Terms of Service

1. Acceptance of Terms

By accessing or using the Final Expense Nav website and services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

These terms apply to all users of our website, including visitors, registered users, and anyone who accesses our educational resources.

2. Description of Services

Final Expense Nav provides:

• Educational information about final expense coverage options
• Referral services to connect users with licensed professionals
• Online resources and tools for learning about coverage needs
• Marketing and lead generation services for licensed agents

3. User Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and truthful information
• Comply with all applicable laws and regulations
• Not use our services for any unlawful purposes

4. User Responsibilities

When using our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of any account credentials
• Notify us immediately of any unauthorized use of your account
• Use our services only for lawful purposes
• Respect the intellectual property rights of others
• Not attempt to interfere with or disrupt our services
• Not use automated systems to access our website without permission

5. Information Sharing and Referrals

By using our services, you understand and agree that:

• We may share your information with licensed professionals who can assist you
• Licensed agents may contact you via phone, email, or mail
• We are not responsible for the actions or services of third-party agents
• You are free to work with any licensed professional of your choice
• We may receive compensation from agents for successful referrals

6. Prohibited Uses

You may not use our services to:

• Violate any local, state, federal, or international laws
• Transmit harmful, threatening, or offensive content
• Impersonate any person or entity
• Collect information about other users without permission
• Interfere with or disrupt our services or servers
• Use automated systems to access our website
• Attempt to gain unauthorized access to our systems
• Engage in any fraudulent activities

7. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is owned by Final Expense Nav or our licensors and is protected by copyright and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Create derivative works based on our content
• Reverse engineer any software or systems

8. Disclaimers

Our services are provided "as is" without warranties of any kind. We disclaim all warranties, including:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that our services will be uninterrupted or error-free
• Warranties regarding the accuracy of information provided
• Warranties about the quality of third-party services

9. Limitation of Liability

To the maximum extent permitted by law, Final Expense Nav shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Actions or omissions of third-party agents or companies
• Coverage decisions made by users or agents
• Technical issues or website downtime

Our total liability shall not exceed the amount paid by you for our services, if any.

10. Indemnification

You agree to indemnify and hold harmless Final Expense Nav, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of our services
• Your violation of these terms
• Your violation of any third-party rights
• Any false or misleading information you provide

11. 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 by reference.

By using our services, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.

12. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on our website with an updated "Last Updated" date.

Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

13. Termination

We may terminate or suspend your access to our services at any time, with or without cause, and with or without notice.

You may stop using our services at any time. Upon termination, your right to use our services will cease immediately.

14. Governing Law and Disputes

These terms are governed by the laws of the United States and the state in which Final Expense Nav is incorporated, without regard to conflict of law principles.

Any disputes arising from these terms or our services shall be resolved through binding arbitration, except where prohibited by law.

15. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Final Expense Nav regarding the use of our services.