TERMS OF SERVICE

Last Updated: December 8, 2025

These Terms of Service (“Terms”) govern your use of the website located at https://EasyLife-Quote.com/ (the “Website”) and any related services provided by EasyLife-Quote (“we,” “us,” “our,” or “Company”).

1. ACCEPTANCE OF TERMS

By accessing and using https://EasyLife-Quote.com/, you agree to abide by these Terms of Service and comply with all applicable laws and regulations, including U.S. federal and state laws. If you do not agree with these Terms, you are prohibited from using this Website or any services provided by EasyLife-Quote.

2. SERVICE DESCRIPTION

EasyLife-Quote.com is a life insurance lead generation platform that connects consumers with insurance providers and agents. We provide comparative quotes, educational information, and facilitate introductions between users and licensed insurance professionals. We are not an insurance provider, broker, or underwriter. We are a marketing and lead generation service.

3. NOT INSURANCE ADVICE OR GUARANTEE

Important Disclaimer: The information provided on this Website is for educational and informational purposes only and does not constitute insurance advice, recommendations, or a guarantee of coverage. EasyLife-Quote does not:

  • Provide personalized insurance advice
  • Guarantee quote accuracy or insurance approval
  • Guarantee specific rates or coverage terms
  • Underwrite or issue insurance policies
  • Act as an insurance agent or broker

You should consult with a licensed insurance professional before making any insurance purchase decisions.

4. AMENDMENTS TO TERMS

EasyLife-Quote reserves the right to review and amend these Terms of Service at our sole discretion. Upon changes, we will update this page. Any modifications will take effect immediately upon publication, unless otherwise stated. Your continued use of the Website constitutes acceptance of amended Terms.

5. LIMITATIONS OF USE

By using this Website, you warrant that you will not:

  • Modify, copy, prepare derivative works of, decompile, or reverse engineer any materials, software, or code contained on this Website
  • Remove any copyright, trademark, or proprietary notations from materials on this Website
  • Transfer materials to another person or “mirror” materials on any other server
  • Use this Website in a manner that abuses, disrupts, or overloads our networks or services
  • Transmit or publish harassing, indecent, obscene, fraudulent, or unlawful material
  • Violate any applicable laws or regulations, including U.S. federal and state laws
  • Send unauthorized advertising, spam, or unsolicited communications
  • Harvest, collect, or scrape user data without explicit consent
  • Use automated systems, bots, or scrapers to extract data from this Website
  • Infringe upon privacy, intellectual property rights, or other rights of third parties
  • Attempt to gain unauthorized access to our systems or databases
  • Use this Website for any illegal purpose or in violation of insurance regulations

6. LEAD GENERATION & DATA USAGE

6.1 Quote Requests

When you submit a quote request through our Website, you authorize EasyLife-Quote to:

  • Share your information with relevant insurance providers, agents, and partners
  • Contact you via phone, email, SMS, or other communication methods to discuss insurance options
  • Use your information in accordance with our Privacy Policy and applicable laws (TCPA, CAN-SPAM, state insurance regulations, etc.)

6.2 Data Rights

You retain ownership of any personal information you provide. By submitting information, you grant EasyLife-Quote a non-exclusive, royalty-free license to use, distribute, and share your data with insurance partners for lead fulfillment purposes.

6.3 Third-Party Sharing

Your information may be shared with multiple insurance companies and licensed agents to provide you with quotes and coverage options. These third parties are independent contractors and operate under their own privacy policies.

7. INTELLECTUAL PROPERTY

The intellectual property in all materials on this Website (including text, graphics, logos, images, software, and design) is owned by or licensed to EasyLife-Quote and protected by copyright and trademark law.

License Grant: We grant you a limited, non-exclusive, non-transferable license to download one copy of materials for personal, non-commercial use only.

License Restrictions: You may not:

  • Republish, distribute, or resell Website materials
  • Use materials for commercial purposes
  • Create derivative works based on our content
  • Remove or alter copyright/trademark notices

Automatic Termination: This license terminates immediately upon any breach of these Terms and may be terminated by EasyLife-Quote at any time.

8. USER-GENERATED CONTENT

You retain intellectual property ownership of any content you submit to us. However, by posting, uploading, or sharing content on our Website, you grant EasyLife-Quote a non-exclusive, royalty-free, worldwide, transferable license to use, reproduce, modify, distribute, and publicly display your content in connection with our services and marketing.

This license continues even after content deletion if it has been used in commercial or sponsored content, until such content is discontinued by us.

