PRIVACY POLICY

This privacy policy (“Policy”) outlines how personal information is collected, used, and disclosed by Abarca Insurances Agency (“we” or “us”) in connection with your use of our website, abarcainsurances.com, and any other site operated by Abarca Insurances Agency that links to this Policy (the “Site”). This Policy aims to help you make an informed decision about using our Site. We reserve the right to modify this Policy at any time and will notify you of any changes by updating the Policy’s last updated date. We encourage you to review this Policy periodically to understand how your personal information is managed.

WHAT IS PERSONAL INFORMATION?
“Personal information” refers to data that identifies an individual (e.g., name, address, telephone number, mobile number, email address, or credit card number) or information directly linked to identifiable information. It does not include “aggregate” information, which is data about Site usage or service categories from which individual identities are removed. This Policy does not restrict our use of aggregate information.

WHAT INFORMATION DO WE COLLECT?
Active Collection:

We gather information you voluntarily provide when you visit our Site. This includes data you submit when creating an account, sending emails, filling out forms, registering for events, requesting information, or posting content on the Site. This may include personal information such as your name, address, email, phone number, demographic details, and credit card number. Additionally, personal and demographic information may be collected when you create profiles, leave comments, submit content, send messages, or participate in interactive forums on the Site.

Passive Collection:

We automatically collect certain information when you use our Site, such as your IP address, operating system, browser type, referring website, and activity on the Site. This information is considered personal if combined with identifiable data; otherwise, it is used in aggregate form.

We also use “cookies,” small data files stored on your hard drive, to enhance Site functionality and your experience. If cookies are linked to personal information, they are treated as personal information. You can manage cookies through your browser settings, but disabling them may affect Site features.

We may employ web beacons or similar technologies on the Site and in emails to monitor user activity, such as counting visits, analyzing usage, tracking campaign effectiveness, and confirming email interactions.

HOW DO WE USE THE PERSONAL INFORMATION WE COLLECT?
We use the collected personal information for purposes described in this Policy or elsewhere on the Site, including:

Operating the Site, providing requested information or services, and processing transactions
Requesting feedback and contacting you about your Site use
Responding to emails, submissions, questions, comments, requests, and complaints
Monitoring and analyzing Site usage trends to personalize and improve user experiences
Providing news and information about events, offers, promotions, products, and services
Sending confirmations, updates, security alerts, support, and administrative messages
Notifying you about important Site changes
For any other purpose for which the information was collected
We may store and process personal information in the United States and other countries.

WHAT PERSONAL INFORMATION DO WE SHARE WITH THIRD PARTIES?
We do not share your personal information with third parties except as described in this Policy or on the Site. We may share information as follows:

With vendors, consultants, and service providers who need access to the information to carry out their work
With your consent, including situations where you are notified that your information will be shared in a specific manner
In aggregated or anonymized form that does not directly identify you
When we believe disclosure is legally authorized or required, or necessary to comply with legal processes, law enforcement requests, or protect the rights, property, or safety of Abarca Insurances Agency, our users, employees, or the public
To enforce this Policy, our Terms of Use, or other policies or agreements
During negotiations or in connection with any merger, sale of assets, financing, or acquisition where personal information may be transferred as a business asset
When you use the Site, information you post in public areas, such as profiles, blogs, groups, or forums, may be available to other users and the public. Be cautious when sharing personal information in these settings.

We are not responsible for the actions of service providers or third parties or any additional information you provide to them directly. We recommend reviewing their privacy practices before sharing information. Aggregate or anonymized information may be shared with third parties without your consent.

LINKS TO OTHER WEBSITES
Our Site may contain links to third-party websites. Any personal information you provide on these linked pages is subject to their privacy policies, not ours. We are not responsible for the content or privacy practices of these sites and encourage you to review their policies before providing personal information.

HOW DO WE PROTECT YOUR INFORMATION ONLINE?
We take reasonable measures to safeguard your personal information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no security measures are perfect or impenetrable. To protect your personal information, keep your password confidential and do not share it with others. Notify us immediately if you believe your password has been misused.

YOUR CHOICES REGARDING YOUR INFORMATION
You may opt out of receiving marketing or promotional emails from us by following the instructions in those emails.