Last Updated: February 25, 2026
Please read these Terms of Service ("Terms") carefully before using daviddeloyconsulting.com (the "Site") operated by David Deloy Consulting, LLC ("Company," "we," "us," or "our").
By accessing or using our Site or services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use our Site or services.
David Deloy Consulting, LLC provides consulting services including, but not limited to: utility bill comparison, insurance review, subscription auditing, tax preparation referrals, credit repair guidance, debt management consulting, financial wellness assessments, and business expense review.
THE INFORMATION AND SERVICES PROVIDED THROUGH THIS SITE AND BY OUR COMPANY ARE FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. Our services do not constitute and shall not be construed as:
You should consult with appropriately licensed professionals before making any financial, legal, tax, or insurance decisions. Any reliance you place on information provided by our Company is strictly at your own risk.
(a) David Deloy Consulting, LLC is NOT a credit repair organization as defined by the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) or the Texas Finance Code Chapter 393. We do not perform credit repair services, dispute items on your behalf with credit bureaus, or promise to improve your credit score.
(b) Our credit repair guidance service is limited to providing educational information about your rights under federal and state law, general strategies for improving creditworthiness, and referrals to qualified credit counseling organizations.
(c) Under federal law, you have the right to:
For free or low-cost assistance, you may contact a nonprofit credit counseling service. A list of approved agencies is available from the U.S. Department of Justice.
(a) David Deloy Consulting, LLC provides educational consulting and general guidance regarding debt management strategies. We do NOT act as a debt management service provider as defined under Texas Finance Code Chapter 394.
(b) We do not negotiate with your creditors on your behalf, manage your debt repayment plans, or accept or distribute funds intended for your creditors.
(c) If you require debt management services, debt settlement, or credit counseling, we may refer you to providers registered with the Texas Office of Consumer Credit Commissioner (OCCC). Any such referral is not an endorsement, and you should independently verify the provider's registration status at occc.texas.gov.
(a) David Deloy Consulting, LLC is NOT a licensed insurance agent, broker, or adjuster in the State of Texas. We do not sell, solicit, or negotiate insurance policies or coverage.
(b) Our insurance review service is limited to providing general educational information about types of insurance coverage and helping you understand your current policies. We do not recommend specific insurance products, policies, or providers.
(c) For insurance advice, quotes, or policy changes, you should consult a licensed insurance agent or broker. The Texas Department of Insurance (TDI) can verify agent licensing at tdi.texas.gov.
(d) We do not receive referral fees, commissions, or compensation from any insurance company or agent based on your purchase of insurance.
(a) David Deloy Consulting, LLC is NOT a registered energy broker with the Public Utility Commission of Texas (PUCT). We do not procure electricity or other utility service on your behalf.
(b) Our utility bill comparison service provides general educational information to help you understand your utility bills and the competitive electricity market in Texas. We may direct you to the PUCT's official comparison tool at powertochoose.org.
(c) We do not receive compensation from any utility company or retail electric provider based on your enrollment or purchase of service.
(d) Actual savings, if any, will vary depending on your usage, location, and the plans available to you at the time.
(a) David Deloy Consulting, LLC is NOT a certified public accountant (CPA), enrolled agent, or licensed tax professional. We do not prepare tax returns or provide tax advice.
(b) We may refer you to qualified, licensed tax preparation professionals. Any such referral is provided as a convenience and does not constitute an endorsement or guarantee of the referred professional's services.
(c) You are solely responsible for the accuracy of your tax filings and for selecting a tax professional. We recommend verifying any tax preparer's credentials through the IRS Return Preparer Office or the Texas State Board of Public Accountancy (tsbpa.texas.gov).
(d) In accordance with IRS Circular 230, any tax-related information provided through our services is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein.
(a) Our financial wellness and business expense review services provide general educational information and organizational tools. We are NOT registered investment advisers, financial planners, or fiduciaries.
(b) We do not manage assets, recommend specific investment products or securities, or provide personalized investment advice.
(c) Any financial information, projections, or estimates we provide are for illustrative purposes only and do not guarantee any specific outcome.
(d) For personalized financial planning or investment advice, consult a registered investment adviser. You can verify adviser registration through the SEC's Investment Adviser Public Disclosure website or the Texas State Securities Board (ssb.texas.gov).
WE MAKE NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE RESULTS OR OUTCOMES OF ANY OF OUR SERVICES. Results will vary based on individual circumstances. No specific outcome is promised or guaranteed, including but not limited to: credit score improvements, debt reductions, utility cost savings, tax refund amounts, or insurance premium reductions.
Service fees are as listed on our Services page and are subject to change. All fees are due at the time of service unless otherwise agreed upon in writing. Initial consultations are provided at no charge with no obligation.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, David Deloy Consulting, LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:
In no event shall our aggregate liability exceed the amount you paid to us for the specific service giving rise to the claim during the twelve (12) months preceding the claim.
You agree to indemnify, defend, and hold harmless David Deloy Consulting, LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your use of our services or your violation of these Terms.
(a) Any dispute arising out of or relating to these Terms or our services shall first be attempted to be resolved through informal negotiation by contacting us at info@daviddeloyconsulting.com.
(b) If the dispute cannot be resolved informally within thirty (30) days, either party may initiate binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in Houston, Harris County, Texas.
(c) Any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
(d) You may opt out of this arbitration provision by sending written notice to us within thirty (30) days of first accepting these Terms.
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any legal action not subject to arbitration shall be brought in the courts of Harris County, Texas.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.
We reserve the right to modify these Terms at any time. We will notify you of changes by updating the "Last Updated" date. Your continued use of the Site following any changes constitutes acceptance of the new Terms.
David Deloy Consulting, LLC
Houston, TX
Email: info@daviddeloyconsulting.com
Phone: (832) 639-4944