Privacy Policy

TwentyFirst, LLC (“TwentyFirst,” “our,” or “we”) works with insurance companies, financial institutions, life settlement investors, brokers and providers, and other business clients to provide underwriting and longevity data solutions and other consultative services. Where personal information is provided to TwentyFirst by or on behalf of our business client organizations, TwentyFirst is a data processor, service provider or contractor to such organizations, as those terms are used in applicable privacy laws. As the controller of personal information related to you, your insurance company, or financial institution, the broker, provider, or purchaser of a life insurance contract issued on your life, or other business is the proper entity to address any questions or requests related to your personal information.

 

1. About This Privacy Policy

This privacy policy explains TwentyFirst’s general practices for collecting, using, disclosing and protecting personal information. This privacy policy may be supplemented by additional privacy statements, terms or notices as provided on TwentyFirst’s websites or applications.

 

This privacy policy does not apply to workforce-related personal information collected from TwentyFirst’s employees, job applicants, contractors, or similar individuals. Please contact our human resources department at HR@longevity.inc with questions about workforce-related personal information.

 

TwentyFirst’s services, websites and applications are not intended for residents outside of the United States.

 

2. Collecting Personal Information
   
   

TwentyFirst may collect information about individuals:

• Directly from the individual, including by phone, mail or internet forms, or in-person contact;
• Indirectly from use of TwentyFirst’s services, websites, or applications or attendance at marketing-related events, such as conferences and webinars;
• From another company within our family of companies; and
• From third parties, such as insurance carriers or TwentyFirst’s business clients.

 

TwentyFirst may collect or process for TwentyFirst’s business clients the following categories of personal information about individuals:

• Personal identifiers, such as name, date of birth, address, email address, phone number, and gender;
• Government identifiers, such as driver’s license number;
• Health information, such as medical records, medical conditions, prescription information, and social habits (such as tobacco use, substance use, etc.);
• Background check information, such as criminal history and driving citations;
• Professional or employment information, such as employer name, occupation, and business contact information;
• Insurance information, such as insurance policy information and beneficiaries; and
• Internet information or similar network activity, such as information regarding an individual’s interaction with our websites or applications and marketing analytics (e.g., clicks, opens, and unsubscribes).

 

TwentyFirst may use and disclose information that does not reveal an individual’s identity or permit direct association with any specific individual, such as browser and device information, anonymous usage data and aggregated information, for any purpose, except where we are restricted by law. We may collect this information through our servers and the use of cookies and other technologies. You may control cookies through your browser’s settings and other tools. For example, if you view a webinar or other video on TwentyFirst’s YouTube account, you can opt-out of YouTube cookies by changing the settings in your web browser. However, if you block certain cookies, you may not be able to register for, log into, access certain parts of, or make full use of TwentyFirst’s services, websites, and applications.

 

TwentyFirst may collect or process personal information that is subject to certain privacy laws and regulations.

 

3. Using Personal Information
   
   

TwentyFirst may use (including on behalf of TwentyFirst’s business clients) personal information to:

• Provide client services, such as life expectancy underwriting, dataset licensing, and underwriting consulting;
• Maintain data integrity related to our services, including verifying and updating information;
• Comply with our legal obligations, resolve disputes, and enforce our agreements;
• Distribute marketing and promotional materials, including providing webinars, hosting conferences, and capturing sales leads;
• Perform financial and accounting activities, including processing and distributing invoices and managing accounts payable;
• Respond to your requests, inquiries, comments and concerns;
• Provide technical, financial, product and other support and help keep our services, websites, and applications working, safe and secure;
• Provide, evaluate and improve our services, websites, and applications, and develop new products, services, websites, applications and benefits;
• Notify you about changes, updates and other announcements related to our services, websites and applications; or
• Identify usage trends and for data analysis, including for purposes of research, audit, reporting and license fees to third-party providers, such as data providers, or other business operations, including evaluating our business performance, or in other ways to which you or a third party acting on your behalf have expressly agreed in an agreement.

