Privacy Policy

1. Who we are

This Privacy Policy applies to ZAV Agency ("ZAV Agency," "we," "us," or "our") and the website www.zavagency.net (the "Site"). ZAV Agency is a licensed independent insurance agency based in Miami, Florida, and licensed to serve clients in Florida, New York, New Jersey, Pennsylvania, Texas, Ohio, and Oklahoma. We help consumers compare and purchase auto, home, life, and commercial insurance from third-party insurance carriers.

By using the Site or submitting information to us, you agree to the practices described in this policy.

2. Information we collect

We collect information you provide directly, information collected automatically when you use the Site, and information we receive from third parties.

Information you provide

• Contact and identity details — name, email address, phone number, mailing/ZIP code, and similar details you enter on our quote forms or contact forms.
• Insurance-related details — information needed to prepare a quote, such as vehicle, property, driver, household, coverage history, and similar details you choose to share.
• Communications — the content of messages, emails, and call notes when you contact us or request a quote.

Information collected automatically

• Device and usage data — IP address, browser type, device type, operating system, referring pages, pages viewed, and dates/times of visits.
• Cookies and similar technologies — see the Cookies & tracking section below.

Information from third parties

• Insurance carriers and comparison partners — quote and eligibility information used to match you with coverage.
• Advertising and analytics providers — data about how you found or interacted with our ads and Site.

Some information we handle may be "nonpublic personal information" governed by insurance and financial-privacy laws such as the Gramm-Leach-Bliley Act (GLBA). We handle that information in accordance with applicable law.

3. How we use information

We use the information we collect to:

• Prepare, provide, and follow up on insurance quotes you request;
• Match you with insurance carriers and coverage options;
• Respond to your questions and communicate with you by phone, email, or text;
• Service, maintain, and improve the Site and our services;
• Measure and improve our marketing and advertising;
• Detect, prevent, and address fraud, security, and technical issues; and
• Comply with legal, regulatory, and licensing obligations.

4. How we share information

We do not sell your personal information for money. We may share information as follows:

• Insurance carriers and underwriting partners — to obtain quotes and place coverage you request.
• Service providers — vendors who host our Site, send communications, provide CRM/telephony, or support our operations, under contracts that limit their use of the data.
• Advertising and analytics providers — as described in the Advertising & analytics section; some of this activity may be considered "sharing" for targeted advertising under certain state laws.
• Legal and safety — when required by law, subpoena, or to protect the rights, property, or safety of ZAV Agency, our clients, or others.
• Business transfers — in connection with a merger, acquisition, or sale of assets.

5. Cookies & tracking technologies

We and our partners use cookies, pixels, tags, and similar technologies to operate the Site, remember your preferences, measure traffic, and support advertising. Categories include:

• Strictly necessary — required for the Site to function.
• Analytics/performance — help us understand how the Site is used (e.g., Google Analytics).
• Advertising/targeting — used to deliver and measure ads (e.g., Google Ads, Meta).

You can control cookies through your browser settings and through the opt-out tools listed below. Blocking some cookies may affect how the Site works.

6. Advertising & analytics

We use third-party services to analyze Site usage and to deliver and measure advertising, which may include Google Analytics, Google Ads, and Meta (Facebook) advertising tools. These providers may set cookies or use identifiers to collect information about your activity over time and across websites.

You can learn about and opt out of certain advertising practices here:

• Google Ads Settings: adssettings.google.com
• Google Analytics Opt-out Browser Add-on: tools.google.com/dlpage/gaoptout
• How Google uses information from sites that use its services: policies.google.com/technologies/partner-sites
• Digital Advertising Alliance opt-out: optout.aboutads.info
• Network Advertising Initiative opt-out: optout.networkadvertising.org

Your browser may also offer a "Do Not Track" or Global Privacy Control (GPC) signal. Where required by law, we honor recognized opt-out preference signals such as GPC.

7. Calls, texts & TCPA consent

When you submit a quote request or provide your phone number, you authorize ZAV Agency and its representatives to contact you at that number — including by phone call and SMS/text message, and including through automated technology — regarding insurance quotes and related services. Consent to receive marketing calls or texts is not a condition of purchasing any product or service.

Message and data rates may apply. Message frequency varies. You can opt out of text messages at any time by replying STOP, and reply HELP for help. You may ask to be placed on our internal Do-Not-Call list by contacting us using the details below.

8. Your privacy choices

• Marketing emails — click "unsubscribe" in any marketing email or contact us to opt out.
• Text messages — reply STOP to opt out.
• Cookies/ads — use the browser controls and opt-out tools listed above.
• Access or deletion — you may request access to, correction of, or deletion of your personal information as described below.

9. State privacy rights

Depending on where you live, you may have rights regarding your personal information, such as the right to know/access, correct, delete, or obtain a copy of your information, and the right to opt out of targeted advertising or the "sale"/"sharing" of personal information. Residents of states with comprehensive privacy laws (for example, California under the CCPA/CPRA, and other states with similar laws) may exercise these rights.

We do not sell personal information for money. To exercise any right, contact us using the details in the How to contact us section. We will verify your request and respond within the time required by applicable law. You will not be discriminated against for exercising your rights, and you may use an authorized agent where permitted.

10. Data security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, or alteration. No method of transmission or storage is 100% secure, so we cannot guarantee absolute security.

11. Data retention

We keep personal information for as long as needed to provide our services, comply with legal, tax, and regulatory obligations (including insurance recordkeeping requirements), resolve disputes, and enforce our agreements. When information is no longer needed, we take steps to delete or de-identify it.

12. Children's privacy

The Site is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us information, please contact us and we will delete it.

13. Third-party links

The Site may link to third-party websites and tools (for example, carrier portals and our quote platform). We are not responsible for the privacy practices of those third parties. Please review their privacy policies before providing information.

14. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above. Material changes may be highlighted on the Site. Your continued use of the Site after changes become effective means you accept the updated policy.

15. How to contact us

If you have questions about this Privacy Policy or wish to exercise a privacy right, contact us at:

• ZAV Agency
• Phone: 954-414-7100
• Email: zavagencyllc@gmail.com
• Location: Miami, Florida

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