Last updated February 16, 2026
These Terms of Service (“Terms”) govern your access to and use of the website located at www.desertrockcapital.com (the “Website”) and all related services provided by Desert Rock Capital, Inc. (“Desert Rock Capital,” “Company,” “we,” “us,” or “our”), a Utah-licensed consumer lender.
By accessing or using the Website, submitting a loan application, or receiving any services from Desert Rock Capital, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
If you do not agree to these Terms, you must not access or use the Website or our services.
If you receive a loan from us, the specific terms of your loan are governed by your Consumer Fixed Rate Note and Disclosure Statement (“Loan Agreement”). In case of conflict, the Loan Agreement controls.
To use our Website and services, you must be at least eighteen (18) years of age, a legal resident of the United States, and capable of forming a binding contract under applicable law.
By using the Website or submitting a loan application, you represent and warrant that you meet these eligibility requirements.
3.1 Permitted Use
You may use the Website solely for lawful purposes related to accessing information, submitting applications, managing accounts, and making payments.
You agree not to:
3.2 Account Security
You are responsible for maintaining the confidentiality of your login credentials and all activities under your account.
Notify us immediately at help@desertrockcapital.com of unauthorized access.
3.3 Accuracy of Information
You agree that all information you provide is true, accurate, and complete. Providing false information may result in denial of services or legal consequences.
Desert Rock Capital may contact you by phone, SMS, email, AI voice calls, or mail using the contact information you provide.
Types of communications include:
Consent is obtained in compliance with the Telephone Consumer Protection Act (TCPA) and applicable regulations.
Any disputes arising out of these Terms, the Website, or services shall be resolved through binding arbitration rather than court litigation.
Arbitration shall be governed by the Federal Arbitration Act and administered by the American Arbitration Association (AAA).
The arbitrator’s decision shall be final, binding, and enforceable.
You agree that all claims shall be brought only in your individual capacity and not as part of a class action.
The arbitrator may not consolidate claims or conduct class proceedings.
You knowingly and voluntarily waive the right to a trial by jury for any claims arising under these Terms.
These Terms shall be governed by the laws of the State of Utah.
Any disputes not subject to arbitration shall be resolved in Utah County, Utah.
All content on the Website is owned by Desert Rock Capital and protected by intellectual property laws.
You may not copy, modify, distribute, or use content without permission.
The Website is provided on an 'AS IS' and 'AS AVAILABLE' basis without warranties of any kind.
Desert Rock Capital shall not be liable for indirect, incidental, or consequential damages.
Total liability shall not exceed $100 unless otherwise required by law.
You agree to indemnify and hold Desert Rock Capital harmless from claims arising from your use of the Website or violation of these Terms.
We are not responsible for third-party websites linked from our Website.
We reserve the right to modify these Terms at any time.
Continued use of the Website constitutes acceptance of updated Terms.
If any provision is found unenforceable, remaining provisions remain valid.
These Terms, Privacy Policy, and Loan Agreement constitute the entire agreement.
Failure to enforce rights does not constitute waiver.
Desert Rock Capital may assign these Terms without restriction.
If you have complaints:
Desert Rock Capital, Inc.
168 N 100 E #250, St. George, UT 84770
Phone: (801) 377-3333
Email: help@desertrockcapital.com
Website: www.desertrockcapital.com
