Privacy Policy
How Catalyst Mortgage Protection, operated by Catalyst Mortgage Protection ("Catalyst," "we," "us"), collects, uses and protects your information. We never sell it. Effective and last updated: October 6, 2026.
The short version
- We never sell, rent or trade your personal information. We do not sell it, and we do not share it with other agencies, lead buyers or marketers.
- We use what you give us to prepare your insurance quote, help you apply, and service your policy.
- We share it only with the insurance company you ask us to get a quote or policy from, with service providers that run our systems under contract, and when the law requires.
- You can stop calls and texts at any time. Reply STOP to any text, or tell us on a call.
- You can ask us to access, correct or delete your information by emailing or calling us.
Who we are
Catalyst Mortgage Protection is an independent life insurance agency operated by Catalyst Mortgage Protection in Lehi, Utah, working through licensed life insurance agents. We are licensed in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin and Wyoming. This policy covers mortgageprotection-catalyst.com and the quotes, calls and messages connected to it.
What we collect
We collect only what we need to quote, place and service insurance.
Information you give us
- Contact details: first and last name, phone number, email address, street address, city, state and ZIP code.
- Quote details: the coverage you are interested in, coverage amount, term length, mortgage balance and years remaining, budget, who the coverage is for, and similar answers.
- Sensitive information: date of birth or age range, gender, tobacco or nicotine use, and health conditions you choose to check on our quote form. We treat these as sensitive and use them only to prepare your quote and application.
- Communications: what you tell us by phone, text, email or a scheduling tool, including call recordings if we tell you a call is recorded.
Information collected automatically
- Device and browser information, IP address, approximate location derived from your IP address, pages visited, the page that referred you, and advertising click identifiers such as UTM, gclid and fbclid parameters.
- Cookies and similar technologies described in the Cookies and tools section below.
Information from others
When you apply, insurance companies may obtain reports such as prescription history, MIB records, motor vehicle records and medical records with your authorization. Those reports are governed by the insurer's own notices and the authorization you sign.
How we use it
- Prepare and deliver insurance quotes and compare carriers for you.
- Help you apply for coverage with the insurer you choose, and service the policy afterward.
- Contact you by phone, text and email about your quote request and related insurance products and services, as described in Calls and texts below.
- Verify that a phone number or email address is valid, and prevent fraud, spam and abuse.
- Measure and improve our website and advertising using aggregate or pseudonymous data.
- Meet legal, regulatory, licensing and record-keeping obligations.
Your information is not used to train artificial intelligence models, by us or, to our knowledge, by our service providers on our behalf.
Who we share it with
We share personal information only in these situations:
- Insurance companies you ask us to work with, to obtain quotes and submit and service your application.
- Service providers under contract that host our website, deliver our form submissions, verify phone numbers and email addresses, provide scheduling and communications tools, and measure advertising. They may use the information only to provide services to us.
- Legal requirements: to comply with law, regulation, subpoena or a request from an insurance regulator, or to protect rights and safety.
- Sale of the agency: if Catalyst's business is sold or transferred, your information may transfer to the successor, which must honor this policy.
- With your permission for any other purpose.
We do not sell your personal information, we do not share it with other agencies, lead buyers or unaffiliated companies for their own marketing, Our website uses the Meta Pixel to measure our ads and to show our ads to people who visited our site, as described below; you can opt out with Global Privacy Control or your ad settings. Health, tobacco, date-of-birth and gender answers are never sent to advertising platforms.
As an insurance producer, we are subject to the Gramm-Leach-Bliley Act and state insurance privacy laws. The insurer that issues your policy will also give you its own privacy notice.
Calls and texts
If you give us your phone number on a quote form and agree to our consent disclosure, Catalyst Mortgage Protection may call and text you about your insurance quote and related insurance products and services, including with automated technology and artificial or prerecorded voice messages. Consent is not a condition of purchase; you can always call us instead at (771) 249-3377.
- Opting out: reply STOP, CANCEL, END, QUIT, UNSUBSCRIBE, REVOKE or OPT OUT to any text, tell us on a call, or email us. We honor opt-out requests made by any reasonable means promptly and within the time the law requires.
