TERMS OF SERVICE — WASATCH PREFERRED

Last Updated: December 2025

By using the Wasatch Preferred website, you agree to these Terms of Service.

1. Website Use

You may use this website only for lawful, legitimate purposes.
You agree not to:

  • Submit false contact or quote information

  • Attempt to compromise site security

  • Copy or redistribute website content without permission

  • Misrepresent your identity or intent

2. Insurance Quotes & Applications

i.Quotes Are Estimates Only

  • Auto

  • Home

  • Umbrella

  • Commercial liability

  • Workers compensation

  • Commercial auto

  • Property

  • Specialty or industry-specific policies

—are non-binding estimates.

Coverage is not guaranteed until:

1: All necessary information is submitted

2: The carrier completes underwriting

3: A policy is issued and payment is received

2A. Reliance on Client-Provided Information

Quotes, coverage evaluations, and recommendations are based on information provided by the client or prospect. Wasatch Preferred does not independently verify all submitted information. Inaccurate, incomplete, or outdated information may result in changes to pricing, coverage, eligibility, underwriting outcomes, or denial of claims.

3. Multi-State Licensing

Wasatch Preferred is licensed across multiple states and is expanding.

Services are only provided in states where the agency and its agents hold active licenses at the time of service.

4. Electronic Communication Consent

By submitting any form on our site, you consent to receive:

  • Emails

  • Text messages

  • Phone calls

  • Automated reminders

  • Renewal notifications

  • Marketing communications

You may opt out at any time.

5. Third-Party Websites

We are not responsible for:

  • Content

  • Accuracy

  • Security

  • Practices

of any third-party sites linked from our platform.

6. Intellectual Property

All content, including branding, text, graphics, and media, is the property of Wasatch Preferred and protected by intellectual property laws.

7. Limitation of Liability

Wasatch Preferred is not liable for:

  • Carrier decisions

  • Underwriting outcomes

  • Rate changes

  • Lapses caused by failure to pay

  • Third-party errors

  • Website downtime

  • Indirect, incidental, or consequential damages

Insurance carriers maintain full authority over approvals, pricing, coverage, and issuance.

7A. Client Duty to Notify of Changes

Clients are responsible for promptly notifying Wasatch Preferred of any material changes to operations, exposures, assets, vehicles, properties, payroll, ownership, or risk characteristics. Failure to disclose material changes may impact coverage, underwriting decisions, premiums, or claims outcomes.

Wasatch Preferred does not guarantee that coverage recommendations will fully address all risks or prevent loss.

8. CEPA & Advisory Disclaimer

Wasatch Preferred may provide:

  • Risk analysis

  • Business value insights

  • Coverage recommendations

  • Strategic planning support

These services do not constitute legal, financial, or tax advice and should be reviewed with appropriate licensed professionals.

9. Termination

We reserve the right to restrict or terminate website access at any time.

10. Governing Law

These Terms are governed by the laws of the State of Utah.

11. Contact Information

Insurance products are offered through Wasatch Preferred. Coverage availability and eligibility vary by carrier and state. CEPA advisory services are provided in a non-fiduciary, non-investment advisory capacity and do not include legal, tax, or investment advice. Insurance services are provided by properly licensed agents. Licensure information is available upon request and varies by state.

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