Privacy Policy

Our Commitment to Your Privacy

You might find this information helpful if you print out a copy of it and/or retain it as a reference in the future. At this website, we are committed to safeguarding your privacy as you browse and interact with our platform. We understand the importance of protecting your personal information, and this privacy policy outlines how we collect, use, and secure the data you provide to us.

In this Privacy page, the terms “we,” “our,” and “us” refer to My Smart Life, more commonly known as my-smartlife.com, which is owned and operated by YOLO Insuretech, a registered U.S. company.

To learn more about the parent company, please visit yoloinsuretech.com.
For contact details, refer to the Message Us section.
This E-Consent Policy acknowledges that you have received and reviewed this information.

Information Collection

To improve your experience and provide valuable resources, we collect different types of information, including:

Personal Information: Such as your name, address, email, phone number, date of birth, gender, housing, education, and marital status. This data is collected when voluntarily provided by you.

Technical Information: Including IP address, device information, and user agent, which we gather during your visit to our site.

User Traffic Data: We track user traffic patterns throughout our website to better understand how users interact with our content. This data helps us enhance our services.

Transaction Notifications: When you complete a transaction on a third-party website referred to by us, we receive a notification confirming the transaction’s occurrence. No other personal information is transmitted to us in this process.

Cookies: We may use cookies to track user traffic patterns and tailor your experience. You can control cookie settings through your browser.

We gather personal information through multiple channels and sources, such as:

• Directly from You: When you request information about our products or subscribe to our email or SMS lists.
• Website Interactions: When you use our websites, view our emails, or engage with us via computer or mobile devices (“Sites”), we and our service providers may collect IP addresses, browsing history, and other activity data.
• Third-Party Transactions: When a member completes a transaction on a third-party website referred by us.

Information Usage

We use collected information to:

• Personalize content and improve your experience.
• Communicate via email, SMS, or other methods.
• Confirm transactions referred by us.
• Generate anonymized demographic reports for advertisers and partners.
• Comply with applicable laws and ensure user safety.

All personal data collected through HomeComfortFinds is managed and processed by YOLO Insuretech in accordance with this Privacy Policy.

Data Collection Personnel

Users’ personal information may only be gathered, handled, maintained, and utilized by authorized employees or service providers working on behalf of YOLO Insuretech, including staff in marketing, administration, and client support roles.

Consent to Data Collection

By using this website, you grant permission for the collection and utilization of your personal data as outlined in this policy.
Your consent is voluntary and can be withdrawn at any time by contacting [email protected].

Sharing Your Information

We do not sell or rent your personal information.
We may share limited data only with trusted service providers who assist in operating our business, or when required by law.

SMS consent data and opt-in details are never shared or sold to third parties for marketing purposes.

Third-Party Involvement

Home Comfort Finds, operated by YOLO Insuretech, may share data with service providers and analytics partners to support website functionality and marketing performance.
Your data may also be disclosed when required by law or during business transitions.

Opt-Out Policy

You can opt out of communications at any time by replying STOP to text messages or by emailing [email protected].
Opt-out requests will be processed within ten (10) business days.

Security

Our website operates on secure data networks protected by industry-standard firewall and encryption systems.
Access to data is restricted to authorized personnel of YOLO Insuretech only.

Compliance with Do-Not-Call Registry

We comply with applicable regulations and respect the National Do Not Call Registry.
However, communications may continue with users who have an existing business relationship or who have consented to receive information from us.

Cookies

Like many websites, we use cookies to improve user experience.
Session cookies help with navigation, while persistent cookies may store preferences.
You can disable cookies in your browser at any time.

Children’s Privacy

We do not knowingly collect information from children under 13.
Users under 18 should not submit personal data without parental consent.

California Privacy Rights

California residents have the right to request information on how their data is used or to opt out of data sharing.
Requests can be made through [email protected].

California “Do Not Track”

Our website does not currently respond to browser “Do Not Track” signals.

Changes to Our Privacy Policy

Any updates to this Privacy Policy will be posted on this page with a new “Effective Date.”
Your continued use of the site constitutes acceptance of any changes.

Your Consent

By using this site, you consent to the collection and use of your information by YOLO Insuretech (operating as My Smart Life) as described in this Privacy Policy.
You may withdraw consent at any time by contacting us directly.

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Terms and Conditions

Ownership and Scope

The materials and information provided on my-smartlife.com (“Site”) are for personal, private, non-commercial use only.
You may not modify, republish, post, or transmit any material obtained from this Site, including downloads, without prior written consent from YOLO Insuretech, the registered U.S. company that owns and operates My Smart Life.

Creating hyperlinks or automated data retrieval from this Site is prohibited without express permission.
These Terms and Conditions (“Terms”) govern your use of the Site and its services, including all related policies and operational guidelines (“Policies”).

