TERMS AND CONDITIONS OF USE
This is a valid, binding agreement. By using the Internet site located at www.EZLifeSales.com
(the “Site”) or any services provided in connection with the Site (the “Service”), you agree to
abide by these Terms and Conditions of Use, as they may be amended by Pinney Insurance
Center, Inc. (“PIC”) from time to time in its sole discretion. The term “Site” as used herein
encompasses and includes any webpage that contains an address which includes, even in part, the
designation “EZLifeSales” or “EZLife” all of which are owned and operated by Pinney
Insurance Center, Inc., and, where applicable, includes all EZLife affiliate or co-branded
websites which are provided with the permission of Pinney Insurance Center, Inc. The term
“Site” also means and includes all content and corresponding information relating to the
EZLifeSales health screening, quoting, and pre-application tool; the Consumer Life Quoter
(“CLQ”) website quoting tool; and the EZLink emailable health screening, quoting, and pre-application
tool. You will be given the opportunity to accept or decline these terms and
conditions of use at the bottom of this screen. By clicking on “I Accept,” you acknowledge,
accept, understand and agree to these Terms and Conditions of Use. Changes in the terms and
conditions of use may occur at any time, without further notice. Your use of this Website after
such changes are implemented constitutes your acknowledgment and acceptance of the changes.
Before each use, please read and consult these Terms and Conditions of Use carefully. The Site
is provided by Pinney Insurance Center, Inc. ("PIC"). These Terms and Conditions apply
exclusively to your access to, and use of, this Website and does not alter in any way the terms or
conditions of any other agreement you may have with PIC.
PIC respects your privacy and permits you to control the treatment of your personal information.
Consent To Be Contacted
You and each of your respective clients understand that by submitting your client's personal
information, you are making a consumer inquiry for insurance offered by licensed insurance
agents that have contracted with PIC. You and your client also understand that by doing so, you
consent and expect to be contacted by any and all such licensed insurance agents via telephone,
email or direct mail even if you or your client are registered on the federal do-not-call list and/or
any applicable state do-not-call list. You or your client may withdraw consent by notifying PIC
You further acknowledge that you are duly licensed to solicit and sell life insurance products and
that you have the express consent of each individual client on whose behalf you seek or obtain
any assistance or use from EZLifeSales to input and provide any identifying information of each
such individual client, including name, address, telephone, date of birth, social security number,
driver’s license number, etc. Each of your individual clients has expressly authorized you to
gather identifying information of each said client and has authorized you to disclose any and all
such information to the extent reasonably necessary to procure life insurance quotes, sell life
insurance to and otherwise complete the sale and delivery of life insurance policies with respect
to each individual client.
Representations and Warranties
You represent and warrant to PIC that any and all information submitted by you on behalf of
your client to this Website is true and accurate. You further warrant that you are a licensed
insurance agent and are duly licensed to submit requests for insurance quotes.
Restrictions On Use
You may use this Website for purposes expressly permitted by this Website. You may not use
this Website for any other purpose, including any commercial purpose, without express prior
written consent of PIC. For example, you may not (and may not authorize any other party) to
link to this Website, without the express prior written permission of an authorized representative
of PIC nor may you display a name, logo or trademark appearing on this Website. You agree to
cooperate with PIC in causing and ensuring that any unauthorized co-branding, framing or
hyper-linking cease immediately.
The content on this Website is the proprietary information of PIC and PIC retains all ownership,
right, title, and interest in and to it. Accordingly, the content may not be copied, distributed,
republished, uploaded, posted, or transmitted in any way without the prior written consent of
PIC, except that you may print out a copy of the content solely for your personal use. In doing
so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark,
trade name, service mark, or any other proprietary notice or legend appearing on any of such
content. Modification or use of the content except as expressly provided in these Terms and
Conditions of Use violates the intellectual property rights of PIC and is a violation of these
Terms and Conditions of Use. Neither title nor intellectual property rights are transferred to you
by access to this Website. PIC retains full and complete title to the Site as well as all intellectual
property rights therein. You may not sell, redistribute, or reproduce the Software, nor may you
decompile, reverse-engineer, disassemble, or otherwise convert the Software to a human-perceivable
form. PIC owns EZLifeSales.com, including the EZLifeSales health screening,
quoting, and pre-application tool, as well as the Consumer Life Quoter (“CLQ”) website quoting
tool and the EZLink emailable health screening, quoting, and pre-application tool.
