PRIVACY POLICY

Effective Date: December 8, 2025
Last Updated: December 8, 2025

Your privacy is important to us. EasyLife-Quote.com (“we,” “us,” “our,” or “Company”) is committed to respecting your privacy and complying with applicable laws and regulations regarding personal information we collect through our website at https://EasyLife-Quote.com/ and related services.

This Privacy Policy explains what personal information we collect, how we use it, who we share it with, and your rights regarding your data. We comply with U.S. federal and state privacy laws, including the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, state privacy laws, and the California Consumer Privacy Act (CCPA).

1. WHAT IS PERSONAL INFORMATION?

Personal information is any information that can be used to identify you, including:

  • Identity Information: Name, date of birth, gender, Social Security Number (partial)
  • Contact Information: Email address, phone number, mailing address
  • Health Information: Health history, smoking status, pre-existing conditions, medication use
  • Financial Information: Income level, employment status
  • Device Information: IP address, browser type, device type, operating system
  • Behavioral Information: How you interact with our Website, pages visited, time spent
  • Location Data: Geographic location based on IP address or device settings

2. INFORMATION WE COLLECT

We collect personal information in two ways:

2.1 Voluntarily Provided Information

Information you knowingly and actively provide when:

  • Submitting a quote request through our online form
  • Contacting us via email or phone
  • Creating an account or profile
  • Subscribing to our newsletter or communications
  • Providing feedback or testimonials
  • Interacting with us on social media

Typical information requested includes:

  • Full name
  • Email address
  • Phone number
  • Date of birth
  • Gender
  • Smoking status
  • Health history/pre-existing conditions
  • Income level
  • Employment information
  • Current coverage details
  • Coverage preferences

2.2 Automatically Collected Information

Information automatically sent by your device when accessing our Website:

Log Data:

  • IP address
  • Browser type and version
  • Operating system
  • Pages visited and time spent
  • Referral source (how you found us)
  • Device identifiers
  • Timestamps of your activity
  • Error logs and technical issues

Device Data:

  • Device type (mobile, tablet, desktop)
  • Operating system version
  • Unique device identifiers
  • Device settings
  • Approximate geo-location data
  • Mobile network information

Cookies & Tracking Technologies:

  • Cookies (small data files stored on your device)
  • Web beacons and pixels
  • Google Analytics data
  • Advertising identifiers
  • Session information

Important Note: While this automatically collected data may not identify you individually, it can be combined with other information to personally identify you.

3. HOW WE USE YOUR INFORMATION

We collect and use your personal information for the following purposes:

3.1 Primary Purposes (Lead Generation)

✓ Quote Processing:

  • Generate personalized life insurance quotes
  • Match you with appropriate insurance providers and agents
  • Share your information with insurance companies for quote fulfillment

✓ Contact & Communication:

  • Contact you via phone, email, SMS, or mail regarding your quote request
  • Send insurance quotes and coverage options
  • Respond to your inquiries and customer service requests
  • Provide updates about your application status

✓ Third-Party Sharing:

  • Share your information with licensed insurance agents and brokers
  • Provide data to insurance carriers for underwriting and approval
  • Enable insurance partners to contact you directly with offers

3.2 Secondary Purposes

✓ Service Improvement:

  • Analyze user behavior and website performance
  • Improve our Website, user experience, and services
  • Conduct market research and business analytics
  • Identify trends and user preferences

✓ Marketing & Advertising:

  • Send promotional emails about insurance products and services
  • Display targeted advertisements based on your interests
  • Conduct email marketing campaigns
  • Share information about third-party insurance products we believe may interest you
  • Retargeting campaigns on social media and other platforms

✓ Compliance & Legal:

  • Comply with federal, state, and local laws and regulations
  • Respond to legal requests, subpoenas, or court orders
  • Prevent fraud and verify identity
  • Enforce our Terms of Service and other agreements
  • Protect our legal rights and business interests

✓ Security & Fraud Prevention:

  • Detect and prevent fraudulent activity
  • Protect against unauthorized access
  • Monitor for suspicious behavior
  • Secure our systems and protect user data

We process your personal information based on:

✓ Your Consent: You voluntarily provide information when submitting a quote request
✓ Legitimate Business Interest: Lead generation, marketing, and service improvement
✓ Legal Obligation: Compliance with insurance regulations and laws
✓ Performance of Contract: Fulfilling our obligation to provide quotes

5. LEAD GENERATION & THIRD-PARTY SHARING

Important: EasyLife-Quote.com is a lead generation platform, not an insurance provider or broker.

