USA Life
- The documents do not say whether your data trains AI.
- The documents do not say whether your data is used for ads.
- They say they do not sell or share your data.
- The documents do not say who can read your content.
They take a license on what you send, can close you without notice, and cap at $100.
Agent Trust Hub uses AI and may make mistakes. Review reports and confirm their contents before relying on them.
Collected
Registration (address, email, phone), payment info, cookies, and log data like IP addresses.
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Privacy policy
“During registration, a user gives contact information (such as street and email address, phone number, etc).”
Training
They use your info to run the site, fix problems, and enforce rules; they say no marketing without consent.
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Privacy policy
“We do not use your email address or other personally identifiable information to send commercial or marketing messages without your consent.”
Sharing
They say they never sell your personal info for marketing; they may disclose it for law or a sale of the company.
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Privacy policy
“USA.Life will never sell, rent, or otherwise provide your email address or other personally identifiable information we receive from you to any third parties for marketing purposes”
Kept
The documents do not say how long they keep your data after you ask to delete it.
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Privacy policy
“we provide a way to correct, update or delete users’ personally identifiable information. This can usually be done by emailing our Customer Support.”
Controls
You can ask them by email or mail to correct or delete your personal information.
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Privacy policy
“This can usually be done by emailing our Customer Support. Or you may contact us by postal mail at the contact information listed below.”
Fine print
They can close you without notice, take a forever license on what you send, and you must cover their legal costs.
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Terms of service
“You agree that USA.Life may, without prior notice, immediately terminate your USA.Life account and access to the USA.Life Site.”
Expand “Read the exact line” to see the source alongside the explanation.
What you can turn off
The controls and opt-outs their own documents describe, and where they say to find them.
Email to correct or delete your personal information
Email Customer Support or service@usa.life, or mail ATTN: STEVEN ANDREW USA.Life 2059 Camden Ave, #280 San Jose, CA 95124
If a switch is not where they say, the deletion request above still applies.
Line by line
The lines that matter most, worst first.
Anything you send them, they can keep using, change, and share forever, even after you leave.
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Terms of service
“By sending information, you grant USA.Life a nonexclusive, , , , and fully right to reproduce, use, modify, publish, adapt, translate, create derivative works from, distribute, and display such content throughout the world in any media.”
For example, a forum post you later regret could still be copied or published by them worldwide.
They can shut your account at any time without warning.
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Terms of service
“You agree that USA.Life may, without prior notice, immediately terminate your USA.Life account and access to the USA.Life Site.”
For example, you could lose access overnight and not get a chance to save your posts first.
When they close you, they can wipe your files and content.
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Terms of service
“Termination of your USA.Life account includes (a) removal of access to all offerings within the web site, (b) deletion of your password and all related information, files and content associated with or inside your account”
For example, photos or posts in your account could be deleted when they terminate you.
If someone sues over your use of the site, you may have to pay their legal bills.
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Terms of service
“You agree to and hold USA.Life, its members, subsidiaries, affiliates, officers, agents, and other partners and employees, harmless from any loss, , claim, or demand, including reasonable attorneys' fees”
For example, if a post you made leads to a lawsuit, you could owe their attorney fees.
They say they do not have to refund money you paid.
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Terms of service
“You agree that you will not seek and that USA.Life need not provide any refund of payments made through the USA.Life Site or its associated mobile phone application.”
For example, if you pay and then they close your account, you may not get that money back.
Messages you send through the site or email are treated as not private.
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Terms of service
“You agree that any communication or material transmitted to USA.Life via this web site, mobile phone application, or Internet email is not confidential and that your communications may be read or intercepted by others.”
For example, an email to support could be treated as something they can use or that others might see.
If they harm you, they try to pay at most $100.
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Terms of service
“In that do not allow the exclusion or limitation of incidental or consequential damages, USA.Life's to any one user for all damages, losses, or causes of action shall not exceed $100.00.”
For example, even if a failure cost you more, they say they owe no more than $100.
They say they will not sell your personal details for ads.
Read the exact line
Privacy policy
“USA.Life will never sell, rent, or otherwise provide your email address or other personally identifiable information we receive from you to any third parties for marketing purposes”
For example, they say they will not rent your email list to marketers.
