Privacy Policy - Premium Life

1. Introduction

Premium Life ("we," "our," or "us") operates the Premium Life platform, including the Premium Life Launchpad and the AI Coach Operating System (collectively referred to as the "Services"), accessible via coach.premiumlife.app and related environments.

By accessing, registering for, or using our Services, you agree to this Privacy Policy and Terms and Conditions. If you do not agree, you must not use the Services.

These Services are provided in a beta and experimental stage and are offered on an "as-is" basis.

2. Nature of the Service

Premium Life provides:

Online membership programs
Educational content and coaching systems
AI-powered coaching tools (AI Coach, PLL Coach, Marketing Coach)
Community-based platforms and integrations

The AI Coach Operating System is an evolving system that simulates coaching interactions using user-provided data. It is not guaranteed to be accurate, reliable, or secure.

3. Information We Collect

We collect and process the following types of information:

Account Information: Name, email address, and authentication data (Google OAuth or magic link)
Coach Programming Data: Your methodology, course content, frameworks, FAQs, and setup inputs
Chat Conversations: Messages during onboarding and ongoing AI coaching interactions
Usage Data: Platform activity, features used, session duration, and engagement
Integration Data: Tokens and configuration data for Slack, GoHighLevel, and other integrations
Skool Community Data (optional Chrome extension only): If you install the Coach App browser extension, the member names, Skool handles, e-mail addresses Skool shows you as the community owner, join-survey answers, and community activity it reads from the Skool pages you open. Set out in full in section 9
Coach Voice Dictation (optional Chrome extension only): If you use Coach Voice, the text of what you dictate, any custom words you add, and the minutes you use. Set out in section 9.7
People in Your Business: The names, e-mail addresses and notes of the contacts and customers you add or connect, and the comments people leave on your own social posts when your connected accounts are checked for leads. You are responsible for having the right to keep these records
Connected Tools (optional): The Google Drive folders, recorded calls, Zoom account and calendar link you choose to connect. Set out in sections 8.3 to 8.5

4. How We Use Your Information

We use collected data to:

Provide, operate, and improve the platform
Program and run your personalized AI Coach
Deliver coaching experiences to you and your clients
Generate reports and insights on engagement and performance
Manage subscriptions, payments, and support
Send service-related communications
Prevent fraud, abuse, and unauthorized access

5. AI Data Processing

By using the Services, you acknowledge:

Your inputs are used to configure and operate your AI Coach
AI systems process your data in real-time to generate responses
Your coaching content (methodology, frameworks, voice) powers your AI agent

We do not sell your data or use it to train general public AI models.

6. User Responsibility for Data Sharing

You are fully responsible for any data you share.

You agree that:

You will only share information you are comfortable disclosing
Any personal or sensitive data is shared at your own risk
Once submitted, data may be processed by AI systems and may not be fully controllable or reversible

Premium Life is not responsible for how user-submitted data is processed, retained, or exposed within the system.

7. Data Sharing & Third Parties

We may share data with:

Service providers (e.g., Supabase, OpenAI, Anthropic, Google, Composio, Metricool, Stripe, Cloudflare, hosting providers)
Integrations (Slack, GoHighLevel, CRM systems)
Legal authorities when required

We do not sell personal data.

Third-party services operate under their own policies, and we are not responsible for their behavior.

8. Slack & Integrations

When you connect integrations (e.g., Slack):

AI Coach bots operate within designated channels
Each client is assigned a private channel
Tokens are stored and used to deliver functionality

You are responsible for how you configure and use integrations.

8.1 Optional Google Analytics website reports

When a business owner connects Google Analytics, Google asks separately for read-only Analytics access. Coach App reads the properties and web streams available to that Google account and reports for websites the owner selects, including traffic sources, campaigns, landing pages, engagement, contact events, and observed ecommerce totals. This connection does not change Analytics configuration or advertising campaigns.

