Terms of Service

1. Acceptance of Terms

By accessing and using Final Expense Insurance Guide ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Final Expense Insurance Guide provides an educational assessment tool designed to help users understand final expense insurance options and connect with insurance specialists. Our service includes:

• Interactive questionnaire and assessment tools
• Educational content about final expense insurance
• Personalized recommendations based on user responses
• Connection to insurance specialists and brokers
• Lead generation and referral services

3. User Eligibility

To use our Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into agreements
• Provide accurate and complete information
• Comply with all applicable laws and regulations

4. User Responsibilities

You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account information
• Use the Service only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not interfere with or disrupt the Service
• Not use the Service to transmit harmful or malicious content

5. Educational Nature of Service

Our Service is provided for educational and informational purposes only. We do not:

• Provide insurance advice or recommendations
• Guarantee specific insurance rates or coverage
• Act as an insurance agent or broker
• Make binding insurance offers or commitments

All insurance decisions should be made in consultation with licensed insurance professionals.

6. Third-Party Services

Our Service may include links to third-party websites and services, including insurance providers and brokers. We are not responsible for:

• The content or practices of third-party sites
• Insurance products or services offered by third parties
• Any transactions or agreements between you and third parties
• The accuracy of information provided by third parties

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

8. Intellectual Property

The Service and its original content, features, and functionality are owned by Final Expense Insurance Guide and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Service will be uninterrupted or error-free
• Warranties regarding the accuracy or reliability of information
• Warranties that defects will be corrected

10. Limitation of Liability

IN NO EVENT SHALL FINAL EXPENSE INSURANCE GUIDE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use or inability to use the Service
• Any unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from the Service
• Any bugs, viruses, or other harmful code
• Any errors or omissions in any content

11. Indemnification

You agree to defend, indemnify, and hold harmless Final Expense Insurance Guide and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from:

• Your use of the Service
• Your violation of these Terms of Service
• Your violation of any third-party rights
• Any content you submit or transmit through the Service

12. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms of Service.

13. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions.

14. Dispute Resolution

Any disputes arising from these Terms of Service or your use of the Service shall be resolved through binding arbitration in accordance with the rules of [Arbitration Organization]. The arbitration shall be conducted in [Your City, State].

15. Changes to Terms

We reserve the right to modify or replace these Terms of Service at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

16. Contact Information

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

• Email: legal@thelifeinsuranceguy.co
• Phone: [Your Phone Number]
• Address: [Your Business Address]