Privacy Policy

Effective Date: 01/01/2026
Company: Morgan Contracting & Consulting Llc D.B.A. Detroit Financial ServicesLlc (DFS)

Detroit Financial Services (“DFS,” “we,” “our,” or “us”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, and share your information when you interact with our website, services, and communications

1. Information We Collect

We collect personal information necessary to provide insurance, financial, and advisory services.

A. Information You Provide

  • Full name, address, phone number, email

  • Date of birth and demographic details

  • Social Security Number (when required for underwriting or financial services)

  • Insurance and financial information (coverage needs, income, assets, beneficiaries, etc.)

  • Employment and employer-related information (for group benefits)

B. Automatically Collected Information

  • IP address and device/browser data

  • Website interaction data

  • Cookies and tracking technologies

C. Communication & Consent Data

  • Records of calls, emails, SMS/text messages, and voicemails

  • Documentation of consent for communications (including SMS opt-in records)

2. How We Use Your Information

We use your personal information to:

  • Provide insurance quotes, policies, and financial services

  • Facilitate underwriting, enrollment, and claims support

  • Communicate regarding your accounts, services, or inquiries

  • Send appointment reminders and service notifications

  • Deliver marketing communications (only where legally permitted and consented)

  • Maintain compliance with regulatory and licensing requirements

  • Improve our services, systems, and user experience

3. SMS/Text Messaging and Consent

By providing your phone number and opting in, you agree to receive SMS/text messages from DFS related to:

  • Appointment reminders

  • Policy updates and service notifications

  • Customer support communications

Message frequency may vary. Message and data rates may apply.

You may opt out at any time by replying “STOP.” For assistance, reply “HELP.”

4. Sharing of Personal Information

We limit sharing of your personal information to what is necessary. We do not otherwise sell or share your information:

A. Service Providers and Carriers

  • Insurance carriers, underwriting partners, and benefit administrators

  • Technology providers (CRM, communication platforms, secure storage)

B. Regulatory and Legal Requirements

  • Government agencies, regulators, or legal authorities as required by law

  • Compliance with subpoenas, audits, and regulatory oversight

C. Business Transactions

  • In connection with mergers, acquisitions, or asset transfers

5. SMS Opt-In Data Protection

No mobile opt-in or text message consent will be shared with third parties or affiliates for marketing purposes.

6. Data Security

We implement administrative, technical, and physical safeguards designed to:

  • Protect against unauthorized access, disclosure, or misuse

  • Maintain data integrity and confidentiality

  • Align with industry standards for financial and insurance data protection

7. Data Retention Policy

DFS retains personal information only as long as necessary to fulfill business and legal obligations:

  • Client and policy data: Retained for the duration of the client relationship plus 5–10 years to comply with insurance, tax, and regulatory requirements

  • Financial and investment records: Retained in accordance with Financial Industry Regulatory Authority (FINRA) and Securities and Exchange Commission (SEC) requirements (typically 6+ years)

  • Communication records (including SMS): Retained for compliance, audit, and dispute resolution purposes

  • Website analytics data: Retained for a limited duration unless required for security or compliance

When no longer required, data is securely deleted or anonymized.

8. CCPA and State Privacy Rights (Including California Residents)

If you are a resident of California or other applicable states, you may have the following rights:

  • Right to Know: Request disclosure of personal information collected, used, or shared

  • Right to Delete: Request deletion of your personal information (subject to legal exceptions)

  • Right to Correct: Request correction of inaccurate information

  • Right to Opt-Out of Sale/Sharing: DFS does not sell personal information

  • Right to Non-Discrimination: You will not be discriminated against for exercising your rights

To exercise these rights, contact us using the information below. Identity verification may be required.

9. FINRA/SEC-Aligned Privacy Practices

As a financial services provider, DFS adheres to privacy and recordkeeping expectations consistent with regulatory frameworks established by:

  • Financial Industry Regulatory Authority

  • Securities and Exchange Commission

This includes:

  • Maintaining accurate books and records of client interactions

  • Supervising communications related to financial products

  • Preserving required documentation for audit and regulatory review

  • Protecting non-public personal information in accordance with Regulation S-P

10. Health Information (HIPAA-Adjacent Considerations)

While DFS is not a healthcare provider, we may collect health-related information in connection with insurance applications.

We take reasonable steps to:

  • Limit collection of health information to what is necessary

  • Share such information only with authorized carriers and underwriting entities

  • Protect sensitive data using appropriate safeguards

Where applicable, we align practices with principles similar to those under Health Insurance Portability and Accountability Act (HIPAA), though DFS may not be a covered entity.

11. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Improve website functionality

  • Analyze user behavior

  • Enhance user experience

You may disable cookies via your browser settings; however, some features may be limited.

12. Third-Party Links

Our website may include links to third-party sites. DFS is not responsible for their privacy practices.

13. Updates to This Policy

We may update this Privacy Policy periodically. Changes will be reflected with an updated effective date.

14. Contact Information

For questions or to exercise your privacy rights, contact:

Detroit Financial Services
Email: info@DetroitFinServ.net
Phone: 313-450-4554
Website: www.detroitfinserv.net