Branco Insurance Group Privacy Policy

We are the Branco Insurance Group located at

577 Church ST,
Naugatuck, CT 06770

Our website address is: https://brancoinsurancegroup.com/.

This Policy applies to Personal Information collected and used when you visit our website, www.brancoinsurancegroup.com (the “Website”), and from your interaction with any other Branco Insurance Group product or offering, such as by requesting an insurance quote or purchasing an insurance policy (collectively referred to as the “Services”). We treat any data that identifies you, or reasonably can be linked to you, as “Personal Information.” Data that has been de-identified or aggregated so that it cannot reasonably be linked to you is not Personal Information, and we may use that data for any purpose.  This Policy does not apply to information collected by a third party, including through any application or content that may link to, or be accessible from, the website.

By accessing or using our Website or Services, you agree to this Policy and Branco Insurance Group’s Terms of Use. This Policy may change from time to time. If you do not agree with this Policy, then you should not use our Website or Services. Your continued use of our Website or Services after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates.

We collect several types of Personal Information to provide you with our Website and Services, including:

Contact Information, such as name, postal address, email address, and telephone number;

Personal Identifiers, such as social security number, driver’s license or state identification number, insurance policy number, date of birth, employment history or medical information when you apply for Services;

Financial information, such as your bank account number, credit card number, basic mortgage or leasing details, or other financial information when you purchase Services;

Audio information, such as call recordings of your phone interactions with us that are for training purposes;

Professional, Employment-related or Educational Information, which is collected to provide our Services;

Commercial information, such as information relating to the Services you purchased and your purchasing habits, histories, or tendencies;

Internet or Similar Network Activity, such as information about your internet connection, location, the equipment you use to access our website and usage details;

Location Information, which is collected when you access our website; and

Inference-Based information, which is collected based on the above information to create a profile about your preferences and characteristics in order to offer or provide you with our Services.

From You: We obtain most of the Personal Information that we collect about you from you when you interact with our Website or Services, including when you:  (1) contact and communicate with us, including by providing information over the phone, or filling in forms on our website; (2) request an insurance quote or request information about an insurance policy; (3) respond to surveys that we might ask you to complete for research and quality control purposes; or (4) navigate through the site (e.g. usage details, IP addresses and information collected through cookies and other tracking technologies).

From Public Data Sources: We may obtain information from public data sources regarding your home, your autos, your mortgage, and/or your insurance portfolio.

From Service Providers: Third-party service providers may supply us with the information needed for core aspects of our Services, which allows us to provide a better service experience to our clients. These third-party service providers include insurance underwriters, data processors and aggregators, and public record databases.

From Carrier Partners: Our carrier partners and other insurance providers may supply us with information in connection with our provision of Services.

We use Personal Information to:

Provide our Services: We use Personal Information to (1) present our website and its contents to you, (2) provide you with information, including insurance quotes and recommendations; (3) provide you with insurance-related products or services that you request from us; or (4) to bind an insurance policy at your request.

Communicate with You:  We use Personal Information to respond to communications, contact you about your transactions, promote our Services, provide other relevant information, and request information or feedback. We may also use your information to contact you about additional insurance products that may be of interest to you. If you do not want us to use your information in this way, please contact us.

Personalize Your Experience: We utilize Personal Information regarding your use of our Website and Services to personalize and enhance your experiences.

Enable Security or Fraud Prevention: We use Personal Information to: (1) prevent, detect, protect against, or respond to security incidents, and (2) preserve the integrity or security of our systems.

Conduct Internal Research: We use Personal Information to conduct internal research to develop, improve or repair our products, services, or technology.

Maintain Legal Compliance: We may use Personal Information to comply with applicable law or to comply with a lawful government request.

We may share Personal Information with service providers who act on our behalf, our carrier partners, or others operating at your direction or where legally necessary or appropriate.  We do not share Personal Information with third parties for their own marketing purposes.

Subsidiaries and Legal Affiliates: We share information with our subsidiaries and legal affiliates.

Service Providers: We engage third parties to act as our service providers and perform certain tasks on our behalf in connection with delivering you our products and services.  The tasks performed by service providers include: (1) processing and storing Personal Information, (2) assisting with marketing communications and advertising, (3) processing credit card or other financial charges, and (4) providing technology services. We may provide service providers with all types of Personal Information described above. We take reasonable steps to ensure that our service providers are contractually obligated to keep Personal Information confidential and only utilize the Personal Information as permitted.

Partners: We may partner with third parties to provide services and other offerings.  For example, we may share the types of Personal Information described above with our insurance carrier partners and other insurance providers for the provision of Services. Upon your request, we may also share your information with our other service partners to provide products or services of interest to you. We take reasonable steps to ensure that the entities to whom we share your Personal Information keep the information confidential and only use it as permitted.

Other Legal Purposes: We also may share Personal Information: (1) with your consent, (2) to respond to subpoenas, court orders, or other legal process or otherwise as required or allowed by law or the competent governmental or judicial authorities; (3) to cooperate with law enforcement, government or regulatory entities, and safety or investigation authorities; (4) to establish or preserve a legal claim or defense; (5) if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Branco Insurance Group, our clients, our employees, our franchise partners, or others; or (6) as part of a corporate restructuring, sale of assets, merger or divestiture.

