At Spherica, Inc., Spherica LLC, Dearden & Associates, Inc. Insurance Group, and their other affiliated companies, protecting your privacy and personal health information (PHI) is serious business. We want you to understand what information we collect and how we use it. This notice describes our privacy policy. By visiting the website, and/or the websites of any of our affiliated entities, you are accepting the practices described in this privacy notice.

What Information We Collect and From Whom We Collect It

We may collect non-public personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates, or others; and
  • Information we receive from non-affiliated third parties, including consumer reporting agencies.

In addition, we may use “cookies” (small text files transferred from our website to your hard drive) to recognize repeat users, track usage, and facilitate your access to and use of the site. We do not use “cookies” to gather personal information and we do not link “cookies” to identifiable information, such as a policy number. The “cookies” only enable you to use our website more easily.

“Non-public personal information” is non-public information about you that we obtain in connection with providing a financial product or service to you.

Non-affiliated Third Parties to Whom Disclosures May Be Made

Information about our customers is an important part of our business, and we are not in the business of selling it to others. We share customer information only as described below and with subsidiaries or affiliates that Spherica and Dearden & Associates Insurance Group control that either are subject to this privacy policy or follow practices at as protective as those described in this privacy notice.

We may disclose non-public personal information about you, such as we have described above, to insurance companies, general agencies, and other insurance-related entities that perform marketing services on our behalf or with whom we have joint marketing agreements.

We may also disclose non-public information about you to non-affiliated third parties as permitted by law, such as when required to do so by a court order or subpoena.

Our Security Procedures

We restrict access to your non-public personal information and only allow disclosures to persons and companies as permitted by law to assist in providing products or services to you. We maintain physical, electronic, and procedural safeguards to protect your non-public personal information.

Conditions of Use, Notices, and Revisions

If you choose to visit and/or the websites of any affiliated entities, your visit and any dispute over privacy is subject to this notice and our conditions of use, including limitations on damages, arbitration of disputes, and application of the law of the state of Utah. If you have any concern about privacy at and/or the websites of any affiliated entities, please send a thorough description to and we will try to resolve it.

Our business changes constantly, and our privacy notice and the conditions of use will change also. You should check our website frequently to see recent changes. Unless stated otherwise, our current privacy notice applies to all information that we have about you and your account. We stand behind the promises we make, however, and will never materially change our policies and practices to make them less protective or customer information collected in the past without the consent of affected customers.

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