If they change the privacy rules, keeping using the site counts as you agreeing.
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Privacy policy
“Your continued use of the service constitutes your agreement to this Privacy Statement and any updates.”
For example, they could post a new policy and you would be bound just by logging in again.
They say they keep personal data on password-protected servers with limited access.
Read the exact line
Privacy policy
“Personal information we collect is stored in password-controlled servers with limited access, and we carefully protect this information from loss or misuse”
For example, they claim staff access to your registration data is limited.
Words to know
Legal words from the lines above, in plain English.
- personal data
- Any information that is about you or can be linked to you, from your name to your phone's ID. For example, your email, your IP address and the list of apps on your phone are all personal data.
- consent
- Your clear agreement to something, given by an action like ticking a box or tapping Accept. For example, a pop-up asking if the app may use your location is asking for consent.
- sell or share
- Under California law, selling means passing your data to others for money or other value; sharing means passing it on for targeted ads. For example, letting an ad network use your browsing history in return for ad space counts as a sale.
- third parties
- Any company or person other than you and the app, such as advertisers, partners or analytics firms. For example, an analytics company that receives a record of every screen you tap is a third party.
- royalty-free
- The company can use your content without ever paying you for it. For example, your photo can appear in the app's ads and you get nothing.
- perpetual
- Lasting forever, with no end date. For example, a perpetual licence means the company can keep using your video years after you leave.
- irrevocable
- Cannot be taken back or cancelled once given, even if you change your mind or delete your account. For example, an irrevocable licence to your photos means you cannot withdraw it later.
- sublicensable
- The company can pass its rights over your content on to other companies without asking you. For example, an app can let an advertiser or a partner reuse your video under the licence you gave.
- indemnify
- You promise to pay the company's legal costs and losses if your use of the service gets it sued. For example, if you post a song you do not own and the label sues the app, you owe the app's lawyer bills.
- affiliates
- Other companies owned by or connected to the same parent company. For example, if you use one app, its sister apps under the same owner may also get your data.
- limitation of liability
- A cap on what the company will ever pay you if something goes wrong, often only what you paid in the last year. For example, if a leak of your data costs you thousands, the most you may get back is a month's subscription fee.
- governing law
- Which country's or state's laws are used to settle any dispute, no matter where you live. For example, a user in Ohio may find the terms are judged under California law.
How we got here · grade D · score 37/100 · 15 of 15 policy answers backed by a verified quote · 6 not stated
What does the app collect beyond what it needs to work?
They collect registration contact details and payment info, plus cookies and log files such as IP address and browser type.
Does it record your voice, face or body, and what happens to that?
Not stated in the documents.
Are your chats and uploads used to train AI models, and is that off by default?
Not stated in the documents.
Can employees or contractors read your conversations, and when?
Not stated in the documents.
Are you profiled or tracked for advertising?
Not stated in the documents.
Do they sell or share your data, and can you opt out?
They say they will never sell, rent, or give your email or other personal info to third parties for marketing.
What rights do they take over what you type and what the AI makes?
By sending information you grant a perpetual, irrevocable, fully sublicensable license to use and display that content worldwide.
How long do they keep your data after you delete it, and can you delete it in the app?
You can ask them by email or mail to delete personal information; they do not say it happens in the app or how fast.
Does it build a lasting memory or profile of you, and can you see, edit or turn it off?
Not stated in the documents.
Do they commit to basic security, and have they leaked data?
They say personal data is stored on password-controlled servers with limited access.
Is there a real age gate, and are teens protected?
Not stated in the documents.
Will they tell you when the rules change, and is the policy specific?
They post updates and say continued use means you agree; the privacy policy is dated 2019.
Can they close your account without warning, and can you get your data out first?
They may terminate without prior notice and delete your password, files, and content.
If something goes wrong, who pays?
The service is as-is, liability may be capped at $100, and you must indemnify them for claims from your use.
Do subscriptions renew on their own, and can you get a refund?
They collect payment and say they need not provide any refund; auto-renew is not described.
The privacy policy is 976 words at a college graduate level (Flesch reading ease 37.9); the terms are 2,888 words at a professional or legal expert level.
