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Privacy Policy

Terms of Service

1. Terms of Service

These terms of service ("Terms") govern each user's ("user" or "you" or "your") access to and use of this site, and all other services we provide (collectively, the "Services"), as well as any information, files or other materials uploaded, downloaded, transmitted or appearing on the Services (collectively referred to as "Content"). Your access to and use of the Services is conditioned on your acceptance of and compliance with these Terms. By registering with the Services, uploading or downloading Content, or otherwise actively using the Services, you agree to be bound by these Terms. The Services are owned and provided by Ezinsuranceguide.us ("Ezinsuranceguide" or "we" or "us").

We are not an insurance carrier, agent, or broker and are not affiliated with any plan or endorsed by any government entity or agency. We connect individuals with insurance providers and other affiliates (collectively, "partners") to give you, the consumer, an opportunity to get information about insurance and connect with licensed insurance agents. By completing the quotes form or calling the number listed above, you will be directed to a partner that can connect you to an appropriate licensed insurance agent who can answer your questions and discuss plan options.

2. Access

You are responsible for your use of the Services, for any Content you post to or distribute through the Services, and for any consequences thereof. You are responsible for the actions of each person who uses your account, whether or not you have expressly authorized that person to use your account. The Content you submit, post, or display may be viewed by other users of the Services and through third party services and websites. You should only upload, share or transmit Content that you have the right to upload, share or transmit, and that you are comfortable sharing with others under these Terms. By uploading Content to the Services, you irrevocably grant us a perpetual, irrevocable, royalty-free, worldwide license to transmit, copy and use that Content, and create derivative works thereof, as we deem necessary and appropriate ("Content License").

You may use the Services only if you are 18 years old or older. You may use the Services only in compliance with these Terms and all applicable local, state, national, and international laws, rules and regulations.

The Services are always evolving and the form and nature of the Services may change from time to time without prior notice. In addition, Ezinsuranceguide may stop (permanently or temporarily) providing the Services or any features within the Services to you or to other users without notice. Ezinsuranceguide also retains the right to create limits on use and storage at Ezinsuranceguide's sole discretion at any time without prior notice.

3. Privacy

Any personally-identifiable information and other Content that identifies you ("Personal Data") is subject to our Privacy Statement, which governs our collection and use of your Personal Data. California residents are also subject to the provisions entitled "Your California Privacy Rights." You consent to the collection and use of Personal Data, including the transfer of Personal Data between you (wherever you may be) and us (which means each location from which we Provide our Services), including any transfer of Personal Data between countries, for storage, processing and use by Ezinsuranceguide and by others. As part of providing you the Services, we may need to provide you with certain communications, such as service announcements and administrative messages. These communications are considered part of the Services and your account, which you may not be able to opt-out from receiving so long as you receive the Services.

In order to use some features of the Services, you may need to "opt-in" to receiving text message or other communications from others. You agree to initiate text messages or other communications with others only after you have received their permission to do so or are otherwise permitted to do so under local, state, and Federal rules, laws, and ordinances. You further agree to stop sending text messages or other communications to others after receiving such a request.

4. Content on the Services

The Services include a marketing platform for providing interested consumers for insurance carriers, agents, brokers and related entities. Each such communication is Content. All Content, whether publicly or privately transmitted or posted, is the sole responsibility of the person who posts or transmits the Content. We do not monitor or control the Content posted via the Services and we are not responsible for Content. Any use or reliance on any Content or other materials posted via the Services or obtained by you through the Services is at your own risk.

Products and services are provided exclusively by our partners, but not all offer the same plans or options. Possible options that may be offered include, but are not limited to, ACA-Qualified Plans, Medicare Plans, Short Term Plans, Christian/Health Sharing Plans, and Fixed Indemnity Plans. Descriptions are for informational purposes only and subject to change. We encourage you to shop around and explore all of your options. We are not affiliated with or endorsed by any government entity or agency.

We do not endorse, support, represent or guarantee the completeness, truthfulness, accuracy, or reliability of any Content or communications posted via the Services.

We or our users may use the Services to provide information or discussion on a variety of topics, including healthcare. We are not a healthcare provider. We do not endorse any particular advice or recommendations which made be made via the Services, and we strongly recommend that you seek the advice of a medical professional before making any decisions regarding your healthcare.

We do not endorse any opinions expressed via the Services. You understand that by using the Services, you may be exposed to Content that might be offensive, harmful, inaccurate or otherwise inappropriate, or in some cases, Content that has been mislabeled or is otherwise deceptive. Under no circumstances shall Ezinsuranceguide be liable for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Services or broadcast elsewhere.

