Effective date: May 14, 2026
1. Important notice
The information published on this website is intended for general educational purposes only. It is not a recommendation to buy any specific annuity or insurance product, and it is not personalized investment, tax, or legal advice. Every individual's situation is different, and you should consult with a qualified professional before making any financial decision.
DLV Financial, LLC ("DLV Financial," "we," "us," or "our") is a financial planning firm and independent insurance agency. We are not a registered investment advisor or broker-dealer. We do not provide investment, securities, tax, or legal advice.
2. Annuity disclosures
Annuities are insurance products. They are not bank deposits, are not FDIC- or NCUA-insured, and are not guaranteed by any bank or government agency. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Annuity products and product features vary by state. Some products may not be available in your state of residence. Carrier ratings, where shown on this website, reflect the rating agency's assessment as of the most recent review and are subject to change.
3. State licensing
Insurance services through DLV Financial are provided by individually licensed insurance professionals. Our team members are currently licensed in Texas, Connecticut, Massachusetts, Ohio, and Florida. We can only assist residents of states in which one of our team members holds a current insurance license. If you reside in a state where none of our team members is licensed, we will not be able to assist you with a product application.
4. Use of this website
You may use this website for personal, non-commercial purposes related to learning about DLV Financial and the services we offer. You agree not to:
- Use this website in any way that violates applicable law.
- Attempt to gain unauthorized access to any part of this website, our systems, or the accounts of other users.
- Interfere with or disrupt the operation of the website or the servers and networks that host it.
- Use automated tools to scrape, copy, or extract content from this website without our prior written permission.
- Submit false or misleading information through any form on this website.
5. Intellectual property
All content on this website, including text, images, logos, graphics, and design elements, is owned by or licensed to DLV Financial and is protected by United States and international copyright laws.
"DLV Financial" and the DLV Financial logo are trademarks of DLV Financial, LLC. Other trademarks, including those of insurance carriers and of colleges and universities shown on this website, are the property of their respective owners. Their inclusion does not imply any affiliation with, or endorsement of DLV Financial by, those carriers or institutions.
You may not copy, reproduce, modify, distribute, transmit, display, or use any content from this website for commercial purposes without our prior written permission.
6. Third-party content and links
This website may contain links to third-party websites, including carrier websites and informational resources. We do not control these third-party sites and are not responsible for their content, privacy practices, or accuracy. Following such links is at your own risk.
Some pages also embed tools operated by third parties, such as the college planning report tool provided by Collegiate Funding Solutions and the scheduling calendar provided by Calendly. Information you enter into an embedded tool is submitted to the company that operates it and is handled under their terms and privacy practices as well as ours. We do not control those tools and are not responsible for their content or accuracy. Using them is optional and is at your own risk. Our Privacy Policy lists the third-party services currently in use.
7. Disclaimer of warranties
The website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, secure, or free from viruses or other harmful components. While we strive for accuracy, information on this website may contain errors, omissions, or out-of-date material.
8. Limitation of liability
To the fullest extent permitted by applicable law, DLV Financial and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website, including but not limited to loss of profits, data, or use, even if we have been advised of the possibility of such damages.
9. Governing law and dispute resolution
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles.
Binding arbitration. Except for the limited claims described below, any dispute, claim, or controversy arising out of or relating to these Terms, this website, or your interactions with DLV Financial that cannot be resolved through good-faith discussion shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration shall take place in Harris County, Texas, unless you and we agree otherwise in writing. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.
Class-action waiver. All disputes shall be brought in your individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims, and may not preside over any form of representative or class proceeding.
Right to opt out. You may opt out of this arbitration agreement by sending written notice to DLV Financial, LLC at the address in section 11 within 30 days of the date you first agree to these Terms. Your notice must include your full name, mailing address, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.
Limited exceptions. Notwithstanding the above, either party may bring an action in small-claims court for disputes within that court's jurisdiction, and either party may seek injunctive relief in court to protect its intellectual property rights or address unauthorized access to its systems.
Severability. If any portion of this arbitration provision is held to be unenforceable, the remaining portions shall remain in effect, except that if the class-action waiver is held unenforceable as to any claim, then the entire arbitration provision shall be void as to that claim only.
10. Changes to these terms
We may update these Terms & Important Notice from time to time. When we make material changes, we will post the updated terms on this page and update the effective date above. Your continued use of the website after we post changes constitutes your acceptance of the updated terms.
11. Contact us
If you have questions about these Terms & Important Notice, please contact us at:
DLV Financial, LLC
11111 Katy Freeway, Suite 910
Houston, TX 77079
Email: cris@dlvfinancial.com