Terms & Conditions

We appreciate the trust you place in us when you choose to visit our website and we take that responsibility seriously. This FinalExpensesInsurances.com Terms and Conditions of Use (the “Terms”) describes how we collect and use personal information about you when you visit our website, use our mobile application, or call us on the phone.

Please review the following terms and conditions of Use that govern your use of and purchase of products (collectively, “Use”) via FinalExpensesInsurances.com website (“Site”).  Your Use of our Site, including but not limited to calling a phone number listed on our Site, constitutes your agreement to follow and be bound by the Terms of Use.  If you do not agree and accept without modification the Terms of Use set forth herein, please do not use this Site or call the phone number listed on the Site. Other than this agreement and agreements between you and FinalExpensesInsurances.com relating to the sale of products or services, FinalExpensesInsurances.com will not enter into any agreement with you or obligation to you through this Site and no attempt to create such an agreement or obligation will be effective.

THESE TERMS OF USE INCLUDE A CLASS ACTION WAIVER AND REQUIRE BINDING ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES. DETAILS ARE SET FORTH BELOW.

Site Services

The Site acts as a portal to facilitate insurance agents, insurance companies, lead aggregators and other similar parties (each a “Provider”) to offer for sale and to sell insurance and other products to potential consumers who have requested via the Site, or called a phone number listed on the site, to receive insurance or other authorized quotations from a Provider (each, a “Prospect”).

FinalExpensesInsurances.com is not a licensed insurance agency or broker and does not provide insurance quotes in accordance with RCW 48.17 or similar state statutes. The information and services FinalExpensesInsurances.com provides is not intended to take the place of professional advice from a licensed insurance agent nor does FinalExpensesInsurances.com provide any evaluation of the insurance providers or their policies. FinalExpensesInsurances.com recommends that all consumers consult with a licensed insurance agent before purchasing any insurance policy.

FinalExpensesInsurances.com does not sell any insurance or bind coverage on its Site. FinalExpensesInsurances.com may, through the Site and via its other websites, and with each Prospect’s authorization, collect certain information about any Prospect (a “Lead”) and sell the Lead (or transfer the Lead, if a caller) to a Provider. As a result, the quality, safety, or legality of the products offered by any Provider for sale, the truth or accuracy of the representations regarding such products, the ability of Providers to offer or sell such products, or the ability of Prospects to pay for the products offered are solely the responsibility of each user. FinalExpensesInsurances.com is an independent contractor for all purposes and FinalExpensesInsurances.com is not responsible in any way for the conduct of any Prospect or Provider. Nor does FinalExpensesInsurances.com endorse or recommend any Providers nor any companies or insurance policies. FinalExpensesInsurances.com does not provide insurance, tax, legal or any other financial advice. FinalExpensesInsurances.com does not guarantee that any of the Providers to whom it forwards any Prospect’s application will contact such Prospect or agree to provide the Prospect with the desired coverage. If you are a Prospect and you would like personal advice or specific policy recommendations, please consult with an insurance agent, broker, or other qualified professional.

Site Contents

Unless otherwise noted, the design of the Site, the Site as a whole and all materials that are part of the Site (collectively, “Contents”) are copyrights, trademarks, trade dress or other intellectual properties owned, controlled, or licensed by FinalExpensesInsurances.com or its subsidiaries and affiliates. Any use of the Contents without FinalExpensesInsurances.com express written consent is strictly prohibited.

Comments, Feedback and Other Submissions

FinalExpensesInsurances.com welcomes your comments and feedback regarding our Site, our products, and our services. We do not, however, accept confidential or proprietary information.  Accordingly, all comments, feedback, ideas, suggestions, materials, information, and other submissions disclosed, submitted, or offered to FinalExpensesInsurances.com using this Site or otherwise (collectively, “Comments”) are not confidential and will become and remain FinalExpensesInsurances.com property. The disclosure, submission or offer of any Comments will constitute an assignment to FinalExpensesInsurances.com of all worldwide rights, titles and interests and goodwill in the Comments without payment of any compensation. Comments submitted by you must not violate any right of any third party, and must not contain any libelous, abusive, obscene, or otherwise unlawful material.

The Contents are intended solely for your personal, noncommercial use.  You may not reproduce, publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of, or exploit in any way, any of the Contents or the Site. Unauthorized use of the Contents is expressly prohibited by law and may result in severe civil and criminal penalties.

