Privacy Policy for Estate Performance Advisors

1. Introduction


Estate Performance Advisors, LLC (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.estateperformance.com and when you use our services (financial planning, investment planning, insurance planning, etc.).

By using our website or services, you consent to the practices described in this Privacy Policy.



2. Information We Collect


We may collect the following categories of personal information:


2.1 Personal Information You Provide


  • Name, address, email address, phone number
  • Financial data (e.g., income, assets, liabilities, investment holdings)
  • Insurance information
  • Any other information you submit through contact forms, account setup, applications, or communications



2.2 Automatically Collected Information


  • IP address, browser type, operating system, device identifiers
  • Usage and analytics data (pages visited, time spent, clicks)
  • Cookies, web beacons, and similar tracking technologies



2.3 Communications & Messaging Data

  • Records of client communications with us (email, chat, phone)
  • Transcripts or recordings (if applicable)



3. How We Use Your Information


We use your personal data for the following purposes:

  • To provide, manage, and deliver our services
  • To respond to your inquiries or requests
  • To send confirmations, reminders, updates, and administrative messages
  • To send marketing or promotional communications (with your consent)
  • To comply with legal, regulatory, and audit purposes
  • To analyze and improve our website, services, and customer experience
  • To detect and prevent fraud, misuse, or other harmful activity



4. Legal Basis & Consent


Where required by applicable law, we rely on one or more of the following legal bases to process personal data:

  • Your consent (you agree to us using your data)
  • Performance of a contract (to deliver services you request)
  • Legal compliance (fulfill regulatory obligations)
  • Legitimate interests (e.g., improving services, preventing fraud), so long as they don’t override your rights



5. Sharing & Disclosure of Your Data


We do not sell your personal information. We may share your data in the following circumstances:

  • Service Providers / Vendors: Third parties who perform services on our behalf (e.g., analytics, CRM, email providers, compliance services)
  • Legal & Regulatory Requirements: To comply with law, court orders, or government authorities
  • Business Transfers: In case of merger, acquisition, or sale of assets, your information may be transferred
  • Consent: If you consent to us sharing your data for another purpose



6. Data Security


We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no system is 100% secure — while we strive to protect your data, we cannot guarantee absolute security.



7. Data Retention


We retain personal data only as long as needed to fulfill the purposes listed above or as required by law. After that, we securely delete or anonymize it.



8. Your Rights & Choices


Depending on your jurisdiction, you may have rights including:


  • Access your personal information
  • Request correction or update
  • Request deletion
  • Withdraw consent for processing
  • Opt out of marketing communications
  • Lodge a complaint with a supervisory authority


To exercise these rights, contact us at the information below.



9. Cookies & Tracking


We use cookies and similar technologies to enhance site functionality, analyze site usage, and deliver relevant content. You may be able to disable or limit cookies via browser settings, but this may affect site functionality.



10. Third-Party Links & Websites


Our site may link to external websites. We are not responsible for their privacy practices. We encourage you to read their policies before providing your information.



11. Children’s Privacy


Our services are not directed to minors under 18. We do not knowingly collect personal data from children under 18.



12. Changes to This Policy


We may update this policy. When we do, we will post the revised version on this page with a new effective date. We encourage you to review this page periodically.



13. Contact Us


If you have questions or concerns, please contact us:


Estate Performance Advisors, LLC
8571 W. Grand River Ave, Suite #800, Brighton, MI 48116
109 N 2nd Ave #L9, Alpena, MI 49707
Email: epa@epacorp.net
Phone: (248) 427-0240



Terms of Service for Estate Performance Advisors

Effective Date: 10-8-25


1. Acceptance of Terms

By accessing or using estateperformance.com (“Site”) and our services (“Services”), you agree to these Terms of Service (“Terms”). If you do not agree, do not use the Site or Services.



2. Services

We provide financial planning, investment planning, insurance planning, and related advisory services. Use of our Services is subject to compliance with applicable laws and regulatory standards.



3. Eligibility & Representations

  • You affirm you are 18 years or older and legally able to enter contracts.
  • You agree to provide accurate, complete, and current information when engaging our Services.
  • You will comply with all regulations and provide documentation as required (e.g. identity verification, financial disclosure).


4. Client Responsibilities

  • You are responsible for reviewing our recommendations, asking questions, and making informed decisions.
  • You remain responsible for meeting legal, tax, and regulatory obligations; we are not your legal or tax advisor (unless separately engaged).
  • You agree to maintain confidentiality of account credentials and notify us of unauthorized use.


5. Fees & Payment

  • Fees are as agreed in your client agreement or engagement letter.
  • Payments are due per schedule; late payments may incur interest or suspension of services.
  • All fees are nonrefundable unless otherwise stated.


6. Disclaimers & Limitations

  • Our deliverables and recommendations are based on information you provide and publicly available data; we cannot guarantee results.
  • Past performance is not indicative of future outcomes.
  • We are not licensed to sell insurance (per your site disclosure). Our insurance recommendations are offered via affiliate or partner arms.
  • You agree to seek legal, tax, or medical advice as needed; our materials are for general information only.


7. Intellectual Property

  • All content on the Site (text, graphics, logos, software) is owned by us or licensed to us and is protected by copyright, trademark, or other laws.
  • You may not use, reproduce, or distribute our intellectual property without our express permission.


8. Prohibited Conduct

You agree not to:

  • Use the Site for unlawful or harmful purposes
  • Interfere with or disrupt site operations
  • Use automated means (bots) to access the Site
  • Attempt to gain unauthorized access to systems, data, or accounts


9. Termination

We may suspend or terminate your access if you violate these Terms or engage in misuse. Upon termination, you lose the right to use our Services and must stop using our content.


10. Indemnification

You agree to indemnify, defend, and hold us harmless from claims, liabilities, damages, and costs (including attorneys’ fees) arising out of your violation of these Terms or misuse of the Site/Services.


11. Limitation of Liability

To the maximum extent permitted by law:

  • We are not liable for indirect, incidental, punitive, or consequential damages.
  • Our total liability for any claim arising out of or relating to these Terms or Services is limited to the amount you paid us (if any) in the past 12 months.


12. Governing Law & Dispute Resolution

  • These Terms are governed by the laws of the State of Michigan.
  • Any dispute must be resolved in state or federal courts located in Michigan unless otherwise required by law.


13. Modifications to Terms

We may revise these Terms at any time. The updated version will be posted on our Site with a new “Effective Date” and will apply going forward.


14. Severability

If any provision of these Terms is found invalid or unenforceable, that part is severed, and the remaining provisions remain in effect.


15. Entire Agreement

These Terms (along with your client agreement) constitute the entire agreement between you and us, superseding prior understandings.