Utah Family Insurance Advisors, LLC (“Utah Family Insurance Advisors,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit utfamilyinsurance.com, submit a form, request an insurance quote, schedule an appointment, communicate with us, or use any service that links to this Privacy Policy.

This Privacy Policy applies to information collected through our website, online forms, telephone calls, text messages, emails, appointments, and other interactions with us.

1. Information We Collect

Depending on how you interact with us, we may collect the following categories of information.

Personal and contact information

This may include:

-Name

-Email address

-Telephone number

-Mailing address

-State, ZIP code, or county

-Preferred method of communication

-Appointment information

-Information included in messages or form submissions

Insurance and household information

When you ask us to evaluate insurance options, we may collect information such as:

-Age or date of birth

-Household size

-Marital or dependent status

-Employment status

-Employer or business information

-Current insurance coverage

-Desired coverage type

-Insurance eligibility information

-Medicare eligibility or enrollment information

Preferred doctors, hospitals, or pharmacies

-Prescription-drug information

-Tobacco-use information

-Estimated household income

-Information concerning insurance needs, beneficiaries, or coverage goals

Please do not submit Social Security numbers, banking information, medical records, or other highly sensitive information through a general website contact form unless we specifically provide a secure method for doing so.

Health-related information

Because we assist with health, Medicare, life, dental, and vision insurance, you may voluntarily provide information relating to your health, medications, providers, or coverage needs.

Utah Family Insurance Advisors is an independent insurance agency and is not automatically considered a health-care provider under the Health Insurance Portability and Accountability Act, commonly known as HIPAA. Information may nevertheless be protected under insurance privacy rules, financial-privacy laws, carrier requirements, or other applicable laws.

Small-group insurance information

For small-group or employer-sponsored insurance inquiries, we may collect:

-Business name

-Business contact information

-Number of eligible employees

-General employee census information

-Employee ages or ZIP codes

-Current plan information

-Coverage preferences

-Information needed to obtain or compare group insurance options

Employers should not submit detailed employee medical information through an ordinary website form.

Automatically collected information

When you use our website, we or our service providers may automatically collect:

-Internet Protocol address

-Browser type

-Device type

-Operating system

-Referring webpage

-Pages visited

-Date and time of visits

-Links or buttons clicked

-Approximate geographic location

-Website interaction and performance information

-Cookie and similar technology identifiers

2. How We Collect Information

We may collect information:

-Directly from you

-Through website and HighLevel forms

-During telephone, video, or in-person appointments

-Through text messages or emails

-From insurance carriers, general agencies, enrollment platforms, or quote systems

-From government or insurance marketplaces when authorized

-From referral partners

-From publicly available sources

-Through cookies, analytics tools, pixels, and similar technologies

3. How We Use Information

We may use information to:

-Respond to your questions

-Contact you about an inquiry

-Schedule and manage appointments

-Evaluate insurance needs

-Compare insurance products and carriers

-Prepare insurance quotes or illustrations

-Assist with applications or enrollment

-Determine possible eligibility for plans, subsidies, or enrollment periods

-Communicate regarding Medicare, health, life, dental, vision, or small-group coverage

-Provide reminders, follow-ups, and service updates

-Maintain customer and prospect records

-Provide customer service

-Comply with insurance, legal, carrier, and regulatory obligations

-Detect and prevent fraud, misuse, or security incidents

-Improve our website and services

-Measure advertising or website performance

-Send marketing communications where permitted by law

-Maintain records of consent and communication preferences

-Protect our legal rights and the rights of others

Submitting information does not guarantee eligibility for coverage, issuance of a policy, enrollment in a plan, or acceptance by an insurance carrier.

4. Insurance Carriers and Other Recipients

We may disclose information when reasonably necessary to provide insurance-related services. Recipients may include:

-Insurance carriers

-Medicare Advantage or prescription-drug plan sponsors

-Health-insurance issuers

-Life-insurance companies

-Dental and vision insurers

-General agencies, field marketing organizations, and brokerage partners

-Insurance quoting and enrollment platforms

-Government or health-insurance marketplaces

-Licensed insurance agents assisting with your request

-Service providers that operate our website, CRM, forms, email, text messaging, scheduling, hosting, analytics, or cybersecurity systems

-Professional advisers, auditors, accountants, attorneys, or compliance consultants

-Government agencies or regulators when legally required

We do not sell your text-message consent or opt-in information.

We do not share mobile information with third parties or affiliates for their own marketing or promotional purposes. We may share information with service providers that help us deliver messages, provided they use the information only to perform services on our behalf.

5. Nonpublic Personal Information and Financial Privacy

Insurance-related information may constitute “nonpublic personal information” under the Gramm-Leach-Bliley Act or applicable state insurance privacy laws.

Where required, we use and disclose this information for purposes such as servicing an insurance request, obtaining quotes, processing an application, maintaining coverage, preventing fraud, complying with law, or as otherwise authorized by you.

This online Privacy Policy is not necessarily a substitute for any separate financial-privacy notice, carrier privacy notice, HIPAA authorization, or insurance disclosure that may be provided during an application or enrollment process.

Federal financial-privacy rules govern how covered financial institutions collect and disclose consumers’ nonpublic personal information, while the Safeguards Rule requires covered organizations to maintain an information-security program.

