Privacy Policy

Desert Rock Capital, Inc. (“Desert Rock Capital,” “we,” “us,” or “our”) is a Utah-licensed consumer lender. We are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy describes what information we collect, how we use it, with whom we share it, and your choices regarding that information.

This Privacy Policy applies to all individuals who visit our website at www.desertrockcapital.com (the “Website”), submit a loan application, receive a loan, or otherwise interact with us.

By using our Website or services, you acknowledge and agree to the practices described in this Privacy Policy.

This Privacy Policy is incorporated into and forms part of our Terms of Service. If there is a conflict between this Privacy Policy and any other agreement you have with us, your loan agreement shall control with respect to your loan, and this Privacy Policy shall control with respect to website use and data practices.

2.1 Information You Provide to Us

We collect nonpublic personal information (“NPI”) that you voluntarily provide when you apply for a loan, create an account, contact us, or otherwise interact with our services.

• Full name, date of birth, and Social Security number
• Home address, email address, and telephone numbers
• Employment information including employer name, income, and position
• Financial information including bank account details and income
• Government-issued identification details
• Military service status
• References and emergency contact information
• Information submitted through loan applications or forms

2.2 Information We Collect Automatically

• IP address, browser type, operating system, and device information
• Pages viewed, links clicked, and time spent
• Referring URLs and search terms
• Cookies and tracking technologies

2.3 Information We Obtain from Third Parties

• Public records databases
• Employment and income verification services
• Identity verification and fraud prevention services
• Military status verification databases
• Bankruptcy monitoring services
• Skip tracing and data enrichment providers
• Other sources permitted by law

We use your personal information for business purposes including:

• Evaluating loan applications and creditworthiness
• Originating, servicing, and administering loans
• Processing payments and maintaining account records
• Communicating account updates and reminders
• Collecting delinquent accounts
• Verifying identity, employment, and preventing fraud
• Complying with laws and regulations
• Improving our website and services
• Responding to customer inquiries
• Sending marketing communications if opted in

Desert Rock Capital does not sell your personal information. We may share information with vendors, service providers, and legal authorities as required to operate our business or comply with law.

We may share information with:

• Loan servicing platform providers
• Payment processing providers
• Identity verification providers
• Legal and court service providers
• Cloud storage and analytics providers
• Marketing and communication providers

We do NOT:

• Sell personal information
• Share data with third parties for independent marketing
• Rent or lease personal information
• Provide data to credit reporting agencies related to loans

Mobile opt-in data and consent will not be shared with third parties for marketing purposes.

You may receive messages including:

• Payment reminders and confirmations
• Account alerts and servicing messages
• Collections communications
• Promotional messages if opted in

You may opt out anytime by replying STOP or contacting us directly.

We maintain physical, electronic, and procedural safeguards to protect your personal information.

• Encrypted communications
• Access controls and employee authorization
• Vendor confidentiality agreements
• Employee privacy training
• Secure facilities and storage
• Regular security testing and updates

While we use reasonable security measures, no system is completely secure.

You may exercise your rights by contacting us.

• Opt out of information sharing
• Opt out of marketing communications
• Request access to your personal data
• Request corrections to inaccurate data
• Revoke communication consent

We use cookies and tracking technologies to enhance website functionality.

• Strictly necessary cookies
• Analytics cookies
• Functionality cookies

You may manage cookie preferences through your browser settings.

Our services are not directed to individuals under age 18. We do not knowingly collect personal information from minors.

We may update this Privacy Policy at any time. Changes will be posted on this page.

Desert Rock Capital, Inc.

Attn: Privacy Department

168 N 100 E #250, St. George, UT 84770

Phone: (801) 377-3333

Email: help@desertrockcapital.com

This Privacy Policy serves as Desert Rock Capital’s notice under the Gramm-Leach-Bliley Act and applicable regulations.

We collect and disclose nonpublic personal information only as described in this Privacy Policy and as permitted or required by law.