By accessing or using this Site, you acknowledge that My Smart Life operates under YOLO Insuretech and agree to be bound by these Terms and our Privacy Policy.
If you do not agree, please discontinue use immediately.

Limitation of Liability

Neither My Smart Life nor YOLO Insuretech will be responsible for any damages or injuries arising from your use or inability to use this Site, including but not limited to system failures, delays, omissions, or viruses.
In no event shall our total liability exceed the amount you paid (if any) to access the Site.

Disclaimer

All materials on this Site are provided “as is” without warranties of any kind.
We do not guarantee uninterrupted operation, freedom from errors or viruses, or the accuracy of information.
Links to other websites are provided for convenience; YOLO Insuretech does not endorse or guarantee those sites or their content.

Account and Password Responsibility

If you create an account or password:

• YOLO Insuretech may act on any instructions received under your credentials.
• You are responsible for maintaining password confidentiality and notifying us of unauthorized access.
• We may suspend access at any time if misuse is suspected.

Information Acceptance Policy

Submitting an inquiry or form on this Site does not guarantee acceptance of your request.
YOLO Insuretech reserves the right to approve, decline, or discontinue applications or services at any time.

User Conduct

You agree to use this Site only for lawful purposes and to refrain from fraudulent, abusive, defamatory, or harmful activity.
Unauthorized advertising, spamming, harvesting of information, or transmission of viruses is strictly prohibited.
Violations may result in suspension or termination of access.

Privacy

All information collected from users is subject to our Privacy Policy, which forms part of these Terms.
Personal data collected through this Site is managed by YOLO Insuretech in accordance with that policy.

SMS Terms and Conditions

By providing your mobile number and submitting a form on my-smartlife.com, you consent to receive both non-marketing and marketing text messages from YOLO Insuretech (operating as My Smart Life).
These may be sent via an autodialer to the phone number you provided.

• Message frequency varies; typically up to 5 messages per month.
• Message and data rates may apply.
• You may opt out at any time by texting STOP.
• For help, text HELP or email [email protected].
• Your consent is not required to use the Site or services.
• Supported carriers include AT&T®, T-Mobile®, Verizon®, U.S. Cellular®, and others.
  T-Mobile® is not responsible for delayed or undelivered messages.

Ownership of Intellectual Property

All content, trademarks, graphics, and software on this Site are the property of YOLO Insuretech or its licensors.
You may not reproduce, distribute, or create derivative works without written permission.

Jurisdiction

The Site is intended for use within the United States.
Use outside the U.S. is at your own risk and responsibility for compliance with local laws.

Arbitration Agreement

Any dispute arising out of your use of this Site or our services shall be resolved exclusively through binding arbitration under the Federal Arbitration Act.
You may bring qualifying claims in small-claims court.
All arbitration will occur in the State of Florida, U.S.A.

Indemnity

You agree to indemnify and hold harmless YOLO Insuretech and its affiliates, officers, and employees from any claims, damages, or expenses arising from your use of this Site or violation of these Terms.

Termination

YOLO Insuretech may terminate or suspend your access to the Site at any time without notice.
Sections relating to limitation of liability, indemnity, intellectual property, and governing law will survive termination.

Class and Representative Actions

All claims must be brought on an individual basis.
You and YOLO Insuretech agree not to pursue any class or representative action.

International Use

We make no representation that this Site is appropriate or available outside the United States.
Access from other locations is at your discretion and subject to local laws.

Disputes and Governing Law

These Terms shall be governed by the laws of the State of Florida, U.S.A.
You consent to exclusive jurisdiction and venue in Florida courts for any disputes not subject to arbitration.

Age Requirement and Legal Compliance

You must be at least 18 years old to use this Site.
You agree to comply with all applicable local, state, and federal laws.

Integration and Severability

These Terms constitute the entire agreement between you and YOLO Insuretech concerning Site use.
If any provision is held invalid, the remainder shall remain in effect.

Copyright and Trademark Notice

All rights not expressly granted are reserved.
My Smart Life™ is a marketing brand of YOLO Insuretech.
Names and logos of other entities remain property of their respective owners.
For copyright inquiries or notices, contact:
Email: [email protected]

Linked Sites

This Site may include links to external websites not operated by YOLO Insuretech.
We are not responsible for their content or policies.
Use of linked sites is at your own risk.

Modifications

YOLO Insuretech may revise these Terms at any time by updating this page.
Continued use of the Site after revisions constitutes acceptance of the new Terms.

Contact Information

YOLO Insuretech
Email: [email protected]
Website: https://yoloinsuretech.com/ 

Домен
wellness.halosavings.com
Сайн нейм
Wellness Halo Savings
Телефон
(866) 699-2464
Адреса
2819 S 5600 W, West Valley, Utah, 84120

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I agree to the Techna Digital Terms and Conditions and Privacy Policy.