5.1 How We Share Your Information

When you submit a quote request, your information is shared with:

  • Insurance Carriers: Direct insurers offering life insurance policies
  • Insurance Agents & Brokers: Licensed professionals representing insurance companies
  • Lead Distribution Partners: Third-party companies that fulfill quote requests
  • Marketing Partners: Companies that help market insurance products

You authorize us to share your information with these third parties for the purpose of providing you with insurance quotes and coverage options.

5.2 Third Parties May Contact You

Insurance providers, agents, and brokers may contact you directly via:

  • Phone calls
  • Text messages (SMS)
  • Emails
  • Direct mail
  • Other communication methods

These third parties operate under their own privacy policies and are independent of EasyLife-Quote.com.

5.3 Your Information May Be Resold or Transferred

Your personal information may be:

  • Sold to other lead generation companies or insurance marketers
  • Transferred to affiliates or business partners
  • Used for multiple quote requests across different insurance providers
  • Retained by third parties for future marketing purposes

6. DATA RETENTION

We retain your personal information for:

  • Active Requests: Duration of your quote request processing (typically 30-90 days)
  • Lead Information: Up to 24 months for marketing and follow-up purposes
  • Legal Compliance: As required by insurance laws, tax regulations, or legal obligations (typically 3-7 years)
  • Archival Purposes: Historical records may be retained indefinitely for business purposes

You may request deletion of your information at any time, subject to legal retention requirements.

7. COOKIES & TRACKING TECHNOLOGIES

7.1 What Are Cookies?

Cookies are small data files stored on your device that help us understand how you use our Website and improve your experience.

7.2 Types of Cookies We Use

Essential Cookies:

  • Required for Website functionality
  • Enable form submissions and quote requests
  • Allow you to navigate our site
  • Cannot be disabled without affecting site functionality

Analytics Cookies:

  • Track user behavior, page views, and time spent on pages
  • Help us understand how visitors use our Website
  • Used by Google Analytics to measure site performance
  • Do not personally identify you but may be combined with other data

Marketing & Advertising Cookies:

  • Enable targeted advertising based on your interests
  • Allow us to retarget you on social media and partner sites
  • Track conversion rates and campaign performance
  • Used by Facebook Pixel, Google Ads, and similar platforms

Third-Party Cookies:

  • Placed by advertising partners, analytics providers, and social media platforms
  • Allow external companies to track your behavior across the web
  • Used for interest-based advertising and audience building

7.3 Cookies We Use

Cookie NameProviderPurposeDuration
_gaGoogle AnalyticsTrack unique visitors2 years
_gidGoogle AnalyticsTrack sessions24 hours
fbpFacebookRetargeting & conversion tracking3 months
_fbpFacebookFacebook Pixel tracking3 months
PHPSESSIDEasyLife-QuoteMaintain user sessionSession
marketing_consentEasyLife-QuoteRemember cookie preferences1 year

You have the right to control cookies:

Browser Settings:

  • Most browsers allow you to accept/reject cookies
  • You can delete cookies stored on your device
  • You can set cookie preferences for specific websites

How to manage cookies in popular browsers:

  • Chrome: Settings → Privacy and Security → Cookies and Other Site Data
  • Firefox: Preferences → Privacy & Security → Cookies and Site Data
  • Safari: Preferences → Privacy → Cookies and Website Data
  • Edge: Settings → Privacy → Clear Browsing Data

Third-Party Opt-Outs:

  • Google Analytics Opt-Out Browser Extension: https://tools.google.com/dlpage/gaoptout
  • Network Advertising Initiative Opt-Out: https://optout.networkadvertising.org
  • Digital Advertising Alliance Opt-Out: https://optout.aboutads.info

7.5 Impact of Disabling Cookies

⚠️ Important: If you disable cookies, you may:

  • Lose website functionality
  • Be unable to submit quote requests
  • Experience slower page loading
  • Not receive personalized content

We recommend keeping essential cookies enabled while managing marketing cookies according to your preferences.

