Terms of Service

Effective Date: [January 10, 2026]

These Terms of Service (“Terms”) govern your use of the website, services, communications, and materials provided by DCW Financial Inc. and DCW Financiers Inc. (“DCW Financial,” “we,” “our,” or “us”), powered by Experior Financial Group. By accessing our website, submitting information, or using our services, you agree to these Terms.

1. No Financial, Legal, or Tax Advice

DCW Financial provides insurance, financial education, and financial services. Nothing on this website or in our communications should be considered legal, tax, or investment advice. All information is provided for general educational purposes. You should consult a qualified professional for personal legal, tax, or financial decisions.

2. Eligibility

You must be at least 18 years old to use our services or submit information through our website.

3. Services Provided

DCW Financial offers:

• Insurance products

• Financial planning services

• Wealth protection strategies

• Retirement planning

• Recruiting and training for financial professionals

We act as an independent agency working with multiple licensed insurance carriers and service providers.

4. No Income Guarantees

Any income, business, or career information provided is illustrative only. We do not guarantee earnings, success, or results. Individual outcomes depend on effort, skill, licensing, market conditions, and other factors.

By providing your contact information, you authorize DCW Financial to contact you via:

• Phone

• SMS

• Email

• WhatsApp

• Automated or manual systems

You may opt out at any time.

6. Client Responsibility

You agree that:

• You will provide accurate and truthful information

• You are responsible for decisions based on any information provided

• You understand that insurance and financial products carry risk

• You understand policies are governed by carrier contracts

7. Intellectual Property

All website content, logos, text, videos, and materials are the property of DCW Financial or its partners and may not be copied, distributed, or used without permission.

8. Limitation of Liability

DCW Financial is not liable for:

• Financial losses

• Missed opportunities

• Data loss

• Business outcomes

• Technical failures

Use of this website and our services is at your own risk.

9. Third-Party Services

We work with third-party platforms such as:

• Insurance carriers

• CRM and marketing tools

• Advertising platforms

• Payment and communication providers

We are not responsible for their actions or policies.

10. Compliance and Licensing

Our agents are licensed to sell insurance in specific provinces and states. Services are provided only where legally permitted.

11. Termination of Use

We reserve the right to deny service or terminate access to anyone for misuse, abuse, or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of Quebec, Canada, and applicable United States laws where required.

13. Changes to These Terms

We may update these Terms at any time. Continued use of our website or services constitutes acceptance of the updated Terms.

14. SMS Terms of Service

DCW Financial SMS Program
DCW Financial Inc. and DCW Financiers Inc. (“DCW Financial”) send marketing and non-marketing text messages related to financial service updates, appointment reminders, follow-ups, and general service communications to users who opt in.

Cancellation:
You can cancel the SMS service at any time by texting STOP to +1 607-357-7709. After you send STOP, we will send a confirmation message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you wish to rejoin the SMS program, you may sign up again through our website forms or booking pages, and messaging will resume.

Support:
If you are experiencing issues with the messaging program, you can reply with the keyword HELP for assistance, or contact us directly at denesh@dcwfinancial.com.

Carrier Liability:
Carriers are not liable for delayed or undelivered messages.

Rates and Frequency:
Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary. If you have questions about your text plan or data plan, please contact your wireless provider.

Privacy:
For questions about how your data is handled, please review our Privacy Policy:
https://dcwfinancial.com/our-privacy-policy/

15. Contact

For questions about these Terms, contact us through our website.

DCW Financial Inc. / DCW Financiers Inc.

Montreal, Quebec, Canada