Privacy Policy

This policy explains what personal information VeraLife.ai collects, why, who helps us handle it, how long we keep it and the choices you have.

1. The short version

We collect what you choose to give us on our waitlist, quote, quiz, calculator and contact forms.
We use it to answer you, prepare illustrative estimates, connect you with a licensed agent if you ask, and tell you when the app launches.
We do not sell your personal information, and we honour Global Privacy Control.
Chats with the AI assistant are not stored by our server. Please don't type personal details into the chat.
You can ask to know, correct or delete your information through our contact form at /contact.

2. Who we are

VeraLife.ai ("we", "us") is an AI personal wealth management and financial education website. We decide how the personal information described here is used. The site is built and hosted on VeraGen.ai Hub, a platform by Rendered Source, which handles data for us as a service provider.

This policy covers the VeraLife.ai website. The VeraLife.ai app, planned for January 1, 2027, may have additional privacy terms, which we'll publish before it launches.

3. How your data actually flows

In plain words, here is where what you type actually goes:

Forms and quote requests (waitlist, contact, request a quote, and similar forms) send what you type to the VeraLife.ai team's CRM, so a real person can see it and follow up if needed.
Ask VeraLife, our AI assistant, sends your question to an AI service so it can generate an answer. Your conversation is kept in your browser's session storage, not on our server.
Triangle Talk and the Wealth Strategy Score run entirely in your browser. Your answers stay on your device and are never sent anywhere unless you choose to send them to us, for example by joining the waitlist with your score attached.
No ad tracking. We do not use advertising cookies, ad pixels or cross-site tracking of any kind on this site.

4. What we collect

Information you give us

When you join the waitlist, request a quote, take a quiz, use a calculator or contact us, you may give us:

name and email address;
phone number (optional);
age or date of birth, gender and state;
health class (for example, a self-described general health rating used to estimate rates);
coverage amount and term you're interested in;
your quiz and calculator answers, such as goals, income ranges or savings habits;
anything you write in a message to us.

Some of this, such as health class, may be treated as sensitive personal information under some state laws. We use it only to give you the estimate or service you asked for. Please share only what you are comfortable sharing.

Information collected automatically

Technical data needed to deliver and protect the site, such as IP address, browser type, device type, pages requested and time of request, kept in server and security logs.
Essential cookies and session storage, described in our Cookie Policy.

We do not use advertising cookies or cross-site tracking, and we do not run ad tracking of any kind. We may add privacy-friendly analytics later; if we do, we'll update this policy and the Cookie Policy, and your cookie choices will apply.

5. How we use it

To respond to your messages and requests.
To prepare illustrative quotes, scores and calculator results.
To connect you with a licensed insurance agent, only when you ask us to.
To keep you on the waitlist and tell you about the app launch and related updates. You can unsubscribe at any time.
To run, secure and improve the site, prevent fraud and abuse, and fix problems.
To meet legal obligations and enforce our Terms of Service.

We do not use your form answers to make decisions that have legal or similarly significant effects on you. Any insurance decision is made by an insurer through its own underwriting.

6. The AI assistant and your data

The VeraLife.ai assistant (Ask VeraLife) is a VeraGen.ai Tellagent chatbot that answers questions from VeraLife.ai's own content.

Not stored by our server. Your conversation is kept in your browser's session storage only, and is cleared when you close the tab or browser session.
Sent to an AI service to answer you. To produce an answer, your question is sent through VeraGen.ai Hub to an AI model provider, which processes it and returns a response.
Don't share personal details. Please don't type your name, contact details, account numbers, Social Security number, health details or other personal information into the chat.
Answers can be wrong. The assistant gives general education, not advice. See our Disclosures.

We share personal information only as needed to run the site and serve you:

VeraGen.ai Hub (Rendered Source) builds and hosts the site and runs its forms. Form submissions, including waitlist and quote requests, are stored in the VeraLife.ai team's Thrive CRM on our behalf.
Amazon Web Services (AWS) provides the cloud hosting, storage and infrastructure behind VeraGen.ai Hub, in the United States.
AI model providers used by VeraGen.ai Hub process Ask VeraLife questions to generate answers.
Compulife (later), a third-party quoting service, may provide live quotes. If a live quote opens on Compulife's site, the details you enter there are covered by its own privacy policy.
Licensed insurance agents, only when you ask to be connected with one. They handle your information under their own obligations and policies.
Legal and safety: when required by law, or to protect rights, safety and the security of the site.
Business changes: if VeraLife.ai is involved in a merger, acquisition or sale of assets, under this policy's protections.

Our service providers may use personal information only to provide services to us, under contract. We do not run ad tracking and do not share your information with ad networks.

