Privacy Policy | Desert Valley Risk Advisors
Desert Valley Risk Advisors
LICENSED INSURANCE AGENCY · UTAH
Legal

Privacy Policy

Desert Valley Risk Advisors LLC  ·  Effective Date: January 1, 2025  ·  Last Updated: January 1, 2025
Overview

Our Commitment to Your Privacy

Desert Valley Risk Advisors LLC ("Desert Valley Risk Advisors," "we," "us," or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or submit information to us through our online forms.

By submitting your information through our website, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the terms of this policy, please do not submit your information to us.

Important

We do not sell, rent, trade, or share your personal information — including your phone number — with third parties for their own marketing purposes. Ever.

Section 1

Information We Collect

When you submit a quote request form on our website, we may collect the following categories of personal information:

  • Contact Information: First and last name, email address, phone number
  • Demographic Information: Date of birth, zip code, state of residence
  • Health-Related Information: General information relevant to obtaining an insurance quote (e.g., tobacco use, number of household members)
  • Technical Information: IP address, browser type, referring URL, and pages visited on our website (collected automatically via cookies and analytics tools)

We collect this information only when you voluntarily provide it to us by submitting a form on our website.

Section 2

How We Use Your Information

We use the information you provide for the following purposes:

  • To prepare and deliver insurance quotes tailored to your needs
  • To contact you by phone, email, or SMS to discuss your quote and insurance options
  • To schedule and confirm appointments
  • To follow up regarding submitted applications or policy questions
  • To send service-related communications about your insurance coverage
  • To comply with legal and regulatory obligations applicable to licensed insurance agents
  • To improve our website and services

We will not use your information for purposes materially different from those described above without first obtaining your consent.

Section 3

SMS / Text Message Communications

Desert Valley Risk Advisors LLC operates an SMS messaging program to communicate with individuals who have provided express written consent to receive text messages from us.

SMS Program Details

  • Program Name: Desert Valley Risk Advisors Customer Care SMS
  • Message Types: Quote follow-ups, appointment confirmations and reminders, application status updates, policy service communications, and responses to your inquiries
  • Message Frequency: Message frequency varies based on your interactions with us
  • Costs: Message and data rates may apply depending on your mobile carrier and plan
  • Opt-In Method: You opt in by checking the SMS consent checkbox on our website quote request form. The checkbox is unchecked by default and requires your affirmative action to select
  • Consent is not a condition of purchase: You are not required to consent to SMS messages to receive a quote or purchase a policy

How to Opt Out: Reply STOP, CANCEL, QUIT, or UNSUBSCRIBE to any text message we send you. After opting out you will receive one final confirmation and no further SMS messages will be sent. Reply START to re-subscribe. Reply HELP for support.

We Do Not Sell Phone Numbers

Your phone number and your consent to receive SMS messages will never be sold, transferred, or shared with any third party for marketing purposes. This includes data brokers, lead aggregators, and other insurance agencies.

Section 4

How We Share Your Information

We do not sell your personal information. We may share your information only in the following limited circumstances:

  • Insurance Carriers: We may share relevant information with licensed insurance carriers (such as Philadelphia American Life Insurance Company) for the purpose of obtaining quotes or processing applications on your behalf
  • Upline and Licensing Partners: As required by our agency agreements with our upline marketing organizations
  • Service Providers: We use third-party platforms (such as GoHighLevel) to manage our CRM, communications, and website. These providers are contractually prohibited from using your data for their own purposes
  • Legal Compliance: We may disclose information if required by law, subpoena, or other legal process, or to protect the rights and safety of our clients, employees, or the public
Section 5

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to improve your browsing experience and analyze website traffic. We may use session cookies, analytics cookies (e.g., Google Analytics), and advertising pixels. We use the Meta (Facebook) Pixel to measure the effectiveness of our advertising campaigns — this pixel may track form submissions as conversion events.

You can control cookies through your browser settings. Disabling cookies may affect some functionality of our website.

Section 6

Data Security

We implement commercially reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. We retain your personal information for as long as necessary to fulfill the purposes described in this policy and to comply with our legal and regulatory obligations as a licensed insurance agency.

Section 7

Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including the right to know what we have collected, the right to request correction or deletion, and the right to opt out of SMS or email communications at any time. To exercise any of these rights, contact us using the information below. We will respond within 30 days.

Section 8

Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

Section 9

Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy.

Section 10

Contact Us

Desert Valley Risk Advisors LLC

State of Formation: Utah

Phone: (480) 479-0124

Email: [email protected]

For SMS opt-out, the fastest method is to reply STOP to any text message we have sent you.