Privacy Policy

1. Overview & Scope

This Privacy Policy describes how Final Expense Policy (“we,” “us,” or “our”), operating via https://finalexpensepolicy.us/, collects, uses, maintains, protects, and discloses personal information obtained from users (“you” or “User”) who access our marketing website or submit lead request forms.

Final Expense Policy operates solely as an insurance marketing website. We are not an insurance carrier, underwriter, or government entity. By accessing our website or providing information to us, you acknowledge and agree to the practices outlined in this Privacy Policy.

2. Information We Collect

We collect information that identifies, relates to, or describes you (“Personal Information”) when you voluntarily fill out our forms or interact with our site:

• Contact Information: First and last name, email address, telephone number, and residential ZIP code.
• Demographic Information: Age range or birth year, state of residence, and general insurance coverage interest preferences.
• Technical & Usage Data: Internet Protocol (IP) address, browser type, operating system, referring URL, time spent on pages, and device identifier data collected via standard server logs.
• Consent Records: Documentation of your TCPA consent, including timestamp, IP address, and form checkbox state.

3. How We Use Your Information

We use the information we collect for legitimate business purposes, including:

• Connecting you with licensed insurance agents, brokers, and partner agencies in your area to discuss final expense coverage options.
• Fulfilling your requests for quotes, policy information, or consultations regarding insurance products.
• Communicating with you via telephone calls, text messages (SMS/MMS), and email communications consistent with your consent.
• Improving our website layout, user experience, conversion flow, and administrative operations.
• Maintaining required legal, compliance, and consent audit records.

4. Telephone Consumer Protection Act (TCPA) & Marketing Communications

By submitting your phone number and checking the consent box on our forms, you explicitly grant express written consent for Final Expense Policy and its network of licensed insurance partners to contact you at the telephone number provided.

How to Opt-Out: You may revoke telephone or SMS marketing consent at any time:

• Text Messages: Reply “STOP” to any text message received.
• Calls & Email: Email your opt-out request with your full name and phone number to hello@finalexpensepolicy.us.

5. Sharing & Disclosure of Information

We do not sell personal data to non-affiliated third parties for unrelated commercial marketing. We share your information only under the following limited circumstances:

• Licensed Insurance Partners: With third-party licensed insurance professionals, agencies, or lead management partners who assist in reviewing and fulfilling your coverage inquiry.
• Service Providers: With vetted technology vendors who host our website, manage email transmission, or verify form inputs under strict data privacy obligations.
• Legal & Regulatory Compliance: When required by court order, subpoena, law enforcement inquiry, or state insurance department audit.

6. Data Security & Retention

We utilize industry-standard administrative, technical, and physical safeguards—including SSL encryption (HTTPS)—to protect your personal information against unauthorized access, loss, or alteration. We retain personal data only for as long as necessary to fulfill the purposes outlined in this policy or as required by law.

7. Your Privacy Rights & State Specific Disclosures

Depending on your state of residence (such as California, Virginia, Colorado, or Texas), you may possess specific rights regarding your personal information:

• Right to Know / Access: You may request details about the categories of personal data collected and shared.
• Right to Delete: You may request the deletion of your personal information, subject to legal record retention requirements.
• Right to Opt-Out: You may direct us not to share your personal information with insurance partners.

To exercise these rights, please email us at hello@finalexpensepolicy.us.

8. Contact Information

If you have any questions or concerns regarding this Privacy Policy, please reach out to us:

Final Expense Policy
Website: https://finalexpensepolicy.us/
Email: hello@finalexpensepolicy.us