Authorization tokens are encrypted on our server. Access to the connection and its reports is restricted to the consenting Coach App owner and business. We use this data to provide website reports and business analysis requested through our tools. We do not sell Google Analytics data or use it to build advertising audiences or train general public AI models. Our use of information received from Google APIs adheres to the Google API Services User Data Policy, including its Limited Use requirements.

Disconnecting Analytics in ToolBox removes the stored Analytics credentials and website mappings from the active service. You can also revoke the app's access from your Google Account permissions. Revoking the shared Google app there may also affect other Google integrations you connected. Backup retention and account deletion are described in section 11.

8.2 Analytics and recordings on our public websites

The public pages of primozlazar.com, premiumlife.app, toolkit.premiumlife.app with its free guide pages, and skool.premiumlife.app use Google Analytics and Microsoft Clarity in cookieless mode, without an analytics prompt or switch on the page. Analytics storage and advertising storage remain denied, and earlier opt-outs remain respected. Google Analytics measures visits, traffic sources and page interactions. Clarity sends website usage and browser/device information to Microsoft to provide heatmaps and session replays that help us improve the website. Cookieless measurement has limited session and returning-visitor continuity.

We configure Clarity to mask page text and form fields. This installation is limited to selected public pages; it does not record private Coach conversations or account screens. To stop this measurement, block these services in your browser settings or with a browser extension, or install the Google Analytics opt-out add-on. Provider handling and retention are explained in Google's Privacy Policy and the Microsoft Privacy Statement.

8.3 Your Google Drive folders

If you connect a folder, Coach App reads the files you put in it. Photos are described, and the speech in video and audio is turned into text once, through OpenAI. Your files stay in your Drive; Coach App keeps the description and the text so you can use them in your content. Unsharing the folder ends this.

8.4 Your recorded calls and Zoom

If you connect call notes, the audio of each call you record reaches Coach App through your own Google Drive folder, either because Zoom saves there or because your Ai Co-Worker copies it there from your computer. If you connect your Zoom account, Coach App instead reads Zoom's own summary or transcript of the meeting. Either way it is read once and turned into a short note with the next step on the right contact, through OpenAI. Coach App keeps the note, not the audio and not the words of the call. To find the right person it looks at your bookings for that time (your GoHighLevel appointments, or your calendar if you connected it). You choose which calls to record, and you are responsible for telling the people on the call and having the right to record them. You can disconnect at any time in Coach App, or by removing the app in Zoom, and Coach App's access is deleted at once.

8.5 Your calendar (optional)

If your calendar is in GoHighLevel, nothing more is needed. If you connect a private calendar link, Coach App stores only that link, encrypted, and reads your calendar at the moment you or your Ai Co-Worker ask about your day, or when a recorded call needs placing on the right person. It keeps nothing it reads: no events, no titles, no guests. Disconnecting deletes the link.

8.6 The Ai Co-Worker on premiumlife.app

On premiumlife.app you can talk or type to our Ai Co-Worker for a short demo, without an account. Please don't share private details in the demo.

Your words go over an encrypted connection to Coach App. A spoken phrase goes to our AI provider, OpenAI, only to be turned into text; your words go to OpenAI to write his answer, and his answer goes to OpenAI to be spoken.
Nothing you say is saved to an account. Your words are held only in our server's memory for the demo, at most 30 minutes, and then removed. We keep only counts of what the demo used, to limit its costs.
OpenAI does not use it to train models, and may keep it up to 30 days to check for abuse.
Cloudflare Turnstile checks that a person starts the demo. To give each visitor one demo a day, we keep a one-way code made from your internet address, in memory, for about a day.
Your browser keeps a marker for that tab only. Coach App sets no cookie for the demo.

9. Coach App Chrome Extension for Skool

The Coach App browser extension is optional. You install it yourself, it reads only Skool pages you are already viewing while signed in to your own Skool account, and the only server it sends your data to is coach.premiumlife.app. Its dictation feature, Coach Voice, is described in section 9.7.