9. ACCURACY OF INFORMATION & DISCLAIMERS

9.1 “As-Is” Basis

This Website and all materials are provided “as is” without warranties of any kind. EasyLife-Quote makes no warranties, expressed or implied, regarding:

  • Accuracy or completeness of information
  • Merchantability or fitness for a particular purpose
  • Non-infringement of third-party rights
  • Uninterrupted or error-free service access

9.2 Quote Accuracy

Quotes provided through this Website are estimates only and subject to:

  • Insurance underwriting and approval
  • Verification of health information
  • Actual policy terms and conditions
  • Final underwriter determination

EasyLife-Quote does not guarantee quote accuracy, approval, or specific rates.

9.3 No Medical Exam Claims

References to “no medical exam” policies refer only to specific products offered by certain insurance providers. Not all plans or applicants qualify for no-exam coverage. Final underwriting requirements are determined by the insurance provider.

10. LIMITATION OF LIABILITY

10.1 Consequential Damages

In no event shall EasyLife-Quote or its suppliers be liable for any consequential, indirect, incidental, special, punitive, or exemplary damages, including:

  • Loss of profit, revenue, or business
  • Loss of data or information
  • Loss of goodwill or reputation
  • Business interruption
  • Loss of use or opportunity

This applies even if EasyLife-Quote has been notified of the possibility of such damages.

10.2 Liability Cap

To the extent permitted by law, EasyLife-Quote’s total liability shall not exceed the amount you paid to access this Website (if any).

10.3 Jurisdictional Exceptions

Some jurisdictions do not allow limitations on implied warranties or liability for consequential damages. These limitations may not apply to you depending on your location.

11. THIRD-PARTY LINKS & CONTENT

EasyLife-Quote is not responsible for external websites, links, or content. We have not reviewed all linked sites and do not endorse, approve, or control their content.

Use External Links at Your Own Risk: We strongly advise you to:

  • Review third-party privacy and terms policies
  • Verify credentials of insurance providers
  • Investigate suitability before purchasing policies

12. COMPLIANCE WITH U.S. LAWS

12.1 Insurance Regulations

This Website complies with applicable U.S. insurance marketing and lead generation regulations, including:

  • TCPA (Telephone Consumer Protection Act) – Telemarketing and SMS compliance
  • CAN-SPAM Act – Email marketing compliance
  • State Insurance Laws – Compliance with state insurance regulations and requirements
  • State Insurance Commissioners – Compliance with state regulatory bodies
  • FTC Act – Prohibition of misleading advertising and false claims
  • State Consumer Protection Laws – Compliance with state-specific consumer protection statutes
  • GDPR (General Data Protection Regulation) – For EU residents
  • CCPA (California Consumer Privacy Act) – For California residents
  • Other applicable federal and state laws

12.2 Do-Not-Call & Do-Not-Contact

We respect the National Do-Not-Call Registry and state do-not-contact preferences. If you wish to opt out of communications, contact us at info@easylife-quote.com or reply “STOP” to any SMS message.

12.3 TCPA Compliance

We comply with the Telephone Consumer Protection Act (TCPA):

  • We obtain prior express written consent before sending marketing SMS messages
  • We provide clear identification and contact information in all communications
  • We include a mechanism to unsubscribe from marketing communications
  • We honor unsubscribe requests promptly
  • We maintain the National Do-Not-Call Registry compliance

12.4 CAN-SPAM Compliance

We comply with the CAN-SPAM Act:

  • We obtain prior consent before sending commercial emails
  • We provide accurate sender information in all emails
  • We include a clear subject line that accurately describes the content
  • We include a physical postal address in all marketing emails
  • We provide a clear mechanism to unsubscribe from marketing emails
  • We honor unsubscribe requests within 10 business days

12.5 State-Specific Compliance

We comply with individual state insurance laws and regulations, including:

  • State insurance licensing requirements
  • State insurance commissioner regulations
  • State consumer protection laws
  • State privacy laws (California, Colorado, Connecticut, Utah, Virginia, and others)

13. RIGHT TO TERMINATE

EasyLife-Quote reserves the right to suspend or terminate your access to this Website and these Terms of Service immediately, without notice, for:

  • Breach of these Terms
  • Illegal activity or violation of laws
  • Abuse of our services
  • Misuse of user data
  • Any conduct we deem harmful to our business or users

14. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless EasyLife-Quote, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from:

  • Your use of this Website
  • Your breach of these Terms
  • Your violation of any law or regulation
  • Your infringement of third-party rights
  • Any content you submit or generate

15. SEVERABILITY

If any provision of these Terms is found to be void, unenforceable, or illegal, that provision is severed to the extent necessary. The remaining Terms continue in full effect. If any provision cannot be modified to make it enforceable, it will be eliminated entirely.

