Privacy Policy

1Who We Are

AZHealthBrokers.com is an educational website and lead generation service operated by GYOLeads LLC. We connect Arizona residents with licensed, independent health insurance brokers and agents.

We are not a licensed insurance company, insurance agent, or insurance broker. We do not sell, underwrite, or bind insurance coverage. We do not provide insurance advice. Information provided on this Site is for general educational purposes only.

This Site is owned and operated by:

2Information We Collect

2.1 Information You Provide Directly

When you submit a form on this Site, we may collect:

• Full name
• Email address
• Phone number
• Mailing address or ZIP code
• Date of birth
• Household size and income information
• Gender
• Tobacco use status
• Health conditions, medications, or medical history (where provided voluntarily)
• Insurance coverage preferences

2.2 Information Collected Automatically

When you visit this Site, we and our service providers may automatically collect your IP address, browser type and version, operating system, pages visited, time on page, referring URL, and device type. This information is collected via cookies and similar tracking technologies. See Section 8 for details.

2.3 Information From Third Parties

We may receive information about you from third-party sources such as data providers or analytics platforms, which we may combine with information you have provided directly.

3How We Use Your Information

We use the information we collect for the following purposes:

• To match you with licensed Arizona health insurance brokers or agents who can assist with your coverage needs
• To prepare or facilitate preparation of health insurance quotes
• To communicate with you about your inquiry, including by phone, email, or text message (subject to your consent)
• To operate, maintain, and improve this Site and our services
• To comply with applicable laws and regulations
• To detect and prevent fraud or abuse
• To analyze usage and improve user experience

We do not use your information to make automated decisions that produce legal or similarly significant effects without human review. We do not build behavioral profiles on individual users or use your information for advertising targeting.

4How We Share Your Information

4.1 With Licensed Arizona Brokers and Agents

Our primary purpose is to connect you with licensed Arizona health insurance brokers. When you submit a form on this Site, your information — including any health-related information you provide — will be transmitted to one or more licensed brokers or agents who will use it to contact you and prepare a quote.

By submitting a form on this Site, you consent to this sharing. Brokers who receive your information are independently responsible for their own privacy and data handling practices.

4.2 With Service Providers

We share information with vendors who help us operate this Site and our business, including form and CRM providers (HubSpot), web hosting and infrastructure providers (Cloudflare), analytics providers, AI and chat technology providers (Anthropic), and email and SMS communication platforms. These vendors are contractually required to use your information only as directed by us and to maintain appropriate security standards.

4.3 Other Disclosures

We may also disclose your information to comply with a legal obligation, court order, or government request; to protect the rights, property, or safety of GYOLeads LLC, our users, or the public; in connection with a merger, acquisition, or sale of our business; or with your consent for any other purpose.

5Health-Related Information

This Site allows you to voluntarily provide health-related information (such as medical conditions, medications, or tobacco use) to help brokers prepare more accurate quotes. We treat this information with heightened care:

• It is collected only with your explicit consent at the point of submission
• It is shared only with licensed Arizona brokers for the purpose of preparing your quote
• It is not sold to data brokers or used for advertising purposes
• It is stored using industry-standard security measures

You are never required to provide health-related information to use this Site. If you prefer not to share this information online, you may contact a broker directly.

6Consent to Be Contacted (TCPA)

By submitting a form on this Site, you expressly consent to be contacted by GYOLeads LLC and/or licensed Arizona insurance brokers and agents at the phone number and email address you provide, including by:

• Telephone calls (including prerecorded or artificial voice messages)
• Text/SMS messages (including automated messages)
• Email

This consent is not a condition of purchasing any product or service. Standard message and data rates may apply to text messages. You may opt out at any time by replying STOP to any text message, clicking unsubscribe in any email, or contacting us at privacy@gyoleads.com.

7State-Specific Privacy Rights

Arizona Residents

Arizona law requires us to notify you in the event of a breach of your personal information. If a breach occurs that affects your data, we will notify you in accordance with Arizona Revised Statutes § 18-551 et seq.

California Residents (CCPA / CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), including the right to know, right to delete, right to correct, and right to opt out of the sale of your personal information. We do not sell personal information. To submit a CCPA request, contact us at privacy@gyoleads.com. We will respond within 45 days.

All Users — General Rights

Regardless of where you live, you may contact us to request access to, correction of, or deletion of your personal information. We will respond within 30 days and will not discriminate against you for exercising your privacy rights.

8Cookies & Tracking Technologies

This Site uses cookies and similar technologies to remember your preferences, analyze traffic and usage patterns, and enable certain Site functionality. Vendors such as HubSpot and Cloudflare may set cookies in connection with form submission and site security.

Most browsers allow you to control cookies through their settings. Disabling cookies may affect the functionality of this Site. We do not use cookies to serve behavioral advertising to users of this Site.

9Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including to comply with legal obligations, resolve disputes, and enforce our agreements. Lead data is generally retained for up to 24 months unless you request deletion earlier.

Health-related information is retained only as long as necessary to complete the broker referral process, after which it is deleted or de-identified. AI advisor session data and rate check tool inputs are not retained beyond the active browser session.

You may request deletion of your information at any time by contacting us at privacy@gyoleads.com.

10Data Security

We implement commercially reasonable administrative, technical, and physical security measures to protect your personal information. These include encrypted data transmission (HTTPS enforced via Cloudflare), access controls limiting who can view submitted form data, and contractual security requirements for our vendors including HubSpot and Anthropic.

No method of transmission or storage is 100% secure. In the event of a data breach affecting your information, we will notify you as required by applicable law.

11Children's Privacy

This Site is not directed to children under the age of 18. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected information from a child under 18, we will delete it promptly. If you believe we have collected such information, contact us immediately at privacy@gyoleads.com.

12Third-Party Links

This Site may contain links to third-party websites, including HealthCare.gov, Medicare.gov, and state agency sites. This Privacy Policy does not apply to those sites. We encourage you to review the privacy policies of any third-party sites you visit.

13Artificial Intelligence Tools

This Site includes an AI-powered chat assistant (powered by Anthropic Claude via a Cloudflare Worker proxy) to help answer general questions about health insurance options in Arizona. Conversations with this assistant are processed through Anthropic's API. We do not store AI advisor conversation transcripts in our systems beyond the active session.

If you choose to share your contact information with a broker through the AI advisor interface, that information is treated the same as a broker request form submission under this policy.

14Changes to This Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page reflects when the Policy was last updated. We will post any changes on this page and, for material changes, may provide additional notice such as a banner on this Site.

Your continued use of this Site after any changes constitutes your acceptance of the updated Policy.

15Contact Us

For questions, requests, or complaints regarding this Privacy Policy or our data practices, contact us at: