Privacy Policy

Effective November 7th, 2016

Welcome to Simple Life’s Web site. The purpose of the following privacy policy is to provide the details regarding how Simple Life collects and uses personal information from users of this Web site.

Information Collected By Simple Life

Simple Life may collect and use certain personal information in order to best serve your needs in using this Web site and in order for it to administer its business. For example, we may need to know your first and last name, home or other physical address, e-mail address, telephone number, date of birth and/or social security number. We may also require that you provide us with information relevant to your health, medical status and background necessary to process your request for our services and products. In addition, we may ask that you provide us with your credit card or bank information so that we can allow you to purchase or pay for products or services electronically. The credit card or other electronic payment information that we collect will be used to process any such payments. Moreover, for you to participate in any of our programs, we also may require that you to create a user ID and security password.

Additionally, we may collect information using “cookies.” Cookies track the pages you visit and they make Web pages load faster and improve your online experience. If you log into a password protected section of our Web site, the cookies may also contain a user ID and/or password.

Our servers automatically record information that your browser sends whenever you visit Simple Life’s Web site. These server logs may include information such as the page(s) you visited, your Internet Protocol address, cookie information, browser type, browser language, and the date and time of your request. Simple Life uses this traffic data to help diagnose problems with its servers, analyze trends and administer Simple Life’s Web site.

Generally, Simple Life automatically collects usage information, such as the numbers and frequency of visitors to its Web site, number of links clicked within the Web site, etc. This type of collective data enables us to determine how users interact with Simple Life’s Web site so that we may improve our products and services.

How Simple Life Uses Your Personal Information

We may use your personal information to get in touch with you when necessary to process an application for insurance or to provide you with a quote. For example, e-mails will be sent to you throughout the application process to inform you of the status and to seek any additional information that may be required.

Simple Life may periodically ask you to complete short surveys about your experiences for research purposes and/or on behalf of third parties with which Simple Life works closely. Your participation in these surveys is not required, and your refusal to do so will not impact your experience on this Web site.

Simple Life’s Disclosure of Personal Information

We do not sell your personal information without your express consent. Any personal information you provide on our Web site will be used for the purpose stated on the page on which it is collected.

If you submit an application for an insurance product, then we will disclose your personal information to your chosen insurance company to process your application. These insurance companies are only allowed to use your personal information to process your requested quote, application or enrollment form.

If you complete an enrollment form for a health savings account (“HSA”) offered through an authorized HSA trustee or administrator with whom we have associated, then we may disclose your personal information to that trustee or administrator to enroll you in an HSA.

If you apply for a health insurance or other product through our Web site, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used by your chosen insurance company, agent or HSA trustee or administrator to process your application. Additionally, your credit card or bank information may be shared by your chosen insurance company or HSA trustee or administrator to process your application or collect any fees associated with your application or insurance premiums upon approval of your application.

We may disclose your personal information to other companies that help us process or service your insurance application or correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card.

To support our business operations and to provide services to you, we may share the information we collect about you with appropriate employees and/or third parties who assist us with, for example, administering our products and services, marketing, recruiting employment applicants, and/or maintaining and operating our Web site.

Any personal information that you voluntarily disclose on public areas of our Web site becomes publicly available and could be collected and used by other people. We strongly discourage you from providing any sensitive or personally identifiable information when submitting or contributing to such public content. As with most internet communities, Simple Life is a public forum and you acknowledge and accept that any information you share is connected to the Profile Data above.

Other parties or entities may collect personally identifiable information about your online activities over time and across different Web sites when you use Simple Life Web site or service.

Additionally, we may disclose your personal information after notifying you and obtaining your consent.

We may collect personal information from persons other than the individual or individuals proposed for coverage. Such information as well as other personal or privileged information subsequently collected by us may in certain circumstances be disclosed to third parties without authorization. You will be able to access, review and if applicable, correct all personal information collected. Simply contact us for such access, review and correction. Upon request, we will furnish additional information regarding whether personal information may be collected from persons other than the individual or individuals proposed for coverage; the types of personal information that may be collected and the types of sources and investigative techniques that may be used to collect such information; the types of disclosures made as permitted by law and the circumstances under which the disclosures may be made without prior authorization, except that only those circumstances need be described which occur with such frequency as to indicate a general business practice; a description of your rights established under Sections 791.08 and 791.09 of the California Insurance Code and the manner in which those rights may be exercise; and that information obtained from a report prepared by an insurance-support organization may be retained by the insurance-support organization and disclosed to other persons.

Confidentiality and Security of Your Personal Information

Your account information is protected by a password. You are responsible for protecting your account information against unauthorized access to your computer by signing off once you have finished using a shared computer.

Only employees or agents who need personal information to perform a specific job (for example, a customer service representative) are granted access to it. Simple Life takes commercially reasonable precautions to help keep your data secure. All of our employees and agents are required to sign confidentiality agreements that require that they keep such personal information confidential.

Though we make every effort to preserve your privacy, we may need to disclose personal information when required by law or if we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, regulation, court order or legal process.

Simple Life cannot guarantee the identity of any other members with whom you may interact in the course of using the Web site or who may have access to information you have posted. Additionally, we cannot guarantee the authenticity of any data that members may provide about themselves.

We provide links to and information regarding many other Web sites, including those with whom we may, or may not, have a business relationship. We do not exercise control over those Web sites, and each has its own privacy policy that is distinct from ours. These other Web sites may also place their own cookies or other files on your computer, collect data or solicit personal information from you. We are not responsible for the privacy practices or the content of such other Web sites. We encourage you to read the privacy policies of any such linked Web sites because their policies may differ from ours.

Important Privacy Choices

We may disclose nonpublic personal financial information to affiliates and nonaffiliated third parties to process your needs and requested services. We reserve the right to disclose nonpublic personal financial information to nonaffiliated third parties for marketing purposes without obtaining prior authorization and the law does not allow customers to restrict that disclosure. However, you may opt out of any portion(s) of these disclosure by contacting us and so advising. We may share marketing information with nonaffiliated third parties if you do not choose to opt out within 30 days of agreeing to this Privacy Policy. We will not share information for marketing purposes before the conclusion of the 30-day time period. To opt out as to any of these disclosures, simply contact us at any time and we will accommodate your request. If you prefer, we will mail you an opt-out notice upon request.

Additionally, upon request, Simple Life will provide either (1) a list of the categories of personal information disclosed to third parties for their marketing purposes during the preceding calendar year, with the companies’ names and addresses or (2) a privacy statement giving you a cost-free opportunity to opt out of this information sharing.


Simple Life should not be used by individuals under thirteen (13) years of age. We do not intend to collect any personally identifiable information from such individuals. If you are under eighteen (18) years of age, you must be either an emancipated minor or have the consent of your legal parental guardian to use Simple Life’s Web site. If you believe that we might have inadvertently collected information from a child under 13 without parental consent, please contact us at

Reviewing, Updating or Deleting Your Personal Information

You can visit your membership profile page and amend your profile data at any time to update or correct your personal profile information or preferences, or delete your account completely.

Your Acceptance of These Terms

Before you register and create an account or purchase goods or services through Simple Life, you will be provided with access to our Terms of Service and this Privacy Policy. You will need to click through and review and agree to the Terms of Service and our Privacy Policy before your Simple Life account becomes valid for use.

Changes to this Privacy Policy

Simple Life may change this policy at any time without notice. The most recent revision date will be listed at the top of this policy and the posted version of the statement will apply to your use of our Web site.

Thank you.