Compliance with Intellectual Property Laws
When accessing the Site or using the Service, you agree to obey the law and to respect the
intellectual property rights of others. Your use of the Service and the Site is at all times
governed by and subject to laws regarding copyright ownership and use of intellectual property.
You agree not to upload, download, display, perform, transmit, or otherwise distribute any
information or content (collectively, “Content”) in violation of any third party’s copyrights,
trademarks, or other intellectual property or proprietary rights. You agree to abide by laws
regarding copyright ownership and use of intellectual property, and you shall be solely
responsible for any violations of any relevant laws and for any infringements of third party rights
caused by any Content you provide or transmit, or that is provided or transmitted using your
User name or ID. The burden of proving that any Content does not violate any laws or third
party rights rests solely with you.
You shall not make the following types of Content available. You agree not to upload, download,
display, perform, transmit, or otherwise distribute any Content that (a) is libelous, defamatory,
obscene, pornographic, abusive, or threatening; (b) advocates or encourages conduct that could
constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local,
state, national, or foreign law or regulation; or (c) advertises or otherwise solicits funds or is a
solicitation for goods or services. PIC reserves the right to terminate your receipt, transmission,
or other distribution of any such material using the Service, and, if applicable, to delete any such
material from its servers. PIC intends to cooperate fully with any law enforcement officials or
PIC has in place certain legally mandated procedures regarding allegations of copyright
infringement occurring on the Site or with the Service. PIC has adopted a policy that provides for
the immediate suspension and/or termination of any Site or Service user who is found to have
infringed on the rights of PIC or of a third party, or otherwise violated any intellectual property
laws or regulations. PIC’s policy is to investigate any allegations of copyright infringement
brought to its attention. If you have evidence, know, or have a good faith belief that your rights
or the rights of a third party have been violated and you want PIC to delete, edit, or disable the
material in question, you must provide PIC with all of the following information: (a) a physical
or electronic signature of a person authorized to act on behalf of the owner of the exclusive right
that is allegedly infringed; (b) identification of the copyrighted work claimed to have been
infringed, or, if multiple copyrighted works are covered by a single notification, a representative
list of such works; (c) identification of the material that is claimed to be infringed or to be the
subject of infringing activity and that is to be removed or access to which is to be disabled, and
information reasonably sufficient to permit PIC to locate the material; (d) information reasonably
sufficient to permit PIC to contact you, such as an address, telephone number, and if available,
an electronic mail address at which you may be contacted; (e) a statement that you have a good
faith belief that use of the material in the manner complained of is not authorized by the
copyright owner, its agent, or the law; and (f) a statement that the information in the notification
is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of
an exclusive right that is allegedly infringed. For this notification to be effective, you must
provide it to PIC at: Pinney Insurance Center, Inc., 2266 Lava Ridge Court, Roseville,
California, 95661; Telephone 800-823-4852.
PIC reserves the right to terminate your use of the Service and/or the Site. To ensure that PIC
provides a high quality experience for you and for other users of the Site and the Service, you
agree that PIC or its representatives may access your account and records on a case-by-case basis
to investigate complaints or allegations of abuse, infringement of third party rights, or other
unauthorized uses of the Site or the Service. PIC does not intend to disclose the existence or
occurrence of such an investigation unless required by law, but PIC reserves the right to
terminate your account or your access to the Site immediately, with or without notice to you, and
PIC with false or misleading information, or interfered with use of the Site or the Service by others.
Third Party Sites
PIC has no control over, and no liability for any third party websites or materials. PIC works
with a number of partners and affiliates whose Internet sites may be linked with the Site.
Because neither PIC nor the Site has control over the content and performance of these partner
and affiliate sites, PIC makes no guarantees about the accuracy, currency, content, or quality of
the information provided by such sites, and PIC assumes no responsibility for unintended,
objectionable, inaccurate, misleading, or unlawful content that may reside on those sites.
Similarly, from time to time in connection with your use of the Site, you may have access to
content items (including, but not limited to, websites) that are owned by third parties. You
acknowledge and agree that PIC makes no guarantees about, and assumes no responsibility for,
the accuracy, currency, content, or quality of this third party content, and that, unless expressly
This Website may be linked to other sites. Such linked sites may not be maintained by or related
to PIC and such links are provided as a service to users and are not sponsored by or affiliated
with this Website or PIC. PIC has not reviewed any such sites and is not responsible for the
content of those sites. Links are to be accessed at the user's own risk, and PIC makes no
endorsement, representations or warranties about them.