If you see any Content on the Services that you consider offensive or that you think may violate these Terms of Service, please contact us at contact@Ezinsuranceguide.us so that we may review it. While we have the right to delete or remove from public view any Content for any reason, we also reserve the right not to remove Content that some users consider offensive or in violation of the Terms of Service, but which we do not consider offensive or in violation of the Terms of Service.

5. Your Rights

You retain ownership or other rights you may have to any Content you submit, post or display on or through the Services. By submitting, posting or displaying Content on or through the Services, you grant us the Content License, as stated above.

You are responsible for your use of the Services, for any Content you provide, and for any consequences thereof, including the use of your Content by other users and our third party partners. You understand that the Content you submit may be rebroadcast or distributed by us, by our partners, and by the recipients of your Content. If you do not have the right to submit Content for such use, it may subject you to liability. Ezinsuranceguide will not be responsible or liable for any transmission or use of your Content. You represent and warrant that you have all the rights, power and authority necessary to grant the rights granted herein to any Content that you submit.

6. Ezinsuranceguide's Rights

All rights, titles, and interests in and to the Services are and will remain the exclusive property of Ezinsuranceguide and its licensors (including other users). The Services are protected by copyright, trademark, and other laws of the United States and other countries around the world. Nothing in the Terms gives you a right to use the Ezinsuranceguide name or any of Ezinsuranceguide's trademarks, logos, domain names, or other distinctive brand features. Any feedback, comments, or suggestions you may provide regarding Ezinsuranceguide or the Services is entirely voluntary and Ezinsuranceguide will be free to use your feedback, comments or suggestions as we see fit and without any obligation to you.

7. Restrictions on Content and Use of the Services

We reserve the right at all times (but we do not have the obligation) to remove or refuse to distribute any Content on the Services and to terminate users and reclaim user names. We also reserve the right to access, read, preserve, and disclose any Content or other information for any reason in our sole discretion, including without limitation to satisfy any applicable law, regulation, legal process or governmental request, enforce the Terms, including investigation of potential violations hereof, detect, prevent, or otherwise address fraud, security or technical issues, respond to user support requests, or protect the rights, property or safety of Ezinsuranceguide, its users and the public.

You may not do any of the following while accessing or using the Services:

access, tamper with, or use non-public areas of the Services, Ezinsuranceguide's computer systems, or the technical delivery systems of the website's systems;
probe, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measures;
access or search or attempt to access or search the Services by any means (automated or otherwise) other than through our currently available interfaces published by Ezinsuranceguide (and only pursuant to those interfaces), unless you have been specifically allowed to do so in a separate written agreement signed by Ezinsuranceguide;
forge any TCP/IP packet header or any part of the header information in any email or posting, or in any way use the Services to send altered, deceptive or false source-identifying information; or
interfere with, or disrupt, (or attempt to do so), the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, mail-bombing the Services, or by scripting the creation of Content in such a manner as to interfere with or create an undue burden on the Services.

8. Intellectual Property Policy

Ezinsuranceguide respects the intellectual property rights of others and expects users of our Services to do the same. We will respond to notices of alleged copyright or other intellectual property infringement that comply with applicable law (including the Digital Millennium Copyright or "DMCA" at 17 U.S.C. §512) and are properly provided to us. If you would like the benefit of your legal protections under the DMCA, please review the DMCA to ensure your compliance.

If you believe that your Content has been copied in a way that constitutes copyright infringement or the infringement of other intellectual property rights, please send us a written request to remove the allegedly-infringing Content ("takedown notice").

Each takedown notice must be in English and include the following information:

Identification of the work claimed to have been infringed.
Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled.
Information reasonably sufficient to permit us to locate the material (e.g., a detailed uniform resource locator or "URL").
Your contact information, including your postal address, telephone number, and an email address.
A statement by you that you have a good faith belief that use of the Content or other material in the manner complained of is not authorized by the copyright owner or other owner, its agent, or the law.
A statement that the information in the notice is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner or other owner.
A physical or electronic signature of the copyright owner, other owner, or a person authorized to act on their behalf.

On our receipt of a takedown notice, we may publish the takedown notice to the general public, or provide a copy of the takedown notice to the user that uploaded or provided the Content accused to be infringing ("Accused Content"). For any takedown notice that is subject to the provisions of the DMCA, the original provider of the Accused Content may have the right to send a notice to us (called a "counter notice") demanding that the Accused Content be restored to the Services.

In compliance with the DMCA or other applicable law, we may implement any takedown notice by removing the Accused Content or other material from public view on the Services, and we may implement any counter notice by restoring the Accused Content or other material to public view on the Services. In either case, Ezinsuranceguide shall bear no liability to you or anyone else for the posting, removal or re-posting of any Accused Content.Independent of the DMCA and any other applicable laws or regulations, we reserve the right to remove any Accused Content without prior notice, at our sole discretion, and without liability to you or anyone else. In appropriate circumstances, Ezinsuranceguide will also terminate a registered user's account if we determine the registered user to be a repeat infringer.

