Privacy Policy

Privacy Policy

Effective Date: [05/17/2024]

1. Introduction & Consent

Welcome to the Riango Corporation Insurance Services Website/Landing Page. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, [Riangoinsurance.com], and use our services. Please read this policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

Consent:

By using our website, you hereby consent to our privacy policy and agree to its terms.

2. Information We Collect

We may collect information about you in a variety of ways. The information we may collect on the Site includes:

Personal Data

While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to:

• Name
• Email address
• Phone number
• Address
• Date of birth
• Insurance details

Derivative Data

Information our servers automatically collect when you access the Site, such as your IP address, your browser type, your operating system, your access times, and the pages you have viewed directly before and after accessing the Site. We do not collect or store this information, our site host may have a separate policy regarding this, you may visit their privacy policy at [https://www.godaddy.com/legal/agreements/privacy-policy] 

Financial Data

Financial information, such as data related to your payment method (e.g., credit card number, card brand, expiration date or Account Information) that we may collect when you purchase any insurance product from our Agency. We store only very limited, if any, financial information that we collect. Otherwise, all financial information is stored by our payment processor, https://www.securevcheck.com/?id=senagroup, and you are encouraged to review their privacy policy and contact them directly for responses to your questions.

https://vchecksupport.com/merchant-support/privacy-policy/

3. Use of Your Information

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Site to:

• To offer you products and services, determine your eligibility for insurance, service your policy, administer policy benefits, to process, service, and enforce transactions (including credit or debit card transactions) and provide users with product, service, or company updates.
• To respond to your inquiries or comments, or to contact you about your policy.
• To establish and verify the identity and eligibility of users.
• To open, maintain, administer, manage, and service users’ profiles or accounts.
• To analyze and improve our products, services, or       Systems, improve safety; manage our communications; perform market research; perform data analytics; and perform accounting, auditing, and other internal functions.
• To communicate with you about or through external social networking platforms.
• To conduct special events, sweepstakes, surveys,       programs, contests, and other offers (and communicate with you about such events).
• To market and advertise our products and services or those of third parties.
• To maintain the security and integrity of our Systems and internal records.
• To conform to legal requirements or industry standards, respond to regulators, comply with subpoenas or legal processes,       detect and prevent fraud or criminal activity, defend our legal rights,       or protect others.
• To create anonymized or aggregated data sets.
• In connection with a merger, acquisition, bankruptcy, transfer, sale, corporate change, or any other transaction involving all or a portion of our business.
• Our Site may embed plug-ins, widgets, or other apps of various external social media platforms. When you encounter those embedded objects, your internet browser may make a direct connection to the social media platform and may share with the social media platform information, such as which of our Sites you have visited, information about your public profile, or content you have posted.
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4. Disclosure of Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

By Law or to Protect Rights

If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation.

Third-Party Service Providers

We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.

Business Transfers

We may share or transfer your information in connection with or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

5. Security of Your Information

We take reasonable precautions to protect your information from loss, misuse, or alteration. Access to information in our possession is limited to those employees who need it to perform business services, process your transactions, or to market on our behalf. Please be aware, however, that any email or other transmission you send through the Internet cannot be completely protected against unauthorized interception or other type of misuse.

6. Policy for Children

We do not knowingly or intentionally solicit information from or market to children under the age of 13, and children under the age of 13 should not submit any information to us. If we become aware that a child has provided us with information without parental consent, or a parent or guardian of a child contacts us through the contact information provided below, we will take reasonable efforts to delete the information as quickly as possible from our databases or site. 

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal, or regulatory reasons. We will notify you of any changes by updating the “Effective Date” of this Privacy Policy. You are encouraged to periodically review this Privacy Policy to stay informed of updates.

8. Limitation of Information Sharing 

Residents of certain states may have different rights. Please check the “State Specific Rights and Information” section of this privacy statement.

•Non-Affiliated Third Parties: If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures; that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to non-affiliated third parties, you may call us at 305-254-6366 Ext. 4. Note that you can only opt out of sharing your nonpublic personal information with non-affiliated third parties for certain purposes; you cannot opt out of sharing such information with non-affiliated third parties who are service providers to us, who engage in joint marketing efforts with us, who assist us with processing and servicing transactions, or as otherwise permitted by law.

o Affiliated Third Parties: If you prefer that we not share consumer report information that is used for insurance eligibility purposes with our affiliated companies for them to market their products and services to you, you may opt-out of such marketing by calling us at 305-254-6366 Ext. 4

o Review and Correction: You have the right to review and request correction of your information. To make a request, please send a written request to us at the following address:

Riango Corporation Insurance Services

ATTN: Customer Service Team

306 Alcazar Avenue, Suite 303-A, Coral Gables, FL 33134

9. State Specific Rights and Information

If you are a resident of one of the following states, you may have additional rights as described in this section.

CALIFORNIA RESIDENTS:  Important Privacy Choices for California Residents. If you are a resident of California, we will not share your information with any non-affiliated companies unless the disclosure is permitted by law or you give us your express prior consent. We may also share your information with affiliated companies, and with non-affiliated companies with which we have contracts to provide financial products or services to you, but not until we provide you with an opportunity to opt-out of such sharing and you do not opt-out. Nothing in this Privacy Statement limits any rights California residents may have under California state law.

To exercise your California opt-in and opt-out rights, please click here https://privacychoices.confie.com/

MONTANA RESIDENTS:  If you are a resident of Montana, we will not disclose your information to non-affiliated companies for their marketing purposes unless the company has an insurance license, you authorize us to do so, or as permitted by law.

NEVADA RESIDENTS: If you are a resident of Nevada and do not want to receive sales calls from us, you may ask to be placed on our internal do-not-call list. You may make this request by emailing us at donotcall@riangoinsurance.com  your name, address, and the telephone numbers you wish to include on the list. If you have questions you may contact us or you may contact the Nevada Attorney General at: 555 E. Washington Avenue, Suite 3900, Las Vegas, NV 89101; (800) 434-9989; or BCPINFO@ag.state.nv.us.

RESIDENTS OF NEW MEXICO, NORTH DAKOTA, AND VERMONT:  If you are a resident of New Mexico, North Dakota, or Vermont, we will not disclose your information to non-affiliated companies unless you expressly authorize us to do so. This does not prohibit us from sharing your information with third parties that perform business services for us or that assist us in servicing your policy or fulfilling a request made by you, or as otherwise permitted by law.

Other Information:

You may also “opt-out,” or unsubscribe, from our newsletters, special offers or discounts, or other marketing communications by following the unsubscribe instructions in any e-mail or other communication you receive from us. After doing so, you will not receive future promotional emails unless you purchase a new policy, enter a contest, or sign up to receive newsletters or emails. Please note that even after you unsubscribe, we may still disclose information as permitted or required by law including, but not limited to, service-related announcements, important information about your policy, state-required notices, and other non-marketing communications about your account or insurance, and you may continue to receive marketing emails from third parties with whom we have shared your information. You will need to contact those third parties in order to opt out of future email marketing communications from them.

We store data for as long as it is necessary to provide the products and services described in this Privacy Statement and for our internal business purposes. If you would like us to delete information, you may contact us using the information below and we will take reasonable efforts to accommodate your request.

10. Contact Us 

We are committed to attending and resolving any inquiries, complaints, or disputes in regards to our privacy policy. If you have questions or comments about this Privacy Policy, please contact us at:

• Email: agonzalez@riangoinsurance.com
• Phone: 305-254-6366 Ext. 4
• Address: 306 Alcazar Avenue, Suite 303-A, Coral Gables,      FL 33134