Privacy Policy

Thank you for checking out Zatrax’s Privacy Policy. As part of offering you Zatrax’s products and services,
we ask you for information about you. Some of this is private, and perhaps sensitive, information to you.
Safeguarding the confidentiality of your private information is very important to us. This Privacy Policy
applies to zatrax.life (the “Site”) and Zatrax Life Insurance Company (“Zatrax”) and its affiliates For the
purposes of this Privacy Policy, unless otherwise noted, all references to Zatrax include zatrax.life. The
Zatrax website is a life insurance brokerage site. This Privacy Policy is intended to tell you, our
customers, former customers, or potential customers, about how we collect information, what information
we may collect, the methods we use to protect your data, and circumstances when we may share the
information with our subsidiaries and limited business partners. By using the Zatrax website, you consent
to the data practices described in this statement.

Collection of your Personal Information
In order to better provide you with products and services offered on our Site, Zatrax may collect
personally identifiable information, such as your:
● First and Last Name
● Mailing Address
● E-mail Address
● Phone Number
Zatrax may also collect anonymous demographic information, which is not unique to you, such as your:
● Age
● Gender
● Household Income
We do not collect any personal information about you unless you voluntarily provide it to us. However, you
may be required to provide certain personal information to us when you elect to use certain products or
services available on Zatrax . These may include: (a) obtaining a life insurance product recommendation
on our Site; (b) obtaining personalized life insurance quotes; (c) signing up for a life insurance
pre-approval; (d) sending us an email message; (e) signing up for our email newsletters. We will use your
information for, but not limited to, communicating with you in relation to services and/or products you have
requested from us. We also may gather additional personal or non-personal information in the future.

Use of your Personal Information
Zatrax collects and uses your personal information to operate its website(s) and deliver the services you
have requested. In order to give you a quote for a product, we will ask you for information that does
personally identify you, such as: your date of birth, zip code, gender, financial information, your lifestyle
information such as whether you smoke and some biological information; and so that we can deliver that
quote that you requested, we will ask you for your email and name.
Zatrax may also use your personally identifiable information to inform you of other products or services
available from Zatrax and its affiliates. If you would like to not receive such offers, you may opt out of such
communications from our affiliates.

Sharing Information with Third Parties
Zatrax may share information about you, your computer, or other device with our subsidiaries and
affiliates. We may also share your information with unaffiliated parties so that we may conduct our
business, and so we, or the unaffiliated parties, may offer your products and services. Zatrax may also
share data with third parties to help us perform statistical analysis, verify your identity, life insurance
application data, perform other insurance-related services, send you requested email or postal mail,
provide customer support, or deliver your life insurance policy. Zatrax may also request your authorization
to gain third party reports, such as medical, credit, and driving records, if relevant to a product or service
requested by you.

Tracking User Behavior
We use a technology service that helps us better understand our Site’s users’ needs and to optimize our
Site’s experience. In other words, this technology service helps us understand how much time you may
spend on which pages, which links you may choose to click, what you may like and not like, etc., and this
enables us to build and maintain our Site with this feedback. The technology service stores this
information on our behalf in a pseudonymized user profile. Like any vendor or third party with whom we
work, the technology service is contractually forbidden to sell any of the data collected on our behalf.

Automatically Collected Information
Information about your computer hardware and software may be automatically collected by Zatrax. This
information can include information of the device used to access our Site: IP address, browser type,
domain names, access times and referring website addresses. This information is used for the operation
of Zatrax, to maintain quality of Amplify , and to provide general statistics regarding use of Zatrax .