Our designated copyright agent for sending takedown notices and counter notices is:
Ezinsuranceguide, LLC
1805 N. Carson St., #402 Carson City, NV 89701 Email: contact@Ezinsuranceguide.us

9. The Services are Provided "As-Is" and "As Available"

YOUR ACCESS TO AND USE OF THE SERVICES AND ANY CONTENT IS AT YOUR OWN RISK. YOU UNDERSTAND AND AGREE THAT THE SERVICES ARE PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS. WITHOUT LIMITING THE FOREGOING, Ezinsuranceguide, ITS PARTNERS AND THEIR LICENSORS DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SERVICES AND THE CONTENT, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE MAKE NO WARRANTY AND DISCLAIM ALL RESPONSIBILITY AND LIABILITY FOR THE COMPLETENESS, ACCURACY, AVAILABILITY, TIMELINESS, SECURITY OR RELIABILITY OF THE SERVICES OR ANY CONTENT THEREON. Ezinsuranceguide SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY HARM TO YOUR COMPUTER SYSTEM, LOSS OF DATA, LOSS OF MONEY, LOSS OF BUSINESS OPPORTUNITY, OR OTHER HARM THAT RESULTS FROM YOUR ACCESS TO OR USE OF THE SERVICES, OR ANY CONTENT. YOU ALSO AGREE THAT Ezinsuranceguide HAS NO RESPONSIBILITY OR LIABILITY FOR THE DELETION OF, OR THE FAILURE TO STORE OR TO TRANSMIT, ANY CONTENT AND OTHER COMMUNICATIONS MAINTAINED BY THE SERVICES. WE MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM Ezinsuranceguide, THROUGH THE SERVICES, OR OTHERWISE, WILL CREATE ANY WARRANTY OR REPRESENTATION NOT EXPRESSLY MADE HEREIN.

10. Links

The Services may contain links to or integration with third-party websites, software, or resources ("third party systems"). You acknowledge and agree that Ezinsuranceguide is not responsible or liable for the availability or accuracy of such third party systems, or the content, products, or services on or available from such third party systems. Links to such third party systems do not imply any endorsement of such third party systems or the content, products, or services available from such third party systems. You acknowledge sole responsibility for and assume all risk arising from your use of any such third party systems.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Ezinsuranceguide, ITS PARTNERS, ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS AND LICENSORS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, ANY LOSS OF PROFITS, DATA, USE, GOOD WILL, OR OTHER LOSSES, RESULTING FROM (i) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (ii) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES, INCLUDING WITHOUT LIMITATION, ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES; (iii) ANY CONTENT OBTAINED FROM THE SERVICES; AND (iv) UNAUTHORIZED ACCESS, USE OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, WHETHER OR NOT Ezinsuranceguide HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

12. Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.

13. Waiver and Severability

The failure of either party to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. In the event that any provision of these Terms is held to be invalid or unenforceable, the remaining provisions of these Terms will remain in full force and effect.

14. Controlling Law and Jurisdiction

These Terms and any action related thereto will be governed by the law of the State of Florida, and the federal law of the United States, without regard to or application of any conflict of laws principles or rules. The U.N. Convention on Contracts for the International Sale of Goods does not apply to these Terms. You agree to indemnify and hold us harmless for any losses, costs, liabilities and expenses (including but not limited to court costs, legal fees, awards or settlements) relating to or arising out of your use of the Services, including any breach by you of the Terms or any allegation that you have infringed the intellectual property rights or other rights of another person. This indemnity obligation shall survive any termination or expiration of these Terms or your use of the Services.

Any controversy or claim between the parties or arising out of these Terms or any Services shall be determined by one arbitrator in binding arbitration administered by the American Arbitration Association pursuant to its Commercial Arbitration Rules. We anticipate that you may be geographically distant from our offices. Accordingly, to reduce the cost of resolving any dispute, all arbitration hearings will be conducted by video conference or audio conference. The arbitral award will be final and binding, and may be entered and enforced in any court of competent jurisdiction.

15. Entire Agreement

These Terms, our Privacy Statement, our Cookie Policy, and, where applicable, Your California Privacy Rights, are the entire and exclusive agreement between Ezinsuranceguide and you regarding the Services (excluding any services for which you have a separate written agreement signed by Ezinsuranceguide that expressly states it is in addition to or in place of these Terms), and these Terms supersede and replace any prior agreements between Ezinsuranceguide and you regarding the Services. We may revise these Terms from time to time and post the revised version of the Terms on the Services. If the revision, in our sole discretion, is material we may notify you via an e-mail to the email address associated with your account. By continuing to access or use the Services after those revisions become effective, you agree to be bound by the revised Terms.

