Terms and Conditions Last Updated:1/1/2023

Welcome and thank you for your interest in Final Expense Leader. By using Final Expense Leader's websites, networks, mobile applications, or other services provided by Final Expense Leader collectively, the services, or accessing any content provided by Final Expense Leader through the Services, you agree to be bound by the following terms of use, as updated from time to time (Terms of Use). Final Expense Leader's Role. This arbitration agreement includes claims related to our clients, vendors, and Marketing Partners, which are third party beneficiaries of this arbitration agreement. Final Expense Leader's business is primarily funded through advertising and referrals. You understand and agree that the Services may include advertisements and that these are necessary to support the Services. To help make the advertisements relevant and useful to you, Final Expense Leader may serve advertisements based on the information we collect through the Services.

See the Privacy Policy for more details. Final Expense Leader assumes no responsibility for any result or consequence related directly or indirectly to any action or inaction that consumers take based on the Services or any other information available through or in connection with the Services. Referrals. While you are not responsible for making referral payments to Final Expense Leader, as part of the Services, Final Expense Leader may be paid valuable consideration in exchange for your referral (Referral). You authorize Final Expense Leader to make such Referral and acknowledge Final Expense Leader may be paid valuable consideration for facilitating such referral. Because of this relationship, Final Expense Leader may receive a financial or other benefits from a Referral. Eligibility; Accounts and Registration. You must be at least 18 years of age to use the Service. By agreeing to these Terms of Use, you represent and warrant that: (a) you are at least 18 years of age; (b) you have not previously been suspended or removed from the Services; and (c) your registration and your use of the Services is in compliance with all applicable laws and regulations. To access some features of the Services, you may be required to register for an account. When you register for an account, you may be required to provide us with some information about yourself, such as email address or other contact information. You agree that the information you provide is accurate and that you will keep it accurate and up-to-date at all times. When you register, you may be asked to provide a password. You are solely responsible for maintaining the confidentiality of your account and password, and you are responsible for all actions taken via your account. You may not share your user account(s) with others. Unless you have entered into a commercial agreement with Final Expense Leader permitting you to use the Services for transactions on behalf of another person, you may only use the Services for transactions on your own behalf, and not on behalf of any other person. Use of the Services; Restrictions. Use of the Services. As long as you comply with these Terms of Use, Final Expense Leader grants you a non-exclusive, limited, revocable, personal, non-transferable license to use the Services, and to download and use any App (as defined in Section 4(b) below) on your mobile device in object code form, for your personal use. Except as expressly stated herein, these Terms of Use do not provide you with a license to use, reproduce, distribute, display or provide access to any portion of the Services on third-party web sites or otherwise. The Services may include software for use in connection with the Services. Mobile Applications. To use any mobile application feature of the Services (each, an App), you must have a compatible mobile device. Final Expense Leader does not warrant that any App will be compatible with your mobile device. You may use mobile data in connection with an App and may incur additional charges from your wireless provider for using an App. You agree that you are solely responsible for any applicable charges. Final Expense Leader may update any app and may automatically electronically update the version of any App that you have installed on a mobile device. You consent to all automatic upgrades and understand that these Terms of Use will apply to all updated versions of an App. Any third-party open-source software included in an App is subject to the applicable open source license and may be available directly from the creator under an open-source license. These Terms of Use do not apply to your use of software obtained from a third-party source under an open-source license. Use of Content. Subject to the restrictions set forth in these Terms of Use, you may copy information from the Services only as necessary for your personal use to view, save, print, fax and/or e-mail such information. Prohibited Use.

