Privacy Policy

This Privacy Policy describes how **Insurance Services by Zen LLC** (doing business as "**Zen Insurance Services**," "we," "us," or "our") collects, uses, and discloses your information. This policy applies to all interactions with our brand, whether through our website, telephonic communications, email, or physical documents.

1. Scope and Consent

By engaging with Zen Insurance Services, you agree to the terms of this Privacy Policy. This policy is **omnichannel**; it governs data collected via:

 * **Digital Platforms:** Our website, client portals, and electronic forms.

 * **Telephonic & Direct Channels:** Phone consultations, SMS/text messages, and voice recordings.

 * **Offline Interactions:** Physical applications, paper records, and in-person meetings.

 

2. Information We Collect

Because we provide professional insurance services, the data we collect is often sensitive in nature. This includes:

 * **Basic Identifiers:** Name, email, phone number, and physical address.

 * **Sensitive Personal Information:** Social Security numbers (SSN), driver’s license numbers, and other government identifiers.

 * **Health & Medical History:** Information regarding your medical conditions, history, and records required for underwriting and policy placement.

 * **Financial & Insurance Data:** Prior insurance coverage history, claims history, credit information, and payment details.

 

3. Sources of Information

We collect information directly from you (via website or phone) and may also collect information from third parties, such as medical providers, consumer reporting agencies, and insurance carriers, to accurately assess risk and provide quotes.

4. How We Use Your Information

We use your information for broad business purposes, including but not limited to:

 * **Service Delivery:** Processing applications, securing quotes, and administering policies.

 * **Verification:** Confirming your identity and eligibility for specific insurance products.

 * **Business Automation:** We may use automated systems and AI-driven tools to process data, organize files, and manage billing workflows.

 * **Marketing:** Providing you with information about products or services offered by Insurance Services by Zen LLC.

5. Disclosure and Sharing

We do not sell your personal data to third parties for their independent marketing purposes. We share your information only as necessary to conduct business:

 * **Insurance Partners:** With carriers, underwriters, and adjusters to facilitate your coverage.

 * **Service Providers:** With vendors who assist in our operations (e.g., cloud storage, payment processing, or automated administrative tools).

 * **Legal & Asset Transfers:** As required by law or in the event of a corporate merger, sale, or acquisition of Insurance Services by Zen LLC. 

 

6. Security and Limitation of Liability

We maintain industry-standard physical and electronic safeguards to protect sensitive data like SSNs and health history. However, no system is impenetrable. By using our services, you acknowledge that Insurance Services by Zen LLC is not liable for the illegal or unauthorized acts of third parties (such as hackers) provided we have maintained commercially reasonable security measures.

 

7. Changes to This Policy

We reserve the right to update this policy at any time. The "Effective Date" at the top of this page will indicate the most recent version. Your continued interaction with Zen Insurance Services constitutes acceptance of these terms