We have not sold and will not sell any Personal Information to non-affiliated third parties without your consent.  We also have not and will not sell the Personal Information of minors under 16 years of age to non-affiliated third parties without affirmative consent.

This Policy also applies to current, and prospective Branco Insurance Group employees and franchise partners, including in respect of any Personal Information shared to apply for a career at Branco Insurance Group or to purchase a Branco Insurance Group franchise. We may use the Personal Information that we collect about you or that you provide to us to process applications for employment or to own a franchise and may also collect commercial and professional or employment-related information, including education information, for employment and franchising purposes and to support the insurance licensing process for our franchise partners. We may also disclose your information for a business purpose if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Branco Insurance Group, our clients, our employees, our franchise partners, or others. For example, we may exchange such information with other companies and organizations for the business purposes of fraud protection and credit risk reduction.

We retain your information for as long as necessary to provide you and other clients with our Services and to comply with applicable state and federal laws.

We have implemented reasonable and appropriate measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on secure servers behind firewalls. This information is encrypted at rest using SSL technology.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our website, you are responsible for keeping this password confidential. We ask that you not share your password with anyone.

Unfortunately, the transmission of information via the internet is never completely secure.  Although we do our best to protect your personal information, we cannot guarantee the security of your information, including against unauthorized intrusions or acts by third parties. Any transmission of personal information by you over the internet is at your own risk.

We retain your information for as long as necessary to provide you and other clients with our Services and to comply with applicable state and federal laws.

We have implemented reasonable and appropriate measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on secure servers behind firewalls. This information is encrypted at rest using SSL technology.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our website, you are responsible for keeping this password confidential. We ask that you not share your password with anyone.

Unfortunately, the transmission of information via the internet is never completely secure.  Although we do our best to protect your personal information, we cannot guarantee the security of your information, including against unauthorized intrusions or acts by third parties. Any transmission of personal information by you over the internet is at your own risk.

All Users

Email subscriptions. You can always unsubscribe from our commercial or promotional emails by clicking unsubscribe in those messages. We will still send you messages about your insurance and business transactions with Branco Insurance Group.

Text Messages. You can opt-out of receiving text messages by following the opt-out instructions sent to the mobile device receiving the text messages or by emailing us your opt-out request at [email protected]. Please note that opting out of receiving text messages may negatively impact your use of Branco Insurance Group’s services as you will no longer receive any text messages from Branco Insurance Group.

The California Consumer Privacy Act (“CCPA”) provides California residents with the additional rights described below.

Right to know. You have the right to know and see what data we have collected about you over the past 12 months, including:

The categories of personal information we have collected about you;

The categories of sources from which the personal information is collected;

The business or commercial purpose for collecting your personal information;

The categories of third parties with whom we have shared your personal information; and

The specific pieces of personal information we have collected about you.

Right to delete. You have the right to request that we delete the personal information we have collected from you (and direct our service providers to do the same).  There are a number of exceptions, however, that include, but are not limited to, when the information is necessary for us or a third party to do any of the following:

Complete your transaction;

Provide you with a good or service;

Perform a contract between us and you;

Protect your security and prosecute those responsible for breaching it;

Fix or debug our system;

Comply with state and federal laws including, but not limited to, the California Insurance Code;

Comply with a legal obligation; or

Make other internal or lawful uses of the information that are compatible with the context in which you provided it.

No discrimination. Branco Insurance Group will not discriminate against you for exercising any of your CCPA rights.

Exercising your California Privacy Rights. To submit a data privacy request and request access to or deletion of your personal information, or to exercise any other data rights under California law, please contact us using one of the following methods:

Email: you may write us at [email protected] to exercise your privacy rights.  Please include your full name, email address, and phone number associated with your insurance policy, along with why you are writing, so that we may verify and process your request in an efficient manner.

Phone: you may leave a voicemail by calling (203) 723-8500 to exercise your privacy rights.  Please leave your full name and phone number associated with your insurance policy, along with why you are calling, so that we may verify and process your request in an efficient manner.

Mail: you may send us a letter to exercise your privacy rights (see contact us section below).   Please include your full name, phone number, and the details of your request so that we may verify and process your request in an efficient manner.

Verification. The CCPA requires us to verify the identity of any consumer that exercises his or her right to know or right to delete (described above).  In order to verify the identity of a consumer, we must have enough information internally about that consumer.  If you submit a data privacy request using one of the methods described above, then we will call you to verify your identity by confirming certain personal information that we have in our database about you.  If we are unable to verify your identity, then your data privacy request will be denied.

Response timing and format. We strive to respond to all verifiable consumer requests within forty-five (45) days of receipt.   If we require more time, then we will inform you of the reason and extended response time in writing.  We will deliver our written response by email.   If you do not have an email address on file with us, then we will deliver our written response to you by mail.

Cost. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded.  If we determine that your request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

California Privacy Disclosure. Branco Insurance Group does not track its customers over time and across third-party websites to provide targeted advertising and therefore does not respond to Do Not Track (DNT) signals. However, some third-party sites keep track of your browsing activities when they serve you content, enabling them to tailor what they present to you.