Privacy Policy

Website Privacy Policy

Last modified: June 19, 2026

This privacy policy describes how LT3 Innovations Inc. dba Bdollarsmart (“Bdollarsmart,” “Bdollar$mart,” “Company,” or “we”) uses and protects the personal information you provide or that we collect through https://bdollarsmart.com/ and the related mobile application (collectively, the “Website”).

Bdollarsmart is committed to protecting your privacy. Any personal information you provide to us when using this Website will be used in accordance with this policy.

This policy applies to information we collect:

  • On this Website.
  • In email, text, and other electronic messages between you and this Website.
  • Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.

It does not apply to information collected by:

  • Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
  • Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or through the Website.

Please read this policy carefully to understand our practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. Bdollarsmart may change this policy periodically by updating this page. You should check this page from time to time to ensure that you continue to agree with the terms of this policy. Your continued use of this Website after we make changes constitutes acceptance of those changes, so please check the policy periodically for updates.

Children’s Privacy

Protecting the privacy of children is especially important to us. For that reason, we never collect or maintain information on our Website from those we actually know are under 18, nor do we allow registration of users under the age of 18. If we learn that we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at [email protected].

The Information We Collect and How We Collect It

Information You Provide to Us

This notice applies to all information collected or submitted on the Website. While using the Bdollarsmart Website, you may have the opportunity to register for services, order products, make requests, and post content. Depending on the process, you may be asked to provide the following types of personal information, to the extent applicable:

  • Information by which you may be personally identified, such as name, address, email address, phone number, age, gender, other demographic information, or location information (“personal information”).
  • CRD or solution number (if applicable).
  • Name of your employer.
  • Primerica ID number (if applicable).
  • Other information necessary to properly provide the services, including answers to questions on the checkup.

We use a third-party payment processor, Stripe. Stripe may retain details of purchases and other transactions or payments made through us. Please review Stripe’s privacy policy for more information on how it handles your information.

We collect this information:

  • Directly from you when you provide it to us.
  • Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies and other tracking technologies.
  • From third parties, for example, Primerica Online’s API (if applicable).

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

  • Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
  • Information about your computer and internet connection, including your IP address, operating system, and browser type.

Cookies

We use cookies to remember certain user information and allow the tools to function. Your browser must be configured to allow the use of cookies to use the website. If you disable or refuse to accept cookies by selecting the preferences or settings on your web browser that block cookies, you may not be able to access our Website.

Please note: No personal information is collected with the cookies that we use. Accepting cookies while on the Website will not put the user at risk for marketing from other sites.

Web Statistics & Shared Data

We collect and use IP addresses to analyze trends, administer the site, track user movement, and gather broad aggregate demographic information for reporting and sponsorship purposes. IP addresses are not linked to personally identifiable information.

From time to time, we may use non-identifiable aggregate information to better design our Website and to share with select advertising partners, sponsors, and/or affiliates. For example, we may tell an advertiser that X number of individuals visited a certain area on our Website or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to personally identify those individuals.

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website are served by third parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our service. This data may be shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. For more information on Google’s privacy practices, please visit the Google Privacy Terms web page. We also encourage you to review Google’s policy for safeguarding your data.

Use of Personal Information

  • Primerica Licensed Financial Professionals: While Bdollarsmart takes your privacy very seriously, please note that Primerica is the owner of the information collected from the Website and controls how it uses that information. Accordingly, you agree to hold Bdollarsmart harmless for how Primerica handles and processes your data. We agree that we will only use our copy of the information you provide for the following specific purposes: to effectuate a registration made by you; to customize the advertising and content you see; to fulfill your requests for products and services (including purchases); to improve the content and overall look and feel of our Website and Services; to contact you, conduct research, and provide anonymous reporting for internal and external clients, when necessary; or for any other purpose with your consent.
  • All Other Users: Bdollarsmart takes your privacy very seriously. Accordingly, we agree that we will only use the information you provide for the following specific purposes: to effectuate a registration made by you; to customize the advertising and content you see; to fulfill your requests for products and services (including purchases); to improve the content and overall look and feel of our Website and Services; to contact you, conduct research, and provide anonymous reporting for internal and external clients, when necessary; or for any other purpose with your consent.

We will not share, sell, rent, or otherwise distribute your personal information with outside parties except to provide products or services you have requested through us, as requested by Primerica, or in response to a validly issued subpoena, court order, or other legal process, or when necessary to establish or exercise our legal rights or defend against legal claims made by you or on your behalf.

From time to time, we may use return email addresses to answer the emails we receive from you. Such addresses are not used for any other purpose and are not shared with outside parties not affiliated with LT3 Innovations Inc.

Finally, we will never use or share the personal information you provide to us in any way that violates or is otherwise unrelated to the purposes described in this policy without also providing you an opportunity to opt out or otherwise prohibit such unrelated uses.

Registration

In order to use some features of the Website, you must first complete the registration process. During registration, you are required to provide certain personal information, including, but not limited to, the information described above (see: “The Information We Collect and How We Collect It”). This information will periodically be used by us to contact you about site news, updates, and changes to this policy and to enable you to retrieve your password, if necessary.

Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have established appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Scope of this Agreement; Third-Party Websites

This policy applies to the entirety of information and content controlled and owned by Bdollarsmart. It does not apply to entities that are not owned or controlled by us.

This Website may contain links to other third-party websites. Please be aware that Bdollarsmart does not claim any responsibility for the privacy practices of these third-party sites. We encourage you to be aware when you leave our site and take reasonable precautions when sharing your personal information on third-party websites.

Correction of Personal Information and Opt-Out

  • Primerica Licensed Financial Professionals: So that we may best serve you, you are responsible for ensuring that all personal information you provide on this site is maintained and kept current. You may “opt out” from receiving newsletters, promotional offers, and other information from us. To unsubscribe from our mailings (except important system and content update information detailed below), you may click the “Unsubscribe” link in the footer of our emails.
  • For All Other Users: So that we may best serve you, you are responsible for ensuring that all personal information you provide on this site is maintained and kept current. You can review and change your personal information by logging into the Website and visiting the “Account” tab. You may “opt out” from receiving newsletters, promotional offers, and other information from us. To unsubscribe from our mailings (except important system and content update information detailed below), you may click the “Unsubscribe” link in the footer of our emails and can edit certain personal information in the “Account” tab. You may also send us an email at [email protected] to request access to, correct, or delete any personal information that you have provided to us.
  • Please note that you may not unsubscribe from receiving service announcements and important content update information regarding the Website, including but not limited to: service and account changes, Website upgrades, site cancellation, or business termination information. Bdollarsmart and Primerica may retain all copies of information for five (5) years to satisfy applicable legal obligations.

Right to Unilaterally Modify This Policy. Bdollarsmart may modify this policy at any time, and such modification shall be effective once Bdollarsmart sends an email notification to you of the modification to the last email address you supplied. The email notification shall contain a link allowing you to access the modified policy.

Contact Information.

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

LT3 Innovations Inc.
8700 Monrovia St, Suite 310
Lenexa, KS 66215

OR

[email protected]