BY USING THE SERVICES, YOU AGREE NOT TO: reproduce, modify, distribute, display or otherwise provide access to, create derivative works from, decompile, disassemble, or reverse engineer any portion of the Services, except as explicitly permitted under these Terms of Use; provide/post/authorize a link to any of the Services from a third-party website; remove or modify any copyright or other intellectual property notices that appear in the Services; use the Services for resale, service bureau, time-sharing or other similar purposes; use the Services in any way that is unlawful, or harms Final Expense Leader, its service providers, suppliers, or any other user; distribute or post spam, chain letters, pyramid schemes, or similar communications through the Services; impersonate another person or misrepresent your affiliation with another person or entity; reproduce, publicly display, or otherwise make accessible on or through any other website, application, or service any reviews, ratings, and/or profile information, or other data or content available through the Services, except as explicitly permitted by Final Expense Leader for a particular portion of the Services; upload invalid data, viruses, worms, or other software agents to the Services; interfere with, or compromise the system integrity or security of the Services, or otherwise bypass any measures Final Expense Leader may use to prevent or restrict access to the Services; conduct automated queries (including screen and database scraping, spiders, robots, crawlers, bypassing or similar precautions, and any other automated activity with the purpose of obtaining information from the Services) on the Services; use any of Final Expense Leader's trademarks without approval, including but not limited to using them as part of your business name, screen name or email address on the Services; access or use any of the Services to develop competitive products or services; or attempt to, or permit or encourage any third party to, do any of the above Fees. Generally. You may be required to pay fees to access certain features of the Services. All fees are in U.S. dollars and are non-refundable. If Final Expense Leader changes the fees for all or part of the Services, including by adding fees or charges, Final Expense Leader will provide you advance notice of those changes. If you do not accept the changes, Final Expense Leader may discontinue providing the applicable part of the Services to you. Final Expense Leader's authorized third-party payment processor will charge the payment method you specified at the time of purchase. You authorize Final Expense Leader to charge all fees as described in these Terms of Use for the Services you select to that payment method. If you pay any fees with a credit card, Final Expense Leader may seek pre-authorization of your credit card account before your purchase to verify that the credit card is valid and has the necessary funds or credit available to cover your purchase. Subscriptions. The Services may include features that allow for automatically recurring payments for periodic charges (Subscription Service). If you decide to activate a Subscription Service, you authorize Final Expense Leader to periodically charge, on a going-forward basis and until cancellation of either the recurring payments or your account, all accrued sums on or before the payment due date for the accrued sums. The subscription will continue unless and until you cancel your subscription, or we terminate it. You must cancel your Subscription Service before it renews in order to avoid billing of the next periodic subscription fee to your account. We will bill the periodic subscription fee to the payment method you provide to us during registration (or to a different payment method if you change your payment information). User Materials. UGC Definition; License Grant. Certain portions of the Services may allow users to upload or otherwise provide to Final Expense Leader images, photos, video, data, text, listings and other content (User Materials). By uploading or otherwise providing User Materials to the Services, you grant Final Expense Leader an irrevocable, perpetual, royalty-free worldwide license to (i) use, copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, modify, prepare derivative works of or incorporate into other works, and translate your User Materials, in connection with the Services, or in any other media; and (ii) sublicense these rights, to the maximum extent permitted by applicable law. Final Expense Leader will not pay you for your User Materials or to exercise any rights related to your User Materials set forth in the preceding sentence. Final Expense Leader may remove or modify your User Materials at any time. You are solely responsible for all User Materials made through your user account(s) on the Services or that you otherwise make available through the Services. For all User Materials, you represent and warrant that you are the creator and owner of the User Materials, or have the necessary licenses, rights, consents, and permissions (including all permissions required under applicable privacy and intellectual property law) to authorize Final Expense Leader and other users to access and use your User Materials as necessary to exercise the licenses granted by you under these Terms of Use. UGC Disclaimer. Final Expense Leader is under no obligation to edit or control your User Materials or the User Materials of any other User and will not be in any way responsible or liable for any User Materials. Final Expense Leader may, however, at any time and without prior notice, screen, remove, edit, or block any User Materials on the Services, including User