Welcome to www.123easylife.com (the “Site”)! The Site is owned and operated by David P Schaeffer. (“123EasyLife,” “we,” “us,” or “our”). This privacy policy (this “Privacy Policy”) describes the information that we collect from you when you use our Site or our Services and what we do with this information. By accessing or using the Site or any of the Services, you hereby agree to the terms of this Privacy Policy and the Terms of Use governing your use of the Site and the Services, into which this Privacy Policy is incorporated by reference. If you do not agree with this Privacy Policy or the Terms of Use, then please do not use the Site or the Services. Capitalized terms that are used in this Privacy Policy but not defined shall have the meanings ascribed to them in the Terms of Use.

This Privacy Policy is effective as of the “Last Updated” date specified above. We may change this Privacy Policy at any time, and we will notify you of any material changes by posting a message on our home page. Your continued use of the Site or Services after any such chance will constitute your acceptance of any modified terms.

What type of information do we collect?

1. General Browsing and Tracking Mechanisms:

We gather navigational information about where visitors go on the Site and information about the technical efficiencies of the Site (i.e., time to connect to our website, time to download pages, etc.). This information is referred to in this Privacy Policy as “Navigational Information,” and it allows us to see which areas of the Site are most visited and helps us better understand our visitors’ experiences at the Site. In the process of gathering Navigational Information, non-personally identifiable information (for example, domain type, browser version, service provider and IP address) may be collected which will provide information regarding a visitor’s use of the Site.

We collect Navigational Information from technology such as Cookies and Web Beacons. Cookies are small text files that help us to personalize the content of the Site. Web Beacons are electronic files used to track your navigation on a website or collection of sites, the completion of transactions, submittal of applications and browsing behavior. We use cookies and other tracking technology to help us remember and process the items in your shopping cart, understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about the Site’s traffic and interaction so that we can offer better experiences and tools in the future. We may also use these technologies to provide you with enhanced online display advertising tailored to your interests. To opt out of this personalized advertising provided by us, send us an email at [email protected]. If you prefer, you can choose to turn off all cookies via your browser settings. However, if you turn your cookies off, some features of the Site or the Services may not function properly.

2. Collection of Personal Information:

You will be required to provide us with certain personal information when you register for an account, such as your first name, last name and email address. In order to use our Personal Insurance Checkup, you will be required to provide us with additional personal information which includes, but is not limited to, your zip code, marital status, family information such as number of children and number of pets, whether you are a homeowner or a renter, whether you own a car(s), your income, amounts of your savings and debts, and general details about your current insurance coverage. In order to obtain insurance product quotes, you will be required to provide us with additional personal information which includes, but is not limited to, your date of birth, your gender, your smoking status, your height and weight, and your family history. If you decide to apply for insurance coverage through the Site, you will be required to provide us with additional personal information which includes, but is not limited to, your social security number. We refer to all of this information as “Personal Information” in this Privacy Policy. Navigational Information and Personal Information are collectively referred to as “Information” in this Privacy Policy.

How do we use your information?

We use your Information to:

provide the Services;
help underwrite and provide accurate insurance premium rate quotes;
provide insurers with the required information for applications;
provide or offer other financial and consumer products and services from partners with whom we have entered into a joint marketing agreement;
provide, maintain and improve customer service;
tailor your experience with the Services to your interests;
develop and improve the Site and the Services;
respond to your inquiries; and
communicate with you regarding the insurance products that you purchased through the Site as well as other products and services that may be of interest to you.
In addition, we may aggregate your Information with our other user’s Information and use that information for benchmarking and analysis purposes.

What information do we share with third parties?

We may share your Information with insurance carriers offering the third-party insurance products made available to you through the Services.

We may use third party vendors to assist us with the Service (“Third Party Vendors”). Some examples of the assistance that may be provided by third party service providers are: monitoring and analyzing Site activity, operations and marketing assistance, hosting the Site, and maintaining our database. It is possible that some of these service providers will be located outside of the United States. We may share your Information with these Third Party Vendors but only as necessary for them to perform their functions and to the extent permitted by law. Use of your Information by these Third Party Vendors is governed by their own privacy policies and procedures and not by this Privacy Policy.

We may share your Information with any of our parent companies, subsidiaries, joint ventures, or other companies under common control with us.

As we develop our businesses, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of the Information may be part of the transferred assets.

To the extent permitted by law, we may also disclose Information when required by law, court order, or other government or law enforcement authority or regulatory agency, or whenever we believe that disclosing such information is necessary or advisable, for example, to protect the rights, property, or safety of us or others.


We take commercially reasonable steps to protect your Personal Information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. Please understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that the information you supply will not be intercepted while being transmitted to and from us over the Internet.