If you have any questions about these Terms, please contact Ezinsuranceguide at:
Ezinsuranceguide 1805 N. Carson St., #402 Carson City, NV 89701 Email: contact@Ezinsuranceguide.us

16. Revision History

Date of this revision: September 20, 2021
Dates of Prior Revisions: None

Privacy Statement

We are Ezinsuranceguide, LLC ("Ezinsuranceguide", "we", "us" and "our"). Among other things, we are a marketing and communications platform to generate interested consumers for products and services offered by our clients. The Services include a marketing platform for providing interested consumers for insurance carriers, agents, brokers and related entities, (collectively, the "Services").

Each person or entity who uses our Services is referred to as a "user" or "you" or "your". If you subscribe to any of our Services, we will refer to you as a "registered user". If you don't register with us, we will refer to you as an "unregistered user". This Privacy Statement and our Terms of Service ("Terms") apply to each user.

This document is our statement of our privacy practices ("Privacy Statement"). Among other things, it explains how we and some of the companies we work with collect, use, share and protect the information you provide to us ("your Content" or "User Content"). The User Content may include any personally-identifiable information, including without limitation name, address, telephone numbers, electronic mail and postal addresses, personal financial information, and other sensitive information that identifies or is uniquely associated with an individual (collectively, "Personal Data"). This Privacy Statement also discusses your choices about the collection, storage and use of your Personal Data.

Any Content that is not Personal Data is referred to as "Non-Personal Data." Non-Personal Data includes information about how users use the Services, what Services users select, how users respond to service offerings, how users share information with others, what users say they like and dislike, all of which we aggregate into larger data sets that do not identify individuals ("Behavioral Data").

Among other services, Ezinsuranceguide connects users with other users, and with companies who provide goods or services which may have value to our users (collectively, "Partners"). This Privacy Statement does not apply to any Partners or to any other websites, mobile applications, or businesses. This Privacy Statement does not apply to any Personal Data or other Content collected via any means other than the Services.

By using our Services, you consent to the collection, transfer, analysis, transformation, storage, disclosure and other uses of your Content, including your Personal Data, as described in this Privacy Statement.

1. Information We Collect

As noted above, we collect Content from you while providing the Services. Some of the Content is Personal Data that we use to contact you and connect you with other users, and which is necessary to provide the Services. Other Content we collect from you, Behavioral Data and other Non-Personal Data that we aggregate, share, and use to improve our Services, and others in the industry. We collect many different types of information from you, both directly and indirectly.

Information you provide us directly
Registration information. When you create or modify an account, or subscribe to our Services, you provide Personal Data to us, such as your user name, password, postal address and email address.

Payment information. Except for particular cases where we obtain a written credit card authorization (and subject to the terms of the written authorization), we use a third-party payment processor ("Processor") to process your payments, so we do not store your credit card numbers or other payment information. Please note that our Processor does store and process your credit card numbers and other payment information in accordance with the Processor's privacy policy and subject to applicable law.

Profile information. You may provide us with additional profile information that you choose to make public or share with other users. You may also provide information to customize your account, such as a telephone number for the delivery of short message system ("SMS") or text messages. We may use your contact information to send you information about our Services, events for which you've registered, any orders you place, or to market to you. You may use your account settings to customize notifications from us. If you email us, we may keep your message, email address and contact information to respond to your request.

Location Information. We may ask for your postal address or your geographic location information, especially if you place an order for Services with us. When you post User Content to our website or to social media, you may provide your location information, including global positioning system ("GPS") data or other location information embedded in or accompanying the User Content (e.g., in tags or captions).

Communications between you and Ezinsuranceguide: We may send you emails, SMS or text messages, and other electronic communications for sales and delivery, account verification, notices of changes/updates to features of the Services, technical and security notices, and for other purposes. We may collect and store these communications.

Information we gather from your use of our Services
We collect and may save private emails sent to us by users, and we may share your emails with any third parties or other users. Any public posts on the Services may be viewed by any user and are public to anyone who visits the Services. You may elect to disclose certain Personal Data and Non-Personal Data. The information you submit in any public forums is not confidential or private, and Ezinsuranceguide does not protect it. All information you choose to provide publicly, including information that identifies you or others, can be read, collected, or used by other users and by other third parties, and could be used to send you unsolicited messages and for other purposes.