Materials, which in Final Expense Leader's sole judgment violate these Terms of Use or are otherwise objectionable. You understand that when using the Services, you may be exposed to User Materials of other users and acknowledge that User Materials may be inaccurate, offensive, indecent, or objectionable. You agree to waive, and do waive, any legal or equitable right or remedy you may have against Final Expense Leader with respect to User Materials. Final Expense Leader expressly disclaims any and all liability in connection with User Materials. If notified by a user or content owner that User Materials allegedly do not conform with these Terms of Use, Final Expense Leader may investigate the allegation and determine in Final Expense Leader's sole discretion whether to remove the User Materials, which Final Expense Leader reserves the right to do at any time and without notice. For more information on Final Expense Leader's handling of infringing content, please see Section 12 below. Third-Party/Linked Services/Sent information. . Generally. The Services may include links to third-party products, services and websites, as well as materials provided by third parties, and may include functionality that allows for the distribution of your User Materials or your personal information (collectively, your User Information) to third parties not under Final Expense Leader's control (each, a Third-Party Provider). Third-Party Providers are solely responsible for their services. You are responsible for your use and submission of User Information to any third-party, and your dealings or business conducted with any third party arising in connection with the Services are solely between you and such third party. Your use of third-party sites, services, or products may be subject to associated third-party terms of use and privacy policies or other agreements, which you are solely responsible for complying with. Final Expense Leader does not endorse, and takes no responsibility for such products, services, Web sites, and materials, or a Third-Party Provider's use of your User Information. By using a tool that allows for User Information to be transferred, you agree that Final Expense Leader may transfer the applicable User Information or other information to the applicable third-parties, which are not under the control of Final Expense Leader. If you submit a contact form or otherwise indicate your interest in contacting a Third-Party Provider, you may receive telemarketing calls from the Third-Party Provider using the contact information you provided. Third-Party Providers may keep your contact information and any other information received by the Third-Party Provider in processing a contact or other request form. Final Expense Leader is not responsible for any damages or costs of any type arising out of or in any way connected with your dealings with these third parties. Certain Third-Party Services. Non-Affiliated Financial Products. If you choose to contact a Third-Party Provider on the Services, you authorize Final Expense Leader to provide the information you submit to the Third-Party Provider. If you include your name, contact information and other information in a request, your identity will no longer be anonymous to the Third-Party Provider. By using these features, the disclosures and consent required under certain state laws are deemed to be provided, received, and agreed to. Except for services offered by Final Expense Leader: (a) does not endorse, refer or recommend any Third-Party Provider that pays Final Expense Leader or the products of any Third-Party Provider that pays Final Expense Leader; (b) is not responsible for any errors or delays caused by consumers or any Third-Party Provider; and (c) does not guarantee offer of, or acceptance into, any particular program or specific terms, conditions, or services provided by any Third-Party Provider, or that any terms, conditions or services offered by any Third Party Provider will be the best available. Intellectual Property. The Services are owned and operated by Final Expense Leader. The user interfaces, design, information, data, code, products, software, graphics, and all other elements of the Services (Final Expense Leader Materials) provided by Final Expense Leader are protected by intellectual property and other laws and are the property of Final Expense Leader or Final Expense Leader's third-party licensors. Except as expressly allowed by these Terms of Use, you may not make use of the Final Expense Leader Materials, and Final Expense Leader reserves all rights to the Final Expense Leader Materials and Services not granted expressly in these Terms of Use. Intellectual Property Notices: The names of actual companies, products, and services mentioned herein may be the trademarks of their respective owners. Any rights not expressly granted herein are reserved. Final Expense Leader does not assert copyright or grant any rights to the underlying images or descriptions provided through the Services. Any use of these images and descriptions is subject to the copyright owner's permission and the requirements of applicable law. If you choose to provide input and suggestions regarding the Services, including related to any Final Expense Leader Materials (Feedback), then you hereby grant Final Expense Leader an unrestricted, perpetual, irrevocable, non-exclusive, fully-paid, royalty-free right to use the Feedback in any manner and for any purpose, including the improve the Services or create other products and services. DMCA; Claims of Copyright Infringement. Final Expense Leader respects the intellectual property rights of others and asks that everyone using the Services do the