8. We don't sell personal information

We do not sell personal information, and we do not share it for cross-context behavioural advertising (targeted ads). We run no ad tracking on this site. We have not sold or shared data in the past 12 months. We honour Global Privacy Control signals as a request to opt out of sale and sharing. See Do Not Sell or Share My Personal Information.

9. Cookies and session storage

We use only essential cookies and browser session storage, needed to make the site, Ask VeraLife, Triangle Talk and the Wealth Strategy Score work. There is no ad tracking. Details are in our Cookie Policy.

10. Your privacy rights

Depending on where you live, you may have the right to:

Know and access the personal information we hold about you, and get a copy in a portable format;
Correct information that is inaccurate;
Delete your personal information;
Opt out of the sale or sharing of personal information, targeted advertising and certain profiling (we don't do these, but you can still ask);
Limit the use of sensitive personal information, or withdraw consent where we rely on it;
Appeal if we decline your request.

We will not discriminate against you for using these rights. You can unsubscribe from our emails at any time with the link in each email.

11. California residents

Under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA), California residents have the right to know what personal information we collect, use and disclose; the right to delete; the right to correct; the right to opt out of sale or sharing; the right to limit use of sensitive personal information; and the right not to be discriminated against for using these rights.

In the past 12 months we have collected these categories: identifiers (such as name, email and phone); characteristics of protected classifications (such as age and gender); sensitive personal information (such as self-described health class); commercial information (such as coverage interests); internet and network activity (such as technical logs); and inferences (such as a Wealth Strategy Score). We collect them from you and your device, for the purposes in section 5, and disclose them to the service providers in section 7. We do not sell or share them, we run no ad tracking, and we use sensitive personal information only for the purposes the law permits.

We honour Global Privacy Control (GPC). If your browser sends a GPC signal, we treat it as a valid request to opt out of sale and sharing for that browser.

You may use an authorised agent to make a request for you. We may ask the agent for proof of authority and ask you to confirm your identity.

12. Other US states

Residents of states with consumer privacy laws, including Virginia, Colorado, Connecticut, Utah and Texas, and other states with similar laws, may have rights to confirm whether we process their personal data, access it, correct it, delete it, get a portable copy, and opt out of targeted advertising, sale and certain profiling. Where the law requires, we ask for consent before processing sensitive data. Colorado and Connecticut residents may use a universal opt-out signal such as Global Privacy Control, and we honour it.

If we decline your request, you can appeal by replying to our decision or by using our contact form at /contact with the topic "Privacy appeal". We'll respond within the time the law requires. If you're not satisfied, you may contact your state attorney general.

13. How to make a request

Use our contact form at /contact and choose or write the topic "Privacy request".
Tell us what you'd like: to know, access, correct, delete or opt out, and the state you live in.
Use the same email address you gave us, so we can find your records.

To protect you, we verify requests by confirming details we already hold, usually by email. We respond within 45 days, or as the applicable law requires, and will tell you if we need more time.

14. How long we keep data

Waitlist entries: until the app launches and for a reasonable time after, or until you unsubscribe or ask us to delete them.
Quote requests, quiz and calculator answers: for up to 24 months after your last contact with us, unless you ask us to delete them sooner.
Contact form messages: for as long as needed to deal with your message, and up to 24 months after.
Privacy requests: records of requests and our responses for 24 months, as the law requires.
Server and security logs: for a short period, typically up to 90 days.
Ask VeraLife chat: not stored by our server; held in your browser session until it ends.
Triangle Talk and Wealth Strategy Score answers: stay in your browser and are never stored by us unless you choose to send them, for example with a waitlist submission.
Backups: deleted data may remain in encrypted backups for a limited time until they are overwritten.

We may keep information longer if the law requires it or to resolve disputes.

15. Security

We use reasonable safeguards to protect personal information, including encryption in transit and at rest on VeraGen.ai Hub's AWS hosting, access limited to people who need it, and monitoring for misuse. No system is perfectly secure, so we can't guarantee absolute security. If a breach affects your information, we'll notify you as the law requires.

16. Children

The site is not for anyone under 18. We do not knowingly collect personal information from anyone under 18. If you believe a minor has given us personal information, tell us through our contact form at /contact and we'll delete it.

17. Changes to this policy

We may update this policy, for example when the app launches or if we add analytics or live quotes. We'll change the date at the bottom of this page and, for important changes, post a notice on the site or tell waitlist members before the change takes effect.

18. Contact

Questions or requests about privacy? Use our contact form at /contact with the topic "Privacy request".

Draft, pending legal review. Last updated November 10, 2026.