Social Media. In addition to media that we control, you may post comments, photographs, drawings and other User Content on third party social media, such as Facebook, Instagram and Twitter, each of which enforces its own terms of use and privacy policy for its service. As noted in the Terms and our other online documents, we may use and copy the User Content you post. More to the point, your User Content may contain Personal Data about you and other people in the form of names, email addresses, and location information. You should also be aware that a photograph or drawing of a person may be Personal Data to the extent the person may be recognized in and identified by the photograph or drawing. We may collect and use User Content and the Personal Data contained in the User Content to market our Services.

We use third-party analytics tools to help us measure traffic and usage trends and other Non-Personal Data for the Services. These tools collect information sent by your device or our Services, including the web pages you visit, add-ons, and other information that assists us in improving our Services. We collect and combine this analytics information with analytics information from other users so that it cannot be used to identify any particular individual user. One of the analytics tools we use is Google Analytics. For more information and steps you can take to control Google's collection and use of your data, please visit Google's page, "How Google uses data when you use our partners' sites or apps"; https://www.google.com/policies/privacy/partners. Google also provides an opt-out plugin for web browsers, available here; https://tools.google.com/dlpage/gaoptout/

Metadata is usually technical data that is associated with other data, including User Content. For example, metadata can describe how, when and by whom an item of User Content was collected and how that User Content is formatted. Ezinsuranceguide may collect and store metadata, including about each user's public posts on the Services.

Ezinsuranceguide may keep track of how you interact with links across our Services, including our email notifications and third-party Services by redirecting clicks or through other means. We do this to help improve our Services, to provide more relevant local data, and to be able to share aggregate click statistics such as how many times a particular link was clicked on.

Device Identifiers. We may access, collect, monitor, store on your device, or remotely store one or more "device identifiers." Device identifiers are small data files or similar data structures stored on or associated with your computer, phone or other device, which uniquely identifies your device. A device identifier may be data stored in connection with the device hardware, data stored in connection with the device's operating system or other software, or data sent to the device by Ezinsuranceguide. A device identifier may deliver information to us or to a third-party partner about how you browse and use the Services and may help us or others provide reports or personalized Content and ads. Some features of the Services may not function properly if use or availability of device identifiers is impaired or disabled.

Log Data. Our servers automatically record information ("Log Data") created by your use of the Services. Log Data may include information such as your Internet Protocol ("IP") address, browser type, operating system, the referring web page, pages visited, location, your mobile carrier, device and application IDs, search terms, and cookie information. We receive log data when you interact with our Services, for example, when you visit our website, sign into our Services or interact with our email notifications. Ezinsuranceguide uses log data to review how we provide our Services and to measure, customize, and improve the Services.

2. How We Store Your Information

We currently provide the Services from within the United States, and we store all User Content, including Personal Data, that we currently collect and retain on servers inside the United States.

In the future, we may store Personal Data and other User Content on servers located outside the United States.

Certain types of User Content you submit to us might reveal your gender, ethnic origin, nationality, age, religion, sexual orientation, or other Personal Data about you or others.

By using our Services, or by submitting your personal Information to us, you consent to the collection, storage, processing and onward transfer of your personal Information as stated in the current version of this Privacy Statement and the current version of our other online documents, including the Terms of Service.

3. How We Use Your Information

We share and use your Personal Data in the following circumstances:

Partners and Affiliates of Ezinsuranceguide. We may share your Personal Data with Partners and with our Ezinsuranceguide affiliates (meaning entities controlled by, controlling or under common control with Ezinsuranceguide) as necessary to sell and provide the Services. However, any Personal Data stored in one country or jurisdiction would not be forwarded to another country or jurisdiction, except in compliance with applicable laws and regulations. If you wish to opt out please Email us at contact@Ezinsuranceguide.us

Cookies. Cookies are unique identifiers that we transfer to your device to enable our systems to recognize your device and to provide features and remember your personalization choices. We use cookies to make it easier to access and use our Services. The help feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Additionally, you can disable or delete similar data used by browser add-ons, by changing the add-on's settings or visiting the website of its manufacturer. Because cookies allow you to take advantage of some of the Service's essential features, we recommend that you leave them turned on. Cookies are also used to display particular Content and to set session identifiers for visitors who voluntarily join user areas.

Do Not Track. We make reasonable efforts to honor the "do not track" settings on users' devices.

Opt-out Email or Postal Address. If you supply us with your postal or email address you may receive periodic mailings from us with information on new products and services or upcoming events. If you do not want to receive such mailings, please let us know by sending an email to us at the "opt-out" address, below. We will remove your name from the list we use internally. Opting-out of these emails does not mean we remove your email from our system entirely, because we still retain your email addresses for other purposes.

Service Providers. We employ third party companies and individuals to facilitate our Services (e.g., payment processing, maintenance, analysis, audit, marketing and development, or to ensure that we are complying with the laws and requirements of various jurisdictions while providing the Services). These third parties may have limited access to your Personal Data only to perform these tasks on our behalf and are obligated to Ezinsuranceguide not to disclose or use your Personal Data for other purposes.

