Privacy Policies

Effective Date: 12.01.2023

Your Privacy Matters to Us

At Z Insurance Team, we prioritize your privacy with a commitment to "Users First." Our approach to collecting, maintaining, and utilizing your personal information aligns with the principle of empowering and informing you about your privacy choices.

In essence:

We don't collect personal information without your knowledge or consent.
Your personal information won't be disclosed to third parties, except as outlined in this Privacy Policy.
You have the right to inspect and correct your personal information.
We take reasonable measures to secure any information you provide.
We promptly notify you if we suspect any compromise of your privacy.

Detailed Privacy Practices:

1. Personal Information We Collect

To comply with legal requirements, we collect personally-identifiable information (PII) and electronically collected personal information (ECPI). PII includes data provided in your health insurance application, such as contact details, social security number, and health information. ECPI, like session or persistent cookies, enhances your online experience and is exempt from public records.

2. Application

This Privacy Policy is applicable to all our websites, including www.zinsuranceteam.com and, but not limited to all our contracted carrier websites that our certified agents may use. It is integral to the terms of use, creating a legal agreement between Z Insurance Team and users.

3. Consent

By using our website or submitting personal information, you agree to the terms of this Privacy Policy. If you disagree, please refrain from providing personal information.

4. How we use your personal information

We strictly use personal information for specific purposes:

Determining eligibility for health care coverage.
Facilitating initial enrollment in health coverage.
Managing existing health coverage enrollments.
Complying with federal or state law.
Performing other required Exchange functions.

5. Parties with whom we share your information with

We share information only with government agencies, qualified health plans, life insurance carriers, ancillary carriers or contractors for fulfilling required Exchange functions and plan selections you are requesting coverage for.

6. How we protect your personal information

Adhering to federal and state privacy laws, we implement robust technical, administrative, and physical safeguards. Encryption software, limited access, and ongoing training ensure the security of your personal information.

7. Your privacy rights and choices

Under federal and state law, you have rights to access, amend, and control your personal information. You can specify communication preferences, authorize third-party releases, and file privacy-related complaints without fear of retaliation.

8. How long we retain your information

Federal law mandates a 10-year retention period for records related to health insurance eligibility or enrollment.

9. Changes to our privacy policy

This Privacy Policy, subject to the terms of use, may be updated at our discretion, with any changes automatically applying to provided personal information.

10. Contact the Privacy Office

For questions or concerns about this Privacy Policy, contact our Privacy Office via email at admin@zinsuranceteam or by phone at (619)733-3540.