9.1 Signing in with Google

The extension signs you in using Chrome's built-in Google sign-in. When you choose to sign in, Google asks for your permission and then issues a token that identifies you by two things: your Google account e-mail address, and your basic Google profile (your name and profile picture). The extension passes that token to Coach App for one purpose — to match you to your own Premium Life account, so the panel shows your data and nobody else's.

Your Google e-mail address and basic profile are used to sign you in, and for nothing else
They are never used for advertising, never sold, and never shared with data brokers
The extension cannot read your Gmail, Drive, Calendar, Contacts, or any other Google service. Those permissions are not requested and cannot be exercised
Your sign-in details are kept while your account is active and are deleted with your account, as described in section 11

9.2 Every permission the extension requests, and why

identity — to sign you in with Google, as described above
storage — to remember your sign-in state and your settings inside your own browser
scripting — to draw the Coach App panel and buttons onto the Skool page you are looking at
sidePanel — to open Coach App in Chrome's side panel beside Skool
offscreen — for Coach Voice: to record your voice after you start dictation, copy the finished text to your clipboard, and play its short start and stop sounds
clipboardWrite — to copy text to your clipboard when you press Copy or finish a dictation, so you can paste it yourself
Access to www.skool.com — to read the Skool pages you are already viewing, including the images Skool serves for them. This is read access to Skool, and to Skool only
Access to coach.premiumlife.app — your own Coach App account, which is where your data goes

The extension requests nothing beyond this list, and has no access to any other website you visit.

9.3 What it reads from Skool pages you open

Member identity already shown to you: display name, Skool handle, avatar image URL, and Skool user and member IDs
E-mail addresses where Skool itself shows them to you as the community owner — the member directory, applicant details, and join-survey answers
Join-survey questions and the answers members gave
Community content you can already see: posts, comments, an open DM conversation, member and applicant lists, classroom and course structure, and the community metrics Skool displays
The community name and the address of the Skool page you are on

9.4 What it does not do

It reads skool.com only, and has no access to any other website you visit
It does not read your Skool password, your payment details, or your Skool account settings
It does not browse Skool on your behalf. The one exception: once a day, while you have your own community open, it reads your own Members and Cancelling lists (at most 4 page reads) so new paying members reach Coach App
It does not post, comment, react, or send messages on Skool. Anything Coach App writes for you is a draft that you send yourself
It does not record keystrokes, take screenshots, or track your browsing anywhere
It does not sell extension data, and does not share it with advertisers or data brokers

9.5 Where the data goes, and why

Over an encrypted connection to your own Premium Life account on coach.premiumlife.app, and to no other server
It becomes your contact records, your community activity history, and the context your AI Coach uses to answer you about your own members
For a post or comment by one of your contacts, it keeps a one-sentence summary, a short paragraph and the link to the post, never the post itself
It is stored under your account. Other Premium Life customers cannot see it
Content captured this way may be processed by our AI providers as described in section 5

9.6 Data kept inside your own browser

The extension also keeps a small amount of data in your own browser and nowhere else: your Premium Life sign-in state, your settings, short fingerprints of pages already sent, so the same page is not sent twice, and a backup copy of text you dictate with Coach Voice. Removing the extension removes them.

9.7 Coach Voice (dictation)

Coach Voice records your voice only after you start it with its microphone button or its keyboard shortcut, and stops when you stop it or when the recording time limit is reached
The recording is sent over an encrypted connection to your own Premium Life account, which passes it to our AI provider, OpenAI, only to turn it into text. Coach App does not keep the recording
The text is saved in your Coach Voice history in your Premium Life account for about 30 days and is then removed automatically. You can delete any saved text from your history sooner, at any time
A backup copy of what you dictate may also stay in your own browser, as described in section 9.6
If Coach App cannot be reached while you speak, the extension keeps the recording in your own browser, on your own device, and sends it when the connection returns. It is removed from your browser as soon as it has been turned into text, and after about 7 days at the latest. Your most recent text stays in your browser for about an hour so you can copy it
The minutes you use count toward your plan's voice allowance