Required by Law. We may access, preserve and share your Personal Data in response to a legal request (like a search warrant, court order or subpoena). We may also access, preserve and share Personal Data when we have a good faith belief it is necessary to: detect, prevent and address fraud and other illegal activity; to protect ourselves, you and others, including as part of investigations; and to prevent death or imminent bodily harm. Information we receive about you may be accessed, processed and retained for an extended period of time when it is the subject of a legal request or obligation, governmental investigation, or investigations concerning possible violations of our terms or policies, or otherwise to prevent harm.

National Security and Intelligence Activities. We may release your Personal Data to authorized federal officials for intelligence, counterintelligence and other national security activities when required by law. For example, under current law in the United States, certain federal officials may require that we provide Personal Data and other Content in response to a national security letter, subpoena, demand, or court order. In some cases, we would be required not to tell you that we complied with that letter, subpoena, demand, or court order. Where permitted by applicable law, we reserve the right to comply with, or to fight or quash, any such letter, subpoena, demand, or court order.

Change of Control. If we sell or otherwise transfer part or the whole of Ezinsuranceguide or our assets to another organization (e.g., a merger, acquisition, or reorganization), your Personal Data such as user name and email address, User Content and any other information collected through the Services may be among the items sold or transferred.

Non-Personal Data. We may share Non-Personal Data publicly and with publishers, researchers or connected sites. For example, we may share aggregated Non-Personal Data publicly to show trends about the general use of our Services. Non-Personal Data includes aggregated or collective information about multiple users that does not reflect or reference an individually-identifiable user.

In addition to some of the specific uses of information we describe in this Privacy Statement above, we may use Personal Data that we receive to:

help you efficiently access your information after you sign in;
remember information so you will not have to re-enter it during your visit or the next time you visit the Services;

provide, improve, test, and monitor the effectiveness of our Services. develop and test new products and features;

monitor metrics such as total number of visitors, traffic, and demographic patterns. diagnose or fix technology problems; or

Implement display ads from Google; for more information on Google AdWords; (see https://marketingplatform.google.com/about/analytics/terms/us/).

You can find more information on Google privacy policy site at https://policies.google.com/technologies/partner-sites

4. Your Right to Review, Request Changes, and Disclose Personal Data

Subject to applicable laws and regulations, each user may inspect and receive a copy of his or her Personal Data as stored in the Services. In rare circumstances, we may deny a request, and we may provide you with an explanation. If we deny your request, you may request a review by another professional, who will be chosen by Ezinsuranceguide, and we will comply with the outcome of the review.

Subject to applicable laws and regulations, the Personal Data you provide to us remains completely under your control. If you believe the Personal Data we have is incorrect or incomplete, you may in writing request an amendment to your Personal Data. We will approve or deny each request, and notify you of our decision. If approved, we will amend the Personal Data. We will also make a reasonable effort to notify people to whom the Personal Data was released. In the case of a denial, we will provide the reason for the denial and instructions on how to appeal.

Any information or User Content that you voluntarily disclose for use of the Services, such as your user name, your Personal Data or your User Content, may become available to the public if you release it to other users or to the general public. Once you have shared your Personal Data or your User Content with other people, or otherwise made it public, that Personal Data and your User Content may be re-shared by others.

5. Children

Our Services are not directed to persons under age 18. If you are the parent or guardian of a person under 18, and you become aware that your young person has provided us with Personal Data or User Content without your express consent, please contact us at contact@Ezinsuranceguide.us and we will remove the information or User Content, and we will terminate the young person's account.

6. Changes to this Privacy Statement

We may modify our Privacy Statement from time to time on prior written notice sent to the email address we have for you. For any user who has not provided us with an email address, the revised Privacy Statement will become effective no less than ten (10) calendar days after posting on the Services. If you choose not to be subject to a revised version of this Privacy Statement, then you may terminate your account with us, and the unrevised version of the Privacy Statement will apply.

7. Different Locations, Different Laws

The laws and regulations that address privacy rights and responsibilities (collectively, "Laws") are different from one to another. Indeed, some of the Laws do or do not apply depending on different factors, including:

Location or residence of the user;
Location or residence of the individual that is the subject of the Personal Data ("Data Subject");
Location or residence of the person or organization that employs or contracts with the Data Subject;
Location of each server or other machine where the Personal Data is received, stored, processed or forwarded to; or
Location of the relevant office of Ezinsuranceguide.