When you first visit our Website, you’ll see a cookie consent banner. You can:

  • Accept All: Accept all cookies and tracking
  • Reject Non-Essential: Accept only essential cookies
  • Manage Preferences: Customize your cookie settings
  • Privacy Policy: View this policy for more details

Your choice will be remembered for 12 months.

8. DATA SECURITY

8.1 Security Measures

We implement industry-standard security practices to protect your information:

✓ SSL/TLS encryption for data transmission
✓ Secure servers with firewalls
✓ Access controls and authentication
✓ Regular security audits
✓ Employee privacy training
✓ Confidentiality agreements with third parties

8.2 Limitation of Liability

Important: No method of electronic transmission or storage is 100% secure. While we use commercially acceptable security measures, we cannot guarantee absolute data security. You use our Website at your own risk.

8.3 Your Responsibility

You are responsible for:

  • Protecting your login credentials
  • Not sharing your password
  • Keeping your contact information current
  • Reporting suspected data breaches

9. CHILDREN’S PRIVACY

We do not knowingly collect personal information from children under 13 years old. Our Website and services are not directed at children under 13.

If we discover we have collected information from a child under 13, we will delete it immediately.

Our Website may contain links to third-party websites and services operated by insurance companies, advertisers, or other partners. This Privacy Policy does not apply to these external sites.

We are not responsible for:

  • Third-party privacy practices
  • Third-party content or policies
  • Third-party data collection

Please review the privacy policies of any third-party sites before providing personal information.

11. DISCLOSURE OF PERSONAL INFORMATION

We may disclose your personal information to:

✓ Insurance Industry Partners:

  • Insurance carriers and underwriters
  • Insurance agents and brokers
  • Insurance consultants and advisors

✓ Service Providers:

  • IT and data hosting providers
  • Email marketing platforms
  • Customer relationship management (CRM) systems
  • Payment processors
  • Analytics providers (Google Analytics)
  • Customer support platforms

✓ Affiliates & Business Partners:

  • Parent companies and subsidiaries
  • Joint venture partners
  • Business acquisition partners

✓ Legal & Regulatory Authorities:

  • Law enforcement (pursuant to legal process)
  • Courts and regulatory agencies
  • Tax authorities
  • State insurance regulators and commissioners
  • Federal regulatory bodies

✓ Business Transfer:

  • Potential buyers in merger or acquisition scenarios
  • Successors to our business operations

✓ Data Processing Companies:

  • Third parties that process data on our behalf under contractual agreements

12. INTERNATIONAL DATA TRANSFERS

Your personal information is stored and processed primarily in the United States. If you are located outside the U.S., your information will be transferred to and processed in the United States.

By using our Website, you consent to the transfer of your information internationally, which may have different data protection laws than your country.

We will protect transferred information in accordance with this Privacy Policy and applicable U.S. privacy laws.

13. DATA BREACH NOTIFICATION

In the event of a data breach involving your personal information, we will:

✓ Notify you without unreasonable delay
✓ Provide details of the breach
✓ Explain steps we’re taking to address it
✓ Offer resources to protect your information (credit monitoring, etc.)
✓ Notify relevant regulatory authorities if required by law

Notification will be via email or phone, consistent with applicable laws.

14. COMPLIANCE WITH U.S. LAWS

We comply with the following U.S. laws and regulations:

✓ TCPA (Telephone Consumer Protection Act):

  • Comply with National Do-Not-Call Registry requirements
  • Obtain prior express written consent for SMS communications
  • Provide clear opt-out options

✓ CAN-SPAM Act:

  • Obtain prior consent before sending commercial emails
  • Provide accurate sender information
  • Include opt-out mechanisms in all marketing communications
  • Honor unsubscribe requests within 10 business days

✓ State Insurance Laws:

  • Compliance with state insurance regulations
  • Adherence to state insurance licensing requirements
  • Compliance with state consumer protection laws

✓ FTC Act:

  • Prohibition of misleading advertising
  • Truthful representation of insurance products and services

✓ State Privacy Laws:

  • CCPA (California)
  • CDPA (Colorado)
  • CTDPA (Connecticut)
  • VCPA (Virginia)
  • UDAP (Utah)
  • Other applicable state privacy laws

✓ GDPR (General Data Protection Regulation):

  • For EU residents’ personal information

15. YOUR PRIVACY RIGHTS & CHOICES

15.1 Right to Access Your Information

You have the right to request what personal information we hold about you. Contact us to submit an access request. We will provide information in a clear and understandable format within 30 days.

