Terms of Service

These terms govern your use of the Dawn Cole Financial website and our text messaging program. Please read them carefully.

Last Updated: 2026

Welcome to Dawn Cole Financial, also operating as DC Financial ("we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website at dcfinancial.com, our forms, and our communications, including our SMS text messaging program. By using our website or opting in to our messaging program, you agree to these Terms.

1. About Dawn Cole Financial

Dawn Cole Financial is a licensed insurance agency serving clients across all 50 states. We provide guidance and products related to mortgage protection, indexed universal life insurance, and annuities. Information on this website is for general educational purposes and does not constitute financial, legal, tax, or investment advice.

2. SMS Text Messaging Program

By providing your phone number and checking a consent box on one of our forms, you agree to receive text messages from Dawn Cole Financial. We offer two separate types of messages, and you choose which you receive:

  • Marketing messages: special offers, promotions, financial tips, and educational content.
  • Non-marketing messages: appointment confirmations and reminders, account and order updates, scheduling notifications, and other service related information.

You will receive messages as needed to notify, remind, and update you about meetings, appointments, and minimal marketing messaging. Message frequency may vary.

Opting Out (STOP)

You can cancel the SMS service at any time. Just text "STOP" to 731-327-6558. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

Getting Help (HELP)

If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at dawncolefinancial@gmail.com or by calling 731-327-6558.

Carrier Liability

Carriers are not liable for delayed or undelivered messages.

Message and Data Rates

As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive messages as needed to notify, remind, and update you about meetings, appointments, and minimal marketing messaging. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Privacy

If you have any questions regarding privacy, please read our privacy policy: Privacy Policy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

3. Use of Our Website

You agree to use our website only for lawful purposes and in a way that does not infringe on the rights of others or restrict their use of the site. You may not attempt to gain unauthorized access to any part of the website, its servers, or any connected systems.

4. No Guarantees

Insurance and financial products involve risk, and outcomes depend on your individual circumstances and the terms of the products you select. We do not guarantee any specific financial result. Insurance products are not FDIC insured and may be subject to investment risk. Guarantees associated with insurance and annuity products are subject to the claims-paying ability of the issuing company.

5. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Dawn Cole Financial or its licensors and is protected by applicable intellectual property laws. You may not reproduce or distribute our content without our prior written permission.

6. Limitation of Liability

To the fullest extent permitted by law, Dawn Cole Financial is not liable for any indirect, incidental, or consequential damages arising from your use of the website or our communications. Your use of this site is provided on an "as is" basis without warranties of any kind, either express or implied.

7. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Your continued use of the website or our messaging program after changes are posted means you accept the updated Terms.

8. Governing Law

These Terms are governed by the laws of the State of Tennessee, without regard to its conflict of law provisions.

9. Contact Us

If you have any questions about these Terms, please contact us: