ZZTEST Loebach

Privacy Policy

Effective Date: September 2, 2026  ·  Last Updated: September 2, 2026

This Privacy Policy explains how ZZTEST Loebach (“we,” “us,” or “our”) collects, uses, protects, and shares information about people who visit this website, fill out a form on it, book an appointment with us, or otherwise contact us.

By using this website or giving us your information, you agree to the practices described here. If you do not agree, please do not use this website or submit your information to us.

1. Information We Collect

We collect information you give us directly, and a limited amount of technical information that is collected automatically when you visit this website.

Information You Give Us

• Contact information — your name, email address, mobile or telephone number, and mailing address.
• Form submissions — anything you type into a form, survey, quiz, calculator, or request on this website.
• Appointment information — the date, time, and details you provide when you book a call or meeting with us.
• Messages you send us — by email, by text message, through a chat or messaging feature on this website, or on a phone call with us.
• Information about what you are looking for — such as your retirement timeline, financial goals, age range, or the type of help you are seeking.
• Your communication preferences — including whether you have consented to receive text messages from us.

Information Collected Automatically

• IP address, browser type, device type, and operating system.
• Pages you viewed, how long you stayed, the date and time of your visit, and the website or advertisement that referred you.
• Information collected by cookies and similar technologies, described in Section 6.

What We Do Not Collect On This Website

We do not ask for or collect Social Security numbers, account numbers, or financial account credentials through this website. Please never send that kind of information to us by unencrypted email or text message.

2. How We Use Your Information

We use the information we collect to:

• Respond to your question, request, or inquiry.
• Contact you by phone, email, or text message about information you asked us for.
• Schedule, confirm, remind you about, reschedule, or follow up on appointments.
• Provide the services you have asked us about or engaged us for.
• Send you educational and informational material related to the topic you contacted us about, where you have agreed to receive it.
• Measure how our website and advertising perform, and improve both.
• Maintain our internal business records.
• Comply with applicable laws, regulations, and recordkeeping obligations.

3. SMS Terms And Text Messaging Policy

How You Opt In

We only send text messages to people who have given us express written consent to receive them. You may give that consent by checking the consent box on a form on this website, by giving us your mobile number through a chat or messaging feature on this website, or by otherwise giving us written permission to text you. We never buy, rent, or import phone numbers from any third-party list.

The consent language shown at the point of opt-in reads:

By checking this box, you authorize ZZTEST Loebach to text/call the number above for informational/transactional messages, possibly using automated means. Msg/data rates apply, msg frequency varies. Consent is not a condition of purchase. See terms and privacy policy. Text HELP for help and STOP to unsubscribe.

What Kind Of Messages You Will Receive

We send informational and transactional messages. These include replies to your inquiry, appointment scheduling and reminders, confirmations, requests for a document or form, and follow-up about the services you asked about.

Message Frequency, Rates And Consent

• Message frequency varies depending on your conversation with us.
• Message and data rates may apply. These are charged by your mobile carrier and are your responsibility.
• Consent is not a condition of purchase or of receiving any service from us.
• Mobile carriers are not liable for delayed or undelivered messages.

How To Stop Messages Or Get Help

You can stop receiving text messages from us at any time by replying STOP to any message. We will send one confirmation message and will not text you again unless you opt back in. For help, reply HELP to any message, or contact us using the details at the bottom of this page.

4. How We Share Your Information

We do not sell your personal information and we do not share it for anyone else’s marketing purposes. We share it only in the limited situations below.

• Service providers who work on our behalf. We use vendors for website hosting, customer relationship management, form and appointment scheduling, email delivery, text message delivery, phone service, and website analytics. They may only use your information to do that work for us and are not permitted to use it for their own purposes.
• Product and service providers. If you decide to move forward with a product or service, we share the information needed to process your application or request with the applicable insurance carrier, custodian, or financial institution.
• Legal and regulatory requirements. We may disclose information where required by law, subpoena, court order, or regulatory examination, or where necessary to protect our legal rights or someone’s safety.
• Business transfers. If our business is merged, acquired, or reorganized, information may transfer as part of that transaction and remains subject to this policy.

In every situation above, text messaging originator opt-in data and consent are excluded and are never shared with any third party.

5. No Sale Of Personal Information

We do not sell, rent, trade, or lease your personal information to anyone. We do not share your personal information with third parties or affiliates for their own marketing or promotional purposes.

6. Cookies, Pixels And Website Analytics

This website uses cookies and similar technologies, including tracking pixels placed by advertising and analytics platforms. They keep the site working properly, remember what you entered so you do not have to type it twice, measure how visitors use the site, and measure how our advertising performs.

Most browsers let you refuse or delete cookies in your browser settings, and most devices offer an advertising opt-out setting. Turning cookies off may affect how parts of this website function.

We do not respond to browser “Do Not Track” signals, because no common standard for them has been adopted.

7. How Long We Keep Your Information

We keep your information for as long as we need it to serve you, to run our business, and to meet our legal, regulatory, and recordkeeping obligations. When we no longer need it for those purposes, we securely dispose of it. If you ask us to stop contacting you, we keep the minimum record needed to honor that request.

8. How We Protect Your Information

We maintain reasonable administrative, technical, and physical safeguards designed to protect the information we hold against loss, misuse, and unauthorized access or disclosure. No method of transmitting or storing information is completely secure, so we cannot guarantee absolute security.

9. Your Choices And Rights

• Text messages. Reply STOP to any message and we will stop texting you.
• Email. Use the unsubscribe link at the bottom of any marketing email, or contact us directly.
• Phone calls. Tell us on any call, or contact us, and we will add you to our internal do-not-call list.
• Access, correction and deletion. You may ask what personal information we hold about you, ask us to correct it, or ask us to delete it. We honor those requests to the extent the law allows, keeping in mind that we are required to retain certain records.

To make any of these requests, contact us using the information at the bottom of this page.

10. State Privacy Rights

Depending on where you live, state law may give you the right to know what personal information we have collected about you, where we got it, why we collected it, and who we shared it with. You may also have the right to ask us to correct or delete that information, and the right not to be treated differently for exercising those rights.

We do not sell or share personal information as those terms are defined under state privacy laws, including California law. To make a request, contact us using the details below. We may need to verify your identity before we respond, and you may designate an authorized agent to make a request for you.

11. Children’s Privacy

This website and our services are intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe a child has given us information, contact us and we will delete it.

12. Links To Other Websites

This website may link to websites we do not operate. We are not responsible for the privacy practices or the content of those websites, and this policy does not apply to them. Please read the privacy policy of any website you visit.

13. Changes To This Policy

We may update this Privacy Policy from time to time. When we do, we will change the “Last Updated” date at the top of this page and post the revised policy here. Your continued use of this website after an update means you accept the revised policy.

14. How To Contact Us

If you have a question about this Privacy Policy, or you want to make a request about your information, contact us: