Privacy Policy

Introduction

Welcome to our Privacy Policy for our website, https://lifeworksadvisors.com, and its related domains, software, social media channels, mobile application, services, information, web postings, products and tools (collectively, “Website”) of Lifeworks, (“Lifeworks” or “we” or “us”) in the United States.

We respect your privacy and are committed to protecting your personal data. This Privacy Policy will inform you as to how we look after your personal data when you visit our Website (regardless of where you visit it from) and tell you about your privacy rights.

By using our Website, you consent to the data practices described in this Privacy Policy and you agree to the Website Terms of Use as if fully incorporated herein. If you do not agree with the data practices described in this Privacy Policy, you should not use our Website.

1. Important Information and Who We Are

At Lifeworks, our unique approach begins with your family’s values and vision, helping you to connect your financial assets—your life’s work—with what is most important to you. We believe that each client needs to have a well-documented strategic plan that serves as a roadmap for how they can live the life they want. We also believe in a simplified and transparent fee structure to get you there: No commissions. No hidden fees. No trading fees or account fees.

Purpose of this Privacy Policy

This Privacy Policy aims to give you information on how we collect and process your personal data through your use of this Website, including any data you may provide through this Website when you sign up to receive more information about Lifeworks or become a Client of Lifeworks.

This Website is not intended for children and we do not knowingly collect data relating to children consistent with the U.S. Children’s Online Privacy Protection Act. If we learn that we have received information directly from a child under age 18 without the parent or legal guardian’s verified consent, we will use that information only to respond to the child/parent/guardian to inform the child that he or she may not use the Website.

It is important that you read this Privacy Policy together with any other Privacy Policy or fair processing notice we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This Privacy Policy supplements the other policies and is not intended to override them.

Lifeworks Contact Information

Privacy Officer: Kurt Van Dyken

Email address: support@lifeworksadvisors.com

Postal address: 4095 Park East Court, Suite C Grand Rapids, MI 49546

Changes to this Privacy Policy and Your Duty to Notify Us of Changes

We will notify you of any changes to this Privacy Policy by posting the changes to the Lifeworks Website. We may also notify you of changes to this Privacy Policy in our communications with our Clients or on our social media channels. If you have concerns about whether the Privacy Policy has changed, please Contact Us. It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

Third-Party Links

This Website may include links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our Website, we encourage you to read the Privacy Policy of every website you visit.

2. The Data We Collect About You

Personal data, or personal information, means any information about an individual from which that person can be identified.

A. The data we or our service providers collect, use, store, and transfer from Users prior to becoming a Client includes:

Identity Data includes first name and last name.
Contact Data includes billing address, delivery address, email address, and telephone numbers.
Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this Website.
Usage Data includes information about how you use our Website, products, and services.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

B. In addition to the fields above, we also collect the following data in connection with providing services to you as a prospective Client, a Client, or if you provide this information to us:

Identity Data includes Social Security Number, tax-payer identification number, driver’s license number, username or similar identifier, and date of birth.
Financial Data includes payment card details, account numbers, routing numbers, and expiration dates.
Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.
Family Data includes your marital status and your beneficiaries’ full legal name and contact information.
Personal Financial Data includes assets and liabilities, approximate net worth, income, expenses, investment activity, account information (including other institutions), investment experience and goals, custody, brokerage, and advisory agreements, other advisory agreements and legal documents, transactional information with us or others, account applications and forms, investment questionnaires and suitability documents, tax information and other regulatory information that may be necessary and required by federal and certain statutory laws such as employment information and stock restrictions, and other information needed to service account.

C. The Data We Collect when Acting As a Client’s Authorized Agent information to us:

Many of Lifeworks’s Users and Clients choose to aggregate information from accounts at other financial institutions onto their dashboard on our Site or in our App; in enabling this functionality, Lifeworks acts as an agent to retrieve the User or Client account information maintained by such third-party financial institutions with which the User or Client has a legally-binding customer relationship (“Account Information”).

This Account Information may include account balances, transactions and holdings from the linked financial institutions. By choosing to use our Services to aggregate and analyze your Account Information, you expressly authorize and direct Lifeworks, on your behalf, to electronically retrieve all Account Information associated with the username and password that you use to link the account. Lifeworks does not store login credentials used to link Account Information. Rather, Lifeworks works with one or more third-party service providers to access and retrieve your Account Information.

Any Account Information that Lifeworks receives is read-only and cannot be altered by Lifeworks or the third-party service provider we use to access and retrieve your Account Information. Any Account Information transmitted from a third-party financial service provider is transmitted via end-to-end encryption, and any credentials you provide are encrypted at rest.

3. How We Collect Your Personal Data

We use different methods to collect data from and about you including through:

Direct Interactions

You may give us your personal data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:

Apply for our products or services
Answer questions on the Website to determine what kind of portfolio we might recommend if you were to become a Client
Create an account on our Website
Subscribe to our service or publications
Request marketing to be sent to you
Conduct a survey
Give us some feedback

Automated Technologies or Interactions

As you interact with our Website, we may automatically collect data about your equipment, browsing actions and patterns.

