Privacy Policy

Effective Date: January 01, 2026

Last Updated: January 01, 2026

Welcome to Compass Financial LLC. (“Company,” “we,” “us,” or “our”). We are an independent insurance agency providing insurance products and related services. Your privacy is important to us. This Privacy Policy explains how we collect, use, protect, and disclose personal information when you use our website and services.

This policy applies to users located in the United States.

By using our website or services, you agree to this Privacy Policy.

1. INFORMATION WE COLLECT

Information You Provide Voluntarily
We may collect personal information including:

- Full name

- Email address

- Mobile phone number

- Mailing address

- Date of birth

- Insurance coverage details

- Driver’s license or vehicle information (if applicable)

- Information submitted through forms, quote requests, appointment scheduling, or policy applications

Automatically Collected Information
We may collect:

- IP address

- Browser and device type

- Pages visited

- Time spent on pages

- Referring URLs

Cookies & Tracking

We may use cookies and similar technologies for analytics and website performance. You may disable cookies through your browser settings.

2. HOW WE USE YOUR INFORMATION

We use your information to:

- Provide insurance quotes and policy information

- Process applications and service requests

- Respond to inquiries

- Send transactional communications

- Send SMS messages with valid consent

- Improve website functionality

- Comply with legal and regulatory requirements

We do not sell your personal information.

3. EMAIL COMMUNICATIONS

If you provide your email address, we may send transactional emails related to your policies and optional marketing emails. You may unsubscribe from marketing emails at any time.

4. TEXT / SMS MESSAGING POLICY (A2P / TCPA / CTIA COMPLIANCE)

Program Description
If you opt in, you may receive SMS messages from Compass Financial LLC. including:

- Quote follow-ups

- Appointment confirmations

- Policy reminders

- Payment reminders

- Service updates

- Promotional messages (only with explicit consent)

Consent
By providing your mobile number and checking the SMS consent box, you provide express written consent to receive text messages. Consent is not a condition of purchase.

Message Frequency
Message frequency varies depending on your interaction with our services.

Fees
Message and data rates may apply.

Opt-Out
You may opt out at any time by replying STOP. You may receive one final confirmation message after opting out.

Help
Reply HELP for assistance or contact us at:
Email: [email protected]

Phone: (801) 819-4423

Mobile Information Sharing
No mobile information, SMS opt-in data, or consent records will be shared with third parties or affiliates for marketing or promotional purposes.

5. INFORMATION SHARING

We may share information with:

- Insurance carriers for quoting and underwriting

- Service providers who help operate our business (CRM, hosting, SMS providers)

These providers are contractually obligated to protect your information.

6. DATA SECURITY

We implement reasonable safeguards to protect your personal information. No system is completely secure.

7. DATA RETENTION

We retain information as necessary to provide services and comply with insurance regulatory requirements.

8. CHILDREN’S PRIVACY

Our services are not intended for individuals under 18 years of age.

9. CHANGES TO THIS POLICY

We may update this Privacy Policy at any time. Updates will be posted with a revised Effective Date.

10. CONTACT INFORMATION

Compass Financial LLC.

3016 East 80 South, Spanish Fork UT 84660

Email: [email protected]

Phone: (801) 819-4423'

Website: mycompassfinancial.com