BRANCH FINANCIAL, INC.
In consideration of Branch Financial, Inc., a Delaware corporation (“Branch,” “we,” “us” or “our”) providing you (which term, as used herein, includes you personally and, if you are using this website on behalf of the company or organization on whose behalf we grant you access, such company and organization) access to our Internet website, http://www.ourbranch.com, (the “Site”) and the information, documents, reports, data, features, functionalities and software that may be offered to you through or in connection with your use of and/or access to the Site and the other materials on the Site (collectively, and as such may be revised from time to time by us, the “Content”), you hereby agree to the following provisions of this privacy statement (the “Privacy Statement”).
Branch offers a service whereby users can get quotes for certain insurance coverage and purchase policies pursuant to those quotes. In order to provide the service to you, you must provide certain personal data. This privacy statement explains which data we collect and how we process and use such data.
Personal data we collect
Branch collects personal data, through our interactions with you and from various outside third party sources for business purposes. You provide some of this data directly, and we get some of it by collecting data about your interactions, use, and experiences with our products. The data we collect depends on the context of your interactions with Branch and the choices you make, including how you contact us and the products and features you use. The data we may also obtain about you from third parties includes data from insurance support organizations that assemble or collect information about individuals for the purpose of providing it to insurance companies. This type of information may include, but is not limited to, your driving record, claims history, and credit information. Insurance support organizations may keep information they give us. These firms may share that information with other persons as permitted by law.
Branch may collect, via its Community Drive program, information about your driving style and habits, such as location, speed, acceleration, braking, and cornering; and combine this with weather, traffic, time of day, and other contextual data. Such use is based upon you giving explicit consent to this profiling when registering to use the Community Drive program.
You have choices when it comes to the technology you use and the data you share. When we ask you to provide personal data, you can decline. Many of our products require some personal data to provide you with a product or a service. If you choose not to provide data necessary to provide you with a product or feature, you cannot use that product or feature. Likewise, where we need to collect personal data by law or to enter into or carry out a contract with you, and you do not provide the data, we will not be able to enter into the contract.
How we use personal data
Branch uses the data we collect to provide our products and to support your use of our website, “www.ourbranch.com”.
We also use the data to improve and develop our products, and to advertise and market to you, including without limitation sending, with your permission, email communications that are relevant to your account or use of the Site. In addition to using data to improve and develop our products, Branch also uses data we collect to analyze and improve user interactions and experience. For example, while you use Branch websites and mobile applications, Branch may capture and record data input, scrolling, mouse movements, screen data and appearance, device inputs, browser specifications, application data, session data, event data, and client-side error events and messages. We may view this information on an individual-session basis through logs and visually recreated user sessions.
We also use the data to operate our business, which includes analyzing our performance, meeting our legal obligations, and doing research. We restrict access to information about you to those employees who need to know that information to provide products or services to you. We may also, in certain circumstances consented to by you and/or permitted by law, disclose information about you to third parties. We maintain physical, electronic, and procedural safeguards to protect your information.
When we process personal data about you, we do so with your consent and/or as necessary to provide the products you use, operate our business, meet our contractual and legal obligations, protect the security of our systems and our customers, or fulfill other legitimate interests of Branch.
Examples of persons or organizations with whom we may share your personal information:
- Businesses that conduct actuarial or other research studies
- Claims adjusters involved in your claim process
- Insurance carriers that play a role in our insurance transaction with you
- Vendors and third-party service providers
Reasons we share personal data
We share your personal data with your consent or as necessary to complete any transaction or provide any product you have requested or authorized. For example, we share your content with third parties when you tell us to do so, such as when you request an insurance quote.
When you provide payment data to make a purchase, we will share payment data with banks and other entities that process payment transactions or provide other financial services, and for fraud prevention and credit risk reduction.
We also share personal data with vendors working on our behalf for the purposes described in this statement. For example, companies we’ve hired to provide customer service support or assist in protecting and securing our systems and services may need access to personal data to provide those functions. Additionally, we may share data with or send data to third-party service providers that help us improve and develop products and improve user experience as described above. These service providers may analyze and store data, including your interactions with the Site. They may also provide us with applications, which we use to analyze the data collected and connect that data to your interactions, including on an individual-session basis through logs and visually recreated user sessions. In all of these cases, our vendors and third-party service providers must abide by our data privacy and security requirements and are not allowed to use personal data they receive from us for any other purpose. We may also disclose personal data as part of a corporate transaction such as a merger or sale of assets.
Finally, we will retain, access, transfer, disclose, and preserve personal data, when we have a good faith belief that doing so is necessary to do any of the following:
- Comply with applicable law or respond to valid legal process, including from law enforcement or other government agencies.
- Protect our customers, for example, to prevent spam or attempts to defraud users of our products, or to help prevent the loss of life or serious injury of anyone.
- Operate and maintain the security of our products, including to prevent or stop an attack on our computer systems or networks.
- Protect the rights or property of Branch, including enforcing the terms governing the use of the services. However, if we receive information indicating that someone is using our services to traffic in stolen intellectual or physical property of Branch, we will not inspect a customer’s private content ourselves, but we may refer the matter to law enforcement.
Information for Internet Users
How to access and control your personal data
You can control your personal data that Branch has obtained, and exercise your data protection rights. Contact Branch via email at email@example.com, if you wish to review your personal data or believe that our information is incomplete or inaccurate. You can request that we correct any inaccurate items. Please specify the type of personal information you wish to review or you feel is inaccurate, and please provide your contact information. We will respond promptly to address your request. In some cases, your ability to access or control your personal data will be limited, as required or permitted by applicable law.