**Last Updated: December 23, 2025**
1. Introduction
Life Events Insurance Helper ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ("App"). By using the App, you agree to the collection and use of information in accordance with this policy.
2. Information We Collect
2.1 Information You Provide
- **Account Information**: When you make in-app purchases, Apple collects your payment information (processed securely by Apple)
- **User Preferences**: Your selected country, theme preferences, and app settings
- **Support Communications**: Any information you provide when contacting support
2.2 Information Collected Automatically
Device Information
- Device type, model, and operating system version
- Unique device identifiers (not linked to your identity)
- App version and installation details
Usage Information
- App usage statistics and feature interactions
- Crash reports and performance data
- Time spent in the app and screen views
Location Information
- Your selected country preference (stored locally on your device)
- No GPS or precise location data is collected
2.3 Advertising Identifiers (IDFA)
For users who have not purchased ad removal:
- Apple's Identifier for Advertisers (IDFA) for personalized advertising
- Collected by Google AdMob for ad targeting and measurement
2.4 Third-Party Services
- **Apple App Store**: Handles in-app purchases and payment processing
- **Google AdMob **: Provides advertisements and collects advertising data
- **Firebase/Crashlytics**: Collects crash reports and app performance data
3. How We Use Your Information
3.1 Provide App Services
- Deliver personalized insurance information based on your country selection
- Process in-app purchases and subscriptions
- Provide customer support and respond to inquiries
3.2 Improve App Functionality
- Analyze usage patterns to improve app performance
- Fix bugs and technical issues
- Develop new features and content
3.3 Advertising and Analytics
- Display relevant advertisements (for non-subscribers)
- Measure ad performance and effectiveness
- Generate anonymized usage statistics
3.4 Legal Compliance
- Comply with applicable laws and regulations
- Prevent fraud and abuse
- Protect our rights and the rights of other users
4. Information Sharing and Disclosure
4.1 We Do Not Sell Your Personal Information
We do not sell, trade, or rent your personal information to third parties for their marketing purposes.
4.2 Service Providers
We may share information with trusted third-party service providers who assist us in:
- Processing payments (Apple)
- Serving advertisements (Google AdMob)
- Analyzing app usage (Firebase)
- Providing customer support
These providers are contractually obligated to protect your information and may only use it for the purposes specified by us.
4.3 Legal Requirements
We may disclose information if required by law, legal process, or government request, or to:
- Protect our rights, property, or safety
- Prevent fraud or security issues
- Comply with legal obligations
4.4 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.
5. Data Retention
- **Payment Information**: Handled and retained by Apple according to their privacy policy
- **Usage Data**: Retained for up to 2 years for analytics and improvement purposes
- **Support Communications**: Retained as long as necessary to resolve your inquiry
- **Device Information**: Retained while you use the app and deleted when you uninstall
6. Advertising and Ad Tracking
6.1 Ad Personalization
For users without an active subscription:
- We use Apple's IDFA to serve personalized advertisements
- Ads are provided by Google AdMob and other advertising networks
- You can opt out of personalized advertising in your device settings
6.2 Ad Removal
- Purchasing a subscription removes all advertisements
- Subscription status is verified locally on your device
- No advertising data is collected from subscribers
6.3 Opt-Out Options
- **iOS Settings**: Go to Settings → Privacy → Tracking → Limit Ad Tracking
- **App Subscription**: Purchase ad removal to stop all ad tracking
- **Uninstall**: Remove the app to stop all data collection
7. Your Rights and Choices
7.1 Access and Control
- **View Data**: Access the information we have about you by contacting support
- **Correct Data**: Request correction of inaccurate information
- **Delete Data**: Request deletion of your data (subject to legal requirements)
- **Data Portability**: Request a copy of your data in a portable format
7.2 Advertising Choices
- **Limit Ad Tracking**: Enable "Limit Ad Tracking" in iOS Settings
- **Reset Advertising Identifier**: Reset your IDFA in iOS Settings
- **Remove Ads**: Purchase a subscription to eliminate all advertising
7.3 App Permissions
- **Notifications**: Control in iOS Settings → Notifications
- **Location**: We don't collect location data, only your country preference
8. Children's Privacy
The App is not intended for children under 13 years of age. 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.
9. Data Security
We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure.
10. International Data Transfers
Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information during such transfers.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by:
- Posting the new Privacy Policy within the App
- Updating the "Last Updated" date at the top of this policy
Your continued use of the App after changes become effective constitutes acceptance of the updated policy.
12. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
**Email**: Alielhor78@icloud.com
**App Support**: Available through Settings → Privacy & Legal → Support & Help
Response Time: Within 10 days
13. California Privacy Rights
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:
- The right to know what personal information we collect
- The right to delete your personal information
- The right to opt out of the sale of your personal information
- The right to non-discrimination for exercising your CCPA rights
14. Governing Law
This Privacy Policy shall be governed by and construed in accordance with the laws of [Your Country/State], without regard to its conflict of law provisions.
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**By using Life Events Insurance Helper, you acknowledge that you have read and understood this Privacy Policy.**
*Last Updated: December 23, 2025*