Third Party Content & Services
PIC may provide links to content of third parties as a service to those interested in such
information. PIC does not monitor nor does PIC have control over any third party content or
third party websites. PIC does not endorse or adopt any third-party content and makes no
representation or warranty as to its accuracy or completeness. You assume any and all risk
associated with the use of this Website and these links and third party content contained therein.
Trademarks and Copyrights
Trademarks, service marks and logos appearing in this Website are the property of PIC. PIC
retains all rights with respect to all such content appearing in this Website.
Your use of this site is at your own risk. This website and the materials in this Website are
provided on an "as is" basis without warranties of any kind, either express or implied. PIC
disclaims all warranties, express or implied, including, but not limited to, implied warranties of
merchantability, fitness for a particular purpose, title, and non-infringement. PIC does not
represent or warrant that materials on this website are accurate, complete, reliable, current, or
error-free. PIC does not represent or warrant that this website or its server(s) are free of viruses
or other harmful components. PIC does not warrant that the functions or content contained in this
site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server
that makes it available are free of viruses or other harmful components. PIC does not warrant or
make any representation regarding use, or the result of use, of the content in terms of accuracy,
reliability, or otherwise. PIC does not warrant or guaranty any particular financial outcome,
profit, loss, or net revenue. The content may include technical inaccuracies or typographical
errors and PIC may make changes or improvements at any time. You, and not PIC, assume the
entire cost of all necessary servicing, repair or correction in the event of any loss or damage
arising from the use of this site or its content. PIC makes no warranties that your use of the
content will not infringe the rights of others and assumes no liability or responsibility for errors
or omissions in such content. Reference to any products, services, processes, or other
information, by trade name, trademark, agents, supplier, or otherwise does not constitute or
imply endorsement, sponsorship or recommendation thereof by PIC. PIC does not undertake any
obligation to update such information after it is posted or to remove such information from this
site if it is not, or is no longer, accurate or complete. You assume all risk of use of the Website.
Limitation of Liability
In no event shall PIC, its subsidiaries, affiliates, licensors, service providers, owners, contractors,
content providers, employees, agents, officers, and directors be liable for any incidental, direct,
special, indirect, punitive, actual, consequential, special, or exemplary damages, or any other
damages of any kind, including, but not limited to, loss of use, loss of profits, or loss of data,
whether in an action in contract, tort (including, but not limited to, negligence), or otherwise,
arising out of or in any way connected with the use of this website or the materials contained on,
or accessed through, this website, regardless of the foreseeability of the damages.
You will indemnify and hold PIC, its subsidiaries, affiliates, licensors, content providers, service
providers, owners, employees, agents, officers, directors, and contractors (the "Indemnified
Parties") harmless from any breach or violation of these Terms and Conditions of Use by you,
including but not limited to any use of content other than as expressly authorized in these Terms
and Conditions of Use. You will also indemnify and hold the Indemnified Parties harmless from
and against any claims brought by third parties arising out of your use of this Website. You agree
that the Indemnified Parties will have no liability in connection with any such breach or
unauthorized use and you agree to indemnify the Indemnified Parties for any and all resulting
loss, damages, judgments, awards, costs, penalties, expenses, and attorneys' fees arising out of
your use of this Website.
PIC imposes certain restrictions on your permissible use of the Site and the Service. You are
prohibited from violating or attempting to violate any security features of the Site or Service,
including, without limitation, (a) accessing content or data not intended for you, or logging onto
a server or account that you are not authorized to access; (b) attempting to probe, scan, or test the
vulnerability of the Service, the Site, or any associated system or network, or to breach security
or authentication measures without proper authorization; (c) interfering or attempting to interfere
with service to any user, host, or network, including, without limitation, by means of submitting
a virus to the Site or Service, overloading, “flooding,” “spamming,” “mail bombing,” or
“crashing;” (d) using the Site or Service to send unsolicited e-mail, including, without limitation,
promotions, or advertisements for products or services; (e) forging any TCP/IP packet header or
any part of the header information in any e-mail or in any posting using the Service; or (f)
attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt
to reduce to a human-perceivable form any of the source code used by PIC in providing the Site
or Service. Any violation of system or network security may subject you to civil and/or criminal liability.
Any passwords used for this Website are for individual use only. You will be responsible for the
security of your password (if any). PIC will be entitled to monitor your password and, at its
discretion, require you to change it. If you use a password that PIC considers insecure, PIC will
be entitled to require the password be changed and/or termination of your account.
