Privacy Policy

Collecting and Using Personal Information

Welcome to Broyles LLC websites. We appreciate your interest in us. When you visit and navigate our sites and when you communicate with us via our sites, we will not collect personal information about you unless you provide us that information voluntarily. Any non-public personal information that you may provide via our sites will be used solely for the purpose stated on the page where it is collected. (In some cases, and in all cases where required by law or regulation, you will be able to update the information that you provide to us either by sending us an e-mail or, where you have established personal profiles with us, by updating your profile online. Please refer to the specific pages where data is collected for more information.) Broyles Financial Services will not sell, license, transmit or disclose this information outside of Broyles Financial Services and its affiliated companies unless (a) expressly authorized by you, (b) necessary to enable Broyles Financial Services contractors or agents to perform certain functions for us, or (c) required or permitted by law. In all cases, we will disclose the information consistent with applicable laws and regulations and we will require the recipient to protect the information and use it only for the purpose it was provided.

By “personal information,” we mean data that is unique to an individual, such as a name, address, Social Security number, or telephone number. From time to time, we may request personal information from you at our sites in order to deliver requested materials to you, respond to your questions, or deliver a product or service.

Your E-mail

We welcome your comments or questions about our websites and have provided e-mail boxes for that purpose. We will share your comments and questions with our customer service representatives and those employees most capable of addressing your questions and concerns.

Please note that your e-mail, like most, if not all, non-encrypted Internet e-mail communications, may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to us. For that reason, to protect your privacy, please do not use e-mail to communicate information to us that you consider confidential. If you wish, you may contact us instead via non-cellular telephone at the numbers provided at various locations on our sites.

There are some locations on Broyles Financial Services websites where we have made special provisions for a more secure environment in which we can exchange information with you. At each of these locations, we will provide you with appropriate instructions.

Other Information; "Cookies"

You should also be aware that when you visit our websites, we collect certain information that does not identify you personally, but provides us with “usage data,” such as the number of visitors we receive or what pages are visited most often. This data helps us to analyze and improve the usefulness of the information we provide at these websites.

Like most commercial website owners, we may also use what is known as “cookie” technology. A “cookie” is an element of data that a website can send to your browser when you link to that website. It is not a computer program and has no ability to read data residing on your computer or instruct it to perform any step or function. By assigning a unique data element to each visitor, the website is able to recognize repeat users, track usage patterns and better serve you when you return to that site. The cookie does not extract other personal information about you, such as your name or address. Most browsers provide a simple procedure that will enable you to control whether you want to receive cookies by notifying you when a website is about to
deposit a cookie file.

Linking to Other Sites

From time to time, Broyles Financial Services  websites may provide links to other websites, not owned or controlled by Broyles Financial Services, that we think might be useful or of interest to you. We cannot, however, be responsible for the privacy practices used by other website owners or the content or accuracy of those other websites. Links to various non-Broyles Financial Services websites do not constitute or imply endorsement by Broyles Financial Services of these websites, any products or services described on these sites, or of any other material contained in them.

Changes to This Statement

Broyles Financial Services may change this Statement from time to time; when updates are made, the Privacy Policy version date (located at the bottom of this Policy) will also be updated to reflect that a revision occurred. We encourage you to periodically reread this Policy to see if there have been any changes that may affect you. This Statement is not intended to and does not create any contractual or other legal rights in or on behalf of any party.

Terms Of Use

By using this Web site, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this Web site. If you do not agree with each term of use specified herein, you are not granted permission to use this Web site and must exit this site immediately. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

Disclaimer

To the fullest extent permissible pursuant to applicable law, the materials on this Web site are provided "as is" and without warranties of any kind either expressed or implied and Broyles LLC Companies member insurers and their parents, subsidiaries and affiliates (collectively, "Broyles Financial Services") disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Broyles Financial Services does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Web site or the server that makes it available are free of viruses or other harmful components. Broyles Financial Services does not warrant or make any representations regarding the use or the results of the use of the materials on this Web site in terms of their correctness, accuracy, reliability, or otherwise. You (and not Broyles Financial Services) assume the entire cost of all necessary servicing, repair, or correction.

The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or contract or the relevant product or services agreement; provided, however, the foregoing disclaimer does not apply to variable product policy or fund prospectuses and related reports.

Limitation of Liability

While Broyles Financial Services uses reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, Broyles Financial Services makes no warranties or representations as to the accuracy of the content of this Web site and under no circumstances, including, but not limited to, negligence, shall Broyles Financial Services or any party involved in creating, producing, or delivering this Web site be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Web site, even if Broyles Financial Services or a Broyles Financial Services authorized representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, in no event shall Broyles Financial Services total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Web site.

Broyles Financial Services also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Web site or your downloading of any materials, data, text, images, video, or audio from this Web site.

No Solicitation or Advice

Unless otherwise expressly stated, the information appearing on this Web site is provided to you for informational purposes only and does not constitute an offer to sell or buy any product or service that may be referenced or described on this Web site. If an offer to sell or buy a product or service is expressly offered, the offering is specifically limited to the jurisdiction(s) in which the offerer has the authority to make the offer and be bound. Nothing in this Web site should be construed as rendering tax, legal, investment or accounting advice.

No Use of Site by Minors

No "minor," as determined by the applicable jurisdiction’s insurance or other laws, may use this Web site. We do not knowingly solicit business or gather information from minors and request that any minor have their parent or a responsible adult contact us. If you are a minor, please leave this site immediately.

Restrictions on Use of Materials

This Web site is owned and operated by Broyles Financial Services. Except as otherwise expressly permitted by Broyles Financial Services, no materials from this Web site or any Web site owned, operated, licensed or controlled by Broyles Financial Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Web site for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Web site for public or commercial purposes, including the text, images, audio, and video without Broyles Financial Services written permission. Broyles Financial Services neither warrants nor represents that your use of materials displayed on this Web site will not infringe rights of third parties.

Jurisdictional Issues

Unless otherwise expressly set forth herein, Broyles Financial Services makes no representation that materials on this Web site are appropriate or available for use in any location. Those who choose to access this Web site do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this Web site is not an offer to sell any security, insurance product or other product or service by Broyles Financial Services. No security, insurance product or other product or service is offered or will be sold by Broyles Financial Services or, if sold by Broyles Financial Services will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

Ownership of Information

Any information, other than personal data or information (including e-mail addresses), you transmit to Broyles Financial Services via this Web site, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of Broyles Financial Services. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Broyles Financial Services is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Broyles Financial Services via this Web site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Trademarks and Copyrights

All trademarks, service marks, trade names, logos, and icons are proprietary to Broyles Financial Services or used with permission obtained by Broyles Financial Services. Nothing contained on the Web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Web site without the written permission of Broyles Financial Services and/or the owner of the mark, logo or icon. Your use of the trademarks displayed on this Web site, or any other content on this Web site, except as provided herein, is strictly prohibited.

Images displayed on this Web site are either the property of, or used with permission by, Broyles Financial Services. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by Broyles Financial Services and/or the owner. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.