Privacy Policies

Who we are

El Bronco is incorporated in the state of Tennesse and provides customers with a wide variety insurance products as described on the website (collectively, the “Services”).  Our website address is: https://elbronco.com.

El Bronco reserves the right to amend the Privacy Policy at any time with or without notice. Please check back frequently in the event of changes.

Your use of this website constitutes your agreement to this Privacy Policy.

Please also see Our Terms of Use on this website for terms of carriage, limitations of liability, and disclaimers of warranty and general terms applicable to all services and various information used and provided through the El Bronco website.

Summary

The information collected through this site helps us identify the type of web site content our customers value most. We use this information to market and improve the web site and our services. We also use this information to send you email notifications about updates to the web site, and to contact you by other means for marketing and other purposes. Our policy is to not give, sell or otherwise distribute the information collected through this site to third parties outside of El Bronco (unless required by law); provided, however, in some cases we may use suppliers to assist us in collecting, using or otherwise processing for our benefit the information obtained through this site.  We do not store any personally identifiable information on the website beyond a user profile and form data. 

Who we share your data with

We do not share your data except as needed to fulfill requests from you for Services or requests for information.

What non-personal data we collect and why we collect it

Analytics and third party data and where does it go

Throughout our site We employ 1 or more tracking scripts such as Google Analytics and Facebook Pixel and a lead generation tool.  These tools do not provide us direct personal information beyond your IP address, which might indicate the company that you work for if it is assigned specific IP addresses for internet access.  These tools also store certain details about your device and certain settings such as operating system being used, type of device being used, and the browser being used.

However, if you are using services related to Google or Facebook, Google and/or Facebook may know who you are and or demographic information about you.  The information provided to us from these services aggregate the data if we have enough visitors that the services can identify.  From that data it is possible to know demographic information for typical visits to a page such age, income range, likes on Facebook, etc.  The Analytics profile information allows us to see how a typical visitor might progress through our site. However, we never know exactly who is visiting unless they let us know by filling out a form interacting with messenger.  Subsequent visits might be identifiable depending on how many folks use the same IP address or whether the person logs in to our website.

Google and Facebook store their Analytics and Facebook Pixel data on their servers.  Clicky (an analytics platform we are testing) stores data on it server. 

As part of standard server practice, this type of data is also stored in server logs for the purpose of managing, operating and securing the server.

What personal data we collect and why we collect it

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Contact forms

In addition to the obvious data on contact forms, we collect time of visit and IP address, and the page visited.  We use this data only for the purpose of providing you Services as listed on the site and on the Terms page.  This data is kept indefinitely.

Cookies

What is a cookie?

A cookie is a series of data characters that, when programmed into a web site, is placed by the web server into the browser’s application folder on your computer. Once placed onto your machine, the cookie will allow the web site to “recognize” you as a unique individual.  Cookies reside on Your device and you can generally remove them following your browser’s instructions.  They do not contain personally identifiable information.

Does El Bronco use cookies?

We use cookies to achieve two goals. The first is to provide El Bronco with the capability to personalize information for certain segments of its customer base and to improve the quality of our website. Secondly, in some instances, cookies are used to allow El Bronco the opportunity to associate individual customers with their information profiles. For example, through the use of cookies, the website can “remember” your user ID when you login to El Bronco at this website on your computer.

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

The analytics programs my also install a program for the purposes described in the section above on Non-Personal data.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

What happens when I leave this website to visit a El Bronco linked web site?

Parts of this website consist of products and services hosted by third-party businesses. When you leave our site to visit one of these sites, the only information transferred to the third-party is the fact that you came from this website (the referring address). This practice allows the third-party to monitor its own web site traffic, but does not provide them with any information about you. El Bronco is not responsible or liable for the independent privacy policies of any third-party sites. You should consult the privacy policies at those sites to determine how your information may be used.

How long we retain your data

If you leave a comment or complete a form, the comment, form data, and the related metadata are retained indefinitely. This policy allows us to recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.  The storage of the form data allows us to track our effectiveness at serving you.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their own personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.  Third party services are described above.  Otherwise, data is retained in our posession

Contact information

Our Contact us sections have our full contact information.  We only acquire your contact information if you provide it to us for the purpose of making a comment or requesting information or Services. 

Email

We do not sell or rent e-mail addresses to other organizations or companies. We may generate e-mail for the following types of communication:

1. Uses that will allow you to opt in or opt out. (You will not be subscribed without your permission)
2. Notification e-mail to which the individual may subscribe and unsubscribe.
3. Commercial e-mail, which is sent to promote a product or service (You may opt not to receive this type of email).
4. Relationship e-mail, which is sent as an informational service because of a relationship with Us.
5. Uses that do not use a formal opt in or opt procedure
6. Correspondence from Our staff as a result of a communication initiated by a customer.
7. Transactional e-mail, which is the result of a business transaction initiated with Us or that is ongoing, such as invoicing and project discussions.
8. Notification emails to communicate technical issues such as server maintenance.

