PRIVACY POLICY

Zhou Agency | Last Updated: Apr 14, 2026

This Privacy Notice for Zhou Agency ("we," "us," or "our"), describes how and why we might access, collect, store, use, and/or share ("process") your personal information when you use our services ("Services"), including when you:

Visit our website at http://www.zhouagency.com, or any website of ours that links to this Privacy Notice
Engage with us in other related ways, including any sales, marketing, or events

Questions or concerns? Reading this Privacy Notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you have any questions or concerns, please contact us at info@zhouagency.com.

SUMMARY OF KEY POINTS

This summary provides key points from our Privacy Notice. You can find more details by using our table of contents below.

What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us, the choices you make, and the products and features you use.
Do we process any sensitive personal information? We do not process sensitive personal information.
Do we collect any information from third parties? We do not collect any information from third parties.
How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law.
In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties.
What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information.
How do you exercise your rights? The easiest way to exercise your rights is by submitting a data subject access request, or by contacting us.

1. What Information Do We Collect?

2. How Do We Process Your Information?

3. When and With Whom Do We Share Your Personal Information?

4. Do We Use Cookies and Other Tracking Technologies?

5. How Do We Handle Your Social Logins?

6. How Long Do We Keep Your Information?

7. Do We Collect Information from Minors?

8. What Are Your Privacy Rights?

9. Controls for Do-Not-Track Features

10. Do United States Residents Have Specific Privacy Rights?

11. Do We Make Updates to This Notice?

12. How Can You Contact Us About This Notice?

13. How Can You Review, Update, or Delete the Data We Collect From You?

14. Insurance-Specific Data Practices

15. Data Breach Notification

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us. The personal information we collect may include:

Names
Phone numbers
Email addresses
Mailing addresses

Sensitive Information. We do not process sensitive information.

Social Media Login Data. We may provide you with the option to register with us using your existing social media account details, like your Facebook, X, or other social media account. If you choose to register in this way, we will collect certain profile information about you from the social media provider, as described in Section 5 below.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Information automatically collected

We automatically collect certain information when you visit, use, or navigate the Services. This information may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

2. HOW DO WE PROCESS YOUR INFORMATION?

We process your personal information for a variety of reasons, including:

To deliver and facilitate delivery of services to you.
To enable user-to-user communications.
To deliver targeted advertising to you and determine the effectiveness of our marketing and promotional campaigns.
To respond to inquiries and offer support to users.
To comply with legal and regulatory obligations applicable to insurance agencies, including state licensing requirements and carrier reporting obligations.

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

We may need to share your personal information in the following situations:

Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
Insurance Carriers and Underwriters. As an insurance agency, we may share your information with insurance carriers, underwriters, and reinsurers as necessary to obtain quotes, bind coverage, and service your policies.
Regulatory Authorities. We may share your information with state insurance departments or other regulatory bodies as required by law.

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

We may use cookies and similar tracking technologies (like web beacons and pixels) to gather information when you interact with our Services. Some online tracking technologies help us maintain the security of our Services, prevent crashes, fix bugs, save your preferences, and assist with basic site functions.

We also permit third parties and service providers to use online tracking technologies on our Services for analytics and advertising purposes. To the extent these online tracking technologies are deemed to be a "sale" or "sharing" under applicable US state laws, you can opt out by submitting a request as described in Section 10.

Google Analytics. We may share your information with Google Analytics to track and analyze the use of the Services. To opt out, visit https://tools.google.com/dlpage/gaoptout.

5. HOW DO WE HANDLE YOUR SOCIAL LOGINS?

Our Services offer you the ability to register and log in using your third-party social media account details (like your Facebook or X logins). Where you choose to do this, we will receive certain profile information about you from your social media provider. We will use the information we receive only for the purposes described in this Privacy Notice.

6. HOW LONG DO WE KEEP YOUR INFORMATION?

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

Note for insurance clients: Illinois law and insurance regulations may require us to retain certain policy and claims records for extended periods. Records related to insurance transactions are generally retained for a minimum of five (5) years or as otherwise required by applicable state law.

7. DO WE COLLECT INFORMATION FROM MINORS?

We do not knowingly collect, solicit data from, or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent's use of the Services. If you believe we have collected data from a minor, please contact us at info@zhouagency.com.

