Privacy Policy
Effective Date: 04/22/2026
Caliber Coverage, a DBA of Raff Enterprises LLC (“Caliber Coverage,” “Company,” “we,” “our,” or “us”), respects your privacy and is committed to protecting the information you provide when you use our website, forms, chat features, scheduling tools, and communication channels.
This Privacy Policy explains what information we collect, how we use it, and the choices available to you.
1. Information We Collect
A. Information You Provide to Us
We may collect personal information that you voluntarily provide, including:
- Name
- Email address
- Phone number
- Mailing address
- Information submitted through website forms, chat widgets, calendar booking tools, or direct communications
In connection with insurance-related inquiries or services, we may also collect additional information you choose to provide, such as:
- Date of birth
- Property, vehicle, or household information
- Insurance history
- Other information relevant to your request for insurance-related assistance
We do not ask our automated website tools to collect driver’s license numbers by text message unless specifically required through a secure, direct process.
B. Information Collected Automatically
When you use our website, we may automatically collect certain technical information, including:
- IP address
- Browser type
- Device type
- Pages viewed
- Time spent on pages
- Referral source and general site activity
C. Cookies and Similar Technologies
We may use cookies and similar technologies to:
- Operate and improve our website
- Understand website usage
- Support analytics and advertising efforts
You can manage cookies through your browser settings.
2. How We Use Information
We may use your information to:
- Respond to inquiries
- Provide insurance-related assistance
- Follow up on quote requests or service requests
- Schedule appointments and send reminders
- Send service-related communications
- Send marketing communications if you have provided the appropriate consent
- Improve our website, communications, and customer experience
- Maintain internal records and comply with legal obligations
3. SMS and Communication Consent
By providing your contact information through our website, forms, chat tools, or other communication channels, you may consent to receive communications from Caliber Coverage, including:
- Phone calls
- Text messages (SMS), including automated text messages where permitted by law
- Emails
These communications may include:
- Quote follow-ups
- Appointment reminders
- Service updates
- Requested information
- Occasional marketing or promotional messages, if you opt in to receive them
Message frequency may vary. Message and data rates may apply.
You can opt out of text messages at any time by replying STOP.
You can request help by replying HELP or by contacting us using the contact information below.
You may unsubscribe from marketing emails by using the unsubscribe link in the email.
Consent to receive marketing text messages is not a condition of purchase.
4. How SMS Opt-In Information Is Handled
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
Information sharing to subcontractors, service providers, or vendors that support our business operations, such as customer service, CRM, hosting, analytics, or messaging platform services, is permitted only as necessary to provide our services.
All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties except as required to deliver text messaging services, comply with law, or protect our rights.
5. Service Providers
We use internal systems and trusted service providers solely to support our operations and deliver our services. These providers may assist with services such as:
- Customer relationship management
- Website hosting
- Appointment scheduling
- Messaging and communication delivery
- Analytics and performance monitoring
These providers are permitted to access information only as needed to perform services for us and not for their own marketing or promotional purposes.
6. Call Recording and Communication Monitoring
Phone calls and other communications may be monitored or recorded where permitted by law for purposes including:
- Quality assurance
- Training
- Compliance
- Dispute resolution
By communicating with us, you acknowledge and consent to such monitoring or recording where allowed by law.
7. Data Retention
We retain information for as long as reasonably necessary to:
- Provide requested services
- Maintain business and communication records
- Comply with legal, regulatory, tax, or contractual obligations
- Resolve disputes
- Enforce our agreements
8. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.
9. Your Choices and Rights
Subject to applicable law, you may request to:
- Access certain personal information we hold about you
- Correct inaccurate information
- Request deletion of certain information
- Opt out of marketing communications
To make a request, contact us using the information below.
10. Children’s Privacy
Our website and services are not directed to children under 18, and we do not knowingly collect personal information from children under 18.
11. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any updates will be posted on this page with a revised effective date.
13. Contact Information
Raff Enterprises LLC
DBA Caliber Coverage
848 N 300 E
Orem, UT 84057
Email: [email protected]
Website: https://calibercoverage.com
If you have questions about this Privacy Policy or our communications practices, please contact us at the email address above.