Effective date: July 6, 2026
This Privacy Policy describes how EXL Investments LLC, doing business as 1099 Health Guy ("we," "us," or "our"), collects, uses, and protects your information when you visit 1099healthguy.com or submit information through our forms.
When you submit a quote request or contact form, we collect the information you provide, which may include your name, phone number, email address, state of residence, ZIP code, date of birth, household size, approximate income range, current coverage status, and any details you choose to share about your insurance needs. We also collect standard technical information such as IP address, browser type, and the pages you visit, including through cookies and similar technologies.
By checking the consent box on our forms, you agree to receive calls, text messages, and emails from 1099 Health Guy / EXL Investments LLC and Zachary Cross, Licensed Insurance Agent, regarding insurance options, including messages sent using automated technology. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. You can opt out of text messages at any time by replying STOP, and get help by replying HELP. We retain records of your consent, including timestamp, IP address, and the form used.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be sold, rented, or shared with any third party.
We share your information only as needed to serve you: with insurance carriers and their underwriting entities when you ask us to obtain quotes or submit an application on your behalf; with service providers that operate our website, scheduling, and communications systems under confidentiality obligations; and where required by law, regulation, or a valid legal process. We do not sell your personal information.
We retain records for as long as needed to serve you and to meet insurance record-keeping and legal requirements. We use commercially reasonable safeguards to protect your information; no method of transmission or storage is completely secure.
You may opt out of text messages by replying STOP, unsubscribe from emails using the link in any message, or contact us at any time to review, update, or request deletion of your information, subject to records we are required to keep by law.
Our website and services are directed to adults. We do not knowingly collect information from anyone under 18.
We may update this policy from time to time. The effective date above reflects the latest revision. Material changes will be posted on this page.
EXL Investments LLC dba 1099 Health Guy
500 S Australian Ave STE 600 PMB 1165, West Palm Beach, FL 33401
[email protected] · (561) 566-5902