8. WHAT ARE YOUR PRIVACY RIGHTS?

Withdrawing your consent. If we are relying on your consent to process your personal information, you have the right to withdraw your consent at any time by contacting us using the details in Section 12.

Opting out of marketing communications. You can unsubscribe from marketing communications at any time by replying “STOP” or “UNSUBSCRIBE” to our SMS messages, or by contacting us directly. We may still send you service-related messages necessary for the administration of your account.

If you have questions or comments about your privacy rights, you may email us at info@zhouagency.com.

9. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers include a Do-Not-Track (“DNT”) feature. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals. If a standard is adopted that we must follow in the future, we will inform you in a revised version of this Privacy Notice.

10. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Montana, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, or Virginia, you may have certain rights regarding your personal information, including:

Right to know whether or not we are processing your personal data
Right to access your personal data
Right to correct inaccuracies in your personal data
Right to request the deletion of your personal data
Right to obtain a copy of the personal data you previously shared with us
Right to non-discrimination for exercising your rights
Right to opt out of the processing of your personal data for targeted advertising, sale, or profiling

How to Exercise Your Rights. To exercise these rights, you can contact us by submitting a data subject access request or by referring to the contact details in Section 12. We will honor your opt-out preferences if you enact the Global Privacy Control (GPC) opt-out signal on your browser.

California “Shine The Light” Law

California Civil Code Section 1798.83 permits California residents to request, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes. Please submit such requests in writing using the contact details in Section 12.

11. DO WE MAKE UPDATES TO THIS NOTICE?

Yes, we will update this notice as necessary to stay compliant with relevant laws. The updated version will be indicated by an updated “Last Updated” date at the top of this Privacy Notice. We encourage you to review this Privacy Notice frequently.

12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may contact us at:

Zhou Agency

625 N Michigan Ave

Chicago, IL 60611

United States

Email: info@zhouagency.com

13. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

You have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. To request to review, update, or delete your personal information, please contact us at info@zhouagency.com or submit a data subject access request.

14. INSURANCE-SPECIFIC DATA PRACTICES

As a licensed insurance agency, we may collect and process additional categories of information to fulfill our professional obligations, including:

Insurance history, claims history, and prior coverage information
Driver's license numbers and vehicle information for auto insurance applications
Property descriptions and valuations for property insurance applications
Business information including revenue, employee count, and operations for commercial insurance

This information is collected solely for the purpose of obtaining insurance quotes, binding coverage, and servicing policies on your behalf. It is shared only with the carriers and intermediaries necessary to fulfill these purposes.

15. DATA BREACH NOTIFICATION [NEW]

In the event of a data breach that affects your personal information, Zhou Agency will notify affected individuals in accordance with applicable state law. Illinois law (815 ILCS 530) requires notification without unreasonable delay when a breach of security of personal information is discovered. We will notify you via email or written notice at the address we have on file for you.

To report a suspected breach or security concern, contact us immediately at info@zhouagency.com.

PRIVACY POLICY FOR SMS TEXT MESSAGING

This section explains how Zhou Agency collects, uses, discloses, and safeguards your personal information when you interact with our SMS Text Message service.

Information We Collect

Personal Information: Mobile phone number, name, and contact information when you subscribe to our SMS messaging service.
SMS Interactions: Content of messages you send or receive, and the date and time of such messages.
Device Information: Device type, operating system, and mobile network information, collected solely to improve service delivery.

Use of Information

SMS Communication: We use your information to send SMS messages, updates, and relevant scheduling information.
Improvement of Services: Data collected helps us understand how you use our SMS service and improve it.
Marketing and Advertising: We do not use your personal information for marketing or advertising purposes.

Sharing of Information

Zhou Agency does not share personal information collected through our SMS service with any third party. Your data is solely used within our scope of work for the purposes outlined in this Privacy Policy.

Your Choices

Opt-Out: Reply “STOP” to any of our messages to opt out at any time.
Access and Update: Contact us at info@zhouagency.com to update your information.

Data Security

Zhou Agency implements reasonable measures to protect your personal information from unauthorized access, disclosure, or alteration.

Children’s Privacy

This SMS messaging service is not intended for use by individuals under the age of 16. We do not knowingly collect personal information from children without parental consent.

Changes to Privacy Policy

Zhou Agency may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any updates will be posted on our website.

Contact Us

Questions about this Privacy Policy or our SMS messaging service? Contact us at info@zhouagency.com.