Privacy Policy, Terms of Use & Website Disclaimer

DWAI Consulting, LLC

Last Updated: June 6, 2026

DWAI Consulting, LLC (“DWAI Consulting,” “we,” “our,” or “us”) is committed to protecting your privacy and providing clear information about the use of this website. This page explains what information we collect, how we use it, the terms that apply to use of this website, and important disclaimers about the information provided here.

By using this website, you agree to the practices, terms, and disclaimers described below.

Privacy Policy

1. Information We Collect

Information You Provide to Us

We collect personal information when you voluntarily submit it through:

Website contact forms

LinkedIn Lead Gen Forms

Other direct communications with DWAI Consulting

The information collected may include:

Name

Email address

Phone number

Company name

Information about your business

Any other details you choose to provide

Please do not submit medical records, Social Security numbers, detailed health information, payroll records, tax documents, or other sensitive information through a basic website contact form. If sensitive documents are needed, DWAI Consulting will provide instructions for an appropriate method of delivery.

Automatically Collected Information

We use Google Analytics and similar tools to collect standard website usage data, such as:

Browser type

Pages visited

Time spent on the site

Referring website

General website traffic and performance information

This information helps us understand how visitors use our site and improve the user experience. Google Analytics may use cookies or similar tracking technologies.

2. How We Use Your Information

We may use the information we collect to:

Respond to inquiries or requests submitted through the website

Communicate about our services

Evaluate whether our services may be a fit for your business

Improve our website and user experience

Analyze website traffic and performance

Meet legal, regulatory, or business obligations

We do not sell your personal information.

3. Sharing of Information

We do not sell or share your personal information with third parties for marketing purposes.

We may share information only with:

Service providers who assist with website hosting, analytics, communication tools, customer relationship management, or business operations

Insurance carriers, administrators, vendors, or professional service providers when needed to respond to your request or provide services

Legal authorities, regulators, or other parties if required to comply with applicable law

Service providers are expected to protect your information and use it only for the purposes for which it was provided.

4. Cookies & Tracking Technologies

Our website uses cookies through Google Analytics and similar tools. Cookies help us understand how visitors use the site and allow us to improve performance.

You can control or disable cookies through your browser settings. Disabling cookies may affect certain website features or analytics functions.

5. Data Retention

We retain personal information only as long as necessary to:

Respond to inquiries

Provide services

Maintain business records

Meet legal, regulatory, or business obligations

Once data is no longer needed, we take reasonable steps to securely delete or anonymize it.

6. Children’s Privacy

Our services are not intended for children under the age of 13, and we do not knowingly collect personal information from minors.

7. Your Rights

Depending on your location, you may have rights regarding your personal information, such as:

Access to your data

Request correction or deletion

Opt out of certain communications

Ask questions about how your information is used

To submit a request, please contact us using the information below.

8. Security

We take reasonable measures to protect your personal information from unauthorized access, misuse, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure.

Terms of Use

9. Use of This Website

This website is provided for general informational and educational purposes. You may use this website to learn more about DWAI Consulting, our services, and general topics related to employee benefits, small business health insurance, level-funded health plans, executive benefits, buy-sell agreement funding, and related business planning topics.

You agree not to misuse this website, attempt to interfere with its operation, submit false or misleading information, or use the site for unlawful purposes.

10. No Professional Advice

The information on this website is general in nature and should not be treated as legal, tax, accounting, human resources, compliance, financial, medical, or individualized insurance advice.

Insurance coverage, plan availability, underwriting, pricing, eligibility, contribution requirements, participation requirements, carrier rules, and compliance obligations can vary based on the employer, state, carrier, employee census, business structure, and other facts.

You should consult the appropriate licensed professional, attorney, tax advisor, compliance advisor, carrier representative, or other qualified professional before making decisions based on information found on this website.

11. No Broker-Client Relationship Created by Website Use

Using this website, reading content on this website, submitting a form, downloading materials, or contacting DWAI Consulting through this website does not automatically create a broker-client, consultant-client, advisory, fiduciary, or professional relationship.

A formal relationship with DWAI Consulting begins only when we mutually agree to work together and any required agreements, authorizations, appointments, or engagement terms are completed.

12. No Guarantee of Results

DWAI Consulting may discuss potential strategies to help employers evaluate benefits, reduce costs, improve plan design, compare funding options, or better understand available insurance solutions. However, we do not guarantee any specific savings, pricing, underwriting outcome, carrier approval, coverage decision, renewal result, tax result, compliance result, or business outcome.

All examples, articles, illustrations, estimates, and educational materials are provided for general discussion only.

13. Insurance Availability and Carrier Decisions

Any insurance products, plan options, rates, underwriting decisions, approvals, denials, renewals, network access, or coverage terms are determined by insurance carriers, administrators, vendors, and applicable law.

DWAI Consulting does not control carrier underwriting decisions, provider network participation, claims decisions, rate approvals, eligibility rules, or plan availability.

Final plan documents, carrier contracts, certificates of coverage, policies, summary plan descriptions, and official carrier materials control over any general description on this website.

14. Intellectual Property

The content on this website, including text, graphics, logos, service descriptions, articles, educational materials, page layouts, and other materials, is owned by or licensed to DWAI Consulting unless otherwise stated.

You may view, print, or share website content for personal or internal business evaluation purposes. You may not copy, reproduce, republish, sell, or distribute substantial portions of this website for commercial use without written permission from DWAI Consulting.

15. Third-Party Links

This website may include links to third-party websites, carriers, vendors, government agencies, articles, videos, or other outside resources. These links are provided for convenience only.

DWAI Consulting is not responsible for the content, accuracy, privacy practices, security, or availability of third-party websites. Visiting third-party websites is at your own risk.

16. Website Accuracy

We try to keep website information accurate and useful, but benefits, insurance, tax, and compliance topics can change. We do not promise that all website content is complete, current, error-free, or applicable to your specific situation.

We may update, remove, or change website content at any time without notice.

17. Limitation of Liability

To the fullest extent permitted by law, DWAI Consulting, LLC and its owners, employees, contractors, representatives, and affiliates are not responsible for damages or losses arising from your use of this website, reliance on website content, inability to access the website, or use of third-party links.

This includes, without limitation, direct, indirect, incidental, consequential, special, or punitive damages.

18. Governing Law

These Terms of Use are intended to be governed by the laws of the State of Illinois, without regard to conflict of law principles, unless a different law is required to apply.

19. Updates to This Page

We may update this Privacy Policy, Terms of Use & Website Disclaimer from time to time. Updates will be posted on this page with a revised “Last Updated” date.

20. Contact Information

If you have questions about this page or would like to contact us regarding your data, you can reach us at:

DWAI Consulting, LLC

Barrington, IL

Email: steve@dwaiconsulting.com