Privacy Policy

Desert Coverage Insurance LLC

Website Legal & Compliance Policy Package Effective Date: October 2025

At Desert Coverage Insurance LLC, your privacy is our priority. We collect only the minimum information necessary to provide insurance quotes and communicate with you securely.

Information We Collect
When you use our website’s quote form, we collect only: Your name
Your phone number
A brief note on what has you shopping for insurance

We purposely keep our online forms simple to protect your privacy. Sensitive information such as date of birth, driver’s license number, or address is collected only over the phone by a licensed agent.

We never request or store Social Security numbers, banking information, or payment details through our website.

How We Use Your Information
We use your information only to:
– Contact you to discuss your insurance needs
– Prepare and deliver quotes
– Improve our services and user experience
– Comply with applicable state and federal laws

We do not sell or share your information with third-party marketers.

Utah Consumer Rights (UCPA)
Under the Utah Consumer Privacy Act, you have the right to: – Confirm if we process your data
– Access or delete your data
– Opt out of targeted advertising or sale (we do not sell data)

Requests can be made to: LuisCamacho@DesertCoverageInsurance.com | (435) 599-7240 We respond to verified requests within 45 days as allowed by law.

Data Security & Breach Notification
We comply with Utah’s Protection of Personal Information Act and will notify affected individuals promptly in the event of a data breach.

Record Retention
We retain client records as required by the Utah Insurance Department and federal recordkeeping laws.

Contact
Desert Coverage Insurance LLC
Kiln. (1575 South River Road, St. George, UT 84790) (435) 599-7240 LuisCamacho@DesertCoverageInsurance.com

Terms of Use & Website Disclaimer

Effective Date: October 2025

Licensing & Jurisdiction
Desert Coverage Insurance LLC is a licensed independent insurance agency in Utah. Utah License #: 1091478 Arizona License #:19259982
Licensing in Nevada (NV) is coming soon. All website activities are governed by Utah law.

Quotes & Coverage
All quotes are non-binding and subject to underwriting approval. Coverage availability and discounts may vary by insurer and state. We make every effort to ensure accuracy but do not guarantee completeness or pricing.

Client Responsibility
You agree to provide accurate information when requesting quotes. Providing false or incomplete information may affect eligibility for coverage.

Limitation of Liability
Desert Coverage Insurance LLC shall not be liable for any damages arising from use of this website or reliance on its content.

External Links
We are not responsible for content or privacy practices of linked websites.

Advertising & Legal Compliance Addendum

Advertising Standards
All promotional materials comply with Utah Insurance Department Rule R590-130 and Utah Code §31A-23a-402. All marketing is truthful, clearly identifies Desert Coverage Insurance LLC, and avoids any implication of guaranteed savings or coverage.

Savings & Rate Claims
Statements such as “we compare top carriers” or “we help you save” represent our ability to quote across multiple companies, not guaranteed results.
Required Disclaimer: “Savings and coverage vary by carrier and individual underwriting factors.”

Carrier Relationships
Desert Coverage Insurance LLC is independent and not owned by any carrier. Carrier logos or references are for identification only and do not imply endorsement.

Digital Communications
We never request sensitive information (SSN, banking, payment info) via email, text, or social media. Sensitive data is collected only via phone or secure portals.

Bilingual Accuracy
Spanish content is provided for accessibility. In the event of a translation conflict, the English version prevails.

Future Licensing
Currently licensed in Utah (Lic. #1091478), and Arizona (Lic. #19259982). Nevada (NV) licenses are pending approval.

Website Disclaimer

Coverage subject to underwriting and carrier approval. Terms and discounts may vary by insurer and state.

Text Message & Email Communication Disclaimer

SMS Terms and Conditions

Mobile Opt in, SMS Consent,  and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.

1. Introduction

Desert Coverage Insurance (“we,” “us,” “our”) is committed to protecting your privacy. 