same. Anyone who believes that their work has been reproduced on the Services in a way that constitutes copyright infringement may notify Final Expense Leader's copyright agent in accordance with Title 17, United States Code, Section 512(c)(2), by providing the following information: Identification of the copyrighted work that you claim has been infringed; Identification of the material that you claim is infringing and needs to be removed, including a description of where it is located on the Services so that the copyright agent can locate it; Your address, telephone number, and, if available, e-mail address, so that the copyright agent may contact you about your complaint; and A signed statement that the above information is accurate; that you have a good faith belief that the identified use of the material is not authorized by the copyright owner, its agent, or the law; and, under penalty of perjury, that you are the copyright owner or are authorized to act on the copyright owner's behalf in this situation. If you give notice of copyright infringement by e-mail, we may begin investigating the alleged copyright infringement; however, we must receive your signed statement by mail or as an attachment to your e-mail before we are required to take any action. Termination/Changes to Agreement. If you terminate your account, you remain obligated to pay all outstanding fees, if any, incurred prior to termination relating to your use of the Services. If you violate any provision of these Terms of Use, your permission from Final Expense Leader to use the Services will terminate automatically. In addition, Final Expense Leader may in its sole discretion terminate your account on the Services or suspend or terminate your access to the Services at any time for any reason, with or without notice. Final Expense Leader may alter, suspend or discontinue the Services or any portion of the Services without notice. Final Expense Leader will not be liable whatsoever for any change to the Services or any suspension or termination of your access to or use of the Services. Final Expense Leader reserves the right to change these Terms of Use at any time in its sole discretion on a going-forward basis. We will make commercially reasonable efforts to notify you of any material changes to these Terms of Use. Your continued use of the Services after updates are effective will represent your agreement to the revised version of these Terms of Use. Your continued use of the Services after the effectiveness of such changes will constitute acceptance of and agreement to any such changes. You further waive any right you may have to receive specific notice of such changes to these Terms of Use. You are responsible for regularly reviewing these Terms of Use. Privacy Policy/Other Terms. Privacy Policy. Final Expense Leader will collect, use, store, and disclose personal information in accordance with its Privacy Policy. Please consult the Privacy Policy for more information, which is incorporated into, and made a part of, these Terms of Use. Other Terms. Your use of the Services is subject to all additional guidelines, rules, and agreements applicable to the Services or certain features of the Services that we may post on, or link to, from the Services, such as rules applicable to a particular product or content available through the Services. You agree to indemnify, defend, and hold harmless Final Expense Leader, its affiliates, and their respective directors, officers, employees, and agents from any and all claims and demands made by any third party due to or arising out of: (a) your access to or use of the Services; (b) your breach of these Terms of Use; (c) your violation of any law or the rights of a third party; (d) any dispute or issue between you and any third party; (e) any User Materials you upload to, or otherwise make available through, the Services; (f) your willful misconduct; and (g) any other party's access to and/or use of the Services using your account and password. Final Expense Leader reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and in that case, you agree to corporate with Final Expense Leader's defence of that claim. No Warranties. Final Expense Leader PROVIDES THE SERVICES WITH ALL FAULTS AND AVAILABLE, AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Final Expense Leader AND ITS SUPPLIERS MAKE NO REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED. Final Expense Leader AND ITS SUPPLIERS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OR CONDITIONS, EXPRESS, STATUTORY AND IMPLIED, INCLUDING WITHOUT LIMITATION: (A) WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, ACCURACY, TITLE, QUIET ENJOYMENT, NO ENCUMBRANCES, NO LIENS AND NON-INFRINGEMENT; (B) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF DEALING OR USAGE OF TRADE; AND (C) WARRANTIES OR CONDITIONS OF UNINTERRUPTED OR ERROR-FREE ACCESS OR USE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU THROUGH THE SERVICES OR ANY MATERIALS AVAILABLE THROUGH THE SERVICES WILL CREATE ANY WARRANTY REGARDING ANY Final Expense Leader ENTITY OR THE SERVICES THAT IS NOT EXPRESSIVELY STATED IN THESE TERMS OF USE. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO THE SERVICES, YOUR DEALING WITH ANY OTHER USER, AND ANY MATERIALS, INCLUDING ALL USER AND Final Expense Leader MATERIALS, AVAILABLE THROUGH THE SERVICES. