Privacy Policy, Terms of Service & Legal Disclosures
ZL Insurance Agency
Website: https://zlinsurance.com
January 2026
1. Introduction
ZL Insurance Agency (“we,” “us,” or “our”) operates the website at https://zlinsurance.com (the “Site”). This all-in-one Policy and Legal Disclosure (“Policy”) explains how we collect, use, disclose, and protect information obtained through the Site and defines the terms under which you may access and use the Site and our services.
By accessing or using this Site, submitting information, or otherwise interacting with us, you agree to this Policy and these Terms.
2. Information We Collect
2.1 Information You Provide
We collect personal information that you voluntarily submit through web forms or communications, including:
• Full name
• Email address
• Phone number
• ZIP code or general location
• Insurance interest or inquiry details
This information is used to respond to your inquiry and provide requested services.
2.2 Automatically Collected Information
When you visit the Site, we may automatically collect:
• IP address
• Browser type and version
• Device type
• Operating system
• Pages visited and time spent
• Referring website addresses
This information helps us analyze usage and improve the Site.
2.3 Cookies & Tracking Technologies
We use cookies, pixels, and similar technologies to:
• Operate and secure the Site
• Authenticate form submissions
• Remember user preferences
• Analyze traffic and performance
• Detect abuse or fraud
Cookies may be session cookies (deleted when you close your browser) or persistent cookies (stored on your device for a set period).
Third-party analytics or advertising tools may also place cookies on your device according to their own policies.
3. Cookie Management & Opt-Out
You have control over cookies. Most web browsers allow you to:
• View cookies stored on your device
• Delete cookies
• Block cookies entirely
• Receive alerts before cookies are stored
Browser settings (Chrome, Edge, Safari, Firefox) provide options to manage cookies. If you disable cookies, some Site features may not function properly.
Third-party services (e.g., analytics, ads, social embeds) may use cookies per their own policies, which are not controlled by us.
4. How We Use Your Information
We may use your information to:
• Respond to insurance inquiries
• Provide quotes and product information
• Communicate with you about policies and services
• Improve our Site and service offerings
• Ensure Site security and detect misuse
• Comply with legal and regulatory requirements
We do not sell or rent your personal information to third parties for their independent marketing.
5. Sharing Your Information
We may share your information with:
• Insurance carriers and partners necessary to respond to your request
• Service providers who support Site operations
• Compliance, law enforcement, or regulatory authorities when required by law
• Successor entities in the event of a merger, acquisition, or asset sale
We do not share phone numbers or SMS consent information with third parties for their own marketing without your consent.
6. Communications & Consent
By providing your contact information, you consent to receive communications from ZL Insurance Agency by phone (including automated calls), SMS/text, and email regarding your inquiry and related services.
Message frequency may vary. Message and data rates may apply.
You may opt out of SMS at any time by replying STOP.
Reply HELP for assistance.
Email communications include an unsubscribe link.
7. Insurance & Professional Disclosures
ZL Insurance Agency is a licensed insurance agency that offers assistance in exploring and comparing insurance products. We work with multiple carriers; however, we do not necessarily offer every plan available in all areas.
Insurance products, including health, life, auto, home, and other coverage, are subject to the terms, conditions, limitations, and exclusions contained in the applicable policy contract.
8. Medicare / Government Disclaimer
This Site and its content are for informational purposes only. We are not affiliated with or endorsed by any government agency, including Medicare, Healthcare.gov, or state exchanges.
Plan availability and eligibility vary by location, carrier, and underwriting criteria. You should consult official sources (e.g., Medicare.gov, Healthcare.gov, state insurance departments) and licensed professionals when making decisions.
9. Website & Professional Disclaimer
All content on this Site is provided for general informational purposes and does not constitute legal, financial, medical, or insurance advice. You should rely on official policy documents and advice from licensed professionals when making insurance or financial decisions.
We do not guarantee the accuracy, completeness, or currency of information on this Site.
10. Limitation of Liability
To the fullest extent permitted by law, ZL Insurance Agency and its owners, officers, employees, and affiliates shall not be liable for any damages arising out of your use of this Site or reliance on its content, including direct, indirect, incidental, consequential, or punitive damages.
11. Third-Party Links & Tools
This Site may contain links to third-party websites or embedded tools (e.g., analytics, forms, videos, maps). We do not control or endorse their content, privacy practices, or terms of use. Accessing third-party sites is at your own risk.
12. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no system is completely secure, and we cannot guarantee absolute protection.
13. Data Retention
We retain personal information only as long as necessary to fulfill the purposes outlined in this Policy, respond to your inquiry, comply with legal and regulatory requirements, resolve disputes, and enforce our agreements.
14. Children’s Privacy
This Site is not intended for children under the age of 13, and we do not knowingly collect personal information from children under 13. If you believe we have collected such information, contact us and we will delete it.
15. Your Rights & State Privacy Laws
Depending on your state of residence, you may have rights regarding your personal data, including rights under applicable privacy laws such as:
• California Consumer Privacy Act (CCPA/CPRA)
• Colorado Privacy Act
• Virginia Consumer Data Protection Act
• Connecticut Personal Data Privacy and Online Monitoring Act
You may request access, correction, deletion, or limitation of your personal data. To exercise your rights, contact us using the information below.
16. Intellectual Property
All content, graphics, logos, and trademarks on this Site are the property of ZL Insurance Agency or its licensors and are protected by intellectual property laws. You may not copy, reproduce, or distribute Site content without written permission.
17. Governing Law
This Policy and your use of this Site shall be governed by the laws of the state in which ZL Insurance Agency is headquartered, without regard to conflict-of-law principles.
18. Changes to This Policy
We may update this Policy at any time. Updates will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Policy.
19. Contact Information
ZL Insurance Agency
(954) 701-4733
701 NE 125th Street, Miami FL 33161