Several of the Laws that concern unregistered users, registered users, and Ezinsuranceguide are discussed in this Section, but these are not all of the Laws that may apply. In addition, if there is any conflict or ambiguity between the statements made in this Privacy Statement and an applicable Law, then the Law will control.

a. United States Federal Laws

Several of the federal Laws in the United States may apply to the Personal Data collected by us. Currently, all Personal Data of users resident in the United States is stored on servers and other machines physically located within the United States.

b. Children's Online Privacy Protection Act ("COPPA")

Currently, COPPA does not apply to the Services. Each registered user and other user must be 18 years of age or older. As noted in this Privacy Statement, if we learn of any registered user or user is under the age of 18, or if any parent or guardian contacts us, we will close that person's account and remove all information provided by the individual from our Services.

c. State Laws in the United States

Individual states in the United States have passed and enforce information privacy and security laws.

d. Your California Privacy Rights

This section supplement the information contained elsewhere in our privacy statement and applies to all visitors, users, and others who reside in the State of California ("consumers" or "you"). This notice of privacy rights has been adopted in order to comply with the California Consumer Privacy Act of 2018 ("CCPA"), and any terms defined in the CCPA have the same meaning when used in this notice. For further information about your rights under California's privacy laws, see California's "Privacy Laws" website at https://oag.ca.gov/privacy/privacy-laws.

You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to exercise these rights free of charge:

i. Disclosure of Personal Data We Collect About You

You have the right to know:

The categories of Personal Data we have collected about you;
The categories of sources from which the Personal Data is collected;
Our business or commercial purpose for collecting or selling Personal Data;
The categories of third parties with whom we share Personal Data, if any; and
The specific pieces of Personal Data we have collected about you.

Please note that we are not required to:

Retain any Personal Data about you that was collected for a single one-time transaction if, in the ordinary course of business, that information about you is not retained;
Reidentify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered Personal Data; or
Provide the Personal Data to you more than twice in a 12-month period.

ii. Disclosure of Personal Data Sold or Used for a Business Purpose

In connection with any Personal Data we may sell or disclose to a third party for a business purpose, you have the right to know: The categories of Personal Data about you that we sold and the categories of third parties to whom the Personal Data was sold; and

The categories of Personal Data that we disclosed about you for a business purpose.

We have provided a table of this information herein.

iii. Disclosure of Personal Data to Third Party for Direct Marketing

If you are a California resident, California Civil Code Section 1798.83 permits you to request information regarding the disclosure of your Personal Data by us to third parties for the third parties' direct marketing purposes. To make such a request, see the section "How to Exercise Your Rights", below.

Pursuant to California Civil Code Section 1798.83(c)(2), we are informing you that we do share users' Personal Data with affiliate companies or others outside Ezinsuranceguide for those parties' direct marketing use, unless a user requests that we stop sharing their data.

iv. Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

Delete your Personal Data from our records; and
Direct any service providers to delete your Personal Data from their records.

Please note that we may not delete your Personal Data if it is necessary to:

Complete the transaction for which the Personal Data was collected, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
Debug to identify and repair errors that impair existing intended functionality;
Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
Comply with the California Electronic Communications Privacy Act;
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
Comply with an existing legal obligation; or
Otherwise use your Personal Data, internally, in a lawful manner that is compatible with the context in which you provided the information.

v. Protection Against Discrimination

You have the right to not be discriminated against by us because you exercised any of your rights under the CCPA. This means we cannot, among other things:

Deny goods or services to you;
Charge different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties;
Provide a different level or quality of goods or services to you; or
Suggest that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

Please note that we may charge a different price or rate, or provide a different level or quality of goods and/or services to you, if that difference is reasonably related to the value provided to you by your Personal Data.

vi. Why We Collect Your Personal Data

We use and/or sell your Personal Data for the following reasons:
Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards;
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;
Debugging to identify and repair errors that impair existing intended functionality;
Short-term, transient use, provided the Personal Data that is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer's experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction;
Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider;
Undertaking internal research for technological development and demonstration; and
Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business.

viii. Parties With Whom We Share Your Personal Data

We routinely share Personal Data with:
our affiliates;
service providers we use to help deliver our products and/or services to you, such as payment service providers, warehouses and delivery companies;
other third parties we use to help us run our business, such as marketing agencies or website hosts;
third parties approved by you, including social media sites you choose to link your account to or third-party payment providers;
credit reporting agencies;
3rd party marketing partners, for commercial use;
our insurers and brokers; and
our banks and other financial institutions.

e. Your Right to Opt-Out

If you are a California resident 16 years of age or older, you have the right to opt-out from the collection and sale of your Personal Data. As we've stated in the section titled "Children", minors are not permitted to register to use our site.

f. Rights of Minors

As stated in the section titled "Children", minors are not permitted to register to use our site. However, if you are a California resident under the age of 18, and a registered user of any site where this Privacy Statement is posted, California Business and Professions Code Section 22581 permits you to request and obtain removal of content or information you have publicly posted. To make such a request, please send an email or letter with a detailed description of the specific content or information to the addresses provided in the section below titled "How to Exercise Your Rights". Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require or allow removal, even if requested.