9.8 Removing the extension, and revoking access

Removing the extension from Chrome ends its access to Skool immediately
Revoking the Google sign-in permission is a separate action, and uninstalling does not do it for you. You revoke it yourself on your Google account's third-party access page, at myaccount.google.com/permissions
You can delete individual contacts and their history inside the app at any time
If you delete your Premium Life account, data collected through the extension is deleted with the rest, as described in section 11

You remain responsible for handling your own members' information lawfully, including any consent or notice your community and jurisdiction require. Section 7 applies to the extension exactly as it applies to the rest of the service.

10. Data Security

We implement standard security practices, including:

Encrypted connections (HTTPS)
Secure authentication (OAuth)
Access controls

However:

No system is 100% secure
We do not guarantee absolute protection of data

11. Data Retention

We retain data:

As long as your account is active
As needed to provide services

Some things we keep for a set time, and then they are removed automatically:

The text of your Coach Voice dictations: about 30 days (section 9.7)
What you say or type to the Ai Co-Worker on premiumlife.app: at most 30 minutes, in our server's memory only (section 8.6)
Website chats with visitors who have no account and gave no email address: about 90 days
IP addresses and browser details in our security log: about 90 days. The record of the action itself stays

If you delete your account:

Data will be deleted within approximately 30 days (unless legally required otherwise)

12. Your Rights

Depending on your jurisdiction, you may:

Access your data
Correct inaccurate data
Request deletion
Export your data
Restrict or object to processing
Withdraw consent

13. Cookies & Tracking

We use:

Essential cookies for login and session management
Limited analytics for platform improvement

We do not use advertising trackers.

14. Children's Privacy

Services are not intended for individuals under 18. We do not knowingly collect data from minors.

15. International Data Transfers

Your data may be processed in different countries. We apply reasonable safeguards in accordance with applicable laws.

16. Third-Party Links

We may link to external platforms (e.g., Skool, Slack, GoHighLevel). We are not responsible for their privacy practices.

17. Membership, Payments, Cancellation & Refunds

Trial length, price, renewal, cancellation, and refund terms are the terms shown in the specific Skool offer or community through which you joined. Those offer terms and applicable law control if they conflict with this general document.

18. Access to Services

We may:

Modify or remove features
Limit or revoke access
Remove users for violations

At any time, without notice.

19. User Conduct

You agree not to:

Misuse the platform
Attempt system exploitation
Upload harmful or illegal content

Violations may result in suspension or removal. Billing, cancellation, and refund rights follow the terms of the selected offer and applicable law.

20. Intellectual Property

All content, systems, and materials are owned by Premium Life.

You may not:

Copy or distribute content
Resell materials
Share access without permission

21. Limitation of Liability

To the maximum extent permitted by law:

Premium Life is not liable for any data loss, breaches, or damages
We do not guarantee system performance, reliability, or security
Use of the Services is entirely at your own risk

22. Beta Disclaimer

You acknowledge that:

The platform is in beta
Features may change or break
Downtime or errors may occur

We may modify or discontinue Services at any time.

23. No Professional Advice

All content and AI outputs are for educational purposes only.

We do not provide legal, financial, or medical advice. You are fully responsible for your decisions.

24. Termination

We may suspend or terminate access for misuse or material violation of these terms. Billing, cancellation, and refund rights follow the terms of the selected offer and applicable law.

25. Modifications to Terms

We may update these Terms at any time. Continued use = acceptance of updates.

26. Governing Principles

By using the Services, you confirm:

You participate voluntarily
You accept full responsibility for your actions and data
You understand the experimental nature of the platform

27. Contact

For privacy questions, account requests, or support, visit our Help page or e-mail [email protected].

By using Premium Life, Premium Life Launchpad, or the AI Coach Operating System, you confirm that you have read, understood, and agreed to these Terms in full.

Premium Life Launchpad & AI Coach Operating System

Privacy Policy & Terms and Conditions