6. Text Messages and Telephone Communications

When you provide your telephone number and expressly agree to receive text messages, Utah Family Insurance Advisors may send messages concerning:

-Your inquiry

-Insurance options

-Appointments

-Appointment reminders

-Requested quotes

-Application or enrollment follow-up

-Customer-service matters

-Renewal or coverage reminders

-Service updates

-Occasional promotional messages, where separately authorized

Message frequency varies. Message and data rates may apply.

Reply STOP to cancel text messages. Reply HELP for assistance. You may also contact us at 385-338-4920 or [email protected].

Consent to receive automated or marketing text messages is not a condition of purchasing insurance or receiving assistance. Opting out of promotional messages does not prevent us from sending nonmarketing communications that are necessary to respond to a request or service an existing relationship, where permitted by law.

Mobile opt-in information and consent records will not be sold or provided to third parties for their independent marketing purposes.

7. Email Communications

We may send service-related emails in response to an inquiry or regarding an existing insurance relationship.

Where you have agreed to receive promotional email, we may also send insurance information, reminders, educational content, or promotional offers.

Marketing emails will include an unsubscribe mechanism where required. You may also request removal by emailing [email protected].

Unsubscribing from marketing emails may not stop transactional or service-related emails.

The federal CAN-SPAM Act requires commercial emails to use accurate sender information, avoid deceptive subject lines, include a valid opt-out method, and honor qualifying unsubscribe requests.

8. Cookies and Analytics

Our website may use cookies, pixels, tags, local storage, and similar technologies to:

-Keep the website functioning

-Understand how visitors use the website

-Diagnose technical issues

-Improve website performance

-Measure marketing campaigns

-Remember preferences

-Prevent fraudulent activity

-These technologies may be operated by website-hosting providers, analytics companies, advertising platforms, or CRM providers.

You can often control cookies through your browser settings. Disabling cookies may affect website functionality.

9. HighLevel and Technology Providers

Our website forms, CRM, appointment scheduling, email, text messaging, or related automations may be operated through HighLevel or other technology providers.

When you submit a form, the information may be transmitted to and stored in systems operated by these service providers on our behalf. These providers may process information according to their own terms, privacy policies, and contracts with us.

10. Data Security

We use reasonable administrative, physical, and technical safeguards intended to protect information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, email system, telephone system, text-message service, or electronic storage method is completely secure. We cannot guarantee absolute security.

Where applicable, Utah’s Protection of Personal Information Act requires covered organizations to maintain reasonable procedures to protect personal information and establishes requirements concerning security breaches.

11. Data Retention

We may retain information for as long as reasonably necessary to:

-Respond to an inquiry

-Provide insurance services

-Maintain business and insurance records

-Document consent

-Comply with carrier, insurance, tax, legal, or regulatory obligations

-Resolve disputes

-Prevent fraud

-Enforce agreements

Retention periods may vary according to the information and the purpose for which it was collected.

12. Your Privacy Choices

You may contact us to request that we:

-Correct inaccurate contact information

-Update your communication preferences

-Stop marketing emails

-Stop marketing text messages

-Delete information that we are not legally or contractually required to retain

-Explain the general categories of information we maintain about you

We may need to verify your identity before processing a request.

Some information cannot be deleted where retention is required for insurance, compliance, fraud-prevention, carrier, contractual, or legal purposes.

Utah’s Consumer Privacy Act grants certain rights when the law applies to a covered business and covered data. However, the Act contains applicability thresholds and exemptions, including provisions relating to data regulated by certain financial and insurance laws. We will honor applicable rights based on the law governing the relevant information and our business.

13. Do Not Track and Targeted Advertising

Some browsers offer a “Do Not Track” setting. Because there is no uniform industry standard for these signals, our website may not respond to all Do Not Track signals.

Where legally required and technically supported, we will process applicable browser-based privacy signals.

We do not knowingly sell personal information for money. Use of analytics or advertising technology may involve disclosures to service providers or advertising platforms. You may block or delete cookies through your browser settings.

14. Children’s Privacy

Our website and services are intended for adults seeking insurance information for themselves, their households, or their businesses.

We do not knowingly collect personal information directly from children under 13 through this website. A parent or legal guardian may provide dependent information when needed for an insurance inquiry or application.

Contact us if you believe a child submitted information without appropriate authorization.

15. Third-Party Websites

Our website may link to insurance carriers, government marketplaces, Medicare resources, enrollment systems, social-media platforms, or other third-party websites.

We do not control those websites and are not responsible for their privacy practices, content, availability, or security. Review the privacy policy of each third-party website before submitting information.

16. Medicare Information

Utah Family Insurance Advisors is an independent insurance agency and is not Medicare, the Centers for Medicare & Medicaid Services, the U.S. Department of Health and Human Services, or another government agency.

Information submitted concerning Medicare may be disclosed to applicable insurance carriers, plan sponsors, enrollment platforms, general agencies, or other entities involved in evaluating or processing your Medicare request.

Medicare Advantage and Part D communications are subject to federal CMS marketing and communications requirements.

17. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with a revised effective date.

Your continued use of the website after an update means the revised policy applies to information collected after the effective date, to the extent permitted by law.