Effective Date: February 20, 2026
Last Updated: February 20, 2026
This document consolidates the following SUNZ Insurance Company website policies for sunzins.com: (1) Privacy Statement, (2) Cookie Policy, and (3) Terms of Use. For any issues, contact security@asic.hcpdeveloper.com.
1) Privacy Statement
SUNZ Insurance Company (“SUNZ”, “we”, “us”, “our”) respects your privacy. This Privacy Statement explains how we collect, use, disclose, and protect personal information when you visit sunzins.com (the “Site”) or otherwise interact with us. For privacy questions or requests, contact security@asic.hcpdeveloper.com.
1.1 Scope
This Privacy Statement applies to personal information collected through the Site, customer portals, online forms, events, and marketing communications. Additional service- or product-specific notices may supplement this Statement where relevant (e.g., policyholder notices, producer/agent portals).
1.2 Information We Collect
a) Information You Provide: identifiers (name, email, phone), professional details (company, title), account credentials (if applicable), claims or policy inquiry details, payment/billing information (if applicable), and communications you send to us.
b) Information Collected Automatically: IP address, device and browser type, operating system, device identifiers, general location (derived from IP), pages viewed, time on page, clickstream data, and diagnostics (errors, performance).
c) Information From Third Parties: service providers (hosting, analytics, email delivery, payment processors), advertising/marketing partners, anti-fraud services, and public sources (e.g., professional profiles) consistent with applicable law.
1.3 Purposes of Use
We use personal information to: (i) provide, operate, and secure the Site and services; (ii) respond to inquiries and customer support; (iii) personalize content and communications; (iv) analyze usage and improve performance; (v) conduct marketing and measure campaigns where permitted; (vi) prevent, detect, and investigate fraud, abuse, or security incidents; (vii) comply with legal and regulatory obligations; and (viii) support internal operations such as auditing, debugging, and research/development.
1.4 Legal Bases (if GDPR/UK GDPR applies)
Where applicable, we rely on one or more of the following: performance of a contract, legitimate interests (e.g., to operate our Site), consent (for non-essential cookies/marketing), and compliance with legal obligations.
1.5 Cookies & Tracking
We use cookies and similar technologies (pixels, tags, SDKs, local storage). Categories include strictly necessary, performance/analytics, functional, advertising/retargeting, and social media. Manage preferences via your browser and the Site’s cookie banner or preference center. See the Cookie Policy below for details.
1.6 Disclosures of Personal Information
We disclose personal information to: (a) service providers and contractors (hosting, analytics, email, security, payments, support) bound by contractual confidentiality and use limitations; (b) affiliates for the purposes described here; (c) business partners where you engage or consent; (d) legal, regulatory, or governmental authorities as required by law; and (e) buyers/successors in corporate transactions, subject to continued protection of the data.
1.7 Data Retention
We retain personal information for as long as necessary to fulfill the purposes in this Statement, comply with legal, tax, and regulatory requirements, resolve disputes, and enforce agreements. Retention periods vary by data category and context.
1.8 Security
We implement administrative, technical, and physical safeguards appropriate to the nature of the information. No method of transmission or storage is 100% secure. If you suspect a security issue, contact security@asic.hcpdeveloper.com.
1.9 Your Privacy Rights
Subject to your jurisdiction, you may have rights to: access, correct, delete, and receive a copy of your personal information; opt out of targeted advertising and certain profiling; withdraw consent where processing is based on consent; and limit use/disclosure of sensitive personal information (if applicable). To exercise rights, email security@asic.hcpdeveloper.com. We will verify your request and respond consistent with applicable law. Authorized agents may submit requests subject to verification.
1.10 U.S. State Privacy Notices (including CCPA/CPRA)
Categories collected in the last 12 months may include: identifiers; customer records (if applicable); commercial information (considered/purchased services); internet/network activity; geolocation (generalized); professional information; and inferences. We do not sell personal information for money, but we may “share” personal information for cross-context behavioral advertising via cookies. Opt out via the Your Privacy Choices link (if available) or email security@asic.hcpdeveloper.com with subject “CCPA/CPRA Opt-Out”. We do not discriminate for exercising rights.
1.11 Children’s Privacy
The Site is not directed to children under 13. We do not knowingly collect personal information from children. If you believe we have collected such information, contact us to delete it.
1.12 International Transfers
If you access the Site from outside the U.S., your data may be transferred to, stored, or processed in the U.S. or other countries. Where required, we implement appropriate safeguards for cross-border transfers.
1.13 Third-Party Links and Services
Our Site may link to third-party sites and services. Their privacy practices are governed by their own policies.
1.14 Changes
We may update this Privacy Statement from time to time. Material changes will be posted with an updated Effective Date. Continued use of the Site indicates acceptance.
1.15 Contact
SUNZ Insurance Company – Security & Privacy | Email: security@asic.hcpdeveloper.com
2) Cookie Policy
This Cookie Policy explains how SUNZ Insurance Company uses cookies and similar technologies on sunzins.com. It should be read with the Privacy Statement.
2.1 What Are Cookies?
Cookies are small text files that store information on your device. Similar technologies include pixels, tags, SDKs, local storage, and web beacons.