Tracking and Use of Cookies
Zatrax uses “cookies” and other technologies to help you personalize your online experience. You have
the ability to accept or decline cookies. Amplify and our technology service uses cookies to collect data on
our Site’s visitors’ behavior while on Zatrax and their devices. This includes a device’s IP address
(processed during your session and stored in a de-identified form), device screen size, device type
(unique device identifiers), browser information, geographic location (country only), and the preferred
language used to display our Site.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The
purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if
you personalize Zatrax pages, or register with the Site or services, a cookie helps Zatrax to recall your
specific information on subsequent visits. This eliminates the need for you to re-enter your personal
information, such as billing addresses, shipping addresses, and so on. When you return to the same Site,
the information you previously provided can be retrieved, so you can easily use the Zatrax features that
you customized.
Most Web browsers automatically accept cookies, but you can usually modify your browser setting to
decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the
interactive features of the Zatrax services or website when you visit.
Zatrax uses services provided by Facebook and other companies that use marketing and tracking
technology. These services rely on technologies, such as cookies and/or web beacons, to collect
information about your browsing activities, your exchanges with websites, and the device you are using to
connect to the Internet directly from your device.
If you a question about our Privacy Policy or have a recommendation about our policies, please contact
us at info@zatrax.life.

Protecting your Personal Information
Zatrax safeguards your personal information from unauthorized access, use, or disclosure. Zatrax uses
the following methods for this purpose:
● SSL Protocol
● Data Encryption
As part of the process of an insurance company offering, selling, underwriting, reviewing, rating, or
otherwise handling a policy for insurance, personal information of the applicant and policyholder is
customarily handled by third parties who are experts in certain aspects of the process. When Zatrax
transmits personal information (such as a driver’s license number) to these third parties’ websites, it is
protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.
We aim for rigorous security measures to protect against unauthorized access to or alteration of your
personal information. Unfortunately, no data transmission over the Internet or any wireless network can
be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you
acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond
our control; and (b) security, integrity, and privacy of any and all information and data exchanged between
you and us through this Site cannot be guaranteed.

Right to Deletion
Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:
● Delete your personal information from our records; and
● Direct any service providers to delete your personal information from their records.
Please note that we may not be able to comply with requests to delete your personal information if it is
necessary to:
● Complete the transaction for which the personal information was collected, fulfill the terms of a
written warranty or product recall conducted in accordance with federal law, provide a good or
service requested by you, or reasonably anticipated within the context of our ongoing business
relationship with you, or otherwise perform the promises of a contract between you and us;
● Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or
prosecute those responsible for that activity;
● Debug to identify and repair errors that impair existing intended functionality;
● Exercise free speech, ensure the right of another consumer to exercise his or her right of free
speech, or exercise another right provided for by law;
● Comply with the California Electronic Communications Privacy Act, if applicable, or comply with
another statute or regulation in effect if applicable to Amplify;
● Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest
that adheres to all other applicable ethics and privacy laws, when our deletion of the information
is likely to render impossible or seriously impair the achievement of such research, provided we
have obtained your informed consent;
● Enable solely internal uses that are reasonably aligned with your expectations based on your
relationship with us;
● Comply with an existing legal obligation; or
● Otherwise use your personal information, internally, in a lawful manner that is compatible with the
context in which you provided the information.

Children Under Thirteen
Zatrax does not knowingly collect personally identifiable information from children under the age of
thirteen. If you are under the age of thirteen, Zatrax requests you to ask your parent or guardian for
permission to use this website.

E-mail Communications
From time to time, Zatrax or an Zatrax affiliate, may contact you via email for the purpose of providing
announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication.
In order to improve our Services, we may receive a notification when you open an email from Zatrax or
click on a link therein.
If you would like to stop receiving marketing or promotional communications via email from Zatrax, you
may opt out of such communications by clicking on the UNSUBSCRIBE button.

External Data Storage Sites
We may store your data on servers provided by third party hosting vendors with whom we have
contracted.

Changes to this Statement
Zatrax reserves the right to change this Privacy Policy from time to time. We will notify you about
significant changes in the way we treat personal information by sending a notice to the primary email
address specified in your account, by placing a prominent notice on our site, and/or by updating any
privacy information on this page. Your continued use of the Site and/or Services available through this
Site after such modifications will constitute your: 

(a) acknowledgment of the modified Privacy Policy; and
(b) agreement to abide and be bound by that Policy.

Contact Information
Zatrax welcomes your questions or comments regarding this Statement of Privacy. If you believe that
Zatrax has not adhered to this Statement, please contact Zatrax at:
Zatrax Life Insurance Company
Email Address: info@zatrax.life