15.2 Right to Correct or Update Information

If you believe any information we hold is inaccurate, incomplete, or outdated, please contact us. We will take reasonable steps to correct it within 30 days.

15.3 Right to Delete Your Information

You may request deletion of your personal information, subject to:

  • Legal retention obligations
  • Active quote requests or pending applications
  • Fraud prevention needs

We will respond to deletion requests within 30 days and provide reasons if we cannot comply.

15.4 Opt-Out of Communications

Email Marketing (CAN-SPAM Compliance):

  • Click “Unsubscribe” in any marketing email
  • Contact us at info@easylife-quote.com

SMS/Text Messages (TCPA Compliance):

  • Reply “STOP” to any text message
  • Email: info@easylife-quote.com with your phone number

Phone Calls (TCPA Compliance):

  • Request to be placed on our Do-Not-Call list
  • Email: info@easylife-quote.com
  • Ask to be added to our internal suppression list

Targeted Advertising:

  • Adjust your browser privacy settings
  • Use the Network Advertising Initiative opt-out tool
  • Adjust device advertising preferences

15.5 Right to Lodge a Complaint

If you believe we have not complied with applicable privacy laws, you have the right to:

  • Contact our Privacy Officer
  • File a complaint with the Federal Trade Commission (FTC): https://www.ftc.gov
  • File a complaint with your state’s attorney general
  • File a complaint with the specific state privacy authority (if applicable)

16. CALIFORNIA CONSUMER PRIVACY ACT (CCPA) RIGHTS

16.1 CCPA Overview

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you specific rights regarding your personal information.

16.2 Your CCPA Rights

Right to Know (Access):

  • You have the right to request what personal information we collect about you
  • We will provide a copy in a portable, understandable format
  • You can make this request up to twice per year

Right to Delete:

  • You can request deletion of personal information we’ve collected from you
  • We will delete unless we have a legal reason to retain it

Right to Opt-Out of the “Sale” or “Sharing” of Personal Information:

  • You can request that we do not “sell” or “share” your personal information
  • As a lead generation company, we may share your information with insurance providers
  • You can opt out of this sharing

Right to Correct:

  • You can request that we correct inaccurate personal information
  • We will use reasonable efforts within 45 days

Right to Limit Use & Disclosure:

  • You can limit how we use your personal information
  • You can restrict use of sensitive personal information

Right to Non-Discrimination:

  • We will not discriminate against you for exercising your CCPA rights
  • We will not deny goods or services
  • We will not charge different prices or rates
  • We will not provide different quality of service

16.3 How to Exercise Your CCPA Rights

To submit a CCPA request, contact:

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

In Your Request, Include:

  • Your full name
  • Email address
  • Phone number
  • Specific right you wish to exercise (access, delete, opt-out, correct, limit)
  • Detailed description of your request

16.4 Response Time & Verification

Response Timeline:

  • We will respond to requests within 45 days
  • We may request an extension of up to 45 additional days if necessary

Identity Verification:

  • We may request additional information to verify your identity
  • We will only use this information to verify your request

16.5 Do Not Sell or Share My Personal Information (CCPA)

California residents can opt out of the “sale” or “sharing” of personal information by:

  1. Click the “Do Not Sell My Personal Information” link at the bottom of this page
  2. Send an email to: info@easylife-quote.com
  3. Call us at: (305) 318-0000
  4. Mail us at: 18331 Pines Blvd Suite 153, Pembroke Pines, FL 33029
  5. Provide your name and email address

We will process your request within 15 business days.

16.6 CCPA Summary

RightHow to ExerciseResponse Time
AccessContact info@easylife-quote.com45 days
DeleteContact info@easylife-quote.com45 days
Opt-OutClick link below or contact us15 days
CorrectContact info@easylife-quote.com45 days
Limit UseContact info@easylife-quote.com45 days

16.7 Shine the Light Law (California Civil Code §1798.83)

California residents have the right to request information about our disclosure of personal information to third parties for their direct marketing purposes.

