Website Privacy Policy and Disclaimer for MoreThanCuteLife.com – The Secure Woman Directory

The following documents serve as the official Privacy Policy and Disclaimer for MoreThanCuteLife.com (referred to herein as “The Site” or “We”).

I. Privacy Policy

Effective Date: October 15th, 2025

Your privacy is paramount. This policy explains how we collect, use, disclose, and safeguard your information when you visit The Site, engage with our services, or schedule a consultation.

1. Information We Collect

We collect information that falls into the following categories:

  • Personally Identifiable Information (PII): Name, email address, telephone number, mailing address, and login credentials when you register for a course or download a lead magnet.

  • Sensitive Financial and Health Information: If you proceed with a consultation for insurance or financial products (such as Index Universal Life or annuities), we will collect necessary financial status data, medical history, lifestyle information, and beneficiary details required to submit an application to a licensed insurance carrier or agency.

  • Third-Party Information: Information provided by third-party licensed insurance carriers or agencies regarding your policy status, eligibility, or application approval/denial.

2. How We Use Your Information

We use the information collected for the following business purposes:

  • Service Delivery: To provide you with personalized consultation, coaching services, and access to digital course materials.

  • Financial Product Application: To process and submit applications for insurance and annuity products through the appropriate licensed carriers and agencies.

  • Communication and Marketing: To send you newsletters, promotional materials, and information about the Secured Life Resource Network.

  • Referrals: To share your contact and stated needs with vetted professionals in our directory (e.g., CFP®s, Money Coaches, Safety Experts) only with your explicit consent.

3. Disclosure and Sharing of Your Information

We may share your information under the following circumstances:

  • Insurance and Financial Carriers: We are required to share sensitive financial and health PII with licensed third-party insurance companies and brokerages in order to determine eligibility, process applications, and service any purchased policies.

  • The Secured Life Resource Network (Directory): If you request a referral through our directory, we will share your relevant PII (e.g., name and stated needs) with up to three vetted third-party professionals to facilitate the requested connection. These professionals are bound by their own privacy standards and professional ethics.

  • Legal Requirements: We may disclose your information if required to do so by law or in response to a legal process.

4. Data Security and Retention

We implement commercially reasonable security measures designed to protect your information. However, no electronic transmission over the internet can be guaranteed to be 100% secure. We retain your PII for as long as necessary to fulfill the purposes outlined in this policy or as required by insurance regulatory and financial compliance laws.

II. Website Disclaimer

1. General Educational Disclaimer

The content provided on MoreThanCuteLife.com and in any associated courses, webinars, or materials (including the Secured Life Resource Network) is for educational, informational, and self-help purposes only. It is designed to share principles of personal security, financial literacy, and holistic wellness.

The materials are not intended to be a substitute for professional legal, medical, tax, accounting, or licensed financial advice. Always seek the advice of a qualified professional in these fields regarding any specific questions or concerns you may have.

2. Financial and Insurance Product Disclosure

The founder is a Personal Security Consultant and a licensed life, health, and annuity insurance agent. The following disclosures apply to all financial content and products discussed or offered:

  • Not a Fiduciary (in all roles): The founder acts as a licensed agent and consultant. The information provided does not create a fiduciary relationship unless explicitly stated in a signed, separate advisory agreement.

  • Insurance and Annuity Products: Discussions about products like Index Universal Life (IUL) and annuities are for illustration purposes only.

    • No Guarantee of Eligibility: Submission of an application for any insurance policy does not guarantee coverage. All eligibility for benefits (including Living Benefits, Cash Accumulation, and Death Benefits) is subject to the underwriting standards and final approval of the issuing insurance company.1

    • Non-Guaranteed Performance: Illustrations of cash accumulation, retirement income, and index performance (Upside Potential/Downside Protection) are hypothetical and based on non-guaranteed assumptions and historical data. Actual policy performance may vary and is not guaranteed by the consultant or The Site.1

  • Not Legal, Tax, or Investment Advice: The founder does not provide specific legal or tax advice. Please consult your own licensed tax advisor or attorney for guidance on the tax implications of any financial decisions or insurance products.1

3. Personal Security and Safety Disclaimer

The advice provided on situational awareness, verbal defense, and protective strategies is based on professional experience and is intended for informational preparedness.

  • Not a Substitute for Law Enforcement: This content is not a substitute for calling 911 or seeking help from law enforcement in an emergency.

  • No Guarantee of Safety: While the strategies are designed to mitigate risk, The Site cannot guarantee your safety or prevent injury, damage, or loss in any situation.

4. Third-Party and Directory Disclaimer

  • Secured Life Resource Network: Professionals listed in this directory are independently owned and operated. While we use a vetting process to verify credentials (e.g., CFP®, CMC, etc.), we do not endorse, supervise, or guarantee the work, pricing, or results of any external professional or service listed.

  • No Liability for Referrals: You agree that The Site is not responsible or liable for any damages, losses, or negative outcomes arising from your engagement with any third-party referred through the directory or linked from The Site. Any financial or coaching agreement established with a third party is solely between you and that professional.

5. Testimonial and Results Disclaimer

Testimonials, examples, and financial figures discussed are exceptional results and do not represent a guarantee that anyone will achieve the same or similar results. Your success depends on your background, dedication, desire, motivation, and ability to follow the advice provided.