Break Free From Business Financial Challenges

This Privacy Policy explains how LADZ LLC ("Company," "we," "us," or "our") collects, uses, discloses, and safeguards information when business owners and their representatives (collectively, "you") visit www.lifead.com (the "Site"), contact us, or use our consulting services (the "Services").

B2B focus. While we primarily handle business-to-business (B2B) information, some data may identify or be reasonably linkable to an individual (e.g., a sole proprietor). This Policy covers such "personal information" or "personal data" where applicable laws require.

1. Scope & Who We Are

• Controller: LADZ LLC, 2200 Corporate Boulevard NW, Boca Raton, FL 33431, USA
• Contact: stacey@lifead.com | (754) 282-0463
• Coverage: This Policy applies to information collected online (our Site, forms, chat widgets, cookies/analytics) and offline (phone calls, events, email) relating to our consulting Services.

2. Information We Collect

We collect the categories below. The specific data we collect depends on how you interact with us.

1. Identifiers & Contact Details – name, business name, title/role, email, phone, postal address, unique identifiers.
2. Business Profile Data – company size, industry, EIN (if provided), business financial details relevant to consulting (e.g., revenue ranges, debt profile or liabilities), goals and preferences.
3. Account & Communications Data – login credentials (hashed), messages, meeting notes, intake forms, survey responses, and support inquiries.
4. Commercial & Transactional Data – records of Services requested/purchased, proposals/SOWs, invoices, and payment-related information (note: actual card/bank data is handled by our payment processor and not stored by us, unless otherwise stated).
5. Internet/Technical Data – device/identifier, IP address, browser, pages viewed, referring/exit pages, timestamps, approximate location, and interactions with emails (open/click) via cookies, pixels, and similar technologies.
6. Professional/Employment Data – employer, title, certifications, and work history if you provide it to evaluate suitability or scope.
7. Inferences – profiles reflecting interests or preferences for our Services (e.g., segmentation for outreach).
8. Sensitive Personal Information – we do not seek to collect Sensitive Personal Information (e.g., SSN, precise geolocation, racial/ethnic origin, health). If you choose to provide any such data, we will use it only as necessary for the stated purpose and subject to applicable law.

Sources. We collect information directly from you; automatically via the Site and emails; from service providers (e.g., analytics, ad platforms, CRMs, payment processors); from publicly available sources (e.g., business registries, professional networks); and from referrals/partners with appropriate notice and permissions.

3. How We Use Information

We use information for the following purposes:

1. Provide and improve the Services – including scoping, delivery, onboarding, support, and customization.
2. Operate the Site – maintain functionality, analytics, security, and debugging.
3. Sales & Marketing – respond to inquiries; send newsletters, offers, and event invitations; personalize content; measure campaign performance.
4. Business Operations – finance, accounting, audits, compliance, fraud prevention, and legal claims.
5. Contractual & Legal – perform contracts; meet legal/regulatory obligations; protect rights, users, and systems.

Legal Bases (USA): performance of a contract; legitimate interests (e.g., B2B marketing, service improvement, fraud prevention); consent (where required, e.g., certain cookies or email/SMS marketing); legal obligation.

4. Cookies, Analytics & Advertising

We and our partners use cookies and similar technologies to operate the Site, analyze usage, and (if enabled) provide interest-based ads.

• Types of cookies: essential, performance/analytics, functional, and advertising.
• Controls: You can manage cookies via your browser settings. Disabling certain cookies may affect Site functionality.
• Analytics/Ads providers: Google Analytics

Do Not Track. Your browser may send a "Do Not Track" signal; our Site does not currently respond to DNT. We honor legally required browser-based opt-outs where applicable (e.g., Global Privacy Control for California).

5. How We Share Information

We do not share phone numbers with third parties for marketing or promotional purposes.

