Privacy Policy

01 Who we are

Our website address is https://1toplife.com. 1TopLife is an independent editorial website covering insurance, personal loans, and related personal finance topics. The Site is operated by Laurel C. Yazzie, contactable at laurel.yazzie@1toplife.com.

02 What data we collect and why

We collect only the data necessary to operate the Site and deliver a safe, functional experience. The categories of data we collect are described in the sections below. We do not sell personal data to third parties.

03 Comments

When visitors leave comments on the Site, we collect the data shown in the comment form — your name, email address, and the content of your comment — along with your IP address and browser user agent string to assist with spam detection.

An anonymised string derived from your email address (a hash) may be sent to the Gravatar service to check whether you use it. The Gravatar service privacy policy is available at automattic.com/privacy. Following approval of your comment, your profile picture (if you use Gravatar) will be visible alongside your comment.

04 Media uploads

This section applies primarily to registered contributors. If you upload images to the Site, you should avoid uploading images that contain embedded location data (EXIF GPS). Other visitors may be able to download images from the Site and extract any location data they contain.

05 Contact forms & cookies

If you leave a comment on our Site, you may opt in to saving your name, email address, and website URL in cookies for your convenience. These cookies last for one year.

If you log in to the Site (registered users only), we will set temporary cookies to confirm your browser accepts cookies, save your login session, and store your display preferences. Login cookies last two days; display preference cookies last one year. If you select “Remember Me”, your login persists for two weeks. Logging out removes all login cookies.

If you edit or publish an article, an additional cookie containing the post ID of the article you edited will be saved in your browser. It contains no personal data and expires after one day.

06 Google Analytics 4 New

This Site uses Google Analytics 4 (GA4), a web analytics service provided by Google LLC (“Google”). GA4 uses cookies and similar tracking technologies to collect and report information about how visitors use the Site. This helps us understand which content is useful and how to improve the Site over time.

The following types of data may be collected by GA4:

• Pages visited and time spent on each page
• The source of your visit (e.g. search engine, direct, referral)
• Approximate geographic location (country and city level — not precise)
• Device type, browser, and operating system
• Interactions with content (e.g. scroll depth, link clicks)

For more information about how Google uses data collected via this Site, visit Google’s Privacy Policy.

07 Google AdSense & advertising New

This Site uses Google AdSense, an advertising service operated by Google LLC, to display third-party advertisements. Google AdSense uses cookies to serve ads based on your prior visits to this Site and other sites on the internet.

Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visit to this Site and/or other sites on the internet. This is sometimes called interest-based advertising or personalised advertising.

1TopLife.com does not control the content of third-party advertisements and is not responsible for the privacy practices of advertisers whose ads appear on this Site.

08 Affiliate link tracking New

Some links on this Site are affiliate links. When you click an affiliate link, the third-party merchant or affiliate network may place a tracking cookie on your device to attribute any subsequent purchase or application to this Site, in order to calculate a referral commission.

Common affiliate network cookies you may encounter include:

• Cookies from affiliate networks such as Commission Junction (CJ), ShareASale, Impact, or Rakuten Advertising
• First-party tracking cookies set by individual financial product providers

These cookies are set by the third-party merchant or network, not by 1TopLife.com directly. Their duration and data practices are governed by the respective third party’s privacy policy. Clicking an affiliate link means you are leaving this Site and entering a third party’s environment, where their own terms and privacy practices apply.

Affiliate relationships do not affect our editorial independence. Articles containing affiliate links are clearly disclosed at the top of the relevant page.

09 Embedded content from other websites

Articles on this Site may include embedded content such as videos, images, or social media posts from third-party platforms (for example, YouTube or Twitter/X). Embedded content from other websites behaves as if you had visited those websites directly.

These third-party platforms may collect data about you, set cookies, use additional tracking technologies, and monitor your interactions with their embedded content — including if you have an account and are logged in to that platform.

10 How long we retain your data

If you leave a comment, the comment and its associated metadata are retained indefinitely so we can recognise and moderate follow-up comments without holding them in a moderation queue.

For registered users (if any), personal information provided in user profiles is retained until the user requests deletion. All users can view, edit, or delete their personal information at any time (except for usernames). Website administrators can also view and manage that information.

Contact form submissions are retained for up to 12 months, after which they are deleted.

11 Your rights over your data

If you have an account on this Site or have left comments, you may request an export of the personal data we hold about you, including any data you have provided to us. You may also request that we delete any personal data we hold about you.

These rights do not extend to data we are legally required to retain for administrative, legal, or security purposes.

To submit a data access or deletion request, contact us at contact@1toplife.com.

12 GDPR & CCPA rights New

Depending on where you are located, you may have additional legal rights regarding your personal data:

European Economic Area (GDPR) — your rights include:

• The right to access the personal data we hold about you
• The right to correct inaccurate data
• The right to request erasure of your data (“right to be forgotten”)
• The right to object to or restrict our processing of your data
• The right to data portability
• The right to withdraw consent at any time where processing is based on consent
• The right to lodge a complaint with your national data protection authority

California residents (CCPA) — your rights include:

• The right to know what personal information we collect, use, disclose, and sell
• The right to request deletion of your personal information
• The right to opt out of the sale of personal information (note: we do not sell personal data)
• The right to non-discrimination for exercising your privacy rights

13 Children’s privacy (COPPA)

This Site is not directed at children under the age of 13. We do not knowingly collect or maintain personal information from anyone under 13 years of age, and no part of this Site is designed to attract visitors under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will delete it promptly.

14 Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, the tools we use, or applicable law. When we make material changes, we will update the “Last reviewed” date shown at the top of this page.

We encourage you to review this page periodically. Your continued use of the Site after changes are published constitutes your acceptance of the updated policy.

15 Contact us

If you have any questions about this Privacy Policy, wish to exercise your data rights, or have a concern about how we handle your information, please contact us:

Email: contact@1toplife.com
Website: 1toplife.com/contact

We aim to respond to all privacy-related enquiries within 5 business days and all formal data rights requests within 30 days.