- Help: reply HELP to any text, or call or email us.
- Message frequency varies. Message and data rates may apply.
- Mobile information is never shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties, except service providers that deliver our messages.
- Carriers are not liable for delayed or undelivered messages.
Do Not Call
We maintain an internal Do Not Call list. If you ask us not to call or text you, we add your number and honor the request for ten years, which meets or exceeds federal rules and state requirements such as Virginia's. We check numbers against the National Do Not Call Registry and applicable state lists before marketing calls unless you have given us consent or have an established business relationship with us, and we follow federal and state calling-hour rules.
Cookies and tools
Our website uses the following service providers and technologies.
| Provider | Purpose | Data involved |
|---|---|---|
| Vercel | Website hosting and delivery | IP address, request logs |
| Zapier | Delivers form submissions to our team | The information you submit on our forms |
| AbstractAPI | Checks that a phone number or email address is valid | The phone number or email address you enter |
| Google Maps Platform (Places) | Address autocomplete on the quote form; map on our contact page | Address text you type, IP address |
| ipapi | Approximate location to show state-specific information | IP address |
| Meta Pixel (Meta Platforms) | Measures visits and completed quote requests from our ads, and may be used to show our ads to people who visited our site | Page views, a quote-request event with the product type (for example, term life), cookie and device identifiers. Automatic form and button capture is turned off, so your form answers are not sent |
| Calendly | Lets you book a call with us | Name, email and any details you enter |
| Google Fonts | Displays our fonts | IP address |
You can block or delete cookies in your browser settings; the site will still work. We honor Global Privacy Control (GPC) signals as an opt-out of any sale or sharing of personal information for targeted advertising where state law requires it. Most browsers also send a Do Not Track signal; because there is no common standard for it, we treat GPC as the operative signal. You can also limit ad tracking in your Meta account settings and your device settings.
Security
We use reasonable administrative, technical and physical safeguards designed to protect personal information, consistent with the size of our business and applicable insurance data security rules. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. If a breach affects your information, we will notify you as the law requires.
How long we keep it
We keep personal information as long as needed to provide quotes and service, maintain records required by insurance regulators, resolve disputes and enforce agreements, and then delete or de-identify it. Quote requests that do not result in a policy are generally deleted within three years, except that records of your consent to calls and texts are kept for five years, and Do Not Call requests for ten years, as federal rules require or recommend.
Your rights
Wherever you live, you may ask us to:
- Access the personal information we hold about you;
- Correct information that is inaccurate;
- Delete your information, subject to legal record-keeping requirements;
- Opt out of marketing calls, texts and emails, and of any sale or targeted-advertising sharing.
To make a request, call (771) 249-3377. We will verify your identity by matching information you previously gave us and respond generally within 45 days, with one extension where the law allows. You may use an authorized agent, who must provide your signed permission. We will not discriminate against you for exercising your rights.
Depending on where you live, state laws such as those in California, Colorado, Oregon, Minnesota, Texas, Virginia, Utah and other states may give you additional rights. Many of those laws exempt information covered by the Gramm-Leach-Bliley Act; we honor these requests regardless. Washington and Nevada residents should also read our Consumer Health Data Privacy Policy.
Appeals
If we decline your request, you may appeal by calling (771) 249-3377 with the request "Privacy Appeal." We will respond in writing within 45 days. If you disagree with our decision, you may contact your state attorney general or insurance department.
Children
This website is not directed to anyone under 18, and we do not knowingly collect information from minors through it. If you believe a minor has submitted information, contact us and we will delete it. Information about a minor who is a proposed insured or beneficiary is collected from the parent or guardian applying for coverage.
Third-party links
Our site links to carriers, regulators and other websites. Their privacy practices are governed by their own policies.
Changes to this policy
We may update this policy. The effective date at the top shows the latest version, and material changes will be noted on this page. Continued use of the site after an update means the updated policy applies going forward.
Contact us
Questions or requests about this policy:
Catalyst Mortgage Protection, Lehi, Utah
Phone: (771) 249-3377