Privacy Policy

Last updated: April 22, 2026

1. Who We Are

This Privacy Policy applies to two related businesses:

  • K-AI365 — operates go.k-ai365.com and sells digital products including eBooks, prompt libraries, and AI toolkits.
  • Up Planning Edge LLC — operates go.upplanningedge.com and upplanningedge.com and provides life insurance quotes, applications, and educational content. Licensed in Texas (Life Insurance License #2211117). Business address: 7055 Old Katy Rd Suite 1008, Houston, TX 77024.

Throughout this policy, "we," "us," and "our" refer to the applicable business depending on which service you use. For all questions, contact us at [email protected].

2. Information We Collect

All users:

  • Personal information: name, email address, phone number
  • Usage data: pages visited, clicks, and interactions (via cookies and the Meta Pixel)
  • Device data: browser type, IP address, and device information

K-AI365 digital product buyers:

  • Payment information: processed securely through Stripe or GoHighLevel. We do not store your full credit card number.

Up Planning Edge life insurance prospects and clients:

  • Health and medical information: age, gender, tobacco use, height, weight, medical conditions, prescriptions — used to obtain accurate insurance quotes
  • Financial information: coverage amount requested, beneficiary information
  • Demographic information: date of birth, address, occupation
  • Communication records: SMS messages, phone calls, and emails when you contact us or consent to receive them

3. How We Use Your Information

For K-AI365 digital products:

  • Deliver purchased products and access credentials
  • Send order confirmations and product updates
  • Provide customer support
  • Improve our products and website
  • Run targeted advertising on Meta platforms
  • Send occasional product updates or offers (you can unsubscribe anytime)

For Up Planning Edge life insurance services:

  • Provide quotes from one or more insurance carriers
  • Submit applications to carriers on your behalf (with your consent)
  • Communicate with you by email, phone, and SMS about quotes, applications, policies, and related matters
  • Comply with insurance regulatory requirements
  • Educate you about life insurance and related financial topics

4. SMS / Text Messaging Consent (TCPA)

By submitting your phone number through any Up Planning Edge form, calendar booking, or checkout, you expressly consent to receive SMS text messages from us regarding your quote, application, appointment reminders, and related communications. Message and data rates may apply. Message frequency varies. You can opt out at any time by replying STOP. For help, reply HELP or email [email protected]. Your consent to receive text messages is not a condition of any purchase or service.

5. Meta Pixel & Cookies

We use the Meta (Facebook) Pixel and related tracking technologies on both go.k-ai365.com and go.upplanningedge.com to track page views, form submissions, lead events, and purchases. This data helps us measure the effectiveness of our ads and deliver relevant content. You can manage your ad preferences through Facebook Ad Preferences or opt out via YourAdChoices.

We also use standard cookies for site functionality. You can disable cookies in your browser settings, but some features may not work properly.

6. Third-Party Services

We share data with the following third parties solely for business operations:

For both services:

  • GoHighLevel: CRM, email delivery, calendar booking, and funnel hosting
  • Meta (Facebook/Instagram): advertising and conversion tracking
  • Google: analytics, file hosting, and email services

For K-AI365 digital products:

  • Stripe: payment processing
  • Google Drive: product file hosting and delivery

For Up Planning Edge life insurance:

  • Insurance carriers (for example, Symetra, Mutual of Omaha, Protective, Nationwide, and others): we share the information needed to obtain quotes and submit applications on your behalf
  • Insurance application platforms (for example, ModernLife): for application intake, underwriting workflow, and policy issuance

We do not sell your personal information to any third party.

7. Gramm-Leach-Bliley Act (GLBA) Privacy Notice — Life Insurance Clients

As a licensed insurance producer, Up Planning Edge LLC is subject to the Gramm-Leach-Bliley Act (GLBA). We collect nonpublic personal financial information only as needed to provide the services you request and share it only with the insurance carriers, underwriters, and service providers involved in processing your quote or application. We maintain physical, electronic, and procedural safeguards that comply with federal and state standards to protect your information. This notice is provided at the start of the client relationship and is available on request.

8. Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal obligations — including state insurance record-retention requirements (typically 5-7 years for insurance files). You may request deletion of marketing-related data at any time by emailing [email protected], subject to legal retention requirements.

9. Your Rights

Depending on your jurisdiction, you may have the right to:

  • Access the personal data we hold about you
  • Request correction or deletion of your data (subject to insurance record-retention laws)
  • Opt out of marketing communications
  • Request a copy of your data in a portable format
  • Opt out of SMS messaging at any time by replying STOP

To exercise any of these rights, email [email protected].

10. Children's Privacy

Our products and services are not intended for individuals under the age of 18. We do not knowingly collect data from minors and we do not market life insurance directly to minors.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with the updated date.

12. Contact

If you have questions about this Privacy Policy, contact us at:

Up Planning Edge LLC / K-AI365
7055 Old Katy Rd, Suite 1008
Houston, TX 77024
[email protected]
832-793-9509