You are prohibited from using any services or facilities provided in connection with this Website
to compromise security or tamper with system resources and/or accounts. The use or distribution
of tools designed for compromising security (e.g., password guessing programs, cracking tools or
network probing tools) is strictly prohibited. If you become involved in any violation of system
security, PIC reserves the right to release your details to system administrators at other sites in
order to assist them in resolving security incidents. PIC reserves the right to investigate
suspected violations of these Terms and Conditions of Use.
PIC reserves the right to fully cooperate with any law enforcement authorities or court order
requesting or directing PIC to disclose the identity of anyone posting any e-mail messages, or
publishing or otherwise making available any materials that are believed to violate these Terms
and Conditions of Use.
By accepting this agreement, you waive and hold harmless PIC from any claims resulting from
any action taken by PIC during or as a result of its investigation and/or from any actions taken as
a consequence of investigations by either PIC or law enforcement authorities.
These terms and conditions shall be governed by and construed in accordance with the laws of
the State of California, without regard to its choice of law principles to the contrary. You
irrevocably consent to and agree that any action at law or in equity arising out of or relating to
these terms and conditions shall be filed only in, and resolved in, the federal or state courts in
the State of California, County of Placer, and you hereby irrevocably and unconditionally consent
and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising
out of this Agreement.
modify the Site and/or the Service; and (c) discontinue the Site and/or Service at any time. PIC
posted on the Site periodically to be aware of any revisions. You agree that, by continuing to use
or access the Site following notice of any revision, you shall abide by any such revision.
Notwithstanding any of these terms and conditions, PIC reserves the right, without notice and in
its sole discretion, to terminate your license to use this Website, and at any time to block or
prevent future access to and use of this Website.
If any provision of these terms and conditions shall be deemed unlawful, void, or for any reason
unenforceable, then that provision shall be deemed severable from these terms and conditions
and shall not affect the validity and enforceability of any remaining provisions. If you have any
questions about this legal notice, or the above terms and conditions of use, please contact your legal counsel.
All text and information provided on or through this Website is protected by federal copyright
law and may not be duplicated, published, broadcast, photocopied, faxed, mailed, uploaded,
distributed, transmitted or redistributed in any manner for any purpose without prior written
authorization by PIC.
This Website is for informational purposes only and is provided without charge to its members
or users who may seek information regarding life insurance whether or not an independent agent
who has contracted with PIC will receive a commission.
PIC does not assume any responsibility for any information received or extracted from any links.
You agree that if you are located in a jurisdiction where free insurance advice or insurance
quotes are limited or regulated by law, you will limit or refrain from use of such advice or quotes
as required by law, you will comply with such law.
ACKNOWLEDGEMENT. BY USING THE SERVICE OR ACCESSING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ
At Pinney Insurance Center, Inc. (“PIC”) we believe your privacy and information security is
handling practices relating to use of the website www.EZLifeSales.com.
PIC is an accredited member of the BBB Online Reliability Program. This site uses Verisign's
SSL (Secure Sockets Layer) Certificate to encrypt and protect all information submitted through
this website. It is suggested that you use a browser that supports SSL and that the encryption
feature of your browser is not disabled when you submit information online. In addition to SSL,
we also use firewalls to secure all data stored on our servers, which includes any personally
identifiable information you have submitted on this site.
If you feel more comfortable submitting your information by phone, please call us at 800-823-4852.
Why We Collect Visitor Information
There are four reasons why
we collect visitor information on this site. (1) Information is collected to provide real-time, accurate
life insurance quotes. (2) Information is collected to initiate the application request process
and/or to begin the purchase of life insurance. (3) Information is collected regarding your use of
this site in an effort to make this site better for our users. (4) Information is collected regarding
your general geographic location, the site that referred you to this site, and hardware and
software used to view this site in an effort to optimize our marketing efforts.
The only personally identifying information collected on this site is provided by you, the user,
voluntarily. Site usage statistics and aggregate user profiles are analyzed to see user trends and
are not used to track the usage patterns of individual users.
What Information We Collect and How We Use It
This site provides life insurance quotes free of charge to our life insurance agents. To provide
accurate life insurance quotes, certain information must be collected, including state of
residence, date of birth, gender, height, weight, coverage amount desired, term period desired,
health classification of the proposed insured, and tobacco use. For simplified issue and
guaranteed issue life insurance quotes, other health information may also be required.