By submitting any Personal Data or other User Content to us, or placing any order with us, you consent to the storage, processing, use and onward transfer of your Personal Data and User Content to us in the United States.

g. How to Exercise Your Rights

If you would like to exercise any of your rights as described in this Privacy Policy and Policy Statement, please:

Email us at contact@Ezinsuranceguide.us, ; or Write to us at "Attn: Privacy, Ezinsuranceguide LLC, 1805 N. Carson St., #402, Carson City, NV 89701

Please note that you may only make a data access or data portability disclosure request twice within a 12-month period.

h. Verifying Your Identity

If you choose to contact us directly, you will need to provide us with:

Enough information to identify you (e.g., your full name, address and customer or matter reference number) Proof of your identity and address (e.g., a copy of your driving license or passport and a recent utility or credit card bill); and
A description of what right you want to exercise and the information to which your request relates.

We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person's behalf.

Any Personal Data we collect from you to verify your identity in connection with you request will be used solely for the purposes of verification.

8. Use of Email Addresses and Other Contact Information

We collect the email addresses of those who voluntarily provide them to us, including unregistered users and registered users.

9. Contact Us

If you have questions or concerns about this Privacy Statement, please contact us online at contact@Ezinsuranceguide.us, , or by postal mail addressed to:
Attn: Privacy, Ezinsuranceguide LLC, 1805 N. Carson St., #402, Carson City, NV 89701, USA.

10. Revision Date and History

These Terms were last revised: August 31, 2020. Prior versions of this Privacy Statement are listed below: None. Cookie Policy

We are Ezinsuranceguide, LLC ("Ezinsuranceguide", "we", "us" and "our"). Among other things, we provide a communications platform to bring together senior citizens and to present speakers and providers of healthcare and other services (collectively, the "Services").

Each person or entity who uses our Services is referred to as a "user" or "you" or "your". If you subscribe to any of our Services, we will refer to you as a "registered user". If you don't register with us, we will refer to you as an "unregistered user". This Cookie Policy, our Privacy Statement and our Terms of Service ("Terms") apply to each user.

Our Use of Device Identifiers, including Cookies
Device Identifiers: When you use the Services, we may access, collect, monitor, store on your device, or remotely store one or more "device identifiers." Device identifiers are small data files or similar data structures stored on or associated with your computer, phone or other device, which uniquely identifies your device. A device identifier may be data stored in connection with the device hardware, data stored in connection with the device's operating system or other software, or data sent to the device by Ezinsuranceguide. A device identifier may deliver information to us or to a third-party partner about how you browse and use the Services and may help us or others provide reports or personalized Content and ads. Some features of the Services may not function properly if use or availability of device identifiers is impaired or disabled.

Cookies: Cookies are unique identifiers that we transfer to your device to enable our systems to recognize your device and to provide features and remember your personalization choices. We use cookies to make it easier to access and use our Services. The help feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Additionally, you can disable or delete similar data used by browser add-ons, by changing the add-on's settings or visiting the website of its manufacturer. Because cookies allow you to take advantage of some of the Service's essential features, we recommend that you leave them turned on. Cookies are also used to display particular Content and to set session identifiers for visitors who voluntarily join user areas.

Analytics tools: We use third-party analytics tools to help us measure traffic and usage trends and other Non-Personal Data (as that term is defined in our Privacy Statement) for the Services. These tools collect information sent by your device or our Services, including the web pages you visit, add-ons, and other information that assists us in improving our Services. We collect and combine this analytics information with analytics information from other users so that it cannot be used to identify any particular individual user. One of the analytics tools we use is Google Analytics. For more information and steps you can take to control Google's collection and use of your data, please visit Google's page, "How Google uses data when you use our partners' sites or apps"; https://www.google.com/policies/privacy/partners. Google also provides an opt-out plugin for web browsers, available here; https://tools.google.com/dlpage/gaoptout/

Do Not Track. We make reasonable efforts to honor the "do not track" settings on users' devices.
Privacy Rights of California Residents. For information on your rights under California law, please see our Privacy Statement.

Contact Us
If you have questions or concerns about this Cookie Policy, please contact us online at contact@Ezinsuranceguide.us, or by postal mail addressed to:
Attn: Privacy, Ezinsuranceguide.us, 1805 N. Carson St., #402, Carson City, NV 89701

Revision Date and History
This Cookie Policy was last revised: September 20, 2021. Prior versions of this Cookie Policy are listed below: None.