We share information in these scenarios:

1. Service Providers/Processors – vendors who process data on our behalf (hosting, CRM, analytics, payment processing, communications, security). They are bound by contract to use data only per our instructions.
2. Business Partners – with your direction or where appropriate for referrals, joint offerings, or subcontracted consulting.
3. Legal/Compliance – to comply with law, respond to lawful requests, or protect rights, safety, and property.
4. Corporate Transactions – in connection with mergers, financing, acquisitions, or dissolution.

Sale/Sharing of Personal Information (US State Laws). We do not sell personal information and we do not share it for cross-context behavioral advertising. If our practices change, we will update this Policy and provide required opt-out mechanisms.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

6. Data Retention

We retain information for as long as necessary to fulfill the purposes outlined in this Policy, comply with legal/contractual obligations, resolve disputes, and enforce agreements. Typical retention periods include: 5-7 years for engagement records, 24 months for marketing contacts; analytics event logs for 12-24 months. We may anonymize or aggregate data for longer retention.

7. Security

We use administrative, technical, and physical safeguards designed to protect information. No method of transmission or storage is completely secure; we cannot guarantee absolute security.

8. Your Privacy Choices & Rights

Marketing Communications. You can unsubscribe from marketing emails by using the link in our messages or contacting us at stacey@lifead.com. For SMS, reply STOP to opt out. Consent is not a condition of purchase; message/data rates may apply.

Cookie Controls. Use your browser settings to manage cookies.

EU/UK Data Subject Rights. Where GDPR/UK GDPR applies, you may request access, correction, deletion, restriction, portability, or object to processing (including direct marketing). When processing is based on consent, you may withdraw consent at any time.

US State Rights (e.g., CA, CO, CT, UT, VA). Depending on your state, you may have the right to:

• know/access and obtain a portable copy of personal information;
• correct inaccuracies;
• delete personal information;
• opt out of (i) sale of personal information, (ii) sharing for cross-context behavioral advertising, and/or (iii) certain profiling; and
• appeal our decision about your request.

How to Exercise Rights. Email stacey@lifead.com or submit via https://www.lifead.com. We will verify your identity and respond within the period required by law. Authorized agents may submit requests with proof of authorization and identity verification.

Non-Discrimination. We will not discriminate against you for exercising your rights.

9. International Data Transfers

If you access the Site from outside the country where our servers are located, your information may be transferred to and processed in other countries (including the United States) that may have different data protection laws. Where required, we use appropriate safeguards (e.g., EU Standard Contractual Clauses) for such transfers.

10. Children's Privacy

Our Site and Services are directed to business professionals and are not intended for children under 16. We do not knowingly collect personal information from children under 16.

11. Third-Party Sites & Integrations

The Site may contain links to third-party websites, plugins, or integrations (e.g., calendars, payment processors, scheduling tools). We are not responsible for the privacy practices of those third parties. Review their policies before providing information.

12. Changes to This Policy

We may update this Policy from time to time. The "Effective Date" above indicates when the latest changes took effect. Material changes will be posted on this page and/or otherwise communicated as required by law.

13. Contact Us

Questions about this Policy or our privacy practices? Contact:

LADZ LLC
Attn: Privacy
2200 Corporate Boulevard NW
Boca Raton, FL 33431, United States
Email: stacey@lifead.com
Phone: (754) 282-0463

14. California Notice at Collection (Summary)

This Notice at Collection is provided in accordance with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). It describes the categories of personal information we collect, the purposes for which we use it, how long we retain it, and whether it is sold or shared. We do not sell personal information or share it for cross-context behavioral advertising.

Category (examples)	Do we collect?	Purpose of collection	Retention	Sold?	Shared for cross-context ads?
Identifiers (name, email, IP)	Yes	Provide Services, marketing, security	24 months marketing; 7 yrs. contracts	No	No
Business/commercial info	Yes	Scoping, proposals, performance	7 years	No	No
Internet/network activity	Yes	Analytics, security, Site performance	14 months	No	No
Geolocation (coarse)	Yes	Security, fraud prevention	14 months	No	No
Professional/employment	Yes	B2B sales and delivery	7 years	No	No
Inferences	Yes	Personalization, segmentation	24 months	No	No
Sensitive personal info	No (not sought)	N/A	N/A	No	No

Welcome to Life Advisors and Development, operated by LADZ LLC ("Company," "we," "us," or "our"). By accessing or using our website at www.lifead.com (the "Site") and our consulting services (the "Services"), you agree to be bound by these Terms and Conditions.