All life insurance carriers have proprietary rate guidelines based on the previously mentioned
information. To provide accurate quotes and rates from these carriers, the information mentioned
above must be collected.
A cookie is a piece of data stored on a user's computer that is tied to information about that user.
None of the cookies this site uses are linked in any way to personally identifiable information.
This site uses both session ID cookies and persistent cookies. Session ID cookies terminate once
the user closes the browser. Persistent cookies are small text files stored on the user's hard drive
for an extended period of time. Persistent cookies can be removed at any time by following help
directions provided by your Internet browser. Cookies may be disabled at any time by following help
directions provided by your internet browser.
Information collected by cookies is analyzed to determine the effectiveness of our site. Users that
reject our cookies may still use our site.
When visitors enter and surf through the pages of our site, our server logs information including
the internet address of the server or computer contacting us, the date and time, the referring site
and its URL, as well as the visitor's browser, operating system, and screen resolution. This data
is analyzed to understand better what our visitors are looking for and to improve the quality of
our site. We look for trends, identify most- and least-visited pages, and collect broad
demographic information. None of the information gathered through our log files is shared with
or sold to outside organizations. Nor do we look at individual users and their usage patterns, or
use these technologies to gather emails or personally identifiable information.
How We Communicate With Our Clients
Once a user has initiated a relationship with PIC through this site, various forms of
communication may ensue. They include (1) contact by telephone; (2) contact by email; (3)
contact by mail; (4) contact by fax. All contact is to help our clients apply for, purchase, and/or
get life insurance and/or other forms of insurance (such as annuity, auto, home, health, etc.).
Contact may come from PIC or any one of its carriers, affiliates, vendors, or partners.
If at any time you desire that we cease contact with you, please send a letter detailing your
request to the following address:
Pinney Insurance Center, Inc.
2266 Lava Ridge Court
Roseville, CA 95661
Your Personal Information Options
This site is open to licensed life insurance agent use without providing any personally
By providing your personally identifiable information on this site, you are explicitly initiating a
relationship (as defined by the National Do Not Call Registry) with PIC and are inviting,
consenting to, and requesting contact and information from PIC, which may be provided to you
online, by phone, fax, email, or mail by PIC or one of our carriers, affiliates, vendors, or
partners. As such, you are waiving any right (including claims under the Telemarketing Sales
Rule) extending in perpetuity to claim that we, or our carriers, affiliates, vendors, or partners,
contacted you without your express consent.
If at any time you desire that we cease contact with you, we will honor your request to place you
on our internal "Do Not Contact" list.
You can unsubscribe from our email mailing list at any time by clicking on the "unsubscribe"
link at the bottom of any one of our emails.
You may disable cookies on your browser at any time by following the prescribed method
provided to you by your browser.
Update/Change Personal Information
If you would like to update or change the personal information we have on file for you, please
contact us at 800-823-4852.
Carrier, Partner, Vendor, and Affiliate Privacy Policies
PIC may share your personally identifiable information with insurance carriers or other partners,
vendors, or affiliates for the express purpose of assisting you in brokering the sale of insurance.
PIC is not liable or responsible for these third-party company's privacy policies or procedures, or
any loss or breach of data through these third-party systems. Please contact these individual
organizations with questions regarding their Privacy Policies.
Website Areas Beyond PIC’s Control
The Site may include interactive forums such as message boards and chat rooms. Please
remember that any information that is disclosed in these areas becomes public information and
you should exercise caution when deciding to disclose your personal information.
Third Party Websites
The Site may contain links to other websites. If you choose to visit other websites, we are not
responsible for the privacy practices or content of those other websites, and it is your
responsibility to review the privacy policies at those websites to confirm that you understand and
agree with their policies.
PIC does not spam. Spam or UCE (Unsolicited Commercial Email) is an attempt to deliver an
email to someone who would not choose to receive it. If you receive an email from PIC it is
because (1) you expressly shared your email address with us for the purpose of receiving
information in the future (also known as "opt-in"), or (2) you have purchased from us or have a
current relationship with us.
By requesting information from us or providing your contact information on our site, you have
agreed to opt-in to receive our information.
You can unsubscribe from our email mailing list at any time by clicking on the "unsubscribe"
link at the bottom of any one of our emails.
If you have any questions regarding this document, our procedures and policies, this site, or your
relationship with us, please contact us at the address below.
Pinney Insurance Center, Inc.
2266 Lava Ridge Court
Roseville, CA 95661