Privacy Policy

Effective Date: June 24, 2026  ·  Last Updated: June 24, 2026

This Privacy Policy explains how ZWH Health, operated by Zachary Hyman, a licensed independent health insurance broker ("ZWH Health," "we," "us," or "our"), collects, uses, discloses, and protects information when you visit zacharyhyman.com (the "Site") or otherwise interact with us, including by phone, email, or our online scheduling tool. By using the Site, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use the Site.

1. Information We Collect

Information You Provide Directly

• Contact details such as your name, email address, and phone number.
• Information you share when requesting a quote or consultation, such as your date of birth, zip code or state of residence, household size, and general coverage needs.
• Messages, questions, or other details you submit to us by phone, email, or contact form.
• Appointment information submitted through our online scheduling tool, Calendly, including your name, email address, and selected appointment time. Calendly's own privacy practices are described at calendly.com/privacy.

Information Collected Automatically

• IP address, browser type, device type, and operating system.
• Pages viewed, time spent on the Site, links clicked, and referring or exit pages.
• Approximate geographic location inferred from your IP address.
• Date and time of your visit.

Information From Cookies, Pixels & Similar Technologies

Described in detail in Section 2 below.

2. Cookies, Pixels & Advertising Technologies

We use cookies and similar tracking technologies to operate the Site, understand how visitors use it, and deliver and measure advertising — including ads run through Meta (Facebook and Instagram).

Meta (Facebook) Pixel & Conversions API

The Site uses the Meta Pixel and/or Meta Conversions API. These tools allow Meta to collect information about your visit — such as the pages you view, actions you take, and device/browser information — and to share that information with us in aggregate or de-identified form. This data helps us measure the effectiveness of our Facebook and Instagram ad campaigns, build custom and lookalike audiences, and show you more relevant ads on Meta's platforms. Meta may combine this information with other data it has collected about you. You can learn more about how Meta uses this information in Meta's Data Policy and manage your ad preferences at facebook.com/adpreferences.

Other Cookies & Analytics

We may also use analytics and advertising cookies (such as Google Analytics or similar tools) to understand Site traffic and improve our marketing. These cookies generally fall into the following categories:

• Necessary cookies — required for the Site to function properly.
• Analytics cookies — help us understand how visitors interact with the Site.
• Advertising cookies — used by us and our advertising partners (including Meta) to deliver and measure relevant ads, and to limit how many times you see an ad.

Your Cookie Choices

Most browsers let you block or delete cookies through their settings. You can also manage ad personalization through:

• Meta Ad Preferences: facebook.com/adpreferences/ad_settings
• Google Ads Settings: adssettings.google.com
• Digital Advertising Alliance opt-out: aboutads.info/choices
• Network Advertising Initiative opt-out: networkadvertising.org/choices

Blocking cookies may affect how the Site functions and may reduce the relevance of ads you see, but it will not stop ads altogether.

3. How We Use Your Information

• To respond to inquiries and schedule consultations.
• To discuss coverage options and provide insurance quotes.
• To operate, maintain, secure, and improve the Site.
• To send appointment confirmations, reminders, and follow-up communications.
• To market our services to you, including through retargeting ads on Meta platforms and other ad networks.
• To measure and analyze the performance of our advertising and marketing efforts.
• To comply with applicable insurance licensing, regulatory, and legal obligations.

4. How We Share Your Information

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

• Service providers who help us operate the Site and our business, such as Calendly (scheduling), our website hosting provider, and email service providers.
• Meta Platforms, Inc. and other advertising partners, for ad delivery, audience building, and performance measurement, as described in Section 2.
• Insurance carriers and underwriters, but only if and when you request a quote or choose to apply for or enroll in coverage, and only with the information necessary to provide that quote or complete enrollment.
• Legal and regulatory authorities, when required by law, regulation, legal process, or government request, or to protect our rights, property, or safety, or that of others.
• A successor entity, in the event of a merger, acquisition, or sale of business assets.

5. Health Information Disclaimer

This Site is for informational purposes only and does not collect Protected Health Information (PHI) through online forms. We do not request or store detailed medical history, diagnoses, or treatment information through the Site itself. Any health-related details you choose to share are provided directly to Zachary Hyman by phone or during a private consultation in connection with shopping for insurance coverage, and are handled in accordance with applicable insurance industry confidentiality standards and state law.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Policy, maintain business and insurance licensing records, comply with legal and regulatory obligations, and resolve disputes.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Your Privacy Rights & Choices

• Marketing communications — you may opt out of marketing emails, calls, or texts at any time by contacting us using the information in Section 12.
• Cookie controls — see Section 2 for browser and ad-preference opt-out options.
• California residents — under the California Consumer Privacy Act (CCPA/CPRA), you may have the right to know what personal information we have collected about you, request deletion or correction of that information, opt out of the "sale" or "sharing" of personal information (we do not sell personal information), and not be discriminated against for exercising these rights. To exercise these rights, contact us using the information in Section 12.
• Residents of other states — depending on where you live, similar privacy rights may apply. Contact us and we will respond consistent with applicable law.
• Do Not Track — the Site does not currently respond to browser "Do Not Track" signals.

9. Children's Privacy

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

10. Third-Party Links

The Site may contain links to third-party websites and platforms, including our Calendly scheduling page and our Facebook and Instagram pages. We are not responsible for the privacy practices of these third parties, and we encourage you to review their privacy policies before providing them with information.

11. State Insurance Disclosures

As a licensed insurance broker, certain information you provide in connection with requesting a quote or enrolling in coverage may be subject to additional confidentiality protections under applicable state insurance laws. We do not disclose nonpublic personal information about you to non-affiliated third parties except as permitted by law or as necessary to service your insurance needs.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The "Last Updated" date above reflects the most recent changes. Your continued use of the Site after changes take effect constitutes acceptance of the revised Policy.

Contact Us

If you have questions about this Privacy Policy or would like to exercise any of the rights described above, contact us: