Privacy Policy

Zay Health Insurance, LLC is here to protect and improve the personal and financial health of all consumers.

When you use, access or interact with our services, you are agreeing to our Terms of Service and also consenting to our information practices disclosed and hyperlinked herein.

How We Collect Information

Depending on your relationship with us, there is only one way we may collect information about you: (1) when you provide it to us. We need to collect personal information to provide Services to you. If you do not provide the information requested, we may not be able to provide the Services.

1. Information You May Provide to Us

By providing your phone number, you agree to receive text messages. Message & data rates may apply. Message frequency varies. Reply STOP to opt out, reply HELP for help.

You may provide information to us in various ways, such as through online forms, over the phone, or other means offered through our Service. For example, on our Website we may ask you some basic questions in order to generate an insurance quote for you. The types of information you provide us fit into two categories.

• Personal Information is information that identifies you personally, such as your name, postal address, email address, telephone number, or other contact information.
• Non-Personal Information is information about you or your household that, on its own, doesn’t identify you personally, like gender, income, employment status, or products of interest. This also includes information that has been aggregated in a manner such that it no longer reveals your identity

When we combine Non-Personal Information with Personal Information, we treat it like Personal Information for as long as it is combined.

Unless specifically requested, we ask that you do not send us, and you do not disclose, any additional personal information (e.g., information related to government identifiers, racial or ethnic origin, political opinions, religion or other beliefs, health, biometrics or genetic characteristics, or criminal background) during the use of our Services.

If you disclose, to us or to our service providers, any personal information relating to other people in connection with the Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy.

How We Use the Information We Collect

We use the information we collect from you and third parties to operate our Services, including to provide you with insurance quotes, communicate with you, and take steps to improve your experience. Such business and commercial purposes include:

• To provide personalized Services to you. We use the information we collect to provide Services to you in a personalized way including offering a quote, processing transactions, maintaining and servicing your account or policy, providing customer service. We also may collect information in our capacity as a service provider on behalf of a financial service providers (e.g., insurance carriers, financial institutions). Many of the products we offer are complex, and consumers look to us to guide them to find the one that best fits their needs and goals. The information we collect gives us a more detailed picture of who you are so we can help you find the right product.
• To improve and debug our Services. We are constantly trying to improve our Services. The information we collect may be used to conduct internal research and analysis including data analytics, modeling, and recommendation Services. The information we collect also helps us improve the experience we provide to consumers, the intended functionality of our Services, and the way we match consumers to product recommendations in real time. For example, in some instances, we may use information you have provided, even if you have not completed the web flow, so that if you return to the Website this information will be pre-loaded for your convenience.
• To detect, investigate, and prevent fraud, misuse, or malicious activities. We respect your privacy and safety and therefore may use the information we collect to detect, investigate, prevent, or take action regarding incidents, threats, and misuse of natural persons, your information, or our systems. This includes suspected theft, fraud, malicious, deceptive or illegal activities, or violations of our policies. As a result, we may also use the information we collect to verify your identity.
• To communicate with you and advertise to you. For example, if you provide your phone number and email and then consent to being contacted by us, we may call you to start the quoting process. We may also text and email you information about how to contact us, personalized marketing messages, information about your shopping journey, offers, and other information pertinent to your financial services inquiry.

Opting Out of Further Communication. Many of the products we offer are complex, and consumers look to us to guide them to find the one that best fits their needs and goals. If you’d prefer we do not contact you, please opt-out of further communications from us by requesting to be placed on our Do Not Call list, by replying “STOP” to our text messages, or by unsubscribing from our email list.

Who We Share Information With

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Tracking & Analytics Technologies

We may use various technologies to collect and store information in connection with your use of our Services. These may include things like cookies, browser storage, web beacons, and other tracking technologies.

Cookies. Cookies are a standard feature of our Services that allow us to store small amounts of data about your use of our Websites. A cookie is a small piece of information that a website can send to your browser. It acts as a tag that identifies your computer but may not identify you personally. Cookies store information such as web pages viewed, advertisements clicked, browser preferences, etc.

How We Protect Your Information

We seek to use reasonable administrative, technical and physical safeguards, and other security measures to protect personal information within our organization from growing threats. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate personal information to us through the use of the Services. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the contact methods provided below.

How Long We Retain Information

Zay Health Insurance, LLC retains personal information for as long as needed or permitted in light of the purpose(s) for which it was obtained and consistent with applicable law.