 

We may match or combine personal information with information that we obtain from other sources or that is already in our records, whether collected online or offline or collected by a predecessor or another company in our family of companies, for the purposes described above.

 

TwentyFirst may also deidentify or aggregate personal information to create datasets.

 

4. Disclosing Personal Information
   
   

TwentyFirst may disclose personal information to process the information based on our instructions or instructions by our business clients and in accordance with this privacy policy and any other appropriate confidentiality and security measures. We may disclose personal information to:

• Another company in our family of companies;
• Our service providers, suppliers, contractors, agents and representatives;
• Our clients pursuant to servicing or licensing agreements;
• Third parties, such as the Medical Information Bureau; and
• An individual’s business entity sponsor, if the individual accesses TwentyFirst’s services, websites, or applications under an entity’s agreement (for example, a company, corporation, nonprofit, partnership, bank or other business entity).

 

TwentyFirst may also disclose personal information:

• To (i) meet any applicable law, regulation, legal process or other legal obligation; (ii) detect, investigate and help prevent security, fraud or technical issues; (iii) enforce and protect our rights and properties; or (iv) protect the rights, property or safety of our users, employees and others; or
• If TwentyFirst or our services, websites, or applications, or a related asset or line of business is acquired by, transferred to or merged with another company.

 

5. Protecting Personal Information

 

TwentyFirst recognizes the importance of protecting personal information. We use a variety of administrative, physical and technical security measures intended to safeguard your personal information.

 

Our services, websites, or applications may contain links to other sites. TwentyFirst is not responsible for the security, privacy practices or the content of such linked sites.

 

6. Updating Personal Information
   
   

TwentyFirst works with insurance companies, financial institutions, life settlement investors, brokers and providers, and other business organizations. Personal information is provided to TwentyFirst from or on behalf of those organizations, and TwentyFirst is a service provider, contractor, or data processor/collector to such organizations. If you would like to update your personal information, please contact your insurance company, financial institution, life settlement investor, or other business organization. As the business and controller of personal information related to you, your insurance company or financial institution, the broker, provider, or purchaser of a life insurance contract issued on your life, or other business organization is the proper entity to update your personal information. If the data owner, controller, or business requests TwentyFirst to delete your personal information, TwentyFirst will endeavor to fulfill such request in accordance with our policies, but some personal information may be retained in backup copies for a certain period of time and as necessary for legitimate business purposes or to comply with our legal obligations, resolve disputes and enforce our agreements.

 

Access to personal information that TwentyFirst gathers from certain sources is subject to applicable laws and our data sharing policy.

 

7. Children’s Privacy

 

We do not knowingly collect information from children under the age of 13 or target TwentyFirst’s services, websites, or applications to children under the age of 13. TwentyFirst may collect information about children under the age of 13 from a parent or guardian with their consent, and this data is protected in accordance with this privacy policy.

 

8. Changes
   
   

TwentyFirst will notify you of changes or updates to our services, websites, or applications or to this privacy policy whenever necessary, in TwentyFirst’s discretion, through email, invoice announcements, the functionality of our services, websites, or applications, or by updating TwentyFirst’s websites or applications. If you have an account with TwentyFirst, we may notify you through such account. Any changes to this privacy policy will be posted on this page with an updated revision date. Your continued use of TwentyFirst’s services, websites, and applications following the posting of changes constitutes your acceptance of such changes.

 

9. Contact Us
   
   

If you have any questions, comments or requests regarding this privacy policy or our processing of your information, please contact TwentyFirst by phone at 612-371-3008 or by visiting https://21stle.com/privacy-policy/.

 

If you use assistive technology (such as a Braille reader, a screen reader, TTY, etc.) and the format of this privacy policy interferes with your ability to access this privacy policy, contact TwentyFirst for assistance. Please indicate the nature of your accessibility problem, the preferred format you would like to receive this privacy policy, and your contact information so that we may respond in a manner most helpful to you.

 

Last Revision: 4/1/2025