To submit a request under California’s “Shine the Light” law, contact:

📧 Email: info@easylife-quote.com

17. OTHER STATE PRIVACY RIGHTS

17.1 Colorado Privacy Act (CDPA)

If you are a Colorado resident, you have the following rights:

  • Right to access personal information
  • Right to delete personal information
  • Right to opt out of targeted advertising
  • Right to opt out of profiling

17.2 Connecticut Data Privacy Act (CTDPA)

If you are a Connecticut resident, you have the following rights:

  • Right to access personal information
  • Right to delete personal information
  • Right to opt out of sale or sharing
  • Right to opt out of profiling

17.3 Virginia Consumer Data Protection Act (VCPA)

If you are a Virginia resident, you have the following rights:

  • Right to know what personal information is collected
  • Right to delete personal information
  • Right to opt out of sale or sharing
  • Right to correct inaccurate information

17.4 Utah Consumer Privacy Act (UCPA)

If you are a Utah resident, you have the following rights:

  • Right to access personal information
  • Right to delete personal information
  • Right to opt out of sale or sharing

17.5 How to Exercise State Privacy Rights

To exercise any state privacy rights, contact:

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

18. EUROPEAN PRIVACY RIGHTS (GDPR)

If you are located in the European Union or European Economic Area, you have rights under GDPR:

✓ Right of Access: Access your personal data
✓ Right to Rectification: Correct inaccurate data
✓ Right to Erasure: Request deletion (“right to be forgotten”)
✓ Right to Restrict Processing: Limit how we use your data
✓ Right to Data Portability: Receive your data in a portable format
✓ Right to Object: Object to processing of your data
✓ Right to Lodge a Complaint: File a complaint with your data protection authority

To exercise these rights, contact:
📧 Email: info@easylife-quote.com

19. OUR PRIVACY OFFICER

For privacy inquiries and complaints, contact:

Privacy Officer
📧 Email: info@easylife-quote.com
📞 Phone: (305) 318-0000

We will respond to all privacy inquiries within 30 days.

20. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy at any time to reflect:

  • Changes to our practices
  • Legal or regulatory updates
  • Technology improvements
  • Business changes

When we make material changes, we will:

  • Post the updated policy on this page
  • Update the “Last Updated” date
  • Notify you via email (for significant changes)
  • Request your consent if required by law
  • Provide a 30-day notice period before material changes take effect

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

21. CONTACT US

For questions, concerns, or to exercise your privacy rights, please contact:

EasyLife-Quote.com

📧 Email: info@easylife-quote.com
📞 Phone: (305) 318-0000
📍 Mailing Address: 18331 Pines Blvd Suite 153, Pembroke Pines, FL 33029
🕐 Response Time: We will respond to requests within 30 days

For privacy-specific concerns:

Privacy Officer
📧 Email: info@easylife-quote.com

Email Opt-Out (CAN-SPAM Compliance)

To unsubscribe from marketing emails:

  • Click “Unsubscribe” in any email
  • Email: info@easylife-quote.com
  • Reply with “UNSUBSCRIBE”

SMS/Text Opt-Out (TCPA Compliance)

To stop receiving text messages:

  • Reply “STOP” to any text message
  • Email: info@easylife-quote.com with your phone number

Phone Call Opt-Out (TCPA Compliance)

To be added to our Do-Not-Call list:

  • Call: (305) 318-0000
  • Email: info@easylife-quote.com

Targeted Advertising Opt-Out

To opt out of targeted advertising:

  • Google: https://adssettings.google.com
  • Facebook: https://www.facebook.com/ads/preferences
  • Digital Advertising Alliance: https://optout.aboutads.info

Do Not Sell My Personal Information (CCPA – California)

California residents can opt out of the sale or sharing of personal information by:

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

23. ACKNOWLEDGMENT

By using EasyLife-Quote.com, you acknowledge that:

✓ You have read and understood this Privacy Policy
✓ You consent to our collection and use of your personal information
✓ You authorize us to share your information with insurance providers and partners
✓ You understand your information may be used for marketing purposes
✓ You have read our Terms of Service
✓ You understand our compliance with U.S. privacy laws (TCPA, CAN-SPAM, CCPA, state laws)