Section 1
Acceptance of Terms
Welcome to FinalExpenses ("we," "us," "our," or "the Company"). By accessing, browsing, or using our website, mobile applications, or services (collectively, the "Services"), you ("User," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms").
If you do not agree with any part of these Terms, you must not use our Services. Your continued use of the Services following the posting of changes to these Terms will mean you accept those changes.
Section 2
Description of Services
FinalExpenses operates as an online insurance referral and lead generation service. Our role is to connect consumers seeking final expense, burial, and funeral insurance products with licensed insurance agents and A-rated insurance carriers.
Important: FinalExpenses is not an insurance company, and we do not underwrite or issue insurance policies directly. We act solely as a conduit between you and licensed third-party providers.
Section 3
User Eligibility
To use our Services, you must be at least 18 years of age and legally capable of entering into binding contracts. While our website may provide information regarding insurance products available to individuals up to age 85, you represent and warrant that any information you provide regarding your age and eligibility is accurate and truthful.
Section 4
Quotes, Rates, and Applications
Non-Binding Estimates: Any insurance quotes, premium estimates, or coverage amounts provided through our website are for informational purposes only. They are based on the limited information you provide and do not constitute an offer of insurance or a binding contract.
Final Rates: Actual premiums, coverage limits, and policy terms are determined solely by the insurance carrier upon review of your formal application, medical history questionnaire, and underwriting guidelines.
No Guarantee of Approval: Submitting an application or requesting a quote does not guarantee that you will be approved for coverage. Approval is subject to the underwriting rules of the respective insurance carrier.
Section 5
User Responsibilities
You agree to provide accurate, current, and complete information when using our Services. Specifically, you are responsible for:
-
Providing truthful answers to health and lifestyle questions during the quoting process.
-
Maintaining the confidentiality of any account credentials or policy login information provided by carriers.
-
Paying all premium payments directly to your chosen insurance carrier in a timely manner to keep your policy active.
Misrepresentation: Providing false or misleading information on an insurance application can result in the denial of a claim, policy rescission, or prosecution for insurance fraud.
Section 6
Intellectual Property Rights
All content, features, and functionality of this website—including but not limited to text, graphics, logos, icons, images, audio clips, and software—are the exclusive property of FinalExpenses or its licensors and are protected by international copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or republish any portion of this website without our prior written consent.
Section 7
Prohibited Activities
You agree not to engage in any of the following prohibited activities while using our Services:
Automated Scraping
Using bots or scrapers to extract data from the website.
Network Disruption
Interfering with or disrupting servers or networks.
Impersonation
Pretending to be another user or entity.
Malware
Transmitting viruses, malware, or harmful code.
Section 8
Third-Party Links & Services
Our website may contain links to external websites that are not provided or maintained by us. We do not control the content, privacy policies, or practices of these third-party sites. We assume no responsibility for the actions or policies of these third parties.
When an agent or carrier contacts you after you request a quote, you will be subject to the specific terms, conditions, and privacy policies of that insurance provider. We strongly encourage you to review them carefully.
Section 9
Disclaimer of Warranties
The information and Services provided by FinalExpenses are on an "as is" and "as available" basis. To the fullest extent permitted by law, we expressly disclaim all warranties of any kind, whether express or implied, including but not limited to:
-
Implied warranties of merchantability and fitness for a particular purpose.
-
Warranties that the Services will be uninterrupted, error-free, or completely secure.
-
Warranties that the quotes provided will match the final rates offered by insurance carriers.
Any reliance on information provided through our Services is strictly at your own risk.
Section 10
Limitation of Liability
Under no circumstances shall FinalExpenses, its officers, directors, employees, or partners be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from:
-
Your use of or inability to use our Services.
-
Any unauthorized access to or alteration of your data.
-
The actions, omissions, or conduct of any third-party insurance carrier, agent, or provider referred to you through our site.
-
Any claim arising out of an insurance policy you purchase through a referral from our site.
Section 11
Indemnification
You agree to defend, indemnify, and hold harmless FinalExpenses and its affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services.
Section 12
Termination
We reserve the right to suspend or terminate your access to our Services at any time, without prior notice or liability, for any reason whatsoever, including if we believe you have breached these Terms. Upon termination, your right to use the Services will immediately cease.
Section 13
Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the state and federal courts located in Miami-Dade County, Florida, for any actions arising out of or related to these Terms.
Any disputes regarding insurance policies purchased are strictly between you and the issuing insurance carrier, and are subject to the laws of the state where the policy is issued.
Section 14
Changes to These Terms
We reserve the right to revise these Terms and Conditions at any time. When we do, we will update the "Last updated" date at the top of this page. You are responsible for periodically reviewing these Terms.
Your continued use of the website and Services after any changes constitutes your acceptance of the new Terms. If you do not agree to the new Terms, you must stop using the Services.
Section 15
Contact Us
If you have any questions or concerns about these Terms and Conditions, please contact us:
Mailing Address
FinalExpenses Legal Dept.
P.O. Box 1234, Miami, FL 33101
Business Hours
Mon–Fri: 9 AM – 6 PM EST