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES, AND USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAINMENT OF MATERIALS THROUGH THE SERVICES AND ANY ASSOCIATED SITES OR SERVICES, ARE AT YOUR OWN DISCRETION AND RISK, AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE SERVICES), OR THE LOSS OF DATA THAT RESULTS FROM THE USE OF THE SERVICES OR THE DOWNLOAD OR USE OF THOSE MATERIALS. SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OR WARRANTIES AND YOU MAY HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION. Limitation of Liability/Exclusive Remedy. IN NO EVENT WILL Final Expense Leader OR ANY OF ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR ANY OTHER INTANGIBLE LOSS) ARISING OUT OF, BASED ON, OR RESULTING FROM THESE TERMS OF USE OR YOUR USE OR ACCESS, OR INABILITY TO USE OR ACCESS, THE SERVICES OR ANY MATERIALS ON THE SERVICES, WHETHER BASED ON (A) BREACH OF CONTRACT, (B) BREACH OF WARRANTY, (C) NEGLIGENCE, OR (D) ANY OTHER CAUSE OF ACTION, EVEN IF Final Expense Leader HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Final Expense Leader ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (E) ERRORS, MISTAKES, OR INACCURACIES OF MATERIALS; (F) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF THE SERVICES; (G) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN; (H) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES; (I) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY; (J) ANY ERRORS OR OMISSIONS IN ANY MATERIALS OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY MATERIALS POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE SERVICES; AND/OR (K) USER MATERIALS OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY. THE AGGREGATE LIABILITY OF Final Expense Leader AND ANY OF ITS AFFILIATES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR INABILITY TO USE ANY PORTION OF THE SERVICES OR OTHERWISE UNDER THESE TERMS OF USE, WHETHER IN CONTRACT, TORT, OR OTHERWISE, IS LIMITED TO THE GREATER OF: (L) THE AMOUNT YOU HAVE PAID TO Final Expense Leader FOR THE SERVICES IN THE 12 MONTHS PRIOR TO THE EVENTS OR CIRCUMSTANCES GIVING RISE TO THE CLAIMS; AND (B) $100. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL DAMAGES. ACCORDINGLY, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. EACH PROVISION OF THESE TERMS OF USE THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS INTENDED TO AND DOES ALLOCATE THE RISKS BETWEEN THE PARTIES UNDER THESE TERMS. THIS ALLOCATION IS AN ESSENTIAL ELEMENT OF THE AGREEMENT OF THE PARTIES. THE LIMITATIONS IN THIS SECTION WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS ITS ESSENTIAL PURPOSE. Choice of Law; Disputes. These Terms of Use are governed by the laws of the State of Illinois, without giving effect to its conflict of laws provisions. You agree to submit to the personal and exclusive jurisdiction and venue in the state and federal courts sitting in Illinois for any and all disputes, claims and actions arising from or in connection with the Services and/or these Terms of Use. Final Expense Leader operates the Services from its offices in Illinois, and we make no representation that the Services are appropriate or available for use in other locations. You agree not to export from anywhere any part of the Services provided to you, or any direct product thereof, except in compliance with, and with all licenses and approvals required under, applicable export laws, rules and regulations. These Terms of Use may only be amended by a written agreement signed by authorized representatives of the parties to these Terms of Use. If any part of these Terms of Use is determined to be invalid or unenforceable, then the invalid or unenforceable provision will be replaced with a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Use will continue in effect. The section titles in these Terms of Use are solely used for the convenience of the parties and have no legal or contractual significance. Final Expense Leader may assign this Agreement, in whole or in part, at any time with or without notice to you. You may not assign these Terms of Use, or assign, transfer or sublicense your rights, if any, in the Services. Final Expense Leader's failure to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. Except as expressly stated herein, these Terms of Use, and all expressly incorporated terms and agreements, constitute the entire agreement between you and Final Expense Leader with respect to the Services and supersede all prior or contemporaneous communications of any kind between you and Final Expense Leader with respect to the Services. The following sections of these Terms of Use shall survive any termination of these Terms of Use: 4, 6-9, 11-13, and 15-23. Consent to Communications. By using the Services, you consent to receive certain electronic communications from Final Expense Leader as further described in the Privacy Policy. Please read the Privacy Policy to learn more. You agree that any notices, agreements, disclosures, or other communications that Final Expense Leader sends to you electronically will satisfy any legal communication requirements, including that those communications be in writing. The Services may provide web forms, links, or contact information, including phone numbers, that can connect you with Final Expense Leader or third parties, such as Third-Party Providers. Communications through these methods may be routed through a third-party service (Communications Service). Calls may be recorded or monitored for quality assurance and customer service purposes. You will be notified at the beginning of a call if it may be recorded or monitored. You consent to such recording and monitoring by Final Expense Leader or the Communications Service. Final Expense Leader also uses the Communications Service to track phone calls and text messages so that Final Expense Leader can access certain details about the contact. As part of this process, Final Expense Leader and the Communications Service will receive in real-time, and store, data about your call or text