PRIVACY POLICY

Privacy Policy Statement
Cisneros Insurance Group - Purpose of this Statement
At Cisneros Insurance Group, we understand your concerns about privacy. We hope this statement, which describes our use and protection of nonpublic personal information (“customer information”), will help you understand how we treat the customer information we obtain from you or other sources in the course of providing you with our insurance products.

At Cisneros Insurance Group, we are committed to protecting your privacy as a visitor to this website and as our customer. To our visitors and to our customers, we offer this pledge: 

Cisneros Insurance Group is the owner of the information, which is collected on this website. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy. 

Information Collection

Cisneros Insurance Group will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this website. When you enroll for an insurance policy at Cisneros Insurance Group, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company of your choice when you purchase an insurance policy so they can establish you as a policyholder. 

We will maintain a record of your information at the offices of Cisneros Insurance Group so we can provide you with policyholder service. The employees of Cisneros Insurance Agency are each required to sign and acknowledge a Confidentiality And Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information. 

When you purchase an insurance policy from Cisneros Insurance Group, you will pay the premiums with your credit card or personal check. We do not keep a record of your credit card information. If you pay the premium using your personal check, we might keep a copy of your check in your file. When you send us e-mail from this website, you will provide us with certain personally identifiable information including your e-mail address. 

Cisneros Insurance Group may collect personal information from:
  • You, on applications or other forms. Information we collect may include names, address, and social security numbers.
  • Your transactions with us, such as payments of premiums or submission of claims.
  • Third parties, including doctors, employers, and other insurers. Information we collect may include medical records, employment history and claim history.
  • Credit reporting agencies, insurance reporting agencies, government agencies, and medical information providers.
Information Disclosure

Cisneros Insurance Group makes every effort to maintain absolute privacy while using our website. If information is ever viewed by another party, it is purely accidental and by using our website, you release us from any liability should this information be downloaded, viewed or retrieved against our privacy rules. We shall not be liable for any unlawful acts of others who steal this information through any means.

Cisneros Insurance Group does not sell nonpublic information to anyone. We do not disclose nonpublic personal information to our affiliates or to non-affiliated third parties, except as required or permitted by law. 

Notice of Insurance Information Practices 

Personal information about you, including information from a credit report and loss history may be collected from persons other than you in connection with this application for insurance and subsequent policy renewals. You have the right to review your personal information in our files and can request correction of any inaccuracies. Such information as well as other personal and privileged information collected by Cisneros Insurance Group or our agents may in certain circumstances be disclosed to third parties without your authorization to assist in servicing your account. A more detailed description of your rights and our practices regarding such information can be accessed by contacting your agent or broker and asking for additional details about our information and disclosure practices.

Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and (NY: substantial) civil penalties. (Not applicable in CO, HI, NE, OH, OK, OR, or VT; in DC, LA, ME, TN, VA and WA, insurance benefits may also be denied.

Cookies

A cookie is a piece of data that is stored on a visitor's hard drive while they are visiting this website. We may utilize a short-lived form of cookie when you visit this site. At Cisneros Insurance Group, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment process. No personally identifiable information is stored on the cookie. The cookie expires and is deleted from the visitor's computer as soon as they close their browser or if they are not actively browsing our website for more than 20 minutes. Should a previous visitor to our website return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session. 

Third Party Links

This website may contain links to third party websites that are not controlled by Cisneros Insurance Group. These third party links are made available to you as a convenience and you agree to use these links at your own risk. Please be aware that we are not responsible for the content of third party websites linked to us nor are we responsible for the privacy policy or practices of third party websites linked to Cisneros Insurance Group. Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with Cisneros Insurance Group. If you should link to a third party website from Cisneros Insurance Group, we strongly encourage you to review and become familiar with that website's privacy policy. 

Changes In Our Privacy Policy

Cisneros Insurance Group reserves the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes. 

If you have any questions about our privacy policy, please feel free to contact us at 512.445.4222.

Who Should Use Our Web Site?

Our website is for insurance products and services and is not intended for children. We offer insurance products and services and thus do not market any products or services to children or knowingly collect any information from children. If we become aware that information is or has been submitted by or collected from a child, we will destroy this information.

Web Site Disclaimer:

IMPORTANT NOTE: This website provides only a simplified description of coverage, and is not a statement of contract. Coverage may not apply in all states. For complete details of coverage, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable. Coverage CANNOT be bound, amended, or altered by leaving a message on, or relying upon, information in this Website or through E-Mail. 

Statements on this website as to policies and coverage's and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverage's pertain to their individual situation. 

Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional. 

Please contact Cisneros Insurance Group's Austin, Texas office at 512.445.4222 or our San Marcos office at 512.805.8760 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone.
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