Privacy Policy

1. Information We Collect

1.1 Information You Provide to Us

We collect information you voluntarily provide when you:

• Request a Quote: Name, email address, phone number, state of residence, household information (ages, family size), and general health coverage preferences.
• Contact Us: Name, email address, phone number, and the content of your message or inquiry.
• Enroll in Coverage: Additional personal information required by insurance carriers, which may include date of birth, Social Security Number, income information, and health-related information necessary for underwriting.

1.2 Information Collected Automatically

When you visit our website, we may automatically collect certain information, including:

• Browser type and version
• Operating system
• IP address
• Pages visited and time spent on pages
• Referring website
• Device type (mobile, desktop, tablet)

This information is collected using cookies and similar tracking technologies. See Section 7 for more details.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To Provide Services: To process your quote requests, compare insurance plans, and assist with enrollment.
• To Communicate: To respond to your inquiries, provide information you request, and send you updates about your quote or coverage.
• To Improve Our Services: To understand how visitors use our website and improve user experience.
• To Comply with Legal Obligations: To meet regulatory requirements applicable to insurance brokers.
• To Protect Our Business: To detect and prevent fraud, abuse, or other harmful activities.

We do not sell your personal information to third parties.

3. How We Share Your Information

3.1 Insurance Carriers

To provide you with insurance quotes and facilitate enrollment, we share necessary information with insurance carriers and their authorized representatives. This is essential to our service and is done only with your consent when you request a quote or enroll in coverage.

3.2 Service Providers

We may share information with third-party service providers who perform services on our behalf, such as:

• Website hosting and maintenance
• Customer relationship management (CRM) systems
• Email communication services
• Analytics providers

These providers are contractually obligated to protect your information and use it only for the purposes we specify.

3.3 Legal Requirements

We may disclose your information if required by law, regulation, legal process, or government request, or to protect the rights, property, or safety of ZachJHealth LLC, our clients, or others.

3.4 Business Transfers

If ZachJHealth LLC is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Secure, encrypted connections (HTTPS) for data transmission
• Limited access to personal information on a need-to-know basis
• Secure storage of sensitive information
• Regular review of security practices

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory requirements applicable to insurance brokers
• Resolve disputes and enforce our agreements

Insurance-related records may be retained for extended periods as required by state insurance regulations, typically a minimum of 3-7 years depending on the state and type of record.

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate or incomplete information.
• Deletion: You may request that we delete your personal information, subject to legal retention requirements.
• Opt-Out: You may opt out of marketing communications at any time by contacting us or using the unsubscribe link in emails.

To exercise any of these rights, please contact us using the information provided in Section 10.

7. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to improve your browsing experience and analyze website traffic.

Types of Cookies We Use:

• Essential Cookies: Necessary for the website to function properly.
• Analytics Cookies: Help us understand how visitors interact with our website.
• Preference Cookies: Remember your settings and preferences (such as theme selection).

You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality.

8. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier websites. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us so we can take appropriate action.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

ZachJHealth LLC
Email: Zachjhealth@gmail.com

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.

Your continued use of our website or services after any changes constitutes your acceptance of the updated Privacy Policy.

12. State-Specific Disclosures

California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale of personal information. As noted above, we do not sell personal information.

Other States

Residents of other states with comprehensive privacy laws (such as Virginia, Colorado, Connecticut, and Utah) may have similar rights. Please contact us to exercise any applicable rights under your state's privacy laws.