E-mail that has a provision for opt-out will include instructions on how to do so. Use our Contact page for inquiries regarding email and subscriptions. 

Additional information

How we protect your data

In order to protect our login information we use a password reminder tool that stores all passwords in encrypted files on their servers.  Therefore, we do not have any passwords stored on our local devices or any of virtual or physical servers. 

The only personally identifiable information we store in our system is user profiles and you have control over what information is stored there.

All interactions with our website and all data on our server resides behind a firewall and uses SSL (Secure Sockets Layer, the industry-standard security protocol used to communicate with browsers) to transmit personal information. Data is strongly encrypted during transmission to ensure that personal and payment information is secure. SSL-capable browsers typically have a symbol on the browser window to indicate when they are in a secure mode. In addition, the URL will begin with “https:” for all browsers.

What data breach procedures we have in place

We do not store personally identifiable information on our physical or virtual servers beyond that which you provide in forms or your user profile, which severely limits our liabilities. If we discover a breach of our data we will notify you as soon we reasonably can via email and will take reasonable measures to secure the server.

What automated decision making and/or profiling we do with user data

See the section at the beginning on non-personal data collected and our filtering of spam comments.

Industry regulatory disclosure requirements

We do not do business in the EU and we do not have particular data storage requirements. We do not collect credit card information on this site.

Additional resources on information privacy

The Electronic Privacy Information Center https://epic.org/  focuses public attention on emerging civil liberties issues relating to the National Information Infrastructure. EPIC Alert is the online newsletter of the Electronic Privacy Information Center in Washington, DC. The newsletter is bi-weekly and covers issues related to privacy and civil liberties in the information age.

Terms for Visitors to the Website and Online Services

Who is covered by these Terms and Conditions:

Your use of this site or the Services indicates Your acceptance of these terms and conditions.

Copyright All Content included on this site, including without limitation, text, graphics, logos, trademarks, trade names, button icons, images, pre-designed templates, sounds, software, processing and other functionality, and all other material placed by Us (collectively called the “Content”), and the collection, arrangement and assembly of the Content, is the property of or licensed by Us and is protected by U.S. and international copyright laws. The Content on all pages of this El Bronco website is provided solely for the use of Our customers to interact with Our and may not be used by You, or any other person or entity, or for any other purpose. Users do not receive any copyright in or to the Content itself. No interest in the Content, whether in whole or in part, may be sold, assigned, encumbered, licensed or otherwise transferred by You or any third parties. Neither Your use of the Content nor the creation of products or materials using such Content create joint authorship, joint ownership or “works made for hire” with Us in or regarding such Content.

Trademarks All service marks, trademarks, trade name, trade dress and other indicia of source used herein and otherwise by Us (collectively called the “Marks”) are proprietary to Us or other respective owners that have granted Us the right and license to use such Marks. Users do not receive any trademark rights or any other rights in or to the Marks. Users do not receive any trademark rights in or to the Content.

Links to External sites:  This site may contain links to sites that are owned, operated and maintained by third parties, which are provided as a convenience to You. These linked sites are not under Our control, and We are not responsible for the accuracy of the content on such sites, or the privacy practices of such sites, We do not monitor nor review the content of such sites, and You expressly understand that Your access by link to such sites is at Your own risk.

Additional Limitations and Disclaimers

In no event will We be liable for, nor make any adjustment, refund or credit of any kind for, any loss, corruption, delay, misprint, non-print, inclusion, omission, misinformation, other direct or indirect damages, or failure to provide the Services offered through this website (any of the foregoing, “Service Failure”) to the extent caused by or resulting from:

• Your acts, defaults or omissions;
• Your violation of any of the terms and conditions contained in these Terms & Conditions, as amended from time to time;
• Viruses, worms, Trojan horses and other forms of harmful code that are not detected or removed using Our standard virus-detection procedures;
• Criminal acts, public authorities acting with actual or apparent authority, authority of law, local disputes, civil commotions, war, national or local disruptions in electronic and transportation networks, failures of Internet service providers, weather phenomena, strikes, natural disasters, and disruption or failure of communication and information systems;
• Loss, corruption or irretrievability of, or damage to, Your personal information, User-provided Materials or information regarding the products used or stored by Us;
• Acts, defaults or omissions of any person or entity other than Us, including Our compliance with verbal or written instructions from You;
• Our provision of advice, assistance or guidance on this site does not constitute acceptance of liability.

All claims should be resolved by contacting Us. Failure to contact Us directly will cause a delay in the processing of any claim and will result in a delay in processing Your claim, which could cause You to lose the ability to receive compensation for loss as provided in these terms and conditions.

Performance of any Services will not cause Us to be deemed Your, or anyone’s, agent for any purpose.

Nature of Relationship:   You do not create a Contractual Relationship of any soft by simply visiting the public portions of Our website, but you agree to the Terms and Conditions as listed in this document.