This Privacy Policy describes:

– What personal information is collected,

– How it is used,

– Whether and how consumers’ opt-in information is shared.

By using our website or services, you consent to the practices described below.

2. What Personal Information We Collect

We may collect the following categories of personally identifiable information:

– Contact information: name, email address, phone number, billing/shipping address.

– Device & usage data: IP address, browser type/version, device type, pages visited, date/time stamps.

– Service data: details you provide when requesting quotes, scheduling cleanings, or paying for services.

– Mobile data: your device ID, mobile carrier, and location when you access our services via mobile.

3. How We Use Your Personal Information

We use collected information to:

1. Provide and fulfill services – process bookings, payments, estimates, scheduling.

2. Enhance user experience – personalize content and optimize our website.

3. Communications – respond to inquiries, send updates, confirmations, reminders.

4. Marketing – email/SMS promotions and offers (only with your consent).

5. Operational & legal – fulfill contracts, comply with legal obligations, detect/prevent fraud.

4. Opt-In Information & How It’s Shared

If you opt in to receive marketing communications (emails, SMS, etc.):

– We will only share this data with third-party service providers (e.g. email or SMS platforms) for the sole purpose of sending messages on our behalf.

– No mobile opt-in or text message consent will be shared with third parties or affiliates.

5. Cookies & Tracking Technologies

We use cookies, web beacons, tags, and scripts to:

– Support essential site functionality;

– Remember preferences;

– Analyze site performance and usage.

You can control cookies via your browser settings.

6. How We Store & Protect Your Data

Your information is stored securely on encrypted servers and accessed only by authorized personnel and service providers who follow this Privacy Policy. While we use industry-standard safeguards, no system is completely secure.

7. Data Sharing & Disclosure

We may share your information with:

– Service providers: for analytics, communications, and payment processing.

– Affiliates/business partners: only when necessary to fulfill services (e.g. subcontractors), always under confidentiality terms.

– Legal authorities: to comply with legal requirements or to protect rights and safety.

We do not sell or lease your personal info to third parties.


8. Retention of Your Data

We retain your personal information only as long as needed for business purposes, legal obligations, dispute resolution, fraud prevention, or as required by law.

9. International Transfers

Your data may be transferred and processed in countries outside the U.S. We ensure standard contractual protections or lawful transfer mechanisms are in place.


10. Your Rights & Choices

You may:

– Opt in or out of marketing communications anytime via links or reply commands (“STOP”).

– Access, update, correct, or delete your personal information—contact us at the email below.

– Control cookies through browser settings.

     
11. Changes to this Policy

Any changes will be posted here, and if materially significant, we’ll notify you via email or website notification, updating the “Last Updated” date.

12. Contact Us

For questions or privacy requests, please reach out:

Desert Coverage Insurance

Email: LuisCamacho@desertcoverageinsurance.com

Phone: (435) 599-7240

Address: Kiln. (1575 South River Road, St. George, UT 84790)

Website / Form Version

  • To protect your privacy, please do not send sensitive personal information (such as SSN, driver’s license, or payment details) through email, text, or social media.
  • Desert Coverage Insurance LLC collects personal information only over the phone or via secure carrier systems.
  • Standard messaging and data rates may apply for text communications.

Email Signature Version
Please do not send personal identifying information (PII) such as SSN, driver’s license, or payment info by email or text.

Desert Coverage Insurance collects sensitive information only via secure or phone communication.

Record of Compliance
This document has been prepared to ensure compliance with:
– Utah Insurance Department Rule R590-130 (Advertising of Insurance) – Utah Code §31A-23a-402 (Unfair or misleading practices)
– Utah Consumer Privacy Act (UCPA)
– Utah Data Breach Notification Act
– Federal CAN-SPAM & TCPA (text/email communication laws)

Desert Coverage Insurance LLC
Kiln. (1575 South River Road, St. George, UT 84790)
(435) 599-7240 | LuisCamacho@DesertCoverageInsurance.com © 2025 All Rights Reserved