16. ENTIRE AGREEMENT

These Terms of Service, along with our Privacy Policy, constitute the entire agreement between you and EasyLife-Quote regarding your use of this Website and supersede all prior negotiations, understandings, and agreements.

17. GOVERNING LAW & JURISDICTION

These Terms are governed by and construed in accordance with the laws of the United States and the state where EasyLife-Quote is located (without regard to conflict of law principles).

Dispute Resolution:

  • You irrevocably submit to the exclusive jurisdiction of federal and state courts in the state where EasyLife-Quote is located
  • You waive any objection based on forum non conveniens
  • Either party may seek injunctive relief in any court of competent jurisdiction

18. CONTACT INFORMATION

For questions about these Terms of Service, contact:

EasyLife-Quote.com

📧 Email: info@easylife-quote.com
📞 Phone: (305) 318-0000
📍 Mailing Address: 18331 Pines Blvd Suite 153, Pembroke Pines, FL 33029

19. DISPUTE RESOLUTION & ARBITRATION

19.1 Informal Resolution

Before initiating formal legal action, you and EasyLife-Quote agree to attempt to resolve disputes through good faith negotiation. Contact us at info@easylife-quote.com to discuss any concerns.

19.2 Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising from or relating to these Terms or your use of the Website shall be settled by binding arbitration in accordance with the American Arbitration Association (AAA) rules.

Arbitration Terms:

  • Arbitration will be conducted in English
  • The arbitrator’s decision is final and binding
  • Each party bears its own costs unless otherwise awarded
  • The arbitration shall take place in the state where EasyLife-Quote is located

19.3 Class Action Waiver

You agree that arbitration shall be conducted on an individual basis and not as a class action, group action, or representative action, to the extent permitted by U.S. law.

20. ELECTRONIC COMMUNICATIONS

By using this Website, you consent to receive electronic communications from us via email, SMS, or push notifications. These communications may include:

  • Quote information and updates
  • Marketing materials
  • Service announcements
  • Legal notices

You can manage communication preferences in your account settings or by contacting us.

21. THIRD-PARTY BENEFICIARIES

These Terms are intended solely for the benefit of you and EasyLife-Quote. No third party has any rights under these Terms.

22. WAIVER

If EasyLife-Quote fails to enforce any right or provision of these Terms, such failure does not constitute a waiver of that right or provision. Any waiver must be made in writing and signed by an authorized representative.

23. ASSIGNMENT

You may not assign or transfer your rights under these Terms without our prior written consent. EasyLife-Quote may assign these Terms to any successor or assignee without restriction.

24. FORCE MAJEURE

EasyLife-Quote shall not be liable for any failure or delay in performing our obligations if such failure or delay is due to circumstances beyond our reasonable control, including but not limited to:

  • Acts of God or natural disasters
  • War, terrorism, or civil unrest
  • Government actions or regulations
  • Internet outages or technical failures
  • Pandemics or epidemics

25. SURVIVAL

The following provisions shall survive termination or expiration of these Terms:

  • Section 7 (Intellectual Property)
  • Section 10 (Limitation of Liability)
  • Section 14 (Indemnification)
  • Section 17 (Governing Law & Jurisdiction)
  • Section 19 (Dispute Resolution & Arbitration)

26. CHANGES TO THESE TERMS

We may update these Terms at any time. When we make material changes, we will:

  • Post the updated Terms on this page
  • Update the “Last Updated” date
  • Notify you via email (for significant changes)
  • Request your consent if required by law

Your continued use of the Website after changes indicates acceptance of the updated Terms.

27. SEVERABILITY OF PROVISIONS

If any provision of these Terms is found to be invalid, illegal, or unenforceable under U.S. law, that provision will be modified to the minimum extent necessary to make it enforceable, or if that is not possible, it will be severed. The remaining provisions will continue in full force and effect.

28. STATE-SPECIFIC VARIATIONS

28.1 California Residents

For residents of California, the following additional provisions apply:

  • Consumer protection provisions of the California Consumer Legal Remedies Act may apply
  • California Consumer Privacy Act (CCPA) rights apply as outlined in our Privacy Policy
  • You may have additional rights under California law

28.2 New York Residents

For residents of New York, these Terms shall be governed by the laws of New York, without regard to conflict of law principles.

28.3 Texas Residents

For residents of Texas, the parties agree that these Terms shall be governed by Texas law.

29. ACCESSIBILITY

EasyLife-Quote is committed to providing accessible services to all users in compliance with the Americans with Disabilities Act (ADA) and Section 508 of the Rehabilitation Act. If you experience accessibility issues while using our Website, please contact us at info@easylife-quote.com.