Terms & Conditions

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

By accessing or using the Detroit Financial Services (“DFS,” “we,” “our,” or “us”) website, services, or communications, you agree to the following Terms & Conditions. If you do not agree, please do not use our services.

1. Use of Services

DFS provides insurance, financial, and advisory services, including but not limited to:

  • Life, health, Medicare, and property & casualty insurance

  • Retirement and financial planning services

  • Employee benefits consulting

All information provided is for general informational purposes and should not be considered legal, tax, or investment advice.

2. No Guarantee of Coverage or Results

Submission of information or receipt of a quote does not guarantee:

  • Approval for insurance coverage

  • Specific pricing or underwriting outcomes

  • Financial or investment performance

All insurance and financial products are subject to carrier underwriting guidelines and regulatory approval.

3. User Responsibilities

By using our services, you agree to:

  • Provide accurate and complete information

  • Update information as necessary

  • Use our services only for lawful purposes

Providing false or misleading information may result in denial of services or coverage.

4. Communications Consent

By submitting your contact information through our website or other channels, you consent to be contacted by DFS via:

  • Phone calls

  • Email

  • SMS/text messaging

These communications may include responses to inquiries, appointment reminders, policy updates, and service notifications.

5. SMS/Text Messaging Terms (A2P Compliance)

By providing your phone number and opting in, you consent to receive SMS/text messages from Detroit Financial Services (DFS). These messages may include:

  • Conversational messages (e.g., responses to inquiries, follow-ups)

  • Informational messages (e.g., appointment reminders, policy updates, service notifications)

  • Promotional messages (e.g., product offerings, insurance coverage options, financial services, and sales-related communications, where applicable and consented)

5A. Consent for SMS Communication

By opting in to receive SMS messages, you agree to receive SMS communications from Detroit Financial Services.

Phone numbers obtained during the SMS consent process will not be shared with third parties for marketing purposes. This ensures your information is used solely for communication related to our services.

We may obtain consent through:

  • Website form submissions (including SMS consent checkbox)

  • Verbal consent during phone or in-person interactions

When verbal consent is obtained, we inform customers that SMS may be used to send important updates such as support responses, service notifications, or follow-ups. This process ensures awareness and agreement in compliance with applicable communication regulations.

5B. Types of SMS Communications

By opting in, you may receive SMS messages related to:

  • Customer care and support

  • Appointment reminders

  • Policy updates and service notifications

  • Follow-ups regarding inquiries or services

  • Relevant insurance and financial service communications, where consent has been provided

5C. Message Frequency

Message frequency may vary depending on your interaction with Detroit Financial Services and the type of communication.

5D. Potential Fees for SMS Messaging

Standard message and data rates may apply, depending on your mobile carrier’s pricing plan. Charges may vary for domestic and international messages.

5E. Opt-In Methods

You may opt in to receive SMS messages through:

  • Website forms with SMS consent checkbox

    • By checking the SMS Opt-in box, you consent to receive SMS Customer Care messages from Detroit Financial Services at the phone number you provide. The SMS frequency may vary. Data rates may apply. Reply STOP to opt-out. For assistance, text HELP or visit our website at www.detroitfinserv.net. Or visit our Privacy Policy or Terms & Conditions. Opt-in will not share or sell your information.

  • Verbal consent provided during conversations with DFS representatives

5F. Opt-Out Instructions

You may opt out at any time by replying “STOP” to any SMS message.

Alternatively, you may contact us directly at:
313-450-4554
info@detroitfinserv.net

5G. Help Instructions

For assistance, reply “HELP” to any message or contact us directly using the information above.

5H. Additional Options

If you do not wish to receive SMS messages, you may choose not to provide consent through our forms or decline verbal opt-in when requested.

5I. Standard Messaging Disclosures

  • Message and data rates may apply

  • Message frequency may vary

  • You can opt out at any time by texting “STOP”

  • For assistance, text “HELP”

  • Visit Privacy Policy to view our Privacy Policy and Terms & Conditions

5J. Data Sharing Limitation

No mobile opt-in or text message consent will be shared with third parties or affiliates, unless required for the application process pursuant to applying for coverage or account setup.


6. Privacy

Your use of our services is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.

7. Financial Services & Regulatory Disclosures

DFS operates as a licensed insurance brokerage and financial services provider. Certain products and services may be offered through affiliated entities or broker-dealers.

  • Insurance products are not guaranteed and may involve risk

  • Investment products are not FDIC insured, are not bank guaranteed, and may lose value

  • Securities-related services, where applicable, are subject to oversight by entities such as the Financial Industry Regulatory Authority and the Securities and Exchange Commission

8. Intellectual Property

All website content, including text, graphics, logos, and materials, is the property of DFS and may not be copied, reproduced, or distributed without permission.

9. Limitation of Liability

To the fullest extent permitted by law, DFS is not liable for:

  • Any indirect, incidental, or consequential damages

  • Errors or omissions in content

  • Decisions made based on information provided through our services

10. Third-Party Services

DFS may utilize third-party providers (e.g., carriers, CRM systems, communication platforms). We are not responsible for the performance or policies of these third parties.

11. Termination of Use

We reserve the right to restrict or terminate access to our services at any time for misuse, non-compliance, or unlawful activity.

12. Governing Law

These Terms & Conditions are governed by the laws of the State of Michigan, without regard to conflict of law principles.

13. Changes to Terms

DFS may update these Terms & Conditions at any time. Updates will be posted with a revised effective date.

14. Contact Information

For questions regarding these Terms & Conditions:


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