any disputes will be resolved in the state or federal courts located in that jurisdiction, and you consent to the personal jurisdiction of such courts.

24. Updates to This Policy

We may update these Terms and Conditions and this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or Services. The “last updated” date will be revised accordingly, and your continued use of the Services after any update indicates your acceptance of the revised Policy.