Disclaimer, Limitation of Liability, and Indemnity

EXCEPT AS OTHERWISE EXPRESSLY PROVIDED, THIS SITE, ALL CONTENTS AND ALL PRODUCTS AND SERVICES ARE PROVIDED ON AN “AS IS” BASIS. FinalExpensesInsurances.com DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. FinalExpensesInsurances.com DOES NOT WARRANT THAT YOUR USE OF THIS SITE WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT THIS SITE OR ITS SERVER ARE FREE OF VIRUSES OR OTHER HARMFUL ELEMENTS. ALTHOUGH FinalExpensesInsurances.com ENDEAVORS TO PROVIDE ACCURATE INFORMATION, IT DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE ACCURACY OR RELIABILITY OF INFORMATION ON THIS SITE. YOUR USE OF THE SITE IS AT YOUR OWN RISK. NEITHER FinalExpensesInsurances.com NOR ITS AFFILIATED OR RELATED ENTITIES OR ITS VENDORS OR CONTENT PROVIDERS SHALL BE LIABLE TO ANY PERSON OR ENTITY FOR ANY DIRECT OR INDIRECT LOSS, DAMAGE (WHETHER ACTUAL, CONSEQUENTIAL, PUNITIVE, SPECIAL OR OTHERWISE), INJURY, CLAIM, OR LIABILITY OF ANY KIND OR CHARACTER WHATSOEVER BASED UPON OR RESULTING FROM YOUR USE OR INABILITY TO USE THIS SITE, OR ANY INFORMATION OR MATERIALS PROVIDED ON THE SITE. FinalExpensesInsurances.com IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE OR ANY MATERIALS ON THE SITE, OR WITH ANY OF FinalExpensesInsurances.com TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE. YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS Us-finalexpense.com, ITS SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, DISTRIBUTORS, VENDORS AND AFFILIATES FROM AND AGAINST ANY AND ALL THIRD-PARTY CLAIMS, DEMANDS, LIABILITIES, COSTS OR EXPENSES, INCLUDING REASONABLE ATTORNEYS’ FEES, RESULTING OR ARISING OUT OF YOUR BREACH OF ANY OF THESE TERMS OF USE.

CERTAIN PROVISIONS OF THE FOREGOING PARAGRAPH MAY NOT APPLY TO CONSUMERS WITHIN THE STATE OF NEW JERSEY OR IN OTHER JURISDICTIONS WHERE PROHIBITED BY LAW.

Disputes

By using this Site you unconditionally agree that all claims relating to your access or use of our Site, including all disputes arising out of, or related to, any products or services purchased from FinalExpensesInsurances.com through our Site, will be resolved entirely through binding individual arbitration, rather than in court. You may also assert individual claims in small claims court if your claims otherwise qualify. The Federal Arbitration Act and federal arbitration law apply to this agreement.

Note: There is no judge or jury in arbitration, no class actions, and court review of an arbitration award is limited. An arbitrator, however, can award on an individual basis the same damages and relief as a court, including injunctive and declaratory relief or statutory damages, and must follow these Terms of Use as a court would.

By using this Site FinalExpensesInsurances.com and you unconditionally agree to bring any dispute in arbitration on an individual basis only, and not on a class, consolidated, representative or collective action basis. If for any reason a claim proceeds in court rather than in arbitration, FinalExpensesInsurances.com and you agree to waive any right to a jury trial or to participate in a class action against the other. In addition, FinalExpensesInsurances.com and you agree that each may bring suit in court to enjoin infringement or other misuse of intellectual property right

THIS SECTION LIMITS CERTAIN RIGHTS, INCLUDING THE RIGHT TO MAINTAIN A COURT ACTION, THE RIGHT TO A JURY TRIAL, THE RIGHT TO PARTICIPATE IN ANY FORM OF CLASS OR REPRESENTATIVE CLAIM, THE RIGHT TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED IN AAA OR JAMS RULES, AND THE RIGHT TO CERTAIN REMEDIES AND FORMS OF RELIEF. OTHER RIGHTS THAT YOU OR FinalExpensesInsurances.com WOULD HAVE IN COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.

Applicable Law

The law applicable to the interpretation and construction of these Terms of Use and any transaction (including purchases made on this Site) using or related to the Site, shall be the Federal Arbitration Act, applicable federal laws and the laws of the State of Washington, USA, without regard to principles of conflict of laws, but subject to the Federal Arbitration Act and other federal law relating to the arbitrability of claims. You agree that all matters relating to your access to or use of the Site, including all disputes, will be governed by the laws of the United States and by the laws of the State of Washington.

Links to Other Websites and Services

This Site may include links to other Internet sites maintained by third parties (“Linked Sites”). FinalExpensesInsurances.com provides Linked Sites to you solely as a convenience, and the inclusion of Linked Sites does not imply endorsement by FinalExpensesInsurances.com of the Linked Sites. You access Linked Sites at your own risk and by accessing them you leave the FinalExpensesInsurances.com Site.  Linked Sites are not under the control of FinalExpensesInsurances.com FinalExpensesInsurances.com is not responsible for the contents of any Linked Site.

Denial of Access

These Terms of Use constitute an agreement that is effective unless and until terminated by Us-finalexpense.com. If in FinalExpensesInsurances.com sole discretion you fail to comply with any term or provision of this agreement, FinalExpensesInsurances.com may deny you access to the Site. In the event of denial of access by Us-finalexpense.com, you are no longer authorized to access the Site, and the restrictions imposed upon you with respect to material copied or downloaded, and the disclaimers and limitations of liabilities set forth in these Terms of Use, shall continue in force. These Terms of Use constitute the entire agreement between you and FinalExpensesInsurances.com relating to the subject matter addressed herein.

Miscellaneous

FinalExpensesInsurances.com encourages you to review the other policies posted on this Site. These policies also govern your use of FinalExpensesInsurances.com services and products. FinalExpensesInsurances.com reserves the right to make changes to our site, policies and these Terms of Use at any time and will provide notice of such changes if or as required by law. If any of these conditions shall be deemed invalid, void or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

Effective September 2022