Youtube Facebook
  • 832-557-2555
  • team@zaafinancial.com
Contact
Contact

Privacy Policy and Terms of Use

Effective Date: July 12, 2025

This is a legal agreement between you (“You”) and Gilbert Adu-Sefah, doing business as ZAA Financial (“ZAA Financial,” “we,” “us,” or “our”). These Terms of Use and our Privacy Policy (collectively, the “Agreement”) govern your use of our website at https://www.zaafinancial.com (the “Site”).

By using the Site, you agree to the following terms and conditions. If you do not agree, please discontinue use immediately.

Terms of Use

1. Informational Use Only

All content on this Site is for educational and informational purposes only. It is not legal, tax, investment, or insurance advice. You should consult a qualified professional to understand how any information may apply to your personal situation.
Life insurance policies, including Indexed Universal Life (IUL) and whole life insurance, are not investments and should not be purchased as such.

No Guarantees
We make no guarantees about the completeness, accuracy, or reliability of any content. You assume full responsibility for decisions based on information found on this Site.

2. Affliate Disclosure

Some links on this Site are affiliate referral links, including but not limited to Amazon.com. If you click through and make a purchase, ZAA Financial may earn a small commission at no additional cost to you. This helps us maintain the site and continue creating helpful content.
As an Amazon Associate, we earn from qualifying purchases.

3. Copyright & Intellectual Property

All materials on this Site — including text, videos, images, and graphics — are the intellectual property of ZAA Financial and protected under U.S. copyright laws. You may view or print a single copy of content for personal, non-commercial use only.
You may not reproduce, distribute, modify, or display content without our written permission.

4. Trademarks

All logos, names, and slogans are either owned by or licensed to ZAA Financial. Any use without permission is strictly prohibited. References to third-party trademarks are for informational purposes only and do not imply endorsement.

5. User Contributions

User Contributions
You may leave comments or reviews on the Site. By doing so, you grant ZAA Financial an irrevocable, royalty-free, perpetual right to use, display, or remove your submission at our discretion. Inappropriate, abusive, or spam content may be deleted without notice.

6. Disclaimers and Limitation of Liability

Disclaimers and Limitation of Liability
This Site is provided “as is” and “as available”, without warranties of any kind. We do not guarantee that the Site will be free from errors, interruptions, or viruses.
ZAA Financial shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site.

7. External Links

External Links
This Site may contain links to third-party websites. These are provided for convenience only. We are not responsible for the content, policies, or practices of those websites. Visiting them is at your own risk.

8. Governing Law and Dispute Resolution

This Agreement is governed by the laws of the State of Texas, without regard to conflict of laws principles.
To the fullest extent permitted by law, any dispute arising from your use of this Site shall be resolved by binding arbitration, not in court. You waive your right to participate in class actions or jury trials.

Privacy Policy

1. Information We Collect

Information We Collect
We collect the following information when you use our Site or submit forms:

  • Contact Information: Name, email, and phone number.

  • Website Usage Data: Via cookies, Google Analytics, Facebook Pixel, and similar tools.

  • Comments or Reviews: Any data you post voluntarily.
    We do not collect Social Security Numbers or banking information directly through our website.

2. How We Use Your Information

We use your information to:

  • Respond to inquiries

  • Provide relevant resources and updates

  • Send newsletters or marketing emails (if you opt in)

  • Analyze Site usage and improve our services

  • Show you relevant ads across the web

3. Sharing of Information

We may share your information with:

  • Trusted service providers (e.g., email platforms or analytics tools)

  • Third-party advertisers (in anonymized form)

  • Affiliate partners for tracking purposes (e.g., Amazon)
    We never sell your personal data.

4. Cookies and Tracking

We use cookies, pixels, and similar tracking tools to:

  • Measure site traffic (Google Analytics)

  • Show personalized ads (Google Ads, Facebook Pixel)
    You can disable cookies in your browser or use private mode for increased privacy.
    To opt out of third-party ad tracking, visit: http://www.networkadvertising.org/choices/

  • Use Facebook’s Automatic Advanced Matching to securely match visitor information (such as email or phone number) submitted through our forms with Facebook profiles. This helps improve ad targeting and conversion tracking.

5. Email and Text Communications

By submitting your information, you consent to receive communications from us via email or phone, including text messages, even if your number is on a do-not-call list. You may opt out at any time by emailing team@zaafinancial.com.

6. Data Security

We implement industry-standard measures to protect your data, including secure servers and access controls. However, no system is completely secure, and you use the Site at your own risk.

7. Access or Update Your Information

To view, update, or delete your data, contact us at:
team@zaafinancial.com

8. Changes to This Policy

We may update these terms from time to time. The most recent version will always be posted on this page. Your continued use of the Site means you accept any updates.

9. Contact

For questions or concerns about this Agreement or your data, please contact:
Gilbert Adu-Sefah
gilbert@zaafinancial.com
https://www.zaafinancial.com

ZAA Financial is your trusted partner for maximizing cash flow and retirement planning through cash value life insurance and annuities. With a commitment to education, transparency, and integrity, we provide personalized solutions for your financial needs.

Youtube Facebook

Products

Strategies

Company

© Copyright ZAA Financial 2025

Life insurance policies are not investments and, accordingly, should not be purchased as an investment. In addition, by using this website, I confirm that I understand and agree to the applicable Privacy Policy and Terms of Service. I understand that by calling the phone number above I will reach a licensed sales agent. Zaafinancial.com is a free information source designed to help find insurance coverage. We compile our data from multiple sources, which includes the government, non-profit and private sources. The rates and information displayed are for informational purposes only and should not be construed as advice, consult, or recommendation. For specific plan details and further information, contact carriers directly. Gilbert Adu-Sefah  is domiciled in Texas. See the jurisdictions in which Gilbert Adu-Sefah and our other agents are licensed, admitted or otherwise authorized to market insurance products to consumers. This website is provided by Gilbert Adu-Sefah and ZAA Financial, in order to educate and inform the general public of the services we offer only. By completing a questionnaire or requesting information from zaaafinancial.com, you consent and expect to be contacted by a licensed insurance agent via phone, email, text or direct mail. Zaafinancial.com will not sell your information to a third party. Any health or personal information shared is protected by applicable HIPAA privacy laws and regulations. Zaafinancial.com affiliated agents are independent and appointed in multiple states. Invitations for application for life insurance on zaafinancial.com are made through its designated agent, Gilbert Adu-Sefah, only where he is respectively licensed and appointed.
The following agent license numbers of Gilbert Adu-Sefah are provided as required by state law: TX agent #2895546, GA agent #3701427. Additional licenses of Gilbert Adu-Sefah are available upon request. No portion of zaaafinancial.com may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner. If a Zaafinancial.com visitor requests a quote, Zaafinancial.com may enlist the help of other independent agents to help its customers find the best values. Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states. Rates and time taken to qualify and purchase a life insurance policy vary by product and underwriting requirements.

 

The Infinite Banking Concept® is a registered trademark of Infinite Banking Concepts, LLC. ZAA Financial is independent of and is not sponsored by, endorsed by, or affiliated with Infinite Banking Concepts, LLC.