1. Acceptance of Terms

By using our Site or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree, please do not use our Site or Services.

2. Services Provided

Life Advisors and Development provides business consulting services focused on financial relief solutions, including but not limited to:

• Business debt settlement consulting
• Cash flow management strategies
• Financial restructuring advice
• Legal protection coordination

Our Services are provided for informational and consulting purposes only and do not constitute legal, financial, or tax advice. You should consult with appropriate professionals for specific advice tailored to your situation.

3. SMS Text Messaging Program

Business Name: Life Advisors and Development (LADZ LLC)

Program Description: By opting into our SMS text messaging program, you agree to receive text messages from Life Advisors and Development including:

• Service updates and notifications
• Appointment reminders
• Promotional offers and exclusive deals
• General business announcements
• Educational content related to financial relief services

Message Frequency: You may receive up to 8 messages per month. Message frequency varies based on your engagement with our services and promotional campaigns.

Message and Data Rates: Message and data rates may apply. Standard text messaging rates from your wireless carrier will apply to all SMS correspondence. Please contact your mobile carrier for pricing plans and details.

Opt-Out Instructions: You can cancel the SMS service at any time by replying STOP to any text message you receive from us. After you send the message "STOP," we will send you a confirmation text message to confirm you have been unsubscribed. You will no longer receive text messages from us. If you want to rejoin, sign up as you did the first time, and we will start sending text messages to you again.

Help Information: For help or more information, reply HELP to any message, or contact us at:

• Email: stacey@lifead.com
• Phone: (754) 282-0463
• Address: 2200 Corporate Boulevard NW, Boca Raton, FL 33431

Supported Carriers: Our SMS program is supported by all major U.S. wireless carriers including AT&T, Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Boost Mobile, MetroPCS, Virgin Mobile, and others. Carriers are not liable for delayed or undelivered messages.

Customer Care Contact: If you have any questions about our SMS program or need assistance, please contact our customer care team at stacey@lifead.com or call (754) 282-0463 during business hours (Monday-Friday, 9 AM - 6 PM EST).

4. Eligibility

Our Services are intended for business owners and authorized representatives of businesses. You must be at least 18 years old and have the legal authority to enter into these Terms on behalf of your business.

5. User Obligations

You agree to:

• Provide accurate, current, and complete information during registration and use of our Services
• Maintain the confidentiality of any login credentials
• Notify us immediately of any unauthorized use of your account
• Use the Services only for lawful purposes and in accordance with these Terms

6. Fees and Payment

Certain Services may require payment of fees. All fees will be clearly disclosed before you commit to any paid Services. Payment terms will be outlined in separate service agreements or statements of work.

7. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of LADZ LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our express written permission.

8. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data collection and use practices.

9. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

We make no guarantees regarding specific outcomes or results from using our Services. Success depends on many factors, including your business circumstances and market conditions.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LADZ LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

11. Indemnification

You agree to indemnify, defend, and hold harmless LADZ LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your use of the Services or violation of these Terms.

12. Termination

We reserve the right to suspend or terminate your access to the Services at any time, with or without notice, for any reason, including if we believe you have violated these Terms.

13. Modifications to Terms

We may modify these Terms at any time by posting the revised Terms on the Site. Your continued use of the Services after such changes constitutes your acceptance of the new Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law principles.

15. Dispute Resolution

Any disputes arising from these Terms or your use of the Services shall be resolved through binding arbitration in Boca Raton, Florida, in accordance with the rules of the American Arbitration Association.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Contact Information

If you have questions about these Terms and Conditions, please contact us:

LADZ LLC
2200 Corporate Boulevard NW
Boca Raton, FL 33431, United States
Email: stacey@lifead.com
Phone: (754) 282-0463