California Residents

Under California Civil Code Section 1798.83, California residents who have established business relationships with us may choose to opt out of our sharing their Personal Information with third parties for direct marketing purposes. If you are a California resident and (1) you wish to opt out; or (2) you wish to request certain information regarding our disclosure of your Personal Information to third parties for the direct marketing purposes, please send an e-mail to [email protected]

Visitors from outside the U.S.

If you are visiting the Site or any of the Services from a location outside of the U.S., your connection will be through and to servers located in the U.S. All Personal Information you provide to us will be maintained in web servers and/or internal systems located within the U.S. By providing us with any Personal Information through the Site or any of the Services, you consent to transfer of such Personal Information to the U.S.


We do not knowingly collect Personal Information from children under the age of 13. If you are under 13, please do not give us any Personal Information. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce this Privacy Policy by instructing their children to never provide Personal Information through Internet without their permission. If you have reason to believe that a child under the age of 13 has provided Personal Information to us, please contact us, and we will endeavor to delete that information from our databases.

External sites

The Site may contain links to third-party websites, including, without limitation, the websites of the insurance carriers offering the third-party insurance products made available to you through the Services (“External Sites”), but we do not endorse and we are not responsible for the content of any linked External Sites or for the privacy practices of the third parties that own and operate such sites. Before using any External Site, please refer to the terms of use and privacy policies of the External Sites for more information.

Questions or concerns

If you have additional questions or would like more information regarding our information collection, use of disclosure practices, please feel free to contact us at [email protected]


123Easy Life complies with the “Arizonans with Disabilities Act” and “Title III of the Americans with Disabilities Act.”
When necessary for effective communications, 123Easy Life staff will provide a qualified interpreter or other appropriate auxiliary aid or service. Individuals with disabilities will not be charged for auxiliary aids or services (including interpreters) and are not required to bring another individual to interpret for them. We feel our communication policy should be there to help our clients, not hinder them.123Easy Life staff is required to abide by the protocol as stated below.
Identify the Disability and Services Required for Successful Communication:When 123Easy Life offers an auxiliary aid or service request, employees must confer with the client with the disability (and if not feasible, they will confer with the requestor) to discover the circumstances, requirements and preferences of the individual with the disability. 123Easy Life will recognize his or her preferred mode of communication prior to determining the type interpreting service (or other auxiliary aid or service) to be secured.
The following methods of communication are examples of services 123Easy Life will provide:
American Sign Language;
Signed English;
Oral interpreting;
Large Print Documentation In determining the type of service which is necessary, the following will be considered:
The nature, length and importance of the communication at issue;
The individual’s communication skills and knowledge;
The individual’s request for or statement of need for an interpreter; and
The type of auxiliary aid or service necessary to ensure effective communication.
Pursuant to A.R.S. § 36-1971, a qualified legal interpreter must be certified by the Arizona Commission for the Deaf or Hard of Hearing to interpret legal matters. In compliance with the Arizonans with Disabilities Act and Title III of the Americans with Disability Act, 123Easy Life staff will provide a qualified interpreter who is able to interpret effectively, accurately and receptively.
Take Action Promptly to Ensure Services are Provided in a Timely Manner:
123Easy Life staff shall respond promptly to requests for auxiliary aids and services to ensure individuals with disabilities have an equal opportunity to participate in and benefit from our services. Documentation of disability will generally not be requested or required. If a particular auxiliary aid and service or supplier of the service will result in delays of client services, 123Easy Life will consider alternative suppliers or effective auxiliary aids and services. For example, if a particular interpreter determines he/she will take two weeks to provide a sign language interpreter, 123Easy Life will inquire with other interpreters, then 123Easy Life will consider providing a qualified interpreter using a service that provides video interpreting, or other effective means of communication. 123Easy Life Must Ensure Effective Communication with Clients at All Times Throughout the Entire Duration of the Matter: 123Easy Life employees must ensure that effective communication is accomplished between 123Easy Life’ prospective and current clients throughout every phase of the matter, including but not limited to the following:
The subject matter of the clients needs must be communicated, specifically during the initial interview.
The client must understand the scope of services offered by 123Easy Life.
123Easy Life is not a government agency.
Services provided are based on a commission earned by selling an Insurance product.
If services required are deemed by 123Easy Life to be best served by an Insurance company directly or a government agency, that information will be communicated.
The client must understand and be able to communicate with all entities involved throughout all procedures.
Termination of representation, denial of representation and presentation of the terms must be communicated.
123Easy Life staff shall identify when a sensory disability exists and will determine what type of services are required for successful communication. 123Easy Life staff will not refuse services to potential clients with sensory disabilities if they require auxiliary aids and services for effective communication. If you would like to contact an 123Easy Life staff member, contact us today.