message, including the date and time of the call or text message, your phone number, and the content of the text message. You consent to these practices by Final Expense Leader and the Communications Service. The information is subject to the Privacy Policy Notice to California Residents. If you are a California resident, under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210 in order to resolve a complaint regarding the Service or to receive further information regarding use of the Service. Notice to Apple Users. If you are using our mobile applications on an iOS device, the terms of this Section 23 apply. You acknowledge that these Terms of Use are between you and Final Expense Leader only, not with Apple, and Apple is not responsible for the Services or related Materials. Apple has no obligation to furnish any maintenance or support services with respect to the Services. If the Services fail to conform to any applicable warranty, you may notify Apple and Apple will refund any applicable purchase price for the mobile application to you; and, to the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the Services. Apple is not responsible for addressing any claim by you or any third party relating to the Services or your possession or use of the Services, including: (a) product liability claims; (b) any claim that the Services fail to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection or similar legislation. Apple is not responsible for the investigation, defense, settlement or discharge of any third-party claim that the Services or your possession and use of the mobile application infringe that third party's intellectual property rights. You agree to comply with any applicable third-party terms when using the Services. Apple and Apple's subsidiaries are third-party beneficiaries of Section 23 of these Terms of Use, and upon your acceptance of these Terms of Use, Apple will have the right (and will be deemed to have accepted the right) to enforce this Section 23 of these Terms of Use against you. You hereby represent and warrant that: (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a terrorist supporting country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties. TERMS AND CONDITIONS Pursuant to this Agreement, Final Expense Leader and any person(s) entity that completes/fills out an online form on Final Expense Leader (henceforth referred to as the Prospect's) shall agree to the following terms and conditions. Final Expense Leader is a matching service and does not make claims or guarantees including but not limited to service claim, success claim or income earning potential claim.

By agreeing and digitally signing our terms of service a prospect agrees to receive snail mail, email, phone and automated prerecorded voice message solicitations from Final Expense Leader, its various business divisions, affiliates, partners, vendors, list managers and clients who purchase our lists. We may sell the personal information that you supply to us and we may work with other third party businesses to bring selected retail opportunities to our members via direct mail, email and telemarketing (including but not limited to prerecorded phone messages) .These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation and email marketing. Refer to our Privacy Policy for more information.
Submitting this form constitutes my signature and agreement that the Final Expense Leader's Marketing Partners may contact me by telephone (including at my wireless telephone number), email, SMS, or pre-recorded message at the information I provided through this website, and I understand and agree that this consent applies even if my number is listed on a state or federal do-not-call list. In no event shall either party be liable for special, indirect, incidental, or consequential damages, including, but not limited to, loss of use, or loss of profits.

Prospect agrees he/she is solely responsible for any and all third-party fees a prospect may incur when being contacted by Final Expense Leader its business divisions, affiliates, partners, clients, vendors and list managers.

Prospect irrevocably agrees that if a dispute, claim or controversy of any kind arises between the prospect and Final Expense Leader or any or all of its advertisers/marketing partners, the prospect agrees to resolve the dispute, claim or controversy by binding arbitration administered by the American Arbitration association in the state of Illinois (USA) or another location mutually acceptable to the parties. This arbitration provision limits a prospect's ability to litigate claims in court and a prospect's right to a jury trial. A prospect also waives his/her right to participate as a class representative or member of any class of claimants for any and all claims subject to arbitration. This arbitration provision shall survive termination of this agreement as well as opt-out/cancelling of service of any and all kinds by the prospect. In event of arbitration the non-prevailing party will pay for any and all reasonable legal expenses (lawyer fees only) of the prevailing party.

If any of the terms are held unenforceable, the reminder of the terms shall remain in effect. Please DO NOT digitally sign this agreement if you do not agree with our terms and conditions.

Final Expense Leader reserves the right to terminate this agreement at any time, with or without cause. Termination notice may be provided via email or any other public means and will be effective immediately. By agreeing and digitally signing this Agreement, the Prospect warrants that Prospect is at least 18 years of age, and that there is no legal reason that Prospect cannot enter into a binding contract.