2.2 Categories of Cookies
• Strictly Necessary – core functionality, security, load balancing
• Performance/Analytics – usage statistics to improve the Site
• Functional – remember preferences
• Advertising/Targeting – relevant ads and measurement
• Social Media – enable sharing and insights
2.3 Example Cookies & Duration
Examples (update per your actual stack): Cloudflare __cf_bm (bot management, ~30 mins), sessionid (session), Google Analytics _ga/_gid (analytics, 24 hours–13 months), lang_pref (6 months), Meta _fbp (ads, ~90 days), LinkedIn li_gc/li_sugr (6–12 months).
2.4 Legal Bases & Consent (if GDPR/UK GDPR applies)
We rely on consent for non-essential cookies; strictly necessary cookies are processed under legitimate interests. You can withdraw consent at any time through the cookie preferences.
2.5 Your Choices
Use our cookie banner or preference center to Accept All, Reject Non‑Essential, or Customize by category. You can also adjust your browser settings. Disabling some cookies may impact functionality.
2.6 Global Privacy Control (GPC) & Do Not Track
Where detected and required, we endeavor to honor GPC signals as an opt‑out of sale/sharing for cross‑context behavioral advertising. DNT is not standardized and may not be honored.
2.7 CCPA/CPRA – Do Not Sell or Share
We do not sell personal information for money, but certain advertising cookies may constitute “sharing”. Opt out via the Your Privacy Choices link (if available) or email security@asic.hcpdeveloper.com with subject “CCPA/CPRA Opt‑Out”. Set preferences per browser/device.
2.8 Retention & Third Parties
Cookie lifespans vary. Third‑party providers (analytics, ads, social) may process data in other countries; their practices are governed by their policies. We take steps to ensure appropriate safeguards.
2.9 Changes & Contact
We may update this Cookie Policy. Contact: security@asic.hcpdeveloper.com
3) Terms of Use
Welcome to sunzins.com (the “Site”). By accessing or using the Site, you agree to these Terms of Use (the “Terms”). If you do not agree, do not use the Site.
3.1 Eligibility & Accounts
You must be able to form a binding contract to use the Site. If the Site offers accounts or portals, you are responsible for maintaining the confidentiality of your credentials and for all activity under your account.
3.2 Acceptable Use
You will not: (a) access or use the Site in an unlawful manner; (b) probe, scan, or test the vulnerability of systems; (c) interfere with security or access controls; (d) use automated means without permission; (e) reverse engineer or copy Site code except as permitted by law; or (f) upload malware or harmful content.
3.3 Content & Intellectual Property
All content on the Site, including text, graphics, logos, and software, is owned by or licensed to SUNZ and is protected by intellectual property laws. You receive a limited, revocable, non‑exclusive, non‑transferable license to access and use the Site for lawful purposes. No other rights are granted.
3.4 User Content
If you submit content (e.g., forms, feedback), you represent you have the right to do so, that it is accurate, lawful, and non‑confidential unless we state otherwise. You grant SUNZ a non‑exclusive, worldwide license to use such content to operate and improve the Site and services.
3.5 Third‑Party Links & Services
Links to third‑party sites or services are provided for convenience. We do not control or endorse and are not responsible for their content, policies, or practices.
3.6 No Advice; Insurance Disclaimers
Site content is for general informational purposes only and does not constitute legal, financial, or insurance advice. Coverage is subject to policy terms, conditions, exclusions, and underwriting approval. Refer to actual policy documents for details.
3.7 Availability & Changes
We may modify, suspend, or discontinue any part of the Site at any time without notice. We may update these Terms periodically; continued use after an update constitutes acceptance.
3.8 Warranty Disclaimer
THE SITE AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT, TO THE MAXIMUM EXTENT PERMITTED BY LAW.
3.9 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SUNZ AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE.
3.10 Indemnification
You agree to defend, indemnify, and hold harmless SUNZ and its affiliates from and against any claims, damages, liabilities, costs, and expenses arising from your use of the Site or breach of these Terms.
3.11 Compliance, Export, and Sanctions
You represent that you are not located in, under the control of, or a national or resident of any country or entity subject to U.S. embargoes or sanctions, and you will comply with applicable export and re‑export restrictions.
3.12 Accessibility
SUNZ is committed to accessibility and is working to improve the Site’s user experience for everyone. If you have difficulty accessing content, contact security@asic.hcpdeveloper.com.
3.13 DMCA / IP Notices
If you believe your intellectual property rights are infringed on the Site, contact us with a notice including details of the work, the allegedly infringing material, and your contact information.
3.14 Governing Law; Venue
These Terms are governed by the laws of the State of Florida, without regard to conflicts of laws principles. Exclusive venue lies in state or federal courts located in Florida, and you consent to their jurisdiction.
3.15 Dispute Resolution (Optional Arbitration Provision)
At SUNZ’s option, disputes may be resolved through binding individual arbitration under the rules of a recognized arbitration provider. If you prefer court resolution, remove or modify this clause with legal counsel.
3.16 Termination
We may terminate or suspend access to the Site at any time, with or without notice, for any reason including violation of these Terms.
3.17 Entire Agreement
These Terms, together with any supplemental terms posted on the Site, constitute the entire agreement regarding your use of the Site.
3.18 Contact
SUNZ Insurance Company – Legal & Compliance | Email: security@asic.hcpdeveloper.com