Third-Party Sources

We may receive personal data about you from various third parties including our third-party service providers or custodian’s brokerage. We employ other companies and individuals to perform functions upon our behalf. Examples include storing and analyzing data, providing search results and links (including paid listings and links), providing customer service, and payment processing. They have access to user information needed to perform their functions, but may not use it for other purposes.

Cookies Policy

We may place “cookies” on the browser of your computer. Cookies are small pieces of information that are stored by your browser on your computer’s hard drive. Cookies may enhance the convenience and use of the Website. For example, the information provided through cookies may be used to recognize you as a previous user of the Website (so you do not have to enter your personal information every time), offer personalized information for your use, and otherwise facilitate your experience using the Website. You may choose to decline cookies if your browser permits, but doing so may affect your ability to access or use certain features of the Website.

Web Beacons

We may also utilize web beacons on our Website. A “web beacon,” also known as an Internet tag, pixel tag or clear GIF, links web pages to web servers and their cookies and may be used to transmit information collected through cookies back to a web server. The information collected through these automated means may include information that we gather and store about your visit to, and use of, the Website, such as your IP address, type of browser and operating system used, date and time you access the Website, pages you visit, and, if you linked to the Website from another website, the address of that website. This data does not include personal information and is not treated as personal information under this Privacy Policy, but it may include the IP address of your device. We may link an IP address to information that is personally identifiable.

SMS/MMS Text Messaging

With your consent, we may use text messaging to communicate with you about your account and services with Lifeworks Advisors. All SMS/MMS message content is retained for compliance and record keeping purposes in accordance with applicable regulations. See our Terms and Conditions for complete text messaging terms.

4. How We Use Your Personal Data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances: (a) where we need to perform the contract we are about to enter into or have entered into with you; (b) where it is necessary for our legitimate interests (or those of a third party) and your interests and rights do not override those interests; (c) where we need to comply with a legal or regulatory obligation. We use your data in the following ways:

To manage our relationship with you;
To enable you to complete a survey;
To administer and protect our Website;
To deliver relevant Website content to you;
To use data analytics to improve our Website, products/services, marketing, customer relationships and experiences;
To make suggestions and recommendations to you about goods or services that may be of interest to you.

Marketing and Outreach

We strive to provide you with choices regarding certain personal data uses, particularly around marketing. You can manage the marketing and outreach we provide to you by opting out, which is described in the “Opting Out” section below.

Opting Out

You can ask us to stop sending you marketing messages at any time by replying to a marketing email with “unsubscribe” in the subject line, clicking “unsubscribe” in the marketing email itself, or by contacting us at any time.

5. Disclosures of Your Personal Data

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties, including a custodian, who assist us in operating our site, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. A custodian or custodian bank is a financial institution that holds clients’ securities for safekeeping to prevent them from being stolen or lost. The custodian may hold stocks or other assets in electronic or physical form. Those trusted third-party partners may:

Provide you and members with various services
Provide database maintenance and security
Help us manage transactions
Help us process and fulfill orders or requests

We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety.

Disclosure to a Third Party in the Event of Merger, Sale, or Other Asset Transfers If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, then your Personal Information may be transferred as part of such a transaction, as permitted by law and/or contract. By providing your personal information to us, you consent to such a transfer and you agree that Lifeworks is under no obligation to provide you with prior notice of the transfer, whether under the Website Terms of Use Agreement or State or Federal law.

6. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors, and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

7. Data Retention

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

8. Your Rights

Under certain circumstances, you may have rights under data protection laws in relation to your personal data.

Request access to your personal data.
Request correction of your personal data.
Request erasure of your personal data.
Object to processing of your personal data.
Request restriction of processing your personal data.
Right to withdraw consent to us processing your personal data.

If you wish to exercise any of the rights set out above, or if you have a complaint please contact us. Lifeworks commits to resolve complaints about our collection or use of your personal information. Inquiries or complaints regarding the processing of personal data should first be directed to Lifeworks at support@lifeworksadvisors.com.

9. Web Accessibility Statement

Lifeworks is committed to making the Website’s content accessible and user friendly to everyone. If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call us at (616) 200-6512 or email us at support@lifeworksadvisors.com with “Assist with Access” in the subject line and provide a description of the specific feature you feel is not fully accessible or a suggestion for improvement.

10. California Resident’s Privacy Rights

Lifeworks tracks its Users over time and across third-party websites to provide targeted advertising. Lifeworks responds to Do Not Track (DNT) signals where technically feasible. If you would like additional information regarding opting-out of tracking, please Contact Us.

California’s “Shine the Light” law permits individual California residents to request certain information regarding our disclosure of certain categories of Personal Information to third parties for those third parties’ direct marketing purposes. To make such a request, please contact us at support@lifeworksadvisors.com. This request may be made no more than once per calendar year.