Insurance Terms & Conditions
These Terms & Conditions apply specifically to insurance-related services provided by DR&V Financial Services LLC (“the Company”).
For general website usage, electronic communications, and SMS/WhatsApp terms, please refer to our main Terms & Conditions.
Role of the Company
DR&V Financial Services LLC acts as an independent intermediary, assisting clients in obtaining insurance products from licensed third-party insurance carriers.
We are not the insurer and do not underwrite insurance policies.
DR&V Financial Services LLC does not provide legal, tax, or financial advisory services. Clients are encouraged to consult with licensed professionals for independent advice.
No Guarantee of Approval
All insurance applications are subject to underwriting guidelines established by the insurance carriers.
Approval, coverage, premiums, and benefits are not guaranteed and may vary based on individual circumstances.
Third-Party Providers
All insurance products are offered through third-party insurance companies.
These providers are solely responsible for:
- Policy issuance
- Coverage terms
- Claims handling
- Policy servicing
Accuracy of Information
You agree to provide accurate, complete, and truthful information when requesting insurance quotes or submitting applications.
Providing false or misleading information may result in denial of coverage or cancellation of a policy.
The Company is not responsible for errors resulting from incorrect or incomplete information provided by the client.
No Professional Liability
DR&V Financial Services LLC is not liable for:
- Decisions made by insurance carriers
- Denial of coverage
- Changes in pricing or benefits
- Policy cancellations by third-party providers
Limitation of Liability
To the fullest extent permitted by law, DR&V Financial Services LLC shall not be held liable for any direct, indirect, incidental, or consequential damages arising from the use of our services.
Service Availability
Our services are subject to availability and may vary by state, carrier, and eligibility requirements.
Changes to Terms
We reserve the right to update or modify these Terms & Conditions at any time without prior notice.
Relationship with Main Terms
These terms are supplemental to our main Terms & Conditions.
All digital communications, including website usage, SMS, and WhatsApp communications, are governed by the main Terms & Conditions.
Contact Information
DR&V Financial Services LLC
Email: drvfinancials@aol.com
Phone: (954) 654-0297