Privacy Policy

ZSF Insurance Agency & Brokerage ("ZSF Insurance," "we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, and your rights regarding that information when you use our website at zsf-insurance.com (the "Site") or our services.

1. Information We Collect

Information you provide directly

When you request a quote, create an account, submit a claim, or contact us, we may collect:

• Full name, email address, phone number, and mailing address
• Business name, type, and size
• Driver information, vehicle details, and fleet records
• Existing insurance policy details
• Payment information (processed securely through our payment provider)
• Any other information you choose to provide

Information collected automatically

When you visit the Site we may automatically collect:

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Device identifiers and cookie data

Information from third parties

If you sign in using Google or Apple, we receive basic profile information (name, email, and profile photo) from those providers in accordance with their privacy policies.

2. How We Use Your Information

We use the information we collect to:

• Provide, operate, and improve our insurance services and website
• Process quote requests and policy applications
• Communicate with you about your account, policies, and claims
• Send service-related notices and, where you have opted in, marketing communications
• Comply with legal obligations and regulatory requirements
• Detect and prevent fraud or unauthorized access
• Analyze usage to improve user experience

3. How We Share Your Information

We do not sell your personal information. We may share it with:

• Insurance carriers and underwriters — to obtain quotes, bind coverage, and service your policies
• Service providers — vendors who help us operate the Site under confidentiality agreements
• Legal and regulatory authorities — when required by law, court order, or to protect the rights and safety of ZSF Insurance or others
• Business transfers — in connection with a merger, acquisition, or sale of assets, with appropriate confidentiality protections

4. Cookies

We use essential cookies to keep you signed in and remember your preferences. We may also use analytics cookies to understand how the Site is used. You can control cookies through your browser settings; disabling certain cookies may affect Site functionality.

5. Data Retention

We retain your personal information for as long as your account is active, as needed to provide services, or as required by law. You may request deletion of your account at any time.

6. Data Security

We implement industry-standard technical and organizational measures — including encryption in transit, access controls, and regular security reviews — to protect your information. No method of transmission over the internet is 100% secure; we cannot guarantee absolute security.

7. Your Rights and Choices

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate or incomplete data
• Request deletion of your personal information
• Opt out of marketing communications at any time
• Lodge a complaint with your local data protection authority

To exercise these rights, contact us at privacy@zsf-insurance.com. To ask us to delete your account and associated data, use our account deletion request page.

8. Children's Privacy

Our Site and services are not directed to individuals under 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently done so, please contact us and we will promptly delete it.

9. Third-Party Links

The Site may link to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised version on this page with an updated effective date and, for material changes, notify you by email or prominent notice on the Site.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

ZSF Insurance Agency & Brokerage